3rd Generation, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/19/2019	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NV 89081	Web
I received a call approx at XXXX XXXX on XX/XX/XXXX from a customer service representative named XXXX from XXXX XXXX XXXX in regards to my past due payment of 22 days from what she said. However my due date is on the XXXX of every month. I advised her I did not get paid until the XXXX of the month and that's when I would be able to make the payment. She then said to me with a superior and rude tone, " You do not have until the XXXX, you need to pay now ''. I said, " I cant as I get paid on the XXXX, so that's when you will receive payment ''. She then said, '' Why can you not pay, you just got an extension and you still cant ' catch up. ". I told her, " My house became a one income household and I received a deferment, as it would be on your notes ''. She then said, " It's been a one income household since the beginning of the loan, you took sole ownership of it. '' I stated, " No, I actually purchased it with my husband. '' She said, " Well I cant give you another extension so you have until tomorrow to pay the XXXX '' I said, " I didn't ask for an extension ''. She then threw it in my face again about the deferment I had received back in DXX/XX/XXXX stating once again I had just received an extension and still couldn't catch up. She was being so demanding, rude, and abusive, that I finally said to her you can come pick up the vehicle if you want. She then replied, '' Okay, whats the address? ". I stated it should be on file, she then had the nerve to ask if was a reliable address since I couldn't even keep up with my payments. I then said to her, '' You know you're harassing me. Let me speak to your manager '' She asked, '' How? because I'm asking you to pay your bill. '' I asked again to let me speak to her manager, as she was talking over me. She said, '' No, I'm just asking when you can pay ''. I advised her that if she didn't stop talking to me in a demeaning way I was going to contact my attorney. Asked for a manager once again, she ignored the request for a third time. Continued talking over me and threatened to end the call since I had mentioned the attorney, and she could no longer speak to me. I advised her that if she knew how to do her job correctly she would obtain my attorney information then seize communication as she cant without it, she then said go ahead and have your attorney contact us have a good day and call ended. At the end of that call I felt harassed, abused, humiliated and upset. This call was probably worse than what it sounds, the way she was talking down to me was disgusting and with great lack of empathy. I called right back and had my call answered by a female name XXXX who identified herself as a customer service manager. I complaint to her straight off the bat that the previous agent I had just spoken to was incredibly rude and was baffled by the way she expressed herself. I said, " Your agent had the nerve to throw in my face the deferment I received and had the nerve to say to me why was it that I still can not catch up, as well as threatened to pick up the vehicle, which I know you cant she then asked if my address was good because I obviously couldn't even keep up with my payments. I have never missed a payment, yes I have been late but never have I missed a payment '' I said to her, " I too used to work at a XXXX XXXX XXXX company and she can not speak to me that way ''. The manager acknowledged that the agent should not have spoken to me in that way and said she was going to pull the call and listen to, which I really hope she did. The manager then offered to give me until the XXXX and to only make my minimum payment of {$320.00}, Which from previous reps had said that was not a problem. Manager stated she could not give me until the XXXX as the account would be in the collections department, but even so I would still be able to make the payment and be fine, Around XXXX XXXX on the same day, I received another call from XXXX XXXX XXXX, by another agent who was trying to collect the payment after an arrangement had already been made. When I called back to inquire about the names of the reps I had spoken to, the 3rd agent didn't leave any notes on the account about her contacting me. I wonder how many other notes are missing in my account. Point is that this call violates the FDCPA in so many ways, not to mention they love to contact my references and advising them of when I'm late on my payments. From my knowledge working in XXXX and XXXX XXXX where you are trained and tested that's a violation. The agent violated first off using an abusive tone and language, she treated me unfairly by assuming my address wasn't reliable, because I'm doing the best that I can on making my payments every month, she implied threat by responding okay when I offered to take the vehicle, as well as denying me to speak to a manager after requesting one several times. She didn't even attempt to de-escalate the call or acknowledge my request. I felt as if I was getting hit with a bat every time I tried to reason with her. This woman is a customer service representative who had the tools to to give me until the XXXX, as her manager did, but instead chose to harass, abuse and made me feel small to nothing. Not to mention I'm currently filing for bankruptcy because I do not have enough income to pay all my bills.
06/28/2017	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	CA 95829	Web	Servicemember
I originally walked into XXXX XXXX XXXX to purchase a vehicle. After an agreement of {$1500.00} as a down-payment, I found a car I liked, signed the papers, and left with the car. In the next following days, I received a call from the dealership stating that my auto finance company would be CA Auto Finance. I took the information down and made contact with them. During the month of XXXX, they requested a copy of the insurance. I faxed and emailed a copy, called and spoke to a representative by the name of XXXX ( whom I also sent it the insurance info to ) said she received it and I left it at that. I did n't hear from them in regards to the insurance until the next month 's car not was due in XXXX. They sent a notice stating they were adding their own fees because they did n't receive insurance information despite speaking to and confirming with XXXX. I then called back and spoke to another associate by the name of XXXX, who then finally admitted they did receive my insurance papers but it was the wrong form and someone failed to notify me for another copy. She then argued with me back and forth as if I was going to know that it was the wrong form THEIR company. Upon settling that somewhat, my car note becomes due within the next days and I request an extension, I am granted that extension by one of the associates for 2 weeks. The next day however, I was receiving back to back calls and messages from the finance company stating that I owed them money. I hurried and called back because I had just spoken to 2 of their employees yesterday and got the extension. The associate went on to say that the employee who said that did not have permission to do so but that because of the confusion and the fact that I had put money into repairing the car, she would grant the extension. I was then again confused, but needed the extension so I said okay. In the next few days, CA Auto Finance decided it was their business to reach out to the dealership I bought the car from and tell them my personal business. I then began to receive harassing phone calls from both the dealership AND the auto finance company. I had to take the car in twice to the dealership after purchasing it for issues concealed by the dealer. The dealer then did mediocre repair job and then used derogatory and offensive language towards me and my girlfriend. After receiving several messages/calls daily that could total more than 6 calls a day, the auto finance company decided to involve another unknown individual into the situation, who also harassed me AFTER I told him I was at work and he proceeded to call and speak to me offensively. I 've saved texted messages from the Auto Finance Company as well a call log with all calls related to them and this issue, and lastly, I have voicemails. I also have the voicemail where the an associate of the finance company left me a message stating that she knew I had a new car ( which I did n't, they unknowingly ran my credit without authorization or good reason and phished into my credit ) and that she would notify that car company that I am a fraud and to go pick my car up that night unless I called them back. So not only did they harass me with over 5+ calls and 3+ messages a day, but they threatened for defamation of character and slander. I was even told by a person representing the car dealership that it would be a good idea to file a complain towards CA Auto Finance. Not to mention the unauthorized hard inquiry they put on my credit report trying to phish information. I read several reviews AFTER being assigned to this company and they are very disrespectful, incompetent, and overall trashy! I even called today to speak about my recent issues ( mind you I let them have the car back because they were just cause too much distress and pain in my life by harassing me everyday! ), when I spoke to the associate, she was very unapologetic and acted very ignorant. Her name was XXXX and I had spoken to her several times in the past including another complaint I had with them. She then acted as if she had never spoke to me, and I even have a recorder voicemail from her on my phone! These people are just money hungry, liars, and incompetent imbeciles. I plan on filing a legal complaint because their course of actions were very unorthodox, inconsiderate, and stressful.
