Atlas Credit Company, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/10/2021	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 767XX	Web	Older American
A follow-up to my previous CFPB Complaint : # CFPB Complaint # XXXX. ( I wish you had not closed this out prematurely. It has not been resolved, and I replied to their reply that they lied and it was unacceptable, BUT you had already closed it out ). So your " complaint reporting model '' is flawed because it does not allow the consumer to later add IMPORTANT INFORMATION that occurred later ( today - XX/XX/XXXX -in fact ). But here we go with NEW additional Evidence that this company LIES and CONTINUES TO BREAK FEDERAL LAW! Four parts : ( 1 ) My original complaint ; ( 2 ) The company 's response that they had ceased communications ( 3 ) My reply that they lied and ( 4 ) PROOF OF CONTINUED CONTACT!! ( which proves their reply was a lie *AND THAT THIS COMPANY CONTINUES TO VIOLATE THE FDCPA AFTER RECEIVING A " CEASE AND DESIST '' LETTER.! * ( 1 ) MY ORIGINAL COMPLAINT : I borrowed {$700.00} from Atlas Credit Company , Inc., XXXX, on XX/XX/XXXX. The monthly payment due is {$98.00} for 11 months. I had previously borrowed from them and in less than a month, I REPAID THEM IN FULL. But I borrowed again later, and this time I can not make my payments, and I do indeed owe them their money. That said, the Branch Manager XXXX XXXX continues bombard me with collection letters, EVEN AFTER I sent them this letter : XX/XX/XXXX Atlas Credit Co. , IncXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To XXXX ( or to Whom It May Concern ) : I borrowed {$700.00} from you. I am unable to repay any of it. I do not have a telephone whatsoever at this time ( mine broke ), and do not know when - or if- I will be able to afford one. My references for the loan are being constantly pestered. In accordance with the " Fair Debt and Collections Privacy Act '' : 805. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. This is your written notification that I want you to cease further communications with both me and all of my references. I will report any and all violations of this law by your company to the appropriate agencies, from this point forward. I am sorry this has happened, but this is the situation that I find myself in. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX She is violating federal law in that she is required by law to now either tell me they plan to sue me or write off the debt. I am sick of this and her company should be reprimanded for their illegal actions. ( My telephone broke and so please contact me by my email address : XXXX. I have not yet replaced the phone, BUT it is NOT due to my trying to avoid collection calls ). ( 2 ) COMPANY RESPONSE : We have upheld the requests made by the consumer within the cease & desist request when we received it on XX/XX/XXXX. Per the cease & desist letter, we ceased collection calls and field visits in XX/XX/XXXX. We can not speak to the timing of further steps that may or may not be taken against the consumer. When further actions are set to be executed, we alert the consumer. We stand ready and willing to help the consumer during this situation in any way possible. ( 3 ) MY FEEDBACK : THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS Absolutely Incorrect! Branch Manager " XXXX XXXX '' sent me " ANOTHER ATTEMPT TO COLLECT '' letter within the last few days!! So No- whoever wrote my reply back is incorrect or a liar. And that is just a fact. I suggest they QUICKLY contact her to stop harassing me! Otherwise, I will continue to complain about Atlas Credit violating Federal Law by reporting this through other federal agencies. XXXX XXXX XX/XX/XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT Yes ADDITIONAL COMMENTS ( See my response above ). They are not allowed by law to continue harassing me. Their reply says they have stopped, yet they have not. -XXXX- THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINT No ADDITIONAL COMMENTS NO! I quoted the FDCPA section regarding " Cease and Desist '' when I notified Atlas Credit. The answer to this question would be " Yes '' instead of " No '', except Atlas Credit CONTINUES to communicate with me in a harassing manner. They need to contact their XXXX, TX branch manager and tell her to stop. Then, in accordance with the FDCPA, they have the right by law to contact me and inform me of their intention to sue, write it off, etc. But only THAT form of communication is allowed by Federal law. -XXXX- ( 4 ) ANOTHER LETTER RECEIVED TODAY ( XX/XX/XXXX ) FROM THE SAME BRANCH MANAGER! ( Please see attached )!!!!
06/29/2023	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 Difficulty submitting a dispute or getting information about a dispute over the phone	TX 76116	Web
To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number that is listed in the supporting document attached Please provide me with : 1. What the money you say I owe is for. 2. A detailed explanation of how you calculated what you say I owe. 3. Copies of any and all papers that prove I agreed to pay what you say I owe. 4. A verification or copy of any judgment, if applicable. 5. The identity, name, and address of the original creditor. 6. Proof that the Statute of Limitations has not expired on this account. 7. Proof that you are licensed to collect in my state. 8. Your license numbers and Registered Agent or Agent of Service. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX ) request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards,
07/23/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 78227	Web
My mother took an unsecured personal loan with ATLAS CREDIT in XXXX XXXX, Texas. In XX/XX/2020 she became XXXX due to a XXXX XXXX XXXX condition. She made XXXX, XXXX, and XXXX Payments with her last two work checks. In XXXX she spoke to ATLAS CREDIT and told them her financial situation and medical condition. She informed them that she no longer had an income and was awaiting response from a social security application. Atlas asked if they could call back in a week to see if the situation has improved. These weekly calls were amicable for about a month. After that, atlas started to call every reference my mother had on her list repeatedly. And when my mother asked them to stop her references because she wasnt hiding from them, she had been upfront and made them aware there was no money. Then my mother was bombarded with calls, voicemails, and text messages from Atlas. She received letters and once again explained in written form that she didnt know how she was gon na pay rent, or utility bills, more importantly how was she gon na pay for her dr visits or medications. That that she has closed accounts at atlas before but this was a circumstance that was out of her control. She told them that calling her repeatedly was embarrassing for her. She asked in written form to proceed with next steps and to stop calling and sending letters that stated you werent forced to get this loan so you need to take care of this matter. Again, how can she pay when she has XXXX income. You cant get blood from a turnip, come on atlas! My mother has to move in with her own mother she didnt have to worry about rent. Atlas has started to come to her previous address on 4 separate occasions, after the second time the owner of the home called atlas and told them The person they were looking for has moved. They ame a third time 2 days ago and the owner called them again told them the same thing and asked not to come back because it has been made clear to them that the person they are looking for has moved. Guess what Atlas went to the same address again today and they were told again the SHE doesnt live at this address any more. This company has basically harassed my mother and now are harassing my cousin who now is renting at her previous address after they have been asked several times cease communication because my mother is trying to survive and live through her medical affliction and a {$130.00} payment is last on her list of worries at this moment. Funny thing is she used to recommend ATLAS CREDIT to others and now Im telling everyone I know to not go to them for any loans. I told my cousin to file a complaint as well because hes told them my mother has moved.
