| 12/24/2015 |
No |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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I received a call from Argon Credit asking if I wanted to refinance my account. At first, I stated No and my husband said yes we use it for XXXX. Well that is when the nightmare begin. I received the contact on XX/XX/XXXX and I notice that it did not have any account information. I called an gave her the information and was told that the funds would be there on XX/XX/XXXX. They were not there, so I called and spoke with XXXX XXXX, she asked that I send her bank statement and voided check which I did. Then a young man called and asked for the same information, I explained that I had sent it to XXXX XXXX and he stated that she had not update and ask that I email him the documents. The next day no funds so I called and was told that it would take up to 5 days, I have never had a problem in the pass. So on XX/XX/XXXX I called and I said ok this is crazy I have been waiting since XX/XX/XXXX for the funds and you send me an email stating that the funds would be in my account on XX/XX/XXXX. I ask can we just cancel and I go back to my old agreement that I had. XXXX ask that I allow him to see what was going on and call me back. He did and told me that the bank had rejected the deposit, so I call the bank and was told that no deposit was presented my that company. So I called back and I requested a supervisor, all the time I am asking about this due date of XX/XX/XXXX which was going to be less than 30day since at this time I did not have the funds. I was told each time that once I received the funds to call back and the due date would be changed. Well the funds were finally deposited into my account on XX/XX/XXXX 11 days after this whole process started. So I called and spoke with XXXX and was told that she would call me back. She did leave a message when I called back I was told that the due date would not be change the payment is due on XX/XX/XXXX, 19 days after I received the funds. Then I am looking at the contact and it states that funds will be issue no later than 5 days after the contact since I there is a 5 day grace before late fee applies. I also notice that the interest is 59 %. Everyone that I talked to before told me that the due date would be change since it was after the 5 days and now I am being told that they are not willing to change the due date.
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| 05/23/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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A previous complaint was filed against Argon Credit XX/XX/XXXX regarding violation of Alabama usury law ( 8 % interest ) on {$2000.00} personal loan, and this account was paid in full back in XXXX XXXX. Argon Credit kept reporting this loan as delinquent on XXXX, and I filed a dispute in which XXXX verified as being paid in full on XXXX XXXX, XXXX. This bogus account was placed back on my XXXX Credit report as having a {$500.00} balance on XXXX XXXX, XXXX. I disputed this, immediately, two weeks ago, and then I remembered that XXXX had already verified as paid in full. Today, I called XXXX to find out why it was deliberately violating FCRA and was told by a phone tech and XXXX supervisors that Argon Credit did not respond to the dispute within the required 30-day time, but " XXXX gave Argon Credit additional time to correct the record. '' Argon Credit failed to respond to my dispute in a timely manner. Argon Credit is well aware that federal law requires it to respond within 30 days. XXXX XXXX, XXXX is way over the period to respond to a dispute. And, as Argon Credit is no doubt aware, failure to comply with federal regulations by credit reporting agencies and creditors is a serious violation of the Fair Credit Reporting Act and cause for an investigation by the FTC. I have a copy of the dispute results from XXXX back on XXXX XXXX, XXXX, and this is a blatant violation. I am requesting this matter be resolved, immediately, or else I will be resolved to take legal action to protect my rights.
Argon Credit is knowingly using " parking '' tactics that are spelled out in several court cases that have been won by consumers against dishonest creditors.
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| 04/30/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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I applied and was preapproved. Sent all my documents got a response I would have an amount and final approval within XXXX hours. XXXX days later I received an email saying I was approved for {$10000.00} and they forwarded me the loan documents to sign. I signed the loan agreement and called the next morning asking when the loan would fund. I was told it would fund that night which was wensday night. I then received an email that I was declined. No explanation. I thought this was a mistake so I called and spoke to a supervisor and he said when the loan was ready to fund the software kicked it out. I could apply in a few months. He then asked me how much money I make, I told him I am paid weekly and monthly. At that point I figured not all of my correct income was entered, because I make exactly what I stated and faxed in. I think the issue was they entered my weekly pay but my monthly is XXXX as much. I called back to speek to someone and was suppose to get a returned call and once again no call. I emailed again once again no reply- I feel like if you tell someone XXXX hours and take a week - then tell them they are approved- then have them sign the loan agreement- then tell them they will find that night. Then you simply send them and email saying you went from approved to declined when nothing changed and everything was accurate. They deserve atleast a returned phone call after they wasted XXXX days waiting and doing everything that was asked. Most importantly I do n't feel like a business should ignore there customers! I am wondering if it is a legitimate company or not now that they have all of my information!