02/09/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90003	Web	Servicemember
50 States scams as IDs and business permits frauding my documents as there own, and flinging permits. Frauding scams frauding using XXXX ( XXXX ) XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX Indiana of XX/XX/XXXX Then herds scams listings and business frauding my brother documents and data of XXXX XXXX ( XXXX XXXX ) XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Indiana of XX/XX/XXXX Frauding scams using my grandma documents of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Married XXXX time and twice to my grandfather of XXXX XXXX who is XXXX. Frauding scams frauding her parents of my great great grandma and grandpa of of XXXX XXXX married to XXXX XXXX ( documents over 120 years old all serial numbered ) Fraud scams using XXXX XXXX documents frauding my divorce out side of mom 's XXXX marriage of XXXX XXXX XXXX ( XXXX ) of XXXX XXXX biological Daughter of XXXX XXXX XXXX XXXX XXXX frauded XXXX XXXX sister of XXXX XXXX of XXXX county Indiana frauding scams using her documents of marriage to XXXX XXXX of North Carolina marriage certificate and sons XXXX and XXXX. Frauding scams using XXXX XXXX mom death record of XXXX county Indiana of XXXX XXXX XXXX Frauding scams frauding my birth certificate long form of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Frauding scams using my immazation record of XXXX county Indiana of XXXX XXXX XXXX scams using my family 's Sir name of XXXX Frauding scams using my documents as 50 states other families IDs and 50 states business permits scams frauding my documents Frauding scams using a landdelopments frauding my documents of XXXX XXXX XXXX of XXXX XXXX Indiana as others towns in others states Frauding scams as land development scams frauding my documents of XXXX Indiana XXXX XXXX XXXX XXXX as XXXX XXXX frauding my high School Frauding scams using XXXX frauding scams frauding XXXX Indiana Frauding scams frauding XXXX Indiana Frauding scams using XXXX business permits scams Frauding as herds of XXXX off my XXXX birth certificate Frauding scams using auto stores and subdivisions And frauding scams herds as insurance company workers and businesses and schools and colleges and universities and books Frauding my documents as products Frauding scams using groceries stores franchises and assorted frauding my documents as XXXX XXXX and 50 States assorted diners and menu 's using XXXX XXXX Frauding scams using XXXX herds Fraud scams using construction companies Frauding scams using shopping mall and stores over 179 locations of frauding XXXX XXXX and XXXX XXXX reaction Frauding scams using radio and media and Media scripts and bands Fraud scams using retailers store 's sounds like my documents Frauding herds scams listings frauding my documents as semi trucks companies and CDLs and resterants rest stops using XXXX XXXX Fraud scams using publication and theater groups Fraud scams using lawyers and judges and attorneys and law partner Frauding scams using politican listings Fraud scams using XXXX 's and XXXX as plurized fraud frauding my documents Frauding scams using police and sherrifs frauding my documents Frauding scams using boats and boat marina ( they frauded used my documents of XXXX XXXX Indiana which my brother and my XXXX XXXX was registered through USA XXXX XXXX XXXX as XXXX XXXX ) .. Others frauded my documents in XXXX as IDs scams and business others frauded my documents in XXXX as business permits scams and IDs Light fraud in XXXX same time, light fraud in XXXX same thing.. Others frauded my documents as building permits as building and apartment as banks and library 's and sports players and sports building and append and admend and as advertising Frauding scams using Brand advertising and Brand marketing Frauding scams using mobile homes address and streets and hwys sinage Fraud scams as construction business permits and construction related business. Fraud scams using insurance workers who assumted back my insurance files as workers and refund to pay my insurance .... Massive resterant franchises tore into my documents as products ideas Frauding scams frauding XXXX Indiana as XXXX XXXX scams ECT.. XXXX Indiana is part of XXXX XXXX.
05/08/2021	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 95206	Web	Servicemember
In XX/XX/XXXX I received a letter from California Auto Finance ( CAF ) stating that I needed to provide proof of insurance on my XXXX XXXXXXXX XXXX that I originally purchased from XXXX XXXX XXXX XXXX in XXXX California and then California Auto Finance purchased the loan from them. They immediately started charging me a {$4.00} service fee to make my payment to them even if I pay on-line so I signed up for direct withdrawal hoping that would stop the {$4.00} fee but it did not so I think this is a surcharge that is unfair to people that don't have great credit but that is not what I'm complaining about. In XX/XX/XXXX CAF sent the letter and I immediately went to my XXXX app and downloaded a copy to my computer and e-mailed it to them. In XXXX I received another letter stating that I needed to provide proof or they would attach a Loss Damage Waiver to my account so I re-sent the e-mail asking them to respond stating that they received my proof but CAF did not respond. On XX/XX/XXXX I received a phone call from XXXX @ XXXX and it was a lady from CAF asking me where my car payment was at and I told her that I just received a text from CAF this morning stating that my automatic withdrawal was complete and she said I don't see that on my end and I told her to look again because I'm on automatic withdrawal from them and she asked me when my payment is due by and I told her again that I'm on automatic withdrawal from their company and you take the payment when you take it. She then said she looked it up and it's due today to which I rudely replied back to her that I got the text message already stating that the payment has been received. She then says, well, we have not received your proof of insurance either and I said to her that I have had XXXX fax the proof, I have downloaded and sent the proof via e-mail just like the letter asked me to do and I did that in XXXX and she then tells me we do not accept emails to which I replied that you do because the letter said to send it to this e-mail address and that is what I did, I also sent another follow up e-mail to the orginal asking if I could get a confirmation e-mail back and she replied that that never happened and then out of the blue she tells me that I have the incorrect address on my proof of insurance ( which just confirmed to me that she had the proof right in front of her all along ) and I said to her, does that mean that XXXX of California does not know your address because they also faxed a copy to you as well as me emailing it and now you tell me the address is wrong. She then said yes, please write this address down and this is where you can mail your proof to and I said I'm driving can you just email me the address so that way there is no mistaken issues anymore and she simply said no, we do not do email to which I replied, you know what, your just wanting more money and so in the end it does not matter what hoops I jump through it will not be enough so just do what your wanting to do and add the waiver and I will do what I have to do to fight it and she said we don't want to do this we just want the correct address on the proof and I hung up. on XX/XX/XXXX I received a letter from an unknown sender that just says XXXX XXXX so I opened it and it was from CAF saying that I did not provide proof and therefore they were immediately charging me {$1600.00} ( amount financed ), at an annual rate of 16.99 % with a finance charge of {$260.00} for a total of payments in the amount of {$1900.00} and that will now bring my monthly payment to a new payment in the amount of {$460.00} from the {$350.00} I currently pay. I ask that you reach out to CAF and have them stop what they are doing and I also ask that you investigate this company for fraudulent ways of doing business because I can guarantee you that if they are doing this to me then they are doing this to people that do not know how to get help.
10/31/2019	No	Vehicle loan or lease Lease	Getting a loan or lease Changes in terms mid-deal or after closing	CA 95757	Web