11/22/2021	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 767XX	Web	Older American
I borrowed {$700.00} from Atlas Credit Company , Inc., XXXX, on XX/XX/XXXX. The monthly payment due is {$98.00} for XXXX months. I had previously borrowed from them and in less than a month, I REPAID THEM IN FULL. But I borrowed again later, and this time I can not make my payments, and I do indeed owe them their money. That said, the Branch XXXX XXXX XXXX continues bombard me with collection letters, EVEN AFTER I sent them this letter : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX To XXXX ( or to Whom It May Concern ) : I borrowed {$700.00} from you. I am unable to repay any of it. I do not have a telephone whatsoever at this time ( mine broke ), and do not know when - or if- I will be able to afford XXXX. My references for the loan are being constantly pestered. In accordance with the " XXXX XXXX and Collections Privacy Act '' : XXXX. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( XXXX ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( XXXX ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. This is your written notification that I want you to cease further communications with both me and all of my references. I will report any and all violations of this law by your company to the appropriate agencies, from this point forward. I am sorry this has happened, but this is the situation that I find myself in. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX She is violating federal law in that she is required by law to now either tell me they plan to sue me or write off the debt. I am sick of this and her company should be reprimanded for their illegal actions. ( My telephone broke and so please contact me by my email address : XXXX. I have not yet replaced the phone, BUT it is NOT due to my trying to avoid collection calls ).
07/02/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 75098	Web
I mailed a payment of {$110.00}, check number XXXX, dated XX/XX/2020 for my payment due on the same day. The check was lost in the mail, as I mailed it to an old address, and was not notified by the company, Atlas Credit, that they had moved to a new address. I informed the worker at Atlas Credit that I would come into the store and make the payment in person. So I drove to the old location, only to notice that there is a new location when I got there. I called the store, and at this point the worker gives me the new address. I make the payment due XX/XX/2020 with replacement check number XXXX in the amount of {$110.00}, dated XX/XX/2020. I had another regularly scheduled payment due on XX/XX/2020. On or about XX/XX/2020 a worker from the store calls and informs me that I have a payment due and asks when I would be making it. I replied, I dont know. The response was not sufficient to the worker and they told me they would call everyday until I made the payment. For the next two plus weeks, I got a call every business day from the store ( as identified on my caller id ). Each time I did not answer the call. On XX/XX/2020, I mailed check number XXXX in the amount of {$110.00} for the payment due XX/XX/2020. On or about XX/XX/2020 the collection phone calls from the store ceased. My presumption is that they received the check payment. On XX/XX/2020 I called the store to ask whether they had received the check mailed on XX/XX/2020 and to get the loan payoff amount. The store worker advised me, much to my chagrin, that they had not received the payment. Very odd, to say the least, considering the store worker had previously harassed me on a daily basis ( prior to me mailing the check ), as she pretty much said she would. I personally feel that, based on the circumstances, the check mailed XX/XX/2020 was not lost in the mail, but rather it was received by the store and PURPOSELY being held and not applied to my account, so as to negatively affect the credit reporting. Rather than take a chance on the negative credit reporting, I decided to personally deliver a cash payment of {$250.00} and some odd cents to the store to pay off the loan. In summation, this company is engaging in unfair, scrupulous and deceptive practices.
07/27/2021	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 78504	Web
I entered into installment agreement with Atlas Credit Co. Inc. last XX/XX/2018 with the loan of {$500.00}, with the high yield steep interest rate of 99.85 % that was beyond of the usurys states and national consented annual percentage rate. I sent a written letter to Atlas Credit Co. Inc. to their XXXX , Texas as well to their corporate office in XXXX , Texas , in order to notify them about the future blank checks they asked that was not in their policy to the contract I signed. Atlas Credit Co. Inc. have collected advance blank checks from me for my monthly payment. The checks I signed and gave them were to be cashed only after their agent having called me. Advanced checks I have given to Atlas Credit Co. Inc. were compromised and my bank, XXXX have to close my account at the time checks I have given them were blanks and without dates that I never authorize them to write dates. It is seriously flawed and causes substantial harm for me due I am now facing criminal charges in that they wrote dates on my blank checks without my approval. After the attempts of notifying them through certified mail return receipt no. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX in my attempts to communicate in assisting me restructure my installment loan were in vain by Atlas Credit Co Incs representatives before the scheduled withdrawal date. After Atlas Credit Co. Inc. uncooperatively responding in solving my willingness to repay instead they have submitted to the Hot Check Division. The consequences of their acts were invasive in lieu of resolving these issues with me personally, as consequences of After Atlas Credit Co. Incs false pretenses of the real story.
07/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29115	Web	Servicemember
I do not recognize having any agreement with ATLAS CREDIT COMPANY and i am not liable for these accounts, This alleged debt is not mine i never enterted into signed agreement or completed an original contract with ATLAS CREDIT COMPANY .This inaccurate collection NOT MINE.I never provided any written consent or premissible purpose for this allege creditor to report on my credit report .I Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted
07/07/2018	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	TX 78223	Web
I had an installment loan with Atlas Credit Company , Inc that was opened on XX/XX/XXXX for {$550.00} with monthly payments of {$64.00}. This account was settled and paid as agreed in XX/XX/XXXX. On XX/XX/XXXX Atlas Credit Company falsely reported an account with their remarks " included in bankruptcy- acct closed due to refinance '' remarks that account is included in bankruptcy is inaccurate because I have never filed bankruptcy as it clearly will show in my credit file. The account that I had with Atlas Credit Co. was paid in full as of XX/XX/XXXX and has a XXXX balance. I contacted Atlas Credit on XX/XX/XXXX XXXX XXXX and spoke with XXXX XXXX, CFO for company about this and he disclosed to me there was an error with their reporting system and the company was currently working on getting it corrected. I filed a dispute XXXX XXXX and XX/XX/XXXX and the investigation results are the account was verified as accurate by Atlas Credit and remains in credit file. On XX/XX/XXXX I emailed XXXX XXXX regarding dispute investigation results. He sent me an email with the attached PDF for the Correction Form that was submitted to XXXX & XXXX on XX/XX/XXXX after the issue was resolved with the reporting company and he said Once this form is submitted to the bureaus, it is then on the bureaus to properly update their records to match our correction form. The account is showing that I have filed bankruptcy and is showing an adverse delinquent account. I have given both XXXX and XXXX XXXX more then enough time to get this corrected and it has yet been done.
11/17/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 78520	Web
Hello so I have a personnel loan open at a local branch near me. Along with that loan I had other credit cards and loans that affected my credit that were past due. I decided to go with a consolidation program to help me pay off everything. Obviously this loan company called Atlas Credit called me for payment I nicely advised them of what I did they advised me they dont accept those kinds of programs. I advised them I will get back in touch with them. I called my debt program they advised me companies tend to say that so they dont lose money. They advised me they do work with that company and have done so in the past. A day passed by and again I receive another call I advised them again that the debt program will contact them in regards to payment. Later that same day I decide to call corporate because I dont stop getting calls they advise me they will contact the local branches supervisor to let her know I dont want calls nor them coming to my house all that is against federal law and if they want to inform me of something they can send it via mail. Later on that day the supervisor calls me and she insists again in payment she tells me they dont accept the program I advise her I dont want calls to mail me whatever she needs to tell me she said in my contract I supposedly signed to be contacted via phone. I have repeatedly advised them to stop calling me I am not approving them to call me. These arent even reminders anymore its more like harassment because I have advised them of what I am doing already.
10/30/2023	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 79904	Web
On XX/XX/2023 i asked to not call my references, then on XX/XX/2023 my references were called again. On XX/XX/XXXX a associate named XXXX showed up to my place of employment, called her manager on a cell phone put him on speaker, and I advised again to both of them not call my references, to not come to my job or call my job, and to not show up to my home. On XXXX XXXX showed up to my work again around XXXX, she didn't speak to me she spoke to a customer at my work stayed for about 20-30 min, and left. That same day XXXX about a hour from when she left my job around XXXX XXXX my cell phone is called ( I'm still at work ) assisting the customer she spoke to, and then right after the missed call to my cell, my work phone number was called at XXXX XXXX and the call was disconnected. On XXXX i sent a complaint via online On XXXX my references were called once again after i asked 3 times to not call, as well as the reference stating they wasn't supposed to call. XXXX ( same day my references were called my work is called also ) ( my is manager very upset that they called ) she had to verbally tell them to not call the business once again. On XXXX i had no choice to send via text ( the number they call and text from me from ) a Cease and Desist letter, and i will send a physical copy to the store location as well. I have all calls and visits with date and times if needed. The frequent calls to references, my work, and job visits is affecting my work productivity, position, and mental health.
05/12/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 77090	Web
I have received numerous amounts of calls DAILY since XXXX / XXXX / 17 at both my place of employment and personal cell. I stated to the employees ( XXXX and XXXX ) and a gentleman, that I would pay it on Friday XXXX / XXXX / 2017 , but unfortunately not able too. I called left messages that I would pay it when I could as I was always working late and they were closed and were n't open on weekends also, being in and out of the hospital. Today XXXX / XXXX / 17 , the gentleman stated very rudely that he was calling me to collect his money and I stated to him that I was going to complain about them due to them harassing me at work and he stated they do that to everyone and I informed him that was stated in the contract that I signed and by state law that they can not harrass people at their place of employment. He proceeds to tell me that he wanted to know the name of the law firm i was dealing with and that they were gon na send someone today to my job, and i stated to him if they did they would get arrested, The entire time XXXX , is in the background being very unprofessional and cursing and stating that noone was going to get arrested and just downright rude. I plan to pay them but when I have the funds to pay them, but I 'd rather pay another store then this store and they are very rude and need to be put out of business.
09/13/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK 743XX	Web
I cashed a check that was sent to me and was never contacted by the company. I finally got ahold of them and they were rude from the beginning. They changed to terms of the loan from the beginning I tried to explain to them that it was wrong and was told to just make my payments. I started getting emails and I sent them the original contract and the copy they sent me and told them I wanted it fixed. They did that and the rudness got worse the due date was changed. I explained I was not due till the XXXX of the month and a lady said nope that was changed your do on the XXXX or XXXX remember. I told her I would pay it on the XXXX and she told me it was to be made that day. I've reviewed many voice-mails and today I received a text message from XXXX saying " XXXX this is Atlas Credit. We have tried every way possible to contact you and work with you regarding the payback on this account and you have failed to respond or pay. So now we are texting you to inform you that we will be filing a judgement on this unpaid account. You have until XX/XX/22 to call or come by the office and get this account taken care of or we will be filing with the courts on XXXX " I refuse to call and be spoken to the way they do.
