Credito Real USA Finance

Hi,

So the first time I heard of this company was during the random raffle pull of Borrowers who pretend a 580/600 credit score is horrible. I was supposed to be pre approved or so i was told. I was well above the fiancial aspect even tho I had just been at my new employment for about 6 months or so it was a union spot so I figured it was secure. Nope. Andway My car payment

680$ a month , they took my 2000$ down payment and just added some extra service contract at the end, this is accompannied by full coverage that doesnt actually help me in an accident just makes sure they get paid back interest abd all. Oh yeah with my interest at 25% APR Im going to end up paying 47000 for a 20,000 car, thats ok its not illegal or against Usary law says every borrower ever known. So Im off subject a bit but last month I lost work but still have my VA Disabilty which covers my payment no prob. Ran into issues after putting all my money on my cresit cards i didnt realize Credito real didnt take. Long story short Ive kept in contact even paid tge next month on time and an trying to work out my half a payment behind. I spoke to Ms. S●●●na in which I I was very clear my situation and had said I could pay in on the 27-28 and apperently just ignored and contract was for the 22! So NOW I hear this alarm every tine i drive and have to worry im getting cut off and be stranded on the road somewhere with my kids. Im diagnosed witg p

PTSD along with other issues so this is just horrible to me. I ask the lady if it was an error abd could we fix it...pretty much as far as ive gotten as of 08/20/2023

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I have a jeep Cherokee and I have signed up for bi-weekly payment I set this up several time because this company keep knocking it out well when they don't take it out it make my payment late and then they call me threatening me or saying jeep note is behind and effecting my credit and when I call them explaing I have it set up they tell me I haven't or I stop the service when I haven't and when I ask for higher management they are very rude and disrespectful or they will leave me on hold for at least an hour and then they hang up this company is horrible as far as business I would like you to investigate how they handle business and their customer

On August 16 i, ***, entered a consumer credit transaction to purchase a vehicle. I paid on this vehicle up until recently I started learning my federal rights. I took a look at the contract and found several of violations under the Truth in Lending Act, Fair Credit Reporting Act , and the Fair Debt Collection Practices Act. The first violation was 15 USC 1605, Credito Real USA stated that I had to put cash down on a finance charge which was a violation of the truth in lending act. They also did not disclose that they were suppose to include insurance. The 2nd violation was 15 U.S.C 1635. They DID NOT disclose that I had a right to rescind the transaction nor did they provide appropriate forms for me to exercise my right to rescind. Also as stated in the Truth in Lending Act they must give a clear and conspicuosly disclosure. They were using false and misleading language as if they had loaned me credit when in fact I was the original creditor to begin with.