On XX/XX/2019, my partner XXXX and I purchased a car from XXXX XXXX XXXX with a {$2500.00} deposit. When completing the contract they only put XXXX on the car when we asked for both our names on the car. At the time insurance only my name, XXXX XXXX, was on the insurance, but once we purchased the vehicle both names were on the insurance through XXXX. We noticed insurance was extremely high so I was on the look for another. Our car overheated and I called them to inform them our car overheated on XX/XX/XXXX. We barely had the car for a month and we requested that they pick it up and fix the issues with the car. When they picked it up on XX/XX/XXXX they never contacted us to inform us on what was wrong with the car nor when it would be ready for pick up. We called later that afternoon and they informed us that they are repossessing the car. We were confused because we havent even made our first payment. They stated they dont have all the information such as references and insurance. I sent them the information and was requested to come in. I stressed to them its unprofessional to not have all of our documents because I made sure I sent them. We ended up having to come back on XX/XX/XXXX to redo the deal and gave them all the information. Since insurance became to high for us as I stated before we switched from XXXXXXXX to XXXX XXXX. I was informed by XXXX XXXX to not add XXXX because all drivers are insured. I tried to add him any way however he was denied. I purchased the insurance so we wouldnt be without insurance and canceled the previous insurance. I knew I needed insurance with both names so I got a quote and had to wait until we were able to afford to make another payment for another quote. XXXX contacted me XX/XX/XXXX and XXXX and XXXX asked for insurance. I let them know my situation however they did not want to wait and blamed the urgency of insurance on the finance company, California Auto Finance. I stated I will speak to the finance company and they told me no. They then threatened to take the car back and not give me a full refund. I called the finance company any way and spoke to XXXX and XXXX. They told me they can wait for insurance with both names and will finalize the deal. I called the finance company XX/XX/XXXX letting them know I never received anything in the mail and my payment is due the XXXX of XXXX. They told me they couldnt find my account and to call XXXX. I then called XXXX and spoke with XXXX to try to make a payment, I also had insurance with both names and they told me theres nothing I can do at this point. I then reported them to the better business of bureau and now Im waiting for a response back on the dealerships response. I went over my contract and it states the dealership can only cancel our contract if they cant find a finance company within 10 days which they did. I have documents of them threatening to take me to court and not exchange a full refund. Ive tried to communicate many times but I was hung up on and threatened by multiple people. I was then able to speak with them XX/XX/XXXX however they wanted me to make a {$480.00} payment to them even though they dont have a finance company for me. Our car note is {$400.00} so the {$87.00} late fee however when I spoke to XXXX on XX/XX/XXXX he told me I wasnt able to make a payment. I was able to record this conversation as well as evidence of their customer service because when I called back my call was forwarded three times. The car is still in our possession I just have worries that we will be with out a car and wont be given a full refund for the inconveniences on their behalf.
02/03/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NV 89031	Web
Incident date XXXX/XXXX/XXXX XXXX We where listed as a Third party reference. I, XXXX XXXX took the call. They asked for XXXX XXXX the loan holder. I informed the Representative that she was not available. The Representative identified herself as XXXX from California Auto. I told XXXX the Representative from California Auto regardiing the XXXX Toyota highander and that she needed to locate vehicle. I explained that we have asked several times to please remove telephone as point of reference. XXXX then said, I was being rude. I explained to XXXX that she is calling a third party. XXXX then started to harrass me and started shouting, " why dont you do something and take a message? '' I explained that two weeks prior I had spoken with Manager XXXX XXXX and Third Party reference would be removed. XXXX from California Auto then stated, she was recording the call and that she would call back again. I informed her she was harassing a XXXX. I asked why the tel # has not been removed. I then asked to speak with person in charge. She placed XXXX XXXX on the phone. XXXX XXXX identified himself as CEO of California Auto. I informed CEO XXXX XXXX that I was being harrased by his company once again. XXXX XXXX then stated California Auot was not doing anythiing wrong by calling a XXXX. I explained I was a Third party and did not have loan. I reminded him that i had spoken with him about 2 weeks earlier, regarding harassment. XXXX XXXX XXXX stated he was doing his job and not breaking the law and that he would continue to call. I explained once again, I 'm a Third Party and asked him to remove telephone number XXXX and ended call Call XXXX XXXX/XXXX/XXXX XXXX pm from California Auto voice message was left regarding California Auto and XXXX XXXX XXXX Toyota Highlander to please call back. By Representative XXXX XXXX XXXX/XXXX/XXXX XXXX pm California Auto voice message was left regarding California XXXX and XXXX XXXX XXXX Toyota Highlander to please call back. Call XXXX/XXXX/XXXX XXXX from California Auto XXXX Received call from XXXX XXXX Stating that she was California Auto , she asked for XXXX XXXX regarding the XXXX Toyota highlander. I said not here. She then asked for XXXX XXXX. I asked if XXXX XXXX was on the loan XXXX said no. I asked her to remove telephone number XXXX. XXXX Representative from California Auto said, that she needed to locate the XXXX Toyota Hghlander and then asked for XXXX XXXX. I informed her that she was harassing me and that she needed to remove telephone number. Representative hung up. Then she called me back twice with intent to harass by letting the phone ring and hung up at XXXX/XXXX/XXXX XXXX am and XXXX/XXXX/XXXX XXXX am. Call XXXX/XXXX/XXXX at XXXX from California XXXX XXXX Representative from California Auto did not identify herself. I informed the Representative that I have received harassing phone calls and that I have asked numerous times for telephone XXXX be removed. She continued to harass me by asking for Third party XXXX XXXX. I asked if XXXX XXXX has a loan with California Auto. Representative then said no. I asked her again to please remove my telephone number. I explained that her company has been harassing us since XX/XX/XXXX and tat I had already spoken with XXXX XXXX regarding third party contact. She then said she would remove telephone number.
06/04/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78132	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' California Auto Finance is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' California Auto Finance the financial institution and the Consumer reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, California Auto Finance whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. California Auto Finance informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
03/06/2017	No	Credit reporting	Incorrect information on credit report Account terms	CA 93304	Web
XXXX There is a vehicle repossession from California Auto Finance and a the collection from the repossession from the repo from XXXX on my credit report. I disputed the information bureaus. The XXXX account was deleted from the XXXX and XXXX but remained on XXXX. The collection from XXXX that is from the repo was still reporting with all 3 bureaus. After the credit bureaus claimed to have verified the debt. I sent a letter Certified Mail with Return Reciept to the car dealership, XXXX were the veheicle was purchased, to California Auto Finance and XXXX, requesting that they Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. Only XXXX responded with a hand rewritten note stating " the original creditor advises they did not repo the vechile so there are no documents to be sent ''. XXXX continued to leave " not able to contact debtor on the comment section on my credit report after they contacted me with a hand written letter. California Auto Finance amd XXXX failed to respond to my request. Since XXXX failed to reply and provide with any documentation, feel that the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. After no responds I sent a letter to the credit bureaus notifying them that I personally reached out to the California Auto finance and XXXX requesting documentation to validate them reporting on my credit and neither company was able to provided me with the documentation that I requested, but the accounts still come back as verified and California Auto finance has changed account status from repossession to charge off and XXXX removed their comment stating that they were not able to find the debtor " me ''. I believe neither company has the proper paper work to for this account and want the information removed from my credit report. I will upload all of the documents that I have mentioned. Thank you, XXXX