03/22/2023	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	TX 75082	Web
XX/XX/2023 at XXXX XXXX, XXXX from Atlas Credit located at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX physically came to my place of employment and then had to call my employer from the lobby because visitors are not allowed without an escort. I never gave permission for her to come to my place of employment or to call my place of employment. I sent her a text message and answered calls prior to today 's visit and stated that I would pay by XX/XX/XXXX and then when they said they couldn't wait that long, they said they could give me until today to make some sort of payment. I had my phone on DND because I was at work in a meeting and unable to answer their numerous calls that come through. They have called me from several numbers and even privately. She said she came to my job because my text message " didn't say much '' and that her calls are going straight to voicemail. I reminded her that per FCRA rules, she can not call or visit my place of employment. Since this is blatant disregard of the law, I would like this investigated. I have a recorded phone call as proof that she was physically in the office waiting on me to come down to speak to her.
01/28/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	TX 75024	Web
Filed an application on the line. Contacted the main number at XXXX ( XXXX ) XXXX spoke with a XXXX around XXXX she called me back in about 10-15 minutes to let me know I was approved for XXXX instead of the XXXX that I originally requested. She said they closed at XXXX but if I can get all my documents in before XXXX that she would call me back and get my direct deposit information. I called back at XXXX to make sure everything went in, XXXX answered the call and said no they couldnt get anything reviewed and get funds to me till Monday. Then placed me on a hold, she came back to say XXXX told me to wait til Monday. I told her once again thats not what I was originally told and if she would have said this from the start I would not have rushed home to get all the paperwork she needed in before XXXX. She placed me on a hold again then the Manager XXXX answered and said my application is now denied and I would get a letter in the mail for the reason. When I asked why they denied she said it was based off the documents I sent in less than 5 minutes ago. Im the middle of my sentence of asking for clarification XXXX disconnected my call.
02/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78572	Web
I missed my monthly payment, manager XXXX started calling my phone twice a day, and my work number at least once a day, manager started texting my personal number demanding payment right away, on XXXX/XXXX/17 a lady ( XXXX XXXX ) came to my residence to try and collect. I told her to stop coming to my house, she told me that was her job. I tried to pay but this person had no receipts to issue if payment was made. right after, I talked to XXXX via phone and demanded for them to stop harassing me. he told me that if I missed more payments he had all the right to contact me any way he wanted. I told him that it was ridiculous to send a person to collect without a receipt book, and he told me it was more ridiculous to missed my payments. At this point It was obvious I was talking to a person with zero management skills and I decided to stop our conversation. I told XXXX XXXX to stop calling me, and texting me from now on. he said he would keep calling if I keep missing more payments. I feel harassed and threaten every day by this individuals and their abusive tactics. Please help.
01/21/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	TX 76705	Web
I received a handwritten approval letter from Atlas Credit Co Inc after i contacted the company inquiring about the letter i received i was told by a rep to provide my personal information, before i was told that the letter was legit or not. I then provided the information requested and was told i would receive a call back. Once i received the call back i was told that i was denied but i was not given the reason for the denial on the phone but explained to them the handwritten letter that was received and what all it said and the approval amount for {$500.00} it was not a pre-approval letter but an actual APPROVAL LETTER but the rep still refused to provide me with the reason for the denial on the phone nor did she explain the approval letter that i received. I then tried to ask what was the purpose of the approval letter if they knew or had idea once i called about the letter that i would be denied. I feel that i am being scammed for my information, i am getting credit inquires on my report for this information after they run my credit and deny me.
04/03/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX XXXXX	Web
I got a loan with Atlas Credit Co., Inc. in XXXX XXXX Tx. I always made my payments but about 4 months ago my 7-year-old son was very ill. After about two months we found out he has XXXX and will most likely XXXX XXXX within the year. I can not afford to pay Atlas anymore. My son 's bills are killing me and I had a loss of time at work so I was not getting paid. I send a letter off to Atlas Credit Co., Inc. on XX/XX/XXXX to stop all calls and ask that I only be contacted by mail because I know I can't pay them back. I have told them this on the phone. They text me telling me they are going to come up to XXXX XXXX 's hospital to come to get money from me. I also have the text saved if I need to provide them. They call me three times a day they go by my home two times a week. I can a call today XX/XX/XXXX XXXX am after I know they received my letter because they send me a letter back. I can't pay them ... I told them to do what they need to do but at least stop all the calls so I can at least enjoy the little time I have left with my son.
01/23/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 76012	Web
Atlas Credit company, XXXX XXXX XXXX XXXX If I could give them a -0 I would, the manager XXXX fraudulently renewed my loan without my knowledge, I had to call corporate and report him, he lied till the end, First he said that the other man that worked their XXXX did it, then he called back and said it never happened, then when I contacted the Corporate people, he said that I told him to renew it over the phone which was a flat out lie, I never signed anything, and the sad part is, this is the second time it has happened to me, the first time I caught it before I left, this time I got home and caught it, there is no telling who else this has happened to, you need to check your accounts because they are so dishonest, the only person that I got a result from is the Corporate person XXXX, she helped get my account straight, I want to pay them off and never deal with them again!!!! XXXX YOU ARE A FRAUD AND A THIEF!!! ATLAS CREDIT ON XXXX YOU ARE FRAUD, AND I HOPE THE YOU GET AUDITED AND THEY FIND OUT WHO ELSE YOU SCAMMED!!!
