Action Credit, LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
02/10/2023 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Charged fees or interest you didn't expect
  • TX
  • XXXXX
Web
Around about XX/XX/XXXX, I received an unsolicited Check in the amount of XXXX Dollars from Action Credit Loans. The check included information that I may cash the check and it would open a loan account for that amount, plus interest and handling charges, in the amount of XXXX. I visited the Action Credit XXXX XXXX location and had questions about the legitimacy of the check. I spoke to XXXX XXXX, who stated I could take the check to XXXX XXXXXXXX XXXX and cash it without a fee. I was given a promissary note with all the Loan terms at the time of my visit on XX/XX/XXXX. The Loan terms did not include a " Convenience Fee '' for making payments over the phone. XXXX XXXX did not disclose to me the existence of this fee in writing nor verbally. I was charged this fee each time she took a phone payment from me from XXXX to around about XX/XX/XXXX. On XX/XX/XXXX, I telephoned the XXXX XXXX store and spoke to the new manager XXXX. XXXX XXXX informed me XXXX was no longer with the company. At that time I was not informed I would be charged a fee. I then visited the store on XX/XX/XXXX in response to a flier they had sent to my home, stating i could roll over my loan and receive another XXXX dollars. I was then given another contract, numbered XXXX. The new contract I received again did not mentiion the existence of a " Convenience Fee ''. I made 2 subsequent payments in XX/XX/XXXX towards the new loan. On each payment, I was not charged any additional fees, outside the XXXX that was agreed upon in my loan conditions. Around about XX/XX/XXXX, I contacted the store because I did not understand why it was taking so long to update my account information on XXXX and XXXX XXXX. I spoke to XXXX XXXX who informed me I would need to call a corporate XXXX number to ask said question. I then called the XXXX number and left a message on XX/XX/XXXX. I received a phone call back later that day from the " Vice President '' of Action Credit. He was extremely confrontational and shouted at me several times. He stated that it was " not his fault that I was a dedbeat that didn't pay my bills. '' He went on to state " I did not want to find out what would happen if I stopped paying on this account ''. He further stated " I can report to the Credit Bureaus exactly accurate information, that you have been paying late every month ''. To be clear, I had not paid late at any time up until that point. In XX/XX/XXXX, I took another Loan refinance under contract XXXX. I again did not receive any information about a " Convenience Fee ''. Under the new contract the payments were to be XXXX a Month for 8 months, with the final payment coming due in XX/XX/XXXX. In XX/XX/XXXX, I contacted the store and wanted to make a payment over the phone. In XX/XX/XXXX, I contacted Action Credit to make a payment on my account. I was told the amount would be XXXX. I was not sure why the payment amount had gone up, and asled to speak to a manager.The Manager, XXXX, stated I would be charged a XXXX " Convenience Fee '' and the only way i could get around this was to pay in person at the store. I informed XXXX I was out of town and was not able to pay in the store, to which she replied, " there is nothing I can do, we charge this fee to everyone ''. I was charged an addition XXXX fee for my payment in XXXX. On XX/XX/XXXX, I went to the XXXX XXXX store and spoke to XXXX. She stated there was nothing she could do about this fee. I asked to speak to her supervisoir. She stated someone would call me back, however no one returned my call. I called later in the day to inquire as to why no one had called me back. The rep that answered the phone, XXXX, was extremely rude and dismissive. I asked why I needed to pay a fee which was not on the schedule, and she replied " its not my job to talk to you '' and hung up the phone. On XX/XX/XXXX I went into the store to pay off the account. The manager connected me with XXXX on her cellphone. XXXX stated there was nothing they could do, and this was a valid fee. I informed XXXX that Action Credit was violating federal law by charging a fee that was not disclosed in the loan terms. He then threatened me that if I sue them, " I would need to pay all their legal fees ''. I then telephoned the store and paid off my account in full, and was not charged a convenience fee.
08/15/2018 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • TX
  • 79934
Web Servicemember
I fell Behind on my be payment.. the CSR called to collect payment I asked if I could make the payment on Friday since thats when I got payed they asked what was the reason why I fell behind I let them know we had a medical emergency and that is why I couldnt make the payment. Then the CSR responded well I dont care what your excuses are I need the payment and I need it now. I told her I could make the payment but until Friday. She said she couldnt wait and needed now. I told her all I could do was Friday and that I had to hang up cause I had to go back to work. She then replied well Im going to call your work to speak to you. I worked at a XXXX XXXX and I had already asked her several times to stop calling me at work. She called me the next day at work and I again told her couldnt make the payment and that I had asked to stop calling me at work because I was going to get fired. The initial call was on a Monday and she kept on calling my work all the way through Thursday on Friday when I was going to give a payment she told me it was a higher amount and hat I didnt have and she couldnt accept the lower amount. This person started calling the whole world to tell them to ask me to pay my loan and gave out information about my loan dates taken out amounts days I was past due and all the details. I spoke to her and told her that what she was doing was wrong and that I was just goIng to wait until the loan was charged off so that I could pay off because I didnt want to deal with her anymore. She said she didnt know what if was talking about that I never asked to stop calling ... i was fired from my job due to the many calls she made to work and now Ill really dont have a job to pay them back with
02/13/2019 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Loan payment wasn't credited to your account
  • TX
  • 78550
Web
Yes the problem is that we have been harassed by this company Action credit XXXX XXXX XXXX XXXX XXXX XXXX ... I was paying the loan payment on time all the time.. Until I was diagnosed XXXX XXXX ... I started getting XXXX .. I'm XXXX and I'm not denying to pay ... My partner went to the store not only that manger laughs about my sickness.. She said we are ungrateful that she gave us the loan.. She said we didn't have good credit. But Reason she's gaves loan was for her to meet accounts goal.. Other XXXX customers complained that she pushes them to renew accounts ... And that I'm lying about my sickness that hurt me so much that they I wish I wasn't .. The manager told my partner she was hiding her from her my partner showed her the pictures where I had XXXX XXXXXXXX XXXX times.. an XXXX XXXXXXXX from doctor ... The manager discriminates on XXXX people.. that's why my partner goes and makes the payment other store ... We have been getting calls from the corporate office harassing us..
06/27/2023 Yes
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • TX
  • 78041
Web
On XXXX XXXX,2023, a representative from the Loan Company XXXX XXXX came to my workplace. She asked when I could begin making payments again I did advise her that I was currently struggling and I would try to catch up in the upcoming month. I do Acknowledge I am behind and I communicated to her when she came by and processed to call her Supervisor and she asked more questions about payment I repeated that I was trying to catch up. The agent who came to my work asked me to take her cellphone but I am in a public office that has camera 's and I did tell that I couldn't take her cellphone.
05/21/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 78660
Web
12/17/2020 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Problem when making payments
  • TX
  • 78748
Phone
04/04/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 78626
Web
07/03/2019 Yes
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • TX
  • 78537
Phone
08/14/2018 No
  • Payday loan, title loan, or personal loan
  • Installment loan
  • Struggling to pay your loan
  • TX
  • 78221
Web
08/11/2018 No
  • Debt collection
  • Payday loan debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • TX
  • 78664
Web
08/11/2018 No
  • Payday loan, title loan, or personal loan
  • Payday loan
  • Struggling to pay your loan
  • TX
  • 78664
Web