03/05/2019	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 959XX	Web
On XX/XX/19 I received a phone call from my daughter XXXX XXXX who has an auto loan with XXXX XXXX XXXX, she informed me that she just got off of the phone with XXXX credit manager who basically threatened her to send in a payment of XXXX by XXXX XXXX that date. Daughter who has been late with her payments due to the recent camp fire that not only destroyed our home, but lost her source of income due to business burned up, has looked to me to assist in making her payments. Granted payments were late, but non the less they were sent. Therefore I called XXXX XXXX XXXX which I have permission to do so by my daughter and was transferred to XXXX the Credit Manager who was not only rude and had extremely poor customer service but had the same arrogant behavior that my daughter stated she encountered. I asked for his supervisor and he said that he was his own supervisor, I asked for his last name ; and he said that I only need to know his first name and hung up on me. The entire conversation with XXXX, he was rude and condescending and kept stating " you have 10 minutes '' meaning we had till XXXX to send the XXXX payment through XXXX XXXX. I attempted to make the payment through XXXX XXXX as requested but ran into problems with logging in. Therefore I called XXXX XXXX XXXX again and asked to speak to XXXX supervisor ; explained what happened and was informed that XXXX was his supervisor and was given her email and phone number ; I attempted to call XXXX ; which went to voicemail, left a detailed voice message and requested a return call. I also sent her an email explaining what has happened and as of this date ; still have heard no response. I called XXXX XXXX XXXX at least 5-6 times within a 3 hour period and maybe 2 of the calls were handled appropriately and information was told to me that my information would be passed unto the appropriate parties. Almost 24 hours I still have not heard from anyone. I am extremely upset at the matter XXXX " the credit manager '' feels the need to bull dog or threaten consumers that if they don't make a payment by XXXX XXXX today, that they are coming to repo the car. Maybe you should look into how a company is so willing to finance an XXXX year old who was working less then part time at a restaurant be financed on a $ XXXX automobile. Very disappointed in the professionalism and tact this agency has showed me or my daughter. I don't care what you say, NO ONE ever deserves to be treated in a matter of disrespect that XXXX the credit manager and his superiors have shown.
09/29/2016	No	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 95207	Web
California Auto Finance Customer Name : XXXX XXXX Acct Number : XXXX I have a car that was finance by California Auto Finance, I was behind for my payment for just more than 10 days. California Auto Finance added insurance to my payment despite sending the proof of insurance to them and their staff calling and verifying the insurance to the company. I called and spoke with a representative named XXXX. I asked for information regarding deferment, since there is a hardship on my part XXXX explained to me their deferment policy and she said that she will transfer me to the collector that was assigned to my account. Upon transfer the collector was very rude and immediately asked " What do you want? '' I explained to her my situation and she did not even let me finish and say we do n't offer deferment. I explained to her that the other representative said that they do but she keeps on reiterating " We do n't offer deferment '' this time she said that " You need to send your payment we ca n't wait for it anymore ''. Despite this I continuously communicate with them through email and explained to them my situation. On XXXX/XXXX/2016, I received a call from a old colleagues of mine that I have n't talk in a while. They reported to me that a collector from California Auto Finance called them stating that I need to pay my debt to them or they will lock down the car. This a complete violation of Fair Debt Collection Practices Act. Specially in the state of California law where original creditor is also consider as the debt collector. FDCPA states that Debt Collector can not ask third party to pass on a message, which in this case they completely violates. FDCPA also states that debt collector can not call third party more than once and can only ask to obtain or confirm location, again California Auto Finance Completely Violated. FDCPA also prohibits them from revealing consumer debt, which again they violated. FDCPA also prohibits them from harassing or stating any threatening words and for them to say that they will shut down the car despite of negotiation and sincere efforts to pay the debt is just a blatant harassment. Not only that California Auto Finance has no customer service, they 're collectors are treating their customer inhumanely. California Auto Finance must remove and stop contacting individuals on my references. They are also more than willing to testify in court of law if I decided to pursue court actions against them
02/05/2023	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NV 89102	Web
Not at fault, they knew the first week. 70days {$0.00} My name is the only one on the title. My wife is on my insurance policy, full coverage {$300.00} a month. My wife was driving home from work, on XX/XX/XXXX. Another XXXX hit her. The man driving apologized, admitted fault and the officer at the scene also put full fault on the man that hit my wife. On the police report it says whos at fault. About 3 - 7 days in I called XXXX XXXX the 3rd party insurance. They told me my insurance is supposed to make me whole again, then get reimbursed when the case settles. So I called XXXX XXXX about the claim I put in the night it happened. They belittled me, by saying things like, well how would you know whos at fault, why would we pay that, stop calling us and let it play out, tell your wifes lawyer to help you, that car is not worth {$10000.00}, your claim is gon na be lost. What am I supposed to say. My car is a XXXX XXXX XXXX. She told me to call the place where my car is being stored, and give them permission to pick it up. Not knowing anything I did it. Now XXXX XXXX cant tell me where my car is. XXXX wanted to do an assessment to see the worth. How does a XXXX with 22inch rims come up missing. So now every call is them trying to give me XXXX for my car. They gave me a copy of their assessment, not one car cost XXXX, but Im supposed to except that, while being hung up on, and put on hold for long periods of time. So I get desperate like a month in, I except {$11000.00} and a claims check from a hit and run that happened months back of {$7700.00}. I figure when I get my claims check I can buy another car and Im able to pay off my loan. But to my surprise a week later my loan company let it slip out that they had my claims check had cashed it and wasnt going to put it toward my principal. I got so frustrated, I literally got sick. How can they do that, keep my money, meanwhile charging me fines and interest for late payments fees. Its 65 days past the accident and my insurance company hasnt given me a dime, or a phone call. I called every time. Its 70 days later and my total is {$0.00} I need help Im becoming depressed and desperate. My wife cant work cause she needs XXXX on her lower back.I really feel like its always gon na be this way. I have no voice, against these to companies I had to sign contracts with in order to drive away in my dream car. My insurance and loan company are ruining my life. LITERALLY
08/25/2023	No	Vehicle loan or lease Loan	Repossession Notice to repossess	WA 98908	Web
When I become a day late on my payment, or even on the day of the due date, I will receive calls from the finance company that is financing my car. I am not always able to answer as I work full time in classrooms with children and I am not allowed to be on my cell phone. Sometimes I am able to step out to quickly take the call to inform them I am busy working and to please only call after XXXX, instead of agreeing they will hang up on me. If I do not answer their calls during my work hours, they will call me right back with different phone number, then send text messages and emails. They then will call my references and employer at least twice the same day. My brother asked them why they are calling him so much and the representative told my brother they were coming to repossess my car if I don't pay my balance and then gave my brother the account balance without my permission. I have received two verbal warnings from my supervisor at work that the calls are interrupting business and are inappropriate. I called this morning to request that my employer and family be taken off the call list, the representative was very rude and said he completed my request but if I don't answer when they call they will reposes my car. I asked for proof in writing that my request was submitted and was denied. I also have been requesting my due date to be changed to coincide with my paydays so that i can ensure my payment to be made on time, i got push back until XXXX i was told that i could make that change as soon as my account was up to date. In late XXXX i made my payment to get completely caught up, I called XX/XX/XXXX or XXXX to request the due date change from the XXXX of every month to the XXXX, the representative started the process over the phone with me and put me on hold to complete the request then i was hung up on. I should have called them back because they did not call me back and they never completed the request so on XX/XX/12 the harassing calls started again. I went back and forth with representatives about the mixup and told them I could not make my payment until the XXXX, they said i would be charged late fees. Today my mother was sent a text message from the finance company with a link to my account so that she can make payment that had all of my account information on it, i did not authorize that.