07/06/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75044	Web
Atlas Credit Company opened a fraudulent account in my name after an individual stole and used my personal information. Atlas allowed this perpetrator to open an account with a printed paper ID and obviously forged supplemental documentation. The account was opened on or around XX/XX/2019. After identifying the credit inquiry and subsequent account opening Atlas was contacted and informed of the fraud. They were also provided a copy of the police report opened with XXXX Police with the accompanying Report # XXXX and the direct contact information of the Detective assigned to the case. After Atlas was notified of the fraud they confirmed they would flag the account and that my personal credit would not be affected. As of today they have not taken any action on this fraudulent activity and began reporting this fraudulent account as delinquent causing my credit score to drop from XXXX to XXXX.
04/18/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 75217	Web
I have been with Atlas credit company over 3 years. I always made my payments on time and never fell behind. Now I am facing a hardship situation due to the decline in pay on my job which makes my finances and overall bills hard to pay. I told them that I was trying to consolidate all my bills so that I can do something regarding the balance on the account but XXXX XXXX stated that they didn't take consolidation payments and needed full payment. They have sent people to my house with business cards and have constantly called my job for payment. He stated that he would take me to court and that they would send the police to my job if I didn't pay. XXXX and another customer service rep has said that I would be served on my job and sent a petition letter to my house but no court date was on the letter. XXXX has called a numerous times on his personal phone call as well requesting payment.
01/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76105	Web
Atlas Credit Company is reporting a derogatory item on my credit file with XXXX, XXXX and XXXX. This account does not belong to me and I have requested for specific documentation under Section 609, 611 FCRA which requires Atlas Credit Company to provide specific information to me such as copies of authorization to pull my credit, the times and dates of the authorization to pull my credit, copies of any purported contracts or agreements. Although I have requested this information XXXX, XXXX and XXXX continue to report the derogatory item on my credit report. As of the submission of this complaint Atlas Credit Company has refused to provide the required information under Section 609 FCRA and XXXX, XXXX and XXXX continue to report the derogatory item in violation of The Fair Credit Reporting Act. Please find my 4th Notice to ALL parties under Section 609, 611 FCRA.
08/28/2020	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 Their investigation did not fix an error on your report	TX 78748	Web
Atlas Credit Company is a predatory lender. I opened an account with them on XX/XX/XXXX. I then paid the account in full XX/XX/XXXX. They reported to Transunion I had filed a bankruptcy. I never filed a bankruptcy. I also paid the account in full. They refuse to remove the information from my account. I disputed the account multiple times and they refuse to acknowledge their error. I was unaware of this until I pulled my annual credit report. Both XXXX and XXXX do not have this information listed. This lender is purposefully attempting to damage my credit. I believe they should be held accountable for inaccurate information. They continue to damage my credit and countless others. They are predatory lenders and should be held accountable. Atlas Credit Company XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
07/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75025	Web
On XX/XX/XXXX, I accepted a loan from Altas Credit Co. , Inc. for {$500.00}. In XX/XX/XXXX, I checked my credit report and saw that there was another account opened by Atlas Credit Co., Inc. in XX/XX/XXXX for {$730.00} without my knowledge or consent. When I called the XXXX, TX Office, I was told that I was sent a refinance offer on my loan in the mail and even though I never responded to the offer or came in to sign a contract and pick up the money, the account was opened. At that time, I was told that they would close the account, but they would try to get it off my credit report and I should also dispute the account with the credit bureaus to get it removed. After checking my credit report today, I noticed that this account is still on my credit report.
11/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 76903	Web
XXXX have communicated with Atlas Credit many times on this issue. I was attempting to work out a payment arrangement with them because currently times have been hard. Their management staff crossed many lines. Then started to insult me personally, and started XXXX me, my family and my work via the phone. It got so bad that myself and my family and my company have had to change numbers or block them via phone systems. I have told them to stop and just send me to collections and they refuse. Now they continue to send tacky letter after tacky letter. They even had a lawyers office contact me via mail. When I talked to that lawyers office, they stated that Atlas just uses them to try and scare people. I want to quit being XXXX by Atlas.
11/21/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 78634	Web
I got a loan with this atlas credit in XXXX XXXX Texas I was paying on time all the time I was helping my parents out and have been having a hard time since I tried talking with the company the manager starts going off on me and talking down to me and so hung up called the DM even she was apologizing and told me pay what I could so I did but the harassment has been none stop my references have asked for them to stop calling them and they tell them they have the right to call as much as they want when they want too. My husband has asked them to stop coming to our house the woman said they can whenever they want and they call my work my boss has asked them to stop they will not stop at all.
03/16/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MO 63021	Web
XX/XX/23 Call from a XXXX, XXXX, asking that I have XXXX call her. This occurs everyday, sometimes on Saturday and Sunday. Sometimes 3 and 4 times a day, and can be at anytime of day. I have blocked the number but they still leave a voicemail. the number comes back as : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX They never give a full name of who they are looking for. I am assuming my brother who lives in XXXX XXXX. I have not spoken to him in some time and he does not return my calls. I am tired of the number of calls and timing. I have no idea what his business is with this company. Nor why they are calling me. I want it stopped.
03/25/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78223	Web	Servicemember
