Revised Summary: The Consumer Financial Protection Bureau (CFPB) has initiated legal proceedings against United States Auto Sales Finance (USASF), a prominent auto loan servicer. The case has been filed in the United States District Court for the Northern District of Georgia, citing numerous infringements of the Consumer Financial Protection Act (CFPA) by USASF. The alleged violations encompass a range of unethical practices. These include the improper activation of starter-interruption devices, neglecting to reimburse consumers for millions of dollars in unearned Guaranteed Asset Protection (GAP) premiums and interest, charging consumers twice for Collateral-Protection Insurance (CPI), mismanagement of consumer payments resulting in over $1.2 million in additional interest and fees, and the unjust repossession of consumers' vehicles. The CFPB asserts that these actions by USASF have inflicted significant financial damage on consumers. The harm was neither reasonably avoidable nor beneficial to consumers or the competitive market. In response, the CFPB is seeking a permanent injunction to prevent USASF from committing future CFPA violations. Additionally, the bureau is demanding redress for the consumers affected by these practices and a civil monetary penalty against USASF. The CFPB's legal representation includes attorneys Richa S. Dasgupta, Michael Posner, Elena González, and Joseph Sanders. The case has been filed under the number 1:23-cv-03433-VMC and was officially submitted on August 2, 2023.