08/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NM 87124	Web
On XXXX/XXXX/XXXX. I was approved for an auto loan through XXXX XXXX XXXX. They also operate with other names, all of which I can not think of. My loan with them was, for the most part, smooth but fraught with terrible customer service. On XXXX/XXXX/XXXX, I was apparently late for a payment and XXXX XXXX XXXX decided to repossess my vehicle. After jumping through hoops with them, I paid off the collection fee AND the repossession fee that same day. The total amount for that transaction was about {$540.00}. This is even reflected in my payment history which I had requested from XXXX XXXX XXXX. My account was closed with XXXX XXXX XXXX on XXXX/XXXX/XXXX, and everything was satisfactorily paid in full and my account balance was zero. I received my title from them, and immediately filed for a new title to completely remove XXXX XXXX XXXX as the lien holder since I did not trust them one bit. That vehicle in question was later traded in to purchase a new vehicle sometime in XX/XX/XXXX. Prior to that, in approximately the beginning of XX/XX/XXXX, I applied for a mortgage. My mortgage agent stated to me that on my credit report, through Transunion, the XXXX XXXX account still shows as open with a balance of {$540.00}. I immediately called XXXX XXXX and they stated that my account shows as paid in full. I requested proof of that, and I was mailed out my payment history. I asked the representative to immediately report my account as paid in full and closed, but she was not helpful in giving me any information why it was still open, and instead told me to go online and file a dispute, since " they did everything correctly. '' I am filing this dispute with the CFPB against XXXX XXXX XXXX for pure negligence in reporting my account as correctly closed and paid in full to Transunion. XXXX XXXX XXXX is rude, completely not helpful, and deceitful in every imaginable way. They need to be held accountable for their shady tactics and deceitful business practices. They were no help at all, as offered no sympathy or assistance in assisting me to resolve this issue.
10/22/2020	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 95060	Web
California auto finance has tried to scam me from the beginning. From the first payment they lied about fees I didnt own called me a liar and my fianc a liar. Gave my fianc all the information from my loan when he is not on my loan. They have gotten into arguments with my insurance company because they where trying to charge me for not having insurance when I did and tried to charge me for it still with proof. I spoke with them letting them know that due to COVID-19 I was struggling to pay but that I would have payment. I always pay. They call my cell between 3-6 times a day sometimes with multiple text saying I owe them. They call me even when I give them a date that I will have payment. They call my job multiple times a day call my coworkers liars and pretend to be sibling. My coworker cried once from the lady stressing her out too because of how many times she called in one day. My coworker said she kept calling her a liar. ( I was not in the office at the time ) they leave me threatening voicemails like Im going to come to your job today which sounds very threatening to me. I am so overwhelmed by these people I have had mental breakdowns and I have been having trouble sleeping and this has really effects my job performance. This has honestly been the worst experience I have ever had. I went from promotion talk to my general manager questioning my performance. I need help! I cant even talk to them anymore in fear they are going to threaten me and ask for more money. I have proof of all of this and i do t know what to do anymore. My payment was only a few weeks late and paid for now.
01/26/2021	No	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	CA XXXXX	Web
In XX/XX/XXXX I came to the United States for the first time and I spoke no English. Shortly after I met XXXX XXXX. In XX/XX/XXXX we were struggling to commute to work so he told me he needed help asking for a loan because the chances of us getting a loan with two incomes would be higher. I was new to the County so I was not really sure how it worked. XXXX XXXX made me sign the paperwork after I expressed I didn't think we could afford it. Shortly after we broke up because of financial problems and he kept the vehicle with VIN # XXXX. Shortly after I found out he stopped making payment to California Auto Finance because I kept getting calls treating me to pay all the balance or I would be sent to collections. I did not understand what was happening and I kept explaining that my ex was the one that kept the vehicle and not me and the loan was under his name ( I have copies of the coupons with his name ) the calls eventually stopped and I was sent to collections. Eventually I found out the Vehicle was repossessed. I tried to settle the debt in XX/XX/XXXX but the California Auto Fianance kept demanding the whole amount even with the vehicle in their possession. They recorded the debt and the collection in my credit report even though I tried to settle and I was forced into cosigning.
03/22/2021	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	CA 959XX	Web
I purchased a vehicle from the used car dealership, XX/XX/XXXX ( XXXX, CA XXXX ) in about XXXX of 2020. I purchased the car for {$12000.00} from the dealership and put down {$2000.00} cash for deposit. I then financed the vehicle through California Auto Finance. During this time the covid crisis had gotten worse and financially I was looking for help with the finance company and asked to defer a payment. They no longer allowed defered payments! I was late on a few payments but then settled up after all was said and done. I logged onto their website and noticed my original loan was for {$12000.00}. However, in a months time my balance had jumped from XXXX to {$16000.00}. They claimed it was from late fee 's ( XXXX ) and those late fee 's accumlate interest. Apparently to the upwards of XXXX XXXX XX/XX/XXXX? Something is majorly wrong and none of them can even explain this math logically to me. I noticed onXX/XX/XXXX website and XX/XX/XXXX that there are tons of reviews of this company doing fradulent work. I have tried to resolve this issue with many of their employees as well as I have tried to reach out to their CEO on XXXX to try and resolve this. SOMETHING IS MAJORLY WRONG HERE! I'm literally being strong armed by this company!!!!!!!!!!!!!!!
07/22/2022	No	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 93305	Web
Hello, I am disputing this because it is wrong for them to put this on my credit report when I'm still paying them. How can they put this at the middle of the purchase of the car payments when I'm still paying on it? Not to mention this car has been a awful investment. I purchased this car because the car I wanted was undergoing work it needed. So this car was a loaner and wrecked at that. So, I needed a car really bad so I got it with the XXXX down-payment I may add. 3 months into the car the motor blew out on me. So there was another XXXX no warranty on car may I add. And now I can't even get to pass smog because of a Gas leak on the underneath of the car.And this company has got alot of nerve to put this on my record of late payments. XXXX XXXX XXXXXXXX XXXX XXXX they get their payments. So they got no rite to put this on my credit report. This car is almost paid off. But they should be getting sued for the lemon law. They want to ruin my credit that I don't really have and trying my hardest to build. Could you please look further into this. It's not fair for these people to have the rite to put false information on me.
05/22/2021	No	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 93610	Web
XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX : XXXX SSN : XXXX XX/XX/2021 Dear XXXX XXXX XXXX XXXX, I'm writing this letter in regards to the above-referenced repossession account. I'm very upset that you are reporting this inaccurate repossession account on my credit report as it's really damaging my credit score. This inaccurate listing is a mistake either on your part or the furnisher 's part. Creditor : CALIFORNIA XXXX XXXX, Account : XXXX This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified.Provide proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE. Please update, modify or remove any account that is not reported 100 % accurately. Sincerely, XXXX XXXX