Several threatening messages have been left. The messages contain personally identifying information that should not be released during the course of the voicemail. There were written notifications left on my door that were not enclosed within an Envelope. After XXXX was performed my XXXX has been called as well as other family members and the nature of the debt has been disclosed to them. The calls are abusive and harassing and I do not feel comfortable working with the company. Any disclosures that I have received do not contain proper disclosures as far as bankruptcy is concern. It also did not have a truth in lending with the initial notification.
02/07/2017	Yes	Debt collection Payday loan	Improper contact or sharing of info Contacted me after I asked not to	TX 786XX	Web
This lender had shown up at my house and left a business card with my XXXX XXXX XXXX son. I then sent a letter of non-contact, requesting to no longer be contacted through phone or in person, but only via USPS mail, and cited Fair Debt Collection Practices Act. They have since called me and said that they " are not under that law according to their supervisor XXXX XXXX so they are going to continue to call. '' Today they called me at work. This is unacceptable. I have also sent a Pay for Delete letter to their home office, certified mail, that was picked up yesterday, I believe, which also requested contact via USPS mail only.
08/11/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	TX 76133	Web
The Amount started at {$500.00} in XXXX. They kept getting me to refinance. I was paying them {$100.00} per month up until I lost my job last due to Covid-19 last month. I know I paid them well over a year {$100.00} a month but I could never get finish paying it off. They started calling me and my family members constantly. And today XX/XX/XXXX someone from Atlas Credit showed up at my door. And after I asked her to leave my house she continued to knock on my door. Then started sending me text messages. The company name is Atlas Credit Co., Inc. Located at XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX
07/27/2023	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77493	Web
I am behind on my account and was told that they couldn't promise me for payment for a specific day that they would have to keep calling me. They have called me at least twice a day since I became past due. I would answer at least once a week to let them know that I was still working on it and yet they still called my references and asked them to have me call them back. Once I talked to them on Thursday and on Monday morning the called my son. I finally had to call them and asked for a cease and desist on my account. I am still receiving daily calls and voice mails which I have saved.
07/24/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 77379	Web
I took out this {$300.00} loan in XXXX 2017 and have made the first 3 on-time payments. I got fired from my job and am no longer able to make those payments. I 've discussed my dilema and theh have continued to threaten to keep calling me and my family. I sent a cease and desist letter on XXXX XXXX, 2017 and they have continued to call me and my family. I agree that I owe the debt, but at the moment I do not have any funds to pay it. And no longer live in the area due to an eviction, so I can not come in to speak with someone. I 've spoken over the phone and via text.
10/26/2022	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	GA 30122	Web
I was harassed by what I am assuming was the debt collector lady. She would repeatedly call my phone, aggressively beat at my door, and continuously sit outside of my house. I attempted to call in and come to an agreement so that i could pay the loan in full, but any time they got me on the phone I would experience complete aggression and disrespect. I was too afraid to go into the store because of the stalking and intimidation I was experiencing. If needed I can obtain witness statements from other Adults living in the house at the time.
07/31/2023	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	VA 23518	Web
Today XX/XX/2023, the staff at atlas credit came to my work, gave out private information regarding the reason for being there, when I asked her to not come by my job again or I would report her for harassment, she said well pay then and became verbally abusive. Then after she left, I proceeded to get text messages after I asked them to stop contacting me several times. I previously asked them not to contact me at work on my work phone because they were calling every day and I was getting reprimanded for the excessive calls.
01/12/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23831	Web	Servicemember
I have received continue phone calls from a company named Atlas Credit Company in XXXX Virginia I have never done business with this company and I'm confused as to why I'm getting repeated phone calls on a daily basis I had someone living with me who assumed my identity and also stole my driver 's license this is not the only concern I've had with this particular person however I filed a police report and I have proof that my identity was stolen please remove from my credit report thank you
02/23/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75180	Web
I took out a loan and because I got my due date confused I was charged late fees. I an accept that but, in XXXX I made a payment of XXXX and my monthly payments are XXXX so I was paying part of the late fees but not all. When the payment was applied it was applied towards part of the late fees first causing me to be late again and adding more late fees on the account. I believe the payment should have been applied towards principle and interest first then the late fees.
01/27/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 75098	Web
I HAVE SPOKEN TO THE REPRESENTATIVES AT ATLAS CREDIT IN REGUARDS TO THE CONTANT CALLS. I CAN NOT ANSWER MY PERSONAL PHONE AT WORK. NOW THEEY ARE BUGGIN MY REFERENCES. BY THE TIME I GET OUT OF WORK I CAN NOT GET ANYONE THERE ON THE PHONE I LEAVE TOO LATE. PHONE NUMBER IS TO ATLAS CREDIT IN XXXX XXXX XXXX XXXX IM RUNNING BEHIND ON MY PAYMENT AND I AM VERY WELL AWARE BUT MY NEXT PAYMENT I CAN NOT SUBMIT TIL THE 15TH. THIS IS BECOMING HARRASSMENT AT THIS POINT PLEASE HELP!
11/14/2023	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 785XX	Web
The issue is with Atlas credit company in XXXX, Texas they are constantly threating legal action. Every single day they go to my house knocking loud then park in my drive way and start honking repeatedly for several minutes at a time. They have also go as far as going to the neighbors and telling them that I do not pay my bills. They leave signs all over my fence and car, today they followed me in town till I got home and ambushed me telling me they needed a payment
04/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 785XX	Web
I was used as a reference for a personal loan, this person is apparently late on their payments because I continue to receive calls from the loan company asking me to inform person to contact them. I would receive almost daily calls couple months ago until I blocked the company 's number. I then started receiving calls from employees personal phones. I did tell the company twice to stop calling me but today I received yet another call from a personal phone.
07/20/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 76549	Web
