| 09/23/2022 |
No |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
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. I have a title loan with 1 Stop Title and XXXX XXXX XXXX XXXX. I have paid my loan payments for many years as I have had a few longs with this company over the years. I am usually able to pay but recently I had XXXX XXXX twice within a short period and I have side effects and financial hardship from fighting the illness. With that I called for the first time in years for help because I had already requested an extension but could not pay. The store personal transferred me to the corporate office and I spoke with XXXX. XXXX was rude from start to finish. She was very short with me when I asked for guidance. I told her I could not pay, and she responded with I cant do an extension on an extension, she repeated that, and we will continue the collection process several times. I asked what that meant because since XXXX I have had a hard time understanding things, so I ask a lot of questions. XXXX tone was unpleasant and just kept repeating the same things as I asked what the process was, she said we will continue to call you. XXXX then said abruptly is there anything else I can help you with in the rudest manner. I was on the brink of tears, so I told her I was sorry I was getting on her nerves and ended the call just as confused as I was before calling. My bill was due XX/XX/XXXX which is the day I spoke with XXXX. They repossessed my vehicle less than 24 hours later and they did not call me even once to ask for the payment. Now they are asking for over {$4200.00} by XX/XX/XXXX because they know I wont have it and they have told me they plan to auction my vehicle if I cant pay over {$4200.00} in 2 weeks. This is predatory. I have submitted this to the XXXX XXXX XXXX, and I will work diligently to stop my vehicle from being auctioned.
I think XXXX facilitated predatory lending practices. She led me to believe I would be able to speak with someone as a part of the collection process and make my payment with them but that did not happen.
I called specifically to ask for help and to understand the process. I would like someone who does not work directly with XXXX to review the recordings of my calls XX/XX/XXXX to the store and with XXXX and the way she spoke to me when I called today XX/XX/XXXX
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| 10/07/2020 |
No |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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In late XXXX XX/XX/20 I spoke to someone by the name of XXXX from One Stop Money Center and made arrangements to make payments on a loan from One Stop Money Center I was to receive an email with the payment arrangements during this time this was the time when everything was going on in the pandemic recently just broken out and the communication kind of broken down between us and me getting this payment arrangement set up and I didn't get an email from her then in XXXX of this year I received a notification that I was being garnished for these bonds originally I think the amount was like {$700.00} but then when I saw the garnishment it was like XXXX or something like that I reached out and advised that I couldn't afford the 25 % I sent emails I called I listing all of my expenses and showed why I could not afford the 25 % I was told that they needed to at least one girl one to show that they have at least gotten one out before they could get it signed from a judge to get it reduced this was XX/XX/XXXX is now XX/XX/XXXX and it still hasn't been reduced each time I call it's time I speak to someone they either tell me they can't find the paperwork for it hasn't been signed or it takes time or it's always an excuse or I can't get in touch with them or it's just always something I think that they are just trying to buy time so they can take the whole amount and not get it done by this time I think I only owe like another {$300.00} but to me it's the principle of the fact that I advised that I couldn't afford it I'm at the point now where I owe my sister money for my rent I owe somebody else money for my car note I'm just because I have to borrow money to help pay my bills because I'm having 25 % of my check taken out weekly and I can't afford this
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| 11/05/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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On XX/XX/2018 I went to the bank to pull money out for payments including the one to the company that took money out. I noticed XXXX was taken out of my account " without my permission ". I called the company who removed my funds that day to demand that they return the money. I was informed my account was behind and I explained to them I understand that but I never authorized that amount. They were unable to do anything due to no manager on duty XX/XX/18. I used to work the company about a year ago and I agreed to loan with one of the co owners : XXXX ". I never signed for a credit authorization form though. They were able to obtain my card information from calling payments in the past. I spoke to the manager " XXXX '' and informed her if they could please release my funds back minus the one payment that I was gon na make that day. Total amount I wanted back was XXXX then with another arrangement on Friday the XX/XX/2018. They refused to accept that and I informed them my electricity payment is going through in a few days. They still did not accept nor give me my money back and really put me in a pinch and having to ask family and friends to help pay from my electric bill. I understand my account was behind and I was going to make the payment that day but they decided to debit my account without my authorization. I feel this was a deceitful collection tactic to help their collection numbers. I did not receive any letters stating that I would be debited and why wait so long and not when I was one payment behind. I am not sure they are in the right under the FDCPA to remove my monies without permission and without filing out a credit authorization form or going over the contract in depth if so the case.
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| 10/08/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Struggling to pay your loan
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Web |
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Afternoon, In XX/XX/XXXX I had o resign my agreement over to an installment loan of 24 months. The previous loan was interest only. So they paid off the previous loan and rolled over the balance to the new balance and started a new contract. The balance would be {$1000.00}. XXXX month installment loans at {$150.00} was going to be the payments with roughly around $ XXXX {$20.00} applied to principal. the remaining {$130.00} would be interest. In total the payments would have been {$3600.00} once the {$1000.00} was paid off. The total amount of payments I made ( 7 ) {$1000.00} ended on XX/XX/XXXX. I could no longer afford the 179 % interest rate. I had started a family and I was paying for childcare now. I asked the representative at the time named XXXX was there anything I could do to settle and was told no. I just recently got a judgment being sued for over {$3900.00}. I have 20 days to respond and I have nothing I could pay with the 7 total payments I have made that was over {$800.00} in interest. I need some help as to what I can do. I have a family and can not afford to be paying such a high dollar amount if sued. Can you let me know what my options are? 1 stop money centers LLC ( XXXX XXXX XXXX is the company and contact information. This was a registration loan they said. Since payday loans were outlawed
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| 01/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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On XX/XX/2017 at XXXX I ( XXXX XXXX ), spoke with a XXXX at XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX 1st party collections office, I started the call by asking her if this is an attempt to collect a debt, she verified it was, without giving me the mini miranda, i then asked for a transfer for her manager to confirm of the violation, she sent me to the general manager " XXXX '' who advised me they are are 1st party collections and they don't Follow the FDCPA, I want to confirm if this was true or not? Also on the SAME CALL the general manager XXXX gave me Misleading information and literally said " since you have not paid this loan back yet, we are SUING you '', she actually said that threat over the phone, now i'm aware that collection agencies have the right to go to small claims court..however the reason why she gave me misleading information was because on the point of the call the account was still in collections and i was actually calling in to make payment arrangements ( i was only a month behind ).
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| 01/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I called due to my job cutting our hours to make payment arrangement for my loan on XX/XX/XXXX I was told that they would note my account for the amount being paid on XX/XX/XXXX for {$170.00}. On XX/XX/XXXX {$240.00} was withdrawn from my account unauthorized by me. I have called and disputed the charge but they said there nothing that can be done because that is my past due balance. I stated the whole point of making arrangements is to be able to pay what I can without jeopardizing feeding my children. I feel this practice is against the law especially with the Covid Cares Act in place. Our business is slow due to new cases and I am being penalized with unauthorized charges. I want my loan removed and wiped clear for the collection calls and unauthorized practices.
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| 07/08/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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| 07/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Problem with the payoff process at the end of the loan
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Phone |
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| 10/28/2016 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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