02/27/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 95949	Web
My daughter and her boyfriend got an auto loan through XXXX XXXX XXXX. The company call them over every little thing they can create. They are nor have they been late on a payment. The problem is whenever they call my daughter, they also call our business cell phone, which we let my daughter use for a reference only. I instructed my wife to track every time they call. Today they called and my wife instructed them to take note and never call this number again. An hour and a half layer they called again because they wanted to get ahold of my daughter and she didn't answer. I called the company and asked who their agent for service was. The lady ( XXXX ) had no idea what that was. I explained what it was and she put me on hold for a moment. When she got back on she said the lady 's name I want is XXXX. I asked for a last name and she refused. I asked her name and she told me her first name but refused her last name and hung up on me. This is unacceptable behavior and harassment and I will not tolerate it.
05/31/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 94085	Web
The creditor is unwilling to try to work with you on late payments. They always threaten repossession as the first line of action. Give ridiculous deadlines and threats and very unprofessional. Call your references and family members right away harassing them if you are late. Very degrading and unprofessional in their actions. A family member offered to help pay my payment but was told that they would not wait until XXXX XXXX it had to be XXXX XXXX the same day or else. Would not come to a workable solution at all. Go with their motive or nothing. Payment is late but not even close to 30 days. Again they were going to receive full payment XXXX XXXX by XXXX XXXX only 15 hours from their request and they were rude and said forget it they did not want the payment. Spoke to XXXX XXXX who was rude threatening and arrogant. His number is XXXX. XXXX XXXX XXXX should not have account managers working for them who treat people like they are loan sharks. Horrible people.
05/06/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 94124	Web
On XX/XX/2021 I filed a CFPB complaint ( XXXX ) against CALIFORNIA AUTO FINANCE. It has been 72 DAYS with NO RESPONSE to my CFPB complaint. CALIFORNIA AUTO FINANCE failed to respond to my request for debt validation in 30 days. CALIFORNIA AUTO FINANCE hired a third party debt collector XXXX XXXX to steal my identity, personal information, credit card and social security card. XXXX XXXX sent my personal information, credit card number and social security card to at least four uninterested parties to which I have proof. They furnished documentation that clearly displays their harassment and fraudulent actions. There is no contract, agreement or validation between this alleged debt collector and me. I am the original creditor and consumer.Violations of TRUTH IN LENDING ACT 15 USC 1601 AND FAIR DEBT COLLECTION PRACTICES 15 USC 1692. I humbly request CONSUMER FINANCIAL PROTECTION BUREAU intervention and action.
11/23/2022	No	Vehicle loan or lease Loan	Incorrect information on your report Personal information incorrect	NV 89030	Web
the issue has been going on for over a year now my truck hasn't showed up on my credit report but they call harassing about a payment and hasnt fixed my account but how the reps and even managers has talked too me incorrectly and using unprofessional setting now future the truck has not popped up since I first brought it the last year and half it hasnt been reported too my credit score but the company said oh we might have the wrong numbers which credit score you looking at and then tries too get me to say my ssn so they can finally put it on my credit plus each time i talk too them my account balance always changing they never disclosed anything with me but try and say why cant you afford the truck try too threating me with repo and im never XXXX or even close too it not even 60 days late but i have no information from California Auto Finance they cliamed too have sent things in the mail that never come
04/09/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 95204	Web
First and foremost, I must be honest and say I am 26 days past due on my loan. XXXX XXXX XXXX has made reasonable attempts to help me stay current. My problem is with their collection practices. No, I do not answer every call they make to me. However, I do stay in contact with them at least every two weeks. My problem is with their continued third party disclosure to references I gave to them. Calling XXXX XXXX one week after speaking with me and verifying good contact information with me is excessive when you are telling her I am past due with my loan. She is only a reference not a signer. Telling XXXX XXXX you are calling about my past due auto loan and you can't get in contact with me is not only a lie but, once again she is not a signer on my loan. Only a message can be left. Not that I'm past due.
03/16/2017	No	Consumer Loan Vehicle loan	Managing the loan or lease	CA 95204	Web
1 ) Failure to post payments in a timely fashion. I sent two payments via XXXX with follow up calls providing proof of payment. On both occasions I continued getting phone calls from employees that would yell at me, and threaten to have my vehicle repossessed and hang up on me. 2 ) Vehicle repossession causing extra fees after payments were remitted and verified received, with all payments up to date. 3 ) Continuous calls demanding payment after vehicle reclaimed from repossession company and additional fees being sent via XXXX. 4 ) Third party disclosure to my brother in law after stating he was not my spouse. My brother in law was told that calls were regarding my auto loan. 4 ) Applying insurance to may loan after being supplied with my private insurance information on 3 different occasions.
11/09/2022	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NV 89030	Web
Malicious calling ... this company will call you and hang up even after you speak to a representative ... A representative of the company was told that a payment could be made on XX/XX/XXXX. I was told the payment would draw from my account by that Date but not for the day of the call XXXX. The representative bullied the call and drafted the payment for XXXX after I specifically told a specific date XX/XX/XXXX ... the payment was returned and the vehicle was repossessed on XX/XX/XXXX. I have the money to cure my loan however the vehicle is damaged and not driveable due to the towing company. How can I continue to pay on a car that is supposed to be working under this contract if they damaged the vehicle while I'm recovery. They are offering to cure my loan with a damaged vehicle.
10/03/2023	No	Vehicle loan or lease Loan	Repossession Account reinstatement or redemption after repossession	CA 96003	Web
California auto finance had repossed my vehicle and is not giving me a right to reinstate and purposely not giving me my right to pay and get my car back they keep telling me that they no longer have the contract to my vehicle and that my account is no longer with them and telling me that there's is no way I can get my vehicle back. They had told me that my car was back with the dealership that I bought it from and is breaching the contact I had originally signed the employees that work at this business were all told by the managers that when I call in to get info on it to advise me that I need to talk to the dealership cause they have no info on it. My car was repossed on XX/XX/2023 I've made several attempts to cure my debt and make things right but this company is refusing me
12/29/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93710	Web
I XXXX XXXX has had a car loan with California Auto Finance since XXXX of XXXX. I have been late on my payment once. As of XX/XX/XXXX, all three credit bureaus have my status as CLOSED. This account is not closed, I am currently up to date with my car payments. I have disputed this at least 10 times and my status has not changed. XXXX says in their records it shows auto loan open. The credit bureaus said that in their records it shows closed. Someone is not on the correct page and this is affecting my credit. I am trying to buy a house and I cant because this status has not changed. I have reached out to all credit companies and my car loan bank and no one is helping.
07/24/2021	No	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NV 89108	Web
California Auto Finance continues to call me and threaten and harass me with the repossession of my vehicle XXXX times a day.The company is also contacting my friends and family members even after I speak with them. I am suffering from the backlash of the pandemic but I have never been 30 days late with my payment. I requested assistance due to these circumstances and was told that nobody is affected by the pandemic any longer and there is nothing that can be done if I am currently affected. California Auto Finance has also called and left messages about picking up my vehicle. They just won't stop.