I have received 5 phone calls on XX/XX/XXXX due to a passed due account less than 30 days I advised to cease calling due to creditor harassment I was told per their policy they are to call multiple times a day until a payment is made. I received 3 more phone calls XX/XX/XXXX regarding the past due payment and was talked to aggressively by the representatives. And continued daily since receiving phone calls after advising numerous times to cease contact.
12/21/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 75110	Web
I have repeatedly stated to them I am currently unemployed, Ive made whatever payments I can, they call me back the very next day to ask for more. Hang up on me when Im speaking to them and they dont like what I have to say. Ive advised I applied for unemployment but was denied and looking for work. They are rude, call from personal cell phones, and send messages about me whining and crying. Attached is a message from them directly to my phone.
06/08/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 75002	Web
So my husband and I both got a loan in XXXX of 2020, we made a couple payments then all of a sudden she started saying my payments where returned spoke with my bank that wasn't true, now her and the guy there are calling over and over and over all day to both of us and our references showing up at the house non stop. I've just been diagnosed with XXXX and I've begged her to stop and she does it more and more
11/23/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX XXXXX	Web
Hello, My loan was due on the XXXX of this month. I did not contact them until today. I was laid off at the end of XXXX and expressed that to them. My complaint is that since they were not able to contact me via phone the company will go to your home in an effort to collect. I am NOT even 30 days late. I reached out to corporate and stated that the action was unethical and to NEVER come to my home again.
11/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77072	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
09/15/2021	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	TX 75218	Web
I have been getting constantly harassed by the company whom goes by the name " Atlas Credit CO. , INC. ''. They've used aggressive and illegal tactics by showing up to my home and banging on the door ( a neighbor witnessed this through the peep hole ) This is a direct violation of the " Fair Debt Collection Practices Act '' section 806 Harassment or abuse.
07/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77450	Web
I filed for Chapter 13 in XX/XX/XXXX. I am trying to buy a home & I have discovered that Atlas Credit Company is reporting my account as charged off instead of Chapter 13. When I tried to dispute this in XX/XX/XXXX, I was told that Per Atlas, the reporting is correct. I have reached out via email to corporate but I have not had a response.
07/27/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 75901	Web
I am the only provider in my home now due to Covid 19, I have discussed my problem with this loan company but the keep going to my job. I could be close to losing my employment if they continue. I have told them numerous times not to do this but they continue. What else can I do, until my son starts receiving checks regularly I'm stuck.
08/26/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	TX 78537	Web
On XX/XX/2023, I applied for extension of credit. Atlas Credit Company , Inc. immediately denied an extension of my credit. This is 2 violations of the ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit.
11/15/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 756XX	Web
The lady comes 2 my job harassing me..now she has been coming 2 my house harassing my children, who are under 18, when they get off the school bus ... she has also been harassing them when i am not at home and will not leave..my children are very scared
02/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 780XX	Web
ATlas Credit COmpany XXXX XXXX XXXX XXXX XXXX TX XXXX Company or the Credit Bureaus have reported inaccurate information about my account they are saying i am 60 days late and that is not true problem hasnt been fixed all payments were made on time
07/25/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 78228	Web	Older American
I am on a fixed income and have attempted to pay the loan. At this time I have asked them to not contact me through a cease and desist letter. They continue to harass me and my family. I am requesting that they stop the harassment.
02/06/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 770XX	Web
I located in XXXX, Texas. I have a installment loan with Atlas Credit in XXXX, Texas. On XX/XX/2019. A someone was sent to my job from Atlas Credit to ask me for a payment because I behind on my payments. Harrassing me as well.
10/18/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 78363	Web
Atlast loans is calling my previous employer, I no longer work there and they are continuously calling them for me. They have already been advised no to call my employer and they are calling previous employers now.
08/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 78521	Web
I wrote to them for them not to call me during working hours or to my job. They dropped off a collection letter at my work and they keep on calling me repeatedly during my working hours.
09/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73110	Web	Servicemember
I've identified information on all my reports that are a result of identity theft. These items are not related to any transactions completed by me. See attached
08/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TX 782XX	Web
Have been repeatedly harassed at job and also have disclosed debt is owed to coworkers who have account also with debt collector. Name of company is Atlas Credit
10/03/2018	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 Investigation took more than 30 days	CO 809XX	Web	Servicemember
I sent my dispute letters to this company and havent received any feedback. I sent letters on XXXX XXXX, XXXX XXXX, XX/XX/2018 and XX/XX/2018 XX/XX/2018
04/30/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 75238	Web
Company repeatedly is calling me and whole family back to back on a daily everyday basis, they are extremely rude and aggressive. Still owe XXXX
01/17/2022	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 238XX	Web
Atlas credit, XXXX, Va, XXXX XXXX, came to my job to collect on a debt, it is very embarrassing and causes disruption at work.
07/13/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 78201	Web
I have sent a cease and desist letter the loan company and they continue to harass my family, friends and myself.
08/16/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	VA 238XX	Web
I XXXX XXXX XXXX did not apply for a loan from Atlas they dont have my signature or premission on anything
09/11/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 78521	Web
This company Atlas Credit from XXXX, Tx has been harrassing me at my job. I can get fired.
01/20/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 75181	Web
XXXX from Atlas Credit Inc came to my home to collect a debt.
03/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78223	Web
no knowledge of authorizing anyrthing for this account
06/12/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76134	Web
Account should be closed paid in full on time monthly
12/19/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	TX 78155	Web

