AUTOMOBILE ACCEPTANCE CORPORATION CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/19/2021	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	GA XXXXX	Web	Servicemember
I had an account with AUTOMOBILE ACCEPTANCE CORP account # XXXX and the account was paid off. Since the account has been paid off, I continue to look at my credit reports from XXXX, XXXX AND XXXX XXXX and continue to note this account continues to be re-aged by the credit bureaus adjusting the charge off date/ status of the account. As a result, I have disputed this item directly with the credit bureaus XXXX, XXXX AND XXXX XXXX and each time the credit bureaus report the account is verified as ACCURATE via AUTOMOBILE ACCEPTANCE CORP. As a result, I have disputed this account directly with AUTOMOBILE ACCEPTANCE CORP via letter and via phone calls and each time, AUTOMOBILE ACCEPTANCE CORP states they are note responsible for the reporting of the account and I must dispute directly with the credit bureaus - in which I have SEVERAL times and AUTOMOBILE ACCEPTANCE CORP continues to ignore my requests. Even when I send evidence with my disputes, the credit bureaus state the account is verified as accurate via AUTOMOBILE ACCEPTANCE CORP. With the continued evidence and detailed disputes, AUTOMOBILE ACCEPTANCE CORP and XXXX , XXXX XXXX continue to verify the account as accurate. I have included the letters I have sent AUTOMOBILE ACCEPTANCE CORP with copies of the inaccurate credit reporting. I need help to ensure my rights under the FCRA is protected. According to the FCRA to avoid the illegal re-aging of this account by the credit bureaus ( inaccurately changing the date of first delinquency on a consumers account to a later date ). According to the laws of the FCRA If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. In addition AUTOBILE ACCEPTANCE CORP violated my rights when it failed to action. According to the FCRA when information to a CRA on a regular basis and determine that any information you provided is inaccurate or incomplete, you must promptly notify the CRA and provide corrections or additions. This didnt happen and I demand this account be removed for FCRA violations. Even my letter to the CEO has gone unanswered. PLEASE ASSIST Me
01/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30043	Web	Servicemember
The American Automobile Acceptance Corporation ( AAAC ) is currently reporting my consumer account between 30 and more than 120 days past due for four months to all three ( XXXX, XXXX, and XXXX ) credit reporting agencies. The resource ( a XXXX XXXX XXXX XXXX XXXX for this account has been associated with a civil litigation matter since XX/XX/XXXX. My commercial encountered a breakdown in XXXX XXXX, Arkansas and my Emergency Roadside Service dispatch a towing and wrecker service versus a certified repair mechanic who caused additional damage to my commercial vehicle. The towing and wrecker company was negligent in the mechanics repairs and performed deceptive maintenance practices in their explicit charges for the repairs ; they attempted to charge me more than {$8000.00} for two tows and a single-axle ( right rear ) repair. As a result, I was required to stay in a hotel for more than 2 1/2 month as I attempted to rectify this matter through local agencies ; but, caused me a severe financial hardship and the inability to make payments ( over {$800.00} ) on this account for four ( 4 ) months. To prevent the account from going into foreclosure and eventually repossession, I have been able to make payments on the account for the previous seven ( 7 ) months through my personal financial account. Fortunately, the Representatives of the American Automobile Acceptance Corporation have worked with me and allowed me to make payments at the end-of-the month versus on the XX/XX/XXXXof the month. However, they haven't been willing to remove the negative reporting for the four-month negative reporting ; even as I have informed them of my circumstances. In addition, the AAAC is holding a check ( more than {$3000.00} ) which still requires my signature ; and are only willing to post the check to the principle of the outstanding loan since the check was issue for repairs. In reverse, the truck is still not repaired and I would not trust any additional maintenance by the towing and wrecker company as theyre mechanics are not certified diesel mechanics ; nor is the business a certified repair facility. Yet, the truck is still not repaired I will have to transport it to a true repair facility upon completion of the litigation process. Also, AAACs four-month negative reporting is causing my inability to obtain credit which is much needed for financial support for additional attorney fees and other legal expenses.
08/21/2015	Yes	Debt collection Auto	Disclosure verification of debt Not disclosed as an attempt to collect	GA 30349	Web
I sent a CERTIFIED letter of dispute to Automobile Acceptance Corp. on XXXX/XXXX/2015 and demanded a validation of debt. I was asking for the proof regarding the debt that I owe and verifying it. I have a signed Receipt from Automobile Acceptance stating that they received the letter on XXXX/XXXX/2015. On XXXX XXXX, 2015 I sent another CERTIFIED letter stating I do not believe I owe what they say I owe and in accordance with the FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g SECTION809 ( B ) Validating Debts, that this matter is closed since they failed to respond, I assume that they were unable to validate the debt. I contacted ( XXXX ) XXXX ext XXXX or XXXX ) the collections department on XXXX/XXXX/2015 and spoke with XXXX ( front desk ) @ XXXX ; XXXX whom transferred me to XXXX and I got the voice mail, I called right back spoke with a XXXX ( front desk ) on XXXX/XXXX/2015 @ XXXX who transfer me to XXXX XXXX in collections on XXXX/XXXX/2015 @ XXXX. I explained that I needed to speak with someone in compliance regarding a debt validation that needed to be deleted from my credit report. she advise me that she did not have that authority to do so and asked me to fax over my documentations so that she could forward them to her manager whom was in a meeting a the time. I tried to fax the XXXX and the fax failed so I hand delivered them into the office located at XXXX XXXX XXXX XXXX Ga XXXX at the payment center and they were signed and received by XXXX XXXX on XXXX/XXXX/15 @ XXXX. I received a phone call from XXXX XXXX XXXX XXXX Collections manager on XXXX/XXXX/2015 XXXX that lasted 14mins and 40 secs. I advised him that the Account with his collection was not validated with in the 30 day period and I wanted this matter resolved by having it deleted ASAP. He replied by telling me that he had just sent out a letter to me yesterday in reference to my letter dated XXXX XXXX, 2015. I also advised him of the FAIR DEBT COLLECTION PRACTICE ACT, 15 USC 1692g SECTION809 ( B ). AND TOLD HIM THAT IF HE DIDNT COMPLY THAT I WAS GOING TO REPORT VIOLATIONS OF THE LAW TO MY STATE ATTORNEY GENERAL, THE FEDERAL TRADE COMMISSION AND THE XXXX. His reply was go ahead. He later said he would get back with me on Monday XXXX/XXXX/2015 after he spoke with someone to see if I was right.