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| 06/06/2016 |
Yes |
- Debt collection
- Payday loan
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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First off, this is a predatory lender offering quasi-payday loans.
It has lied in its response to CFPB : " Let 's start from the beginning, borrower has not responded to a single call or email EVER. '' You never responded to my e-mails about Alabama usury law. Company only kept trying to debit a closed bank account, causing NSFs.
" A loan was taken out in the amount of {$2000.00}, fully explained the rate and terms. '' A bald-faced lie! This was a bait and switch process. Terms only divulged when the loan was finalized.
" Under Alabama Law, only loans under {$2000.00} are covered by usury. Our Alabama license allows Argon to charge the rate we choose depending on borrowers credit. '' I have a Phd in law. Please reread the law -- up to {$2000.00}. Of course, scammers know best.
" Adding up all the payments borrower has made equals {$1900.00}, less than the initial balance. she has {$75.00} in unpaid NSF, and {$120.00} in unpaid late fees. '' Bald-faced liar, again. The principal of the loan has been paid.
" Not sure how she believes this is paid off, even if we were to give her an 8 % rate she would owe more than {$2000.00}. '' What kind of interest rates are you offering? Usury and predatory interest rates.
" Borrower HAS to contact us by EMAIL to resolve this, as the complaints to CFPB are not the solution. We have no problem working with borrower, we just need to talk to her. '' Consumer has engaged an attorney and will have my attorney contact you. What about violation of FCRA? There is definitely a violation?
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| 01/17/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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Took out this loan with Argon Credit back in XXXX 2015 to cover medical expenses for my husband. The application stated the interest rate would be no more than 5 % when consumer applied ; however, the interest rate was not revealed until the final signing of the loan. Consumer discovered the interest rate was 89 % on a {$2000.00} loan. This is in violation of the Usury law of the state of Alabama. Consumer has made a previous complaint with CFPB about Argon Credit, and the interest rate was decreased to 79 %. Consumer has made XXXX payments of {$190.00}, totaling {$1500.00}, but the balance is showing {$1600.00} with the majority of the payment going toward interest. Consumer disagree with this balance. Under Alabama usury law, the balance should be {$470.00} because the interest rate charged by Argon Credit is in violation -- balance due {$2000.00}, only. The balance increases enormously every month instead of decreasing. Argon Credit is using Private Payment Services to debit my account, and when consumer calls, XXXX XXXX XXXX refuses to give a payoff balance. The phone reps go into great lengths to avoid giving consumers this information. I have contacted Argon Credit several times about this interest rate violation, but just sends out a generic response.
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| 01/16/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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I applied on XXXX XXXX online at Argon 's Credit Website. I was offer an approval for 20 % interest/ APR. I signed the document via electronic signature and submit all documents the same day. As I went through there application process, they used XXXX XXXX XXXX Bank XXXX XXXX to scan peoples bank account activity for 90 days. It asked for my online banking credentials. Uncomfortable giving sensitive login information online, I gave them my past 60 day bank statement. During this time, I have been very patient with this company. They state approval and verification takes " 48 to 72 hours ''. It had been almost 2 weeks. I 've given my last 60 days bank statements, XXXX and XXXX Tax Return, XXXX paystub periods, My Driver 's License ID, and a copy of my Personal Check Voided I recently received a call that I was going to be funded and it would take " another 48 to 72 hours ''. I await 3 days. I check my account and funds have not been disbursted. I call them again and they state it would be another 5 business days for funds to transfer. Please keep in mind my contract was signed on XXXX XXXX. My first payment is due XXXX XXXX and I still have n't recieved my funds in my bank account.
