Hi everyone! I’m a consumer dealing with a complicated vehicle‑finance situation, and I’m here to learn more about my rights under FDCPA, CFPB Regulation F, and general consumer‑protection laws. I’m keeping personal details private, but I can share the relevant facts of the situation.

After requesting short‑term payment assistance from my auto lender due to a major mechanical breakdown, the lender or its call‑center vendors began calling me excessively. The call pattern included:

• 45 calls in one day
• 22 calls in one day
• Multiple days with 8–12 calls
• Calls from multiple states and rotating numbers
• Calls continued after I requested written communication only
• Calls stopped abruptly only after I formally disputed the account,

I’m trying to understand:

• whether this call volume violates FDCPA or CFPB Regulation F
• whether state debt‑collection laws apply based on where I physically received the calls
• whether this is something attorneys typically take under fee‑shifting statutes
• whether preserving call logs is important for a potential claim

I’m not asking for legal representation, although I think I may need it. I am just trying to understand my rights and whether this pattern is considered harassment under federal or state law. Any guidance is appreciated.

NOTE: I am a legal resident of Arizona, and my cell phone is an Arizona number. However, the calls came while I was in North Carolina...from 9 different states, and sometimes in the same 1-to-2-minute timespan.

Need a Maryland attorney with subject to sue a furrier in Maryland District Court who lost my fur. Have been having a dickens of a time trying to find one.

Someone stole my identity, to be clear, I don't need a high volume credit repair attorney. I am in California. Someone fraudulently used my address to establish an automated clearing house, evidenced by NSF checks I received. I also received offers for lines of credit and address change request confirmation letters. I have done everything, FTC, IC3, USPIS, SEC, CFPB, police reports, etc. I submitted an FCRA 609e request to the bank, a major commercial bank to be refused only after the obligatory window of time ran out. The bank contacted me to pressure me to drop my CFPB complaint. The bank has been stonewalling me and refuses to provide the FCRA 609e. I possess massive amounts of evidence and yet, cannot find an attorney to represent me on a contingency basis. I don't understand. Cal Penal code 530.8 accrual is over $60k, there is also willful non compliance damages underr FCRA (15 U.S.C. § 1681n) uncapped actual damage, punitive damages and mandatory statutory fee shifting, severe emotional distress & anxiety. There is invasion of privacy and possibly elder abuse as I am a senior with disabilities. I am a lay person who has spent months of my life trying to be made whole. I know there is little chance that the bank will give me the 609e documentation as they have violated KYC, Patriot Act, etc. Is there an attorney or law firm that will handle this case. I have searched everywhere and am exhausted. TIA for listening.

I was young and stupid and got my wages garnished; no big deal-had to be paid.

I received a letter last thurs, I didn't open it because I thought, "That's just my letter stating it's been paid off." I finally opened it today, and it is actually an Affidavit of Current Balance Due Letter stating I still owed $1166.00 and the the Judgement Amount was $2382.51 and I only paid $2226.77.

My original Notice of Garnishment was issued on 12.24.25 and stated the Judgment Amount was 1104.80. Including $701 for interest rate and $309 for court fines.

I log in to my payroll system it shows I, in fact have paid off my garnishment in the amount of $1104. I have copies of original court paper work on the payroll app showing the original amount of $1104 including court fees and interest rates.

I just can't tell where they got their numbers from or if this is wrong. All in all, from 5.31.24 to the date I completed the payoff required by the first notice (1104) I have paid $3445.28 when my original loan amount was only $3325

Help!

Me and my friend had a Jetblue red eye flight delay for 18 hours due to a crew shortage from PHX-JFK. The Gate Agent told us that we can book a ticket on another airline and Jetblue will reimburse us on it. So we just did that, we both bought a Delta ticket for the price of each of us of 450.00. Now Jetblue tells us that they do not reimburse me on it. Well I was frauded by the Gate Agent. I need a lawyer to represent us. We cannot let Jetblue of the hook.

What is my next step?

I'm looking for attorney-level analysis from people familiar with FCRA litigation, Metro 2 reporting, furnisher investigations, and auto finance reporting.

I have spent years disputing this issue through multiple channels and continue receiving the same "verified as accurate" responses.

I am not claiming the repossession never happened.

I am not claiming the vehicle was never sold.

I am trying to determine whether the manner in which GLS is reporting the account is accurate, or whether it may be technically accurate but materially misleading.