10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75063	Web

06/30/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	VA 23454	Web

06/05/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX 75602	Web

04/12/2023	No	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 75801	Web

03/16/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MO 63021	Web

02/27/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 78660	Web

11/08/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 78040	Web	Servicemember

10/05/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 76117	Web

06/02/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77077	Web

03/16/2022	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	OK 73114	Web

06/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78046	Web

06/07/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 75708	Phone

01/29/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	TX 76140	Phone

12/03/2020	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 79912	Web

10/08/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	TX 78681	Web

07/28/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 78340	Web

05/27/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75050	Web

04/07/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	TX 78626	Web

02/25/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77021	Phone

10/01/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 75703	Web

09/27/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 75703	Web

06/28/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75706	Web

01/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75160	Web

09/20/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 78213	Web

07/31/2018	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	TX 78572	Web

03/23/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 75034	Phone

02/28/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 77026	Web

11/14/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 75150	Phone

09/01/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 78589	Web

05/17/2017	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77026	Web

11/26/2016	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 76691	Web

10/25/2016	Yes	Payday loan	Charged fees or interest I didn't expect	TX 75217	Web

08/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 75669	Web

08/19/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	TX 75669	Web

04/21/2016	No	Consumer Loan Installment loan	Shopping for a loan or lease	TX 75941	Phone