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| 06/02/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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I applied for a loan with Argon Credit on line. I was ask to submit documents to verify identity, employment etc. I submitted all requested documents and was informed a decision will be made in 2 days. After 2 days they approved my loan for XXXX and sent me XXXX sign form to sign and send back. I signed the form which is binding and sent back. Later I was sent an email that I had been denied after they had approved me and obtained my signature. I call and spoke with a lady name XXXX who was rude and very unprofessional. Never heard of a financial company approving you for a loan get you to sign documents then reversing there decision but holds the loan documents with my signature. I would like legal advice on how to handle this matter my application could have been denied before I signed my signature. I still the signed documents in my email. Something is not right.
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| 01/26/2016 |
No |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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Company " Argon '' refuses to update my information on website, refuses to state name via email but constantly request personal Identifying information, plays games like sends me emails regarding programs but removes and or no longer offers programs 3 days later, refuses to forward me to upper management, headquarters, ceo 's, XXXX, refuses to verify information regarding my account in writting, claims they do n't, refuses to fix my account allowing me to pay on time, instead, I cant pay online causing loan to be late, I wont call in because representatives are rude and I demand a receipt as well as confirmation in writting via email or mail, because of my previous experiences and my demands, argon associates, and representatives are ritaliating by not allowing me to pay online after I have sent proof of all violations/allegations.
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| 10/13/2015 |
No |
- Consumer Loan
- Installment loan
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- Shopping for a loan or lease
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Web |
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At first it was pleasant smooth and an easy process I was told at XXXX that everything was finished and that I would receive my funds in 24-48 hours when I called about a confirmation email I was told at XXXX that my status was changed to decline with no reason why and when I explained to them about earlier conversations they claimed they had no record of approval for me when I tried asking for a supervisor none were there also the XXXX people that told me I was funded when I tried contacting them the mailbox was full XXXX I recommend you stay away from this company as they are a scam and play with people 's emotions
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| 12/29/2015 |
No |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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XXXXARGON is indicated I opened a loan with them ; however, I have never opened an account with that company. They have not helped me verify the loan, and they continue to report it to XXXX. Additionally, they indicate the loan was opened in XXXX 2015 ; however, the loan is now indicated as late 31-60 days and it started to appear as of XXXX XXXX, 2015. This is how I found out about this loan and subsequently contact XXXXARGON. To-date, they have refused any form of help to resolve this fraudulent account.
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| 01/13/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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I recently applied for a loan with argon credit corporation for XXXX. I was approved, in a funding status and signed a contract to repay the loan. After a few days they never deposited the money into my bank account I called this loan company where my money was and they said they had a freeze on all loans and they would expedite my request to get my money. They later came back and denied my loan breaking their end of the signed contact and did n't give me my money.
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| 06/14/2016 |
No |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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This account is paid in full and verified by XXXX as paid in full on XXXX XXXX, 2016 ; however, the creditor a month later reported inaccurate, bogus balance information and late payments on my XXXX credit report. I disputed, again, with XXXX a month ago, and just today, XXXX XXXX, 2016, XXXX deleted the bogus item from my credit report, but Argon Credit reported this bogus item to XXXX, today, in retaliation.
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| 06/23/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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All of a sudden they have quit taking calls and e mails and will not offer any assistance. They have another company doing there billing now but not services. I am being charged XXXX points over the intrest rate I signed for. I asked to have my loan refinaced for a lower intrest rate and they can not do it at this time because of money issues????? I call XXXX number and get someone on a cell phone...
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| 06/14/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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I paid off my loan in full and they are reporting I still ow the full amount to XXXX. I filed a complaint with XXXX but the company is not responding and delaying the resolution meanwhile lowering my credit score, which they in turn used to deny me a new loan.
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| 01/10/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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| 06/13/2016 |
No |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Referral |
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| 04/22/2016 |
Yes |
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- Applied for loan/did not receive money
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Phone |
Servicemember |
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| 01/25/2016 |
No |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Phone |
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| 11/14/2015 |
No |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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| 11/04/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Shopping for a loan or lease
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Web |
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| 10/16/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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| 10/14/2015 |
No |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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| 10/06/2015 |
No |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Phone |
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| 08/13/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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| 06/21/2015 |
Yes |
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- Payment to acct not credited
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Web |
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| 02/07/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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