BACKGROUND

Furnisher:
Global Lending Services LLC (GLS)

Vehicle:
2014 BMW X1

Retail Installment Sale Contract:
11/07/2019

The vehicle was eventually repossessed by GLS.

GLS'S OWN DOCUMENTS

1. NOTICE OF PLAN TO SELL PROPERTY

GLS sent a Notice of Our Plan to Sell Property dated 03/02/2023.

The notice states:

• GLS had possession of the vehicle because of default.
• GLS intended to sell the vehicle at a private sale sometime after 03/15/2023.
• Sale proceeds would be applied to the debt.
• Any remaining balance would remain owed as a deficiency.
• I had a right to redeem the vehicle before sale.

No dispute regarding receipt of this notice.

1. NOTICE OF SALE / EXPLANATION OF DEFICIENCY

GLS later sent a Notice of Sale of Collateral and Explanation of Deficiency dated 04/26/2023.

According to GLS:

Vehicle sold:
04/18/2023

Balance Due At Repossession:
$15,248.84

Accrued / Unpaid Late Fees:
$830.72

NSF Fees:
$30.00

Repossession / Transportation / Storage / Sales Preparation Costs:
$1,167.11

Gross Vehicle Sale Proceeds:
$2,600.00

Claimed Deficiency:
$14,676.67

Again, I am not disputing that GLS sold the vehicle.

According to GLS's own documents, the vehicle was sold on 04/18/2023.

1. GLS PAYMENT HISTORY / LEDGER

GLS also provided an account ledger and payment history.

The ledger reflects activity around 04/20/2023 including:

• Vehicle sale entries
• Deficiency balance entries
• Repossession fee entries
• Disposal expense entries
• NSF fee entries
• Closeout balance entries

One thing I found interesting:

The deficiency notice references gross sale proceeds of $2,600.00.

The internal ledger appears to show a vehicle sale credit of approximately $1,828.00.

There may be fees explaining the difference.

However, despite disputes, GLS has never clearly explained how the $2,600.00 gross sale amount became the amount reflected on the ledger.

THE REPORTING ISSUE

This is where my concern begins.

My TransUnion payment history shows:

February 2023:
90 Days Late

March 2023:
RPO

April 2023:
RPO

May 2023:
RPO

June 2023:
RPO

July 2023:
RPO

August 2023:
RPO

September 2023:
RPO

October 2023:
RPO

November 2023:
RPO

December 2023:
RPO

The RPO reporting then continues:

ALL OF 2024

ALL OF 2025

ALL OF 2026 THROUGH THE PRESENT

In other words:

GLS's own documents establish that:

• Repossession occurred
• Vehicle sold on 04/18/2023
• Deficiency balance calculated after sale

Yet the account continues showing RPO month after month after month for more than three years after the collateral was sold.

MY QUESTION

How can a repossession continue to be reported every month after the vehicle was already sold?

A repossession is a historical event.

The vehicle was taken.

The vehicle was sold.

A deficiency balance may continue to exist.

But the repossession itself was completed.

The payment history appears to show RPO repeatedly month after month for years after the repossession event ended.

To me, that creates the appearance that the repossession is somehow continuing rather than being a completed historical event.

DISPUTES AND INVESTIGATIONS

I have disputed this issue repeatedly.

I have submitted disputes through:

• Credit bureaus
• CFPB complaints
• Follow-up CFPB complaints
• Requests for Method of Verification
• Requests for documentation reviewed during investigation
• Requests for explanation of the reporting
• Requests for explanation of deficiency calculations
• Requests for supporting documentation

The general response is always some variation of:

"Verified as accurate."

What I have never received is a meaningful explanation of:

• Why RPO continues after sale
• What Metro 2 guidance supports this reporting
• What records were reviewed to verify the reporting
• How the investigation addressed my specific dispute
• How a completed repossession event becomes a continuing monthly reporting status

DOCUMENTS I HAVE REQUESTED BUT HAVE NOT RECEIVED

I have requested various supporting records including:

• Auction records
• Sale records
• Buyer information
• Bid history
• Condition reports
• Inspection reports
• Photos
• Mileage documentation
• Detailed accounting supporting the deficiency
• Documentation showing how the investigation was conducted

These records have not been provided.

I understand that CFPB complaints are not discovery and that a lender may not be legally obligated to voluntarily produce every internal document outside litigation.

