Armed Forces Loans of Nevada Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/27/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	MD 20745	Web	Servicemember
I took out a loan with a company Called Armed Forces Loans of XXXX. I was active duty military at the time and I was in need of a loan due to unexpected expenses. I received an approval through Armed Forces Loans of XXXX. At the time I was just excited to get approved for the funds that I need, but as time went on I realized I was in a much better situation without the funds from this company than before I made contact with this company. I was charged interest rates upwards of 34 % which I know now is not allowed for XXXX military members for an interest rate to be so high it should be maxed at 6 % ( due to laws such as the SCRA etc. ), this interest rate is also not allowed for the state of XXXX Residents. I was also not aware that this company may not even be allowed to lend to Maryland residents due to not being licensed in the state or not following the XXXX interest rate guidelines. This company has left countless remarks on my credit report in order to get this debt collected and it has become very damaging to my credit profile. I am willing to take full responsibility for the debt and I would like to get this account settled but only if this is indeed legal account ( loan ). I would like to request the company send me : A copy of my full account statement ( Loan Amount and Terms ( signed by me ) to include interest and fees ) which have never been provided by the company and are not available on my online account. Also I request the company send me their License information that grants them authority to lend in the State of XXXX and or to XXXX Residents. Any other relevant documentation to prove this company has the ability to lend to myself. While this process is ongoing I would like Armed Forces Loans to remove all account information ( collection accounts, derogatory remarks etc. ) and to cease collection attempts. It has been brought to my attention that I may be a victim of deceptive lending or predatory lending and if this is the case due to what has been listed above then this account should become void. It makes this very suspicious when they do not want to reveal original documents or provide certain proofs that are required by law. Upon the Company receiving this complaint I wish that if I am wrong about any of the above mentioned that they will not show any type of retaliation efforts and cause more damage to my credit than they already are. I am just a concerned consumer that wishes to verify my rights. I do not wish for Armed Forces Loan to contact me until they can provide what was listed about as I do not want to be put in a more stressful situation than this already is.
06/20/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	NC XXXXX	Web
I applied for a loan on Monday XXXX XXXX, started my allotment on XXXX XXXX. I called the company several times on Monday the XXXX and Tuesday the XXXX asking if there was anything else needed and they kept saying no. After several hours of no movement of my application I called back again on both days and then they would tell me something else is needed. The company fails to reach out to costumers basically not trying to help expediting the process. They constantly prolongs the process. This company had terrible reviews. Every review they have is bad and I didnt notice that until after I got involved with them. My loan was finally approved on Tuesday XXXX XXXX at around XXXX XXXX EST on the online site. The status stated funded. I talked to a lady named XXXX who told me that the money has been released to your bank on Wednesday and I would need to wait 24-48 hours. Now I fast forward to XXXX XXXX Friday and I still have no money. I call and email and they tell me the same thing 24/48 hours and at the point Im past 72 hours. Today is Saturday XXXX XXXX and I still have no money. The company isnt replying to my emails when I call they give me the run around. They tell me what I wan na hear but they are doing nothing. My mother has been evicted because she cant pay her rent, shes XXXX and this loan was for me to help her. I needed the money by Friday the XXXX which was plenty time for the company to fund me but they have failed seriously. Ive contacted my personal back 3 times and they told me that there is no pending deposits from anywhere. My bank asked me to get a trace number for my loan. I asked armed forces for the trace number and they told me there was not a trace number. I think this company is scamming people. They owe me {$2200.00}. Please help me hold this installation accountable for the mistreatment of customers. It seems as if they dont care about peoples needs and they dont put a sense of urgency on anything. They just prolong the process and go home and dont contact anyone about anything furthermore, their office is closed all weekend so if u dont get anything during the week you are XXXX until Monday. In my case I never got any kind of answer about where my loan is and now Im left with no money for the entire weekend and there is nothing I can do about it. They are closed there is no after hours line, there is no emergency line or anything.
03/09/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NC 28214	Web	Servicemember
I have been actively disputing an account with Armed Forces Loans for quite some time now. I recently began cleaning up my credit and notice, AFL was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, XXXX, XXXX, XXXX and AFL verified the inaccurate data using XXXX and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show AFL was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, AFL updated my credit file as of XX/XX/XXXX, closing the account rather than deleting it, and again with inaccurate data. XXXX is reporting Highest Balance as {$0.00}, 88 % left to pay on loan and XX/XX/XXXX days late as XX/XX/XXXX, other files show {$4000.00} with 67 % left and XX/XX/XXXX days late as XXXX. Instead of correcting the data, AFL chooses to harm my credit file with XXXX, XXXX, and XXXX assisting by continously validating inaccurate data. Please remove from my credit file.
02/22/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 32514	Web	Servicemember
