Auto Credit of Virginia Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via
07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23503	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Casey Auto Credit of Virginia ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Casey Auto Credit of Virginia the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( CASEY AUTO CREDIT OF VIRGINIA ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( CASEY AUTO CREDIT PF VIRGINIA ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 USC 1662 section B states No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. On XX/XX/2020 a {$2000.00} dollar deposit was required for the extension of credit towards the sales price of the vehicle equaling XXXX dollars. 15 USC 1605 states insurance shall be offered and included in the final price of vehicle in which I was not informed of my right to do so but Im contract Im listed as the creditor and the consumer whos liable for damages but then it says I must pay back creditor before refinancing so how many positions do I play making the terms and agreements unclear. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
09/25/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	VA 235XX	Web
Section 1006.14 ( a ), which implements FDCPA section 806 ( 15 U.S.C. 1692d ), sets forth a general standard that prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. XX/XX/XXXX Auto Credit of Virginia summoned XXXX XXXX XXXX XXXX to XXXX XXXX XXXX for a debt not verified to collect additional payment on an obligation of the United States from an extension of credit backed by the full faith and credit of the United States. 15 USC 1692F unfair practices taking a threat to take any non judicial action to affect disposition or disablement of property. There is no present right to possession of the property claimed as collateral through an enforceable security interest. There is no present intention to take possession of the property or the property is exempt. 15 USC 1692 abusive practices deceptive and unfair debt collection practices 15 USC 1605 Vehicle the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. [ Truth and Lending Act ] 15 USC 1679 ( I ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. [ Finance Charge Consumer Credit Transaction ] GOOD FAITH LOAN 15 USC 1662 ( b ) down payments not required No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.
11/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98055	Web
In XXXX I was employed by a company called XXXX XXXX. I worked as a XXXX XXXX for 3 months prior to quitting. When I left I returned the day afterwards and dropped off all of my uniforms with one of the techs working there. Since I quit, they have claimed I did not return the uniforms, and then they placed a negative collection on my credit claiming I owe them for non returned uniforms, however they placed it on my credit as a car loan. I have never taken a loan out with this company, let alone a car loan. I have made attempts over the years by phone calls and mail for them to validate my debt, and never once have I received anything. All I have ever received from them was threating mail to every address I've had on my credit, and have left threating voicemails on my phone. Every letter is a threat of legal action/garnishment of wages, contact to current employer, friends and family if I don't pay the money owed. They even went as far to put it on my credit twice to show I was delinquent on two auto loans. I have disputed this on my credit time and time again with XXXX and they were able to one of the time remove one of the car loans they placed on here. However recently they did remove it for one month, but then brought it back on my credit as if it was a new account. I reached out to the company again on XX/XX/XXXX due to it still showing on my account, and the fact they keep it open like I have an open account with them. They have it set up, so no matter the time frame it will never fall off my credit. As of this XXXX it has been 7 years since I left that job, and I'm still having problems with them refusing to validate or remove the account from my credit. The most recent time I reached out by email, they didn't even confirm who they were speaking with before they start emailing personal identify account information out. The last email I sent to them was today, after back and forth of them not being able to confirm they received my uniforms, and still refusing to remove it from my credit. I made the official request for them to stop all communications with me, as they have already violated my rights. With filing this complaint I will also be seeking legal advise as they have impacted me finically over the years with the negative marks on my credit for something I do not owe.
06/07/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	VA 23503	Web
Through the form of an application submitted for collateral in XXXX for a XXXX XXXX XXXX at XXXX XXXX located in XXXX XXXX Virginia on XXXX XXXX is where I endorsed my signature to tender the obligation. Was informed the vehicle was in excellent condition I was persuaded by the representative! Come to the realization that in XXXX XXXX according to XXXX displayed publicly on XXXX XXXX website there has been a total of XXXX recalls including the XXXX XXXX manufactured XXXX XXXX for the expense of repair for the defaults deemed necessary. A settlement agreement was reached where XXXX issued special coverage adjustments in XX/XX/XXXX for the XXXX XXXX. Under this agreement, XXXX extended engine warranty coverage for a period of seven years and six months, or XXXX ( whichever comes first ), from the date the XXXX XXXX was placed in service should the excessive oil consumption condition emerge. It is said that owners who file a claim with XXXX for the excessive oil consumption issues shall receive free-piston assembly replacement on their XXXX XXXX with the XXXX engine or reimbursement for prior out-of-pocket repair or rental vehicle costs which would have been covered by this special coverage adjustment but I was denied service repeatedly on multiple occasions for service by this organization! I seek compensation for the damages and repairs endured over the time of accrued interests not being applied to my principles balance on behalf of the principles account for the advancements of the UNITED STATES!!!
11/13/2023	Yes	Debt collection Other debt	Electronic communications You told them to stop contacting you, but they keep trying	WA 98055	Web
As per Complaint XXXX. I Informed them to stop all communications in regards to a debt that does not belong to me. And yet, they sent another email threatening legal action if the debt is not paid. I have never received anything to confirm that this debt was mine in the first place, and years ago They used the same scare tactics and threats to get me to sign something I did not believe belong to me. Nothing to confirm my signature agreeing to the said " XXXX XXXX ''. There was no contact in 2020 for them to close out the account and start a new one. Please see screenshots that show they still have the account listed as a car loan on my credit.
09/18/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	VA 237XX	Web
Company continues to garnishment my wages for interest amount owed after principal has been paid in full and will not give me information about how the interest amount got to the amount that it is.