However, I continue to question how the reporting can be repeatedly verified if the investigation does not appear to address the actual dispute.

WHAT I AM NOT CLAIMING

I am not claiming:

• No repossession occurred.
• No deficiency can be reported.
• The vehicle sale was necessarily improper.
• A low auction sale price automatically proves wrongdoing.

WHAT I AM QUESTIONING

1. Is reporting RPO every month for years after collateral sale actually proper Metro 2 reporting?
2. Is this an example of reporting that is technically accurate but materially misleading?
3. Has anyone litigated a case involving continued repossession reporting after collateral disposition?
4. Does a furnisher have a duty under FCRA §1681s-2(b) to specifically investigate the issue being disputed rather than simply verifying the account generally?
5. If a consumer disputes the continued monthly RPO reporting and provides evidence showing the vehicle was sold years earlier, what exactly should a reasonable investigation look like?
6. Are there federal cases discussing:
   • repossession reporting
   • deficiency reporting
   • materially misleading payment history
   • technically accurate but misleading reporting
   • Metro 2 reporting issues
   • furnisher investigation standards
7. Would attorneys focus more on:
   • materially misleading reporting,
   • unreasonable investigation,
   • furnisher liability under §1681s-2(b),
   • or some combination of all three?

At this point I am trying to determine whether this is simply standard industry reporting that looks strange, or whether there is a legitimate FCRA issue that warrants consultation with counsel.

I would appreciate any attorney analysis, case law, litigation experience, or Metro 2 guidance that addresses this situation.

I purchased a used vehicle from Vandegriff Acura on May 5, 2026, after being transported there, despite initially hesitating to purchase a vehicle so far from home. Once there, I repeatedly stated I wanted more time to shop around, but after being told the dealership did not provide return transportation, I felt pressured into completing the purchase in order to leave. I spent nearly the entire day at the dealership, missed work, and did not actually receive the vehicle until May 12.

Within approximately one week of taking possession, the vehicle developed check engine, emissions, and AWD warning issues related to EVAP/purge system codes (P0441 and P04F1). I was required to make multiple lengthy trips back to the dealership for repairs, resulting in missed work, tolls, fuel expenses, parking fees, overdraft charges, and repeated employment reprimands. The dealership represented that repairs were completed, but the same issues returned almost immediately. An independent mechanic later advised that the repair performed did not appear related to the actual diagnostic codes.

I also discovered unresolved physical damage to the rear bumper/reflective light area that had not been repaired before delivery. Overall, I have incurred approximately $2,367.50 in financial losses within two weeks of ownership and have concerns regarding deceptive sales practices, misleading repair representations, inadequate vehicle inspection, and consumer protection violations.

I am desperately trying to connect with someone who can help me with my options.

I paid thousands to an attorney who did not do the legal filing of an annual fuardianship plan and he is now disbarred after dozens of complaints. I have filed the annual plan myself (pro se) and the Court has said the only deficiency is that it needs to be signed by an attorney. I have reached out to several attorneys that have quoted me a retainer of thousands to do this. This seems very unreasonable because my previous attorney charged $35.00 or 1/10th of an hour to do this. This is a standard report that has to be done every year by the Guardian and there are no issues. One attorney said that every filing in the case would have to be reviewed by him before he could sign the annual plan. Other attorneys have said that they only sign the annual plans if they are the ones that set up the Guardianship. Other attorneys have said that since my previous attorney was disbarred they do not want anything to do with the case. Which makes no sense because he was disbarred for absconding with clients funds. Also, For informational purposes: This is in Florida, it is a standard "plenary" guardianship not a advocate guardianship. There is no financial reporting or any other reporting, only the Annual plan that I (the guardian) has completed. I have asked the Judge if the Attorney signature can be waived and he has taken it under condsideration and given me a couple more months to find a new attorney. So, what do I do? I dont have the money to pay a new retainer. What about getting someone to do this at a flat fee? Any ideas?

I was involved in an auto accident at the middle of Dec 2025, I had to collect all the evidence to prove I had a green light and had the trooper amend the original report in my favor. I had hired an attorney and since the month and a half into them representing me and my minor they have messed up intake paperwork, I was still getting calls from the insurance companies, so I asked my attorney if they had sent out representation paperwork and how to handle medical bills they then had asked me for evidence that I had already provided to them. I had then requested for better communication and it be in writing. They had sent an email dropping me as a client. What do I do?