I originally took out a loan with Armed Forces Loan and hit a rough patch and was unable to make payments. I contacted the company and made arrangements for a ONE TIME {$300.00} payment in XXXX and I told them I would contact them again the following month to arrange another payment. In XXXX I was unable to make a payment and in XXXX I noticed an unauthorized transaction from AFL on my bank account. I contacted my bank to reverse the charge and then contacted my legal office at my XXXX. I was advised to take legal action due to me not authorizing the transaction. I contacted AFL and made them aware of what they would possibly be facing and they quickly reversed the charge. Since XXXX up until now I have been making making payments of {$190.00} towards my outstanding loan but AFL again refuses to do their part. They are still reporting my payments as late monthly even though I have n't been late since last year. My payment of {$300.00} is n't reported on my credit report. I will be moving forward with legal action because I 've been burned by this company many times. They take advantage of customers & do n't execute proper reporting to credit bureaus. I have statements of payment included in this complaint as we as an email stating my most recent balance which is reported incorrectly as well.
06/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29223	Web	Servicemember
I had a loan with Armed Forces Loans. I fell upon hard times and missed a payment back in XX/XX/XXXX or XX/XX/2018. I made that payment the following month and continued on schedule making the payments as I was scheduled to. Armed Forces Loans continued to mark me as having late payments when they were paid via ACH on the due date monthly. When it came down to my last 2 payments. I made the payment in XX/XX/XXXX and when I contacted XXXX ( I am military ) they stated for me to get clear guidance from the company on what was owed before I made the payment. Before I could get that resolved the company drafted my account without my consent and took the last payment out in XX/XX/XXXX. That payment has not been reported to the credit bureau but they have reported me again as having a late payment even though they have my money. They contacted me onXX/XX/XXXX stating I had a balance of {$15.00} for a late fee. This company seems to scam, access peoples accounts without their permission and not report accurate balances.
07/09/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	VA 238XX	Web	Servicemember
I have been a customer of Armed Forces Loans for a period starting on XX/XX/XXXX until XX/XX/XXXX. I was never late in the beginning I could refinance my loans after I reached a certain point of paying my loan down. I had a disagreement with two of there employee 's and since that time I have been denied for several different reasons why I could reapply this has gone on for at least two years every time they denied me. They have totally blocked me from getting any loans based on my credit I had the same credit the first time I applied I have a 5 year history with this company now I the bad guy. I know they have violated my Constitutional and Civil Rights by discriminating against me with false reason. There next denial was today after they told me I had to wait until XX/XX/XXXX which was a year long wait to just apply.
07/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89701	Web	Servicemember
The company reported to both XXXX and XXXX that my payments were late ' twice by 30 days for XX/XX/XXXX and XX/XX/XXXX, then 90-119 days late for XX/XX/XXXX, and finally, 60-89 days late for XX/XX/XXXX. I reported a dispute directly to the credit reporting agencies which did not help the situation. My complaint is as follows : 1. My account balance was current for the months of XXXX and XX/XX/XXXX. I had payments clear, plus my account was current in the month pf XX/XX/XXXX which is showing as " no data '' on my credit report. 2. My account was not delinquent by 90-119, I was current for XX/XX/XXXX and made a payment early XXXX ( XX/XX/XXXX for {$400.00} ) that cleared. XXXX. I spoke with a company representative and asked for COVID impact relief to which they said they would not offer.
04/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33324	Web	Servicemember
In XX/XX/2013 I applied for a XXXX loan from Armed Forces Loans. The loan was conditionally approved pending verification of XXXX XXXX XXXX. After my XXXX informed the loan representative of my pending medical retirement from the XXXX XXXX XXXX the loan offer was rescinded. Loan proceeds were NEVER sent to me and the contract was supposed to be voided. According to Armed Forces lending policy any servicemember in a pending discharge status can NOT receive a loan. I did not receive any money from Armed Forces Loans. However, this company is reporting inaccurate fraudulent information to the credit bureuas. This loan is showing as an unpaid deliquent debt on my credit and it should not be. The loan offer was rescinded and XXXX NEVER received any funds.
06/16/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	LA XXXXX	Web	Servicemember
To whom it may concern I was XXXX XXXX military doing loan terms and requesting Louisiana Servicemembers Relief Act benefits ( SCRA for the state of Louisiana ). Try to resolve issue my self to no progress. I was told by my JAG to file a complaint. I was a customer for numerous years of Armed forces loans with interest rates above 6 %. I was stationed in XXXX XXXX, La from XXXX to XXXX then again from XXXX to XXXX.Any help with receiving my benefits would be greatly appreciated. I have been awarded the Louisiana SCRA by several other agencies already. Armed forces loans will not comply. See Louisiana interest rate law below.interest was charge but was not noted on any of my statements.
10/27/2015	No	Consumer Loan Installment loan	Managing the loan or lease	VA 23601	Web	Servicemember
Armed Forces Loans of Nevada I contacted them told them I am retired unable to pay. They ignored the situation. Also they keep doing hard inquiries into my credit when I did not give them permission to look on my credit report they do not have authorization. They also failed to abide by the soldier sailor relief act. They are scam artists charge high interest rates and should not be allowed to lend to XXXX ARMED FORCES retired or otherwise. Please force them to remove the hard inquiries and remove all bad reporting.