06/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85339	Web
XX/XX/XXXX i contacted XXXX XXXX XXXX because i noticed wrong information reported on my credit report about a auto loan of XXXX was paid in full and the company deleted the account instead of report the correct information its not right that i remain paying of the car and not having any car loan on my credit report in with it was paid off in full in XX/XX/XXXX the company changed their name to XXXX XXXX XXXX with when i started the loan the company name was XXXX XXXX XXXX XXXX i contacted the credit bureaus with the problem then i contacted the company still no help
12/17/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94063	Web
I have never financed a vehicle before in my life. I worked at a XXXX XXXX as a XXXX XXXX and regularly endorsed contracts. A loan belonging to two customers went bad and the finance company attached their loan to my personal credit because the corporation had a guarantee. I have asked the finance company numerous times to correct this with no regard. I asked them to produce a sales contract of me buying a car which they ignore because it does not exist. Now my child has XXXX and I need to finance a car and cant because of the Malicious error.
08/21/2017	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	CA 92407	Web	Servicemember
Company repeatedly calls about 4 times a day and then from blocked numbers. Company left a message with private information on the voicemail. ASked the comopany to only contact me through mail. The company would call my employer and repeatedly call my phone. The company was notified of the loss of my daughter and was told to give the family time before contacting them and they still continued to call making comments like " OK and she still owes this debt '' Very insensitive about the passing away of the primary driver of the car.
02/08/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93722	Web
I purchased a vehicle through California auto finance 3 years ago. I was late on 1 payment, since then they have stopped reporting my credit score to XXXX. My auto loan should be at about 6200+ int. XXXX told me that they were made aware that XXXX closed my auto loan. Which is not true because I am still in possession of the vehicle. I have submitted a complaint once before with XXXX and nothing has been updated or changed on my credit. This is hurting my credit score because the auto loan is stating closed when its indeed open
10/21/2023	No	Vehicle loan or lease Loan	Repossession Lender trying to repossess or disable the vehicle	GA 30344	Web
On XXXX XXXX @ XXXX XXXX my boyfriend ran down the stairs to stop a towe driver trying to repo my car.He woke me up by screaming my name. As I came down the stairs to try and make sense of things the towe driver said he was sent by my finance company! California Auto Finance XXXX XXXX XXXX XXXX XXXX CA XXXX. There phone number is XXXX XXXX XXXX. I tried to get in contact with them but I'm not getting an answers. The towe driver gave me a card and the name of the company is ASAP phone number XXXX XXXX XXXX.
12/21/2019	No	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 925XX	Web
This was disputed twice recently deleted from my credit and now it's bank showing from a different debt collectors agency this needs to be removed please I've tried contacting this company to dispute it is difficult to contact office and staff was extremely rude vague and dismissive I was cursed at a few times and hung up on multiple times this is effecting my credit I am a single mother struggling to fix my credit to buy a home I really need this to be made right and go away it's been a nightmare
01/13/2023	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	CA 94561	Web
I have a XXXX XXXX XXXX financed through California auto finance the vehicle has been sitting for a couple years now and I am in need of obtaining the title to send to a junk yard. The company is refusing to respond to any of my calls/ emails. I do not know what to do at this point as I have a vehicle sitting in my driveway that I cant do anything about because I do not have the title due to this company not being able to contact me back. License plate number California XXXX
04/17/2020	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	TX 78258	Web
They call everyday with harassing threats and are very combative after making an agreement with them to make a payment on a certain day, due to hardships the payments are late. But I make agreements with them on a Monday to make the payment on Friday and get calls everyday till the day arrives. They are rude and hang up if you tell them about the agreement that was made. Then make threats of repossession. This is the worst customer service ever.
02/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OK 73044	Web
California auto finance I repeatedly disputed this account. The account was open XXXX. It recently closed XXXX but still have a remaining balance and also shows on my credit report which is Hindering me from moving forward. I would like this account to be removed as its out of statue of limitations. Remained negative balance is XXXX. They got their vehicle back and still wants me to pay. I have sent dispute laters trying to resolve for years
11/06/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 95206	Web
I normally pay my car loan on my first check of the month, which is usually within the 10 day grace period of my contract. The day after the loan is due, I get harassing collection calls. They leave voicemails daily and keep calling after the voicemails are left. I will pick up the phone and they hang up on me. This harassment continues until the bill gets paid irregardless of me speaking to them and making an arrangement.
11/18/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95209	Web
I have sent Identity theft paperwork to remove accounts resulting in identity theft. The accounts remain on my report and pursuant to 15 usc 1681 c-2 the accounts were suppose to be blocked from my credit report. As a consumer I feel defeated and taking advantage of. Please assist with removing these accounts asap. CALIFORNIA AUTO FINANCE XXXX XXXX XXXX XXXX
12/04/2019	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AZ 85283	Web
The finance company sell a car that was having mechanical problems ( I notified several times ). They called over 10-15 times a day ( even before XXXX ) and that's including my references. In addition, I provided the address to repossess the car and they never show up and now they are treating me to file a stolen car report ( which is false ).
04/11/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	WA 98682	Web
I was verbally insulted multiple by a representative. The representative shouted over the phone to tell me to " shut up! '' and afterwards he told me to " be more of man '' and that " I am irresponsible ''. The same representative left me a voicemail stating if I did not call him back he was going to report me to the police.
06/02/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	CA 92201	Web
This letter is being sent to you in response to a telephone call made to me on ( XX/XX/2020 ). Be advised that this is not a refusal to pay, but a notice sent to a pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validated is requested.
05/12/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	CA 92880	Web
I am a reference on an auto loan and I am called XXXX 3 times a day. Also they leave messages that are very personal. If this was my loan I would not want them to tell people what they tell me. I am feeling really harrassed by this company and they need to stop. Thanks for the help.
09/20/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95209	Web
I have requested several accounts be investigated on my credit report. The investigation took well over 30 days and I am demanding these accounts be removed in less than 30 days. The investigation should have been completed 30 days ago and the accounts are still in review.
05/21/2017	No	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	CA 94605	Web
California auto Finance is reporting inaccurate information on ny report putting that i owe more money than i do they recieved the car back and sold it and never adjusted the price
07/06/2016	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	CA 95407	Web
They have me on collection twice. Once for {$8000.00} + and the other is for {$5000.00} +, i have asked for this to be removed since they sold the vehicle at an auction.
03/24/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA 95205	Web	Servicemember
I bought a car from California auto finance. I was never late on making my payments. At the end of my loan my car was totaled and payed off by my insurance company!
09/15/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95206	Web
I have requested that XXXX, XXXX, AND XXXX investigate possible inaccurate and unverifiable accounts and the investigation took well over 30 days.
06/20/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85225	Web
multiple companies inquired my credit without my consent
12/17/2023	No	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 95824	Web