11/24/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 79924	Web	Servicemember
Armed forces loans continues to report the loan as late even though the under the terms of the loan the final payment due date was in XXXX. Instead they are reporting a missed payment for XXXX XXXX, XXXX XXXX, etc including all month untill now it currently states that I recently missed XXXX and XXXX XXXX payments. I 'm an attempt to resolve the issue they refused to put offers in writing so they could attemp to collect more.
12/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 809XX	Web	Servicemember
On XX/XX/2018 and XX/XX/2018 I called Armed Forces Loan and express some concerns on how I was showing 30 days past due multiple times on my credit report. I spoke to XXXX XXXX and was to it would be taken care of. Still to this day I am still showing delinquent. I asked for another loan and was denied because it stated I had a sufficient change in my credit score and the reason why is because of how they are reporting.
08/19/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CT 06514	Web	Servicemember
This Company ArmedForcesLoans is practicing unlawful practices that includes …1) Collecting interest, fees or additional charges on top of the amount owed that is not authorized by the agreement when creating the debt.2) Returning to sender Mail sent on my behalf by credit services Lawyers.3. Refusing to answer disputes so I cant open another4, Refuse to accept my XXXX XXXX XXXX XXXX status that would forgive my loan
07/23/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	NJ 078XX	Web	Servicemember
I was approved for a personal loan with ARMED FORCES LOANS OF NEVADA and discovered a lot of unethical business practices and fees. The company assesses an ADMINISTRATION AND ORIGINATION FEE is 75 % of the loan. I was funded XXXX which included an administration fee of {$1000.00}. There were some other fees assessed, but I believe this company is taking advantage of MILITARY SOLDIERS.
04/25/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	FL 32514	Web	Servicemember
Armed Forces Loans has contacted my XXXX ( XXXX XXXX XXXX ) & gave information on an alleged debt. They also contacted me at work on 3 different occasion via phone stating the company name & other information on the alleged debt after I informed them the 1st time I was n't aware of a debt. The person who attempted to collect was a XXXX XXXX.
05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 283XX	Web	Servicemember
Filed a complaint on XX/XX/2022 with the CFPB stating that there is no bankruptcy on my consumer report and this account with Armed Forces loans shows under wager earner plan. Armed Forces responded and said they would remove the account within 5 business days from their response. As of today it's still there and they haven't removed it.
08/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32578	Web
I am filing this complaint on my own behalf. After reviewing my credit record, I came across late payments that are erroneous. Despite sending letters more than 30 days ago, I have not received any response, nor have they provided satisfactory validation. I kindly seek your assistance in resolving this matter promptly.
03/25/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AP XXXXX	Web	Servicemember
This company used similar predatory practices that XXXX XXXX used. Service members were informed they have to make their payments via allotment which caused excessive fees at the expense of the customer.
03/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94544	Web	Servicemember
I paid off my loan in 2012 and Armed Forces loans is refusing to remove it off all three credit reports. I told them credit agency is saying the company needs to remove it.
10/06/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	LA 70737	Web	Servicemember
I am a federally protected consumer and Armed Forces Loans has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
05/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 283XX	Web	Servicemember
On XX/XX/2022, Armed Forces Loans said it would remove and expunge an account that is showing my credit report as included in bankruptcy.
11/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92040	Web	Servicemember
I would like to apply XXXX benefits but was denied. Im from a key provision state Louisiana and can show proof but they won't honor it.
07/08/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70737	Web	Servicemember
AFL failed to give me proper validation of this debt. I mailed AFL a debt validation request on XX/XX/20 certified mail # XXXX.
04/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 283XX	Web	Servicemember
Accounts show wage earner plan and included in bankruptcy but no bankruptcy exists on my consumer report.
11/22/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	VA 23518	Web	Servicemember
I was suppose to get a discount and my apr to drop, but they never did. I am being charged a high apr
01/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 38778	Web	Servicemember

07/14/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	WA 98501	Web	Servicemember

03/15/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AZ 85396	Web	Servicemember

03/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33435	Referral

03/05/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	CA 92124	Web	Servicemember

02/27/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	LA 71118	Web	Servicemember

10/19/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	FL 33435	Web

09/15/2021	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	SC 29212	Web	Servicemember

04/22/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	AK 99701	Web	Servicemember

04/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23453	Web	Servicemember

08/25/2017	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	TX 79938	Web	Servicemember

07/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23604	Web	Servicemember

02/20/2015	Yes	Payday loan	Can't contact lender	MD 21286	Referral