12/26/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 94122	Web

05/25/2022	No	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	AZ 86025	Phone

03/31/2022	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	CA 93901	Phone

03/03/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 95991	Web

08/03/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93610	Web

03/29/2021	No	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	CA 95207	Web

03/06/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92509	Web

02/11/2021	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	92335	Web

12/04/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95351	Web

05/18/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly		Phone

01/17/2020	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 93960	Web

06/10/2019	No	Vehicle loan or lease Loan	Incorrect information on your report Information is missing that should be on the report	NV 89142	Phone

07/03/2018	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan		Phone

02/22/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	CA 91708	Web

08/30/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NE 68104	Web

06/01/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 95206	Web

09/27/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	HI 96816	Web

04/20/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 94061	Web

04/19/2016	Yes	Credit reporting	Incorrect information on credit report Account status	CA 94061	Web

12/22/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 93905	Phone

07/29/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 90247	Phone

06/19/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 95206	Web

05/12/2015	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	CA 92879	Phone

03/17/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85306	Web

03/10/2015	Yes	Debt collection Auto	Improper contact or sharing of info Talked to a third party about my debt	CA 95661	Web

01/28/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 92316	Web

01/22/2015	Yes	Debt collection Auto	Communication tactics Used obscene/profane/abusive language	AZ 85750	Web

10/01/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	CA 95824	Web

09/10/2014	No	Debt collection Auto	Communication tactics Frequent or repeated calls	CA 92376	Web

07/30/2014	Yes	Consumer Loan Title loan	Lender repossessed or sold the vehicle	CA 95203	Web