04/01/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30274	Web	Servicemember
I have XXXX car loans through Automobile Acceptance.I am still paying for the Azera. But the loan for the Town and Country was almost paid in full when I needed the repairs done.I had paid the car loan down to approx {$600.00} and the car would be completely paid for.I had repairs done on my car in XX/XX/XXXX-XX/XX/XXXX. The cost was approx {$800.00}. I had the work done at XXXX. The vehicle loan is through Automobile Acceptance and XXXX works with them. You make your car payments, car repair bill, etc to them. I was told by AutoTune that I am to pay {$140.00} per month and there was no mention of interest on the repair bill. It should also be noted that this is the second time I have my car repaired and paid to Automobile Acceptance and there was n't any interest charged. The gentleman at XXXX never said anything about interest charged on the repair bill. Like I said this is the second time I have had my car repaired this way. After steadily getting all the calls regarding the repair bill I told them that my repair bill should be paid for by now. When I looked at the bill I saw that interest was being charged to the repair bill. When I went to them they combined the repair bill with the rest of the balance owed on the car. That 's when I discovered that I was being charged interest on the repair bill. I am submitting the payment history and a copy of the contract. Please help. I am on XXXX and my husband is the sole bread winner as I ca n't work. So our money is limited and we count every dime. It 's not fair that I am being charged interest on a repair bill. I am getting phone call after phone call regarding my payment for the repairs. I get calls XXXX-XXXX times per day. I informed the company that my bill is to be paid once per month. When I started paying I would pay every other Friday, to get the loan down, and I figured it was a good way to pay since I had to pay for the Azera and the Town and Country. Please look into this matter and help me please. Thank you in advanceXXXX XXXX XXXX XXXX XXXXThis will be the XXXX car loan I 've had with them.
04/20/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30126	Web
I called Automobile Acceptance bec ause I am trying to fix my previous mistakes from 5 years ago. I am in the process of getting a financial license that requires me to explain past financial mistakes. It requires me to show proof that a debt has been paid, proof that a payment plan has been established and t hat 3 current pay ments have been made, or prove the debt is not mine and dispute with creditor and credit agency. I called Automobile Acceptance aft er 5 years of not dealing with them. The account shows as a repossession, which it was, and I have not received a call or a piece of mail since the repossession. I have had the same phone number the entire time, since XXXX . I called them to discuss a payment arrangement and was offered an arrangement of 60 % of the balance for {$120.00} a month, or 50 % of balance for {$150.00} a month. I asked if there was anyway to do a weekly arrangement of {$40.00} a week so I can show that I have m ade 3 payme nts to the GA Dept of Banking and Finance so I can proceed with my life and future employment endeavors. I was the n accused of wanting to pay jus t 3 payments an d then not pay them again. I never once said that. They said that they could not offer weekly arrangements. I was then sent to a supervisor ... XXXX , the Legal Manager. After much back and forth, she put me on hold and said I could pay {$50.00} a week, but it would be on the entire balance of {$4600.00}. They have not attempted to contact me for 5 years. I contacted them to try to take care of the deficiency balance. I never even received a letter stating the remaining balance after the sale of the vehicle. I want to work something out with this company, but it just reminded me as to why I regretted buying the vehicle in the first place. They prey on people in need and over price their cars and then charge you a ridiculous interest rate on top of the overpriced car. Its my fault that I did it, but I am trying to take care of it.
06/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30126	Web
I am writing to dispute the Account or File Number being charged as BAD DEBT/CHARGE OFF AND OR COLLECTIONS that appears on all 3 of my Credit Reports. I have circled the information as it appears on my credit report for a visual that this account is being reported inaccurately. I previously was told by a representative at Automobile Acceptance that the accounts would be updated with the Credit Bureaus to reflect accurate information. That information has not been updated on my credit report correctly it has been reported as BAD DEBT/CHARGE OFF AND OR COLLECTIONS which is not TRUE/ACCURATE reporting of this account to the Credit Bureaus. Im having a hard time comprehending why this account is still being reported to the Credit Bureaus when the account was Paid in Full on XX/XX/XXXX. Per the Fair Credit Reporting Act I have the right to dispute all inaccurate information contained in my file. Therefore I will need documentation on a Company Letter Head that the account will be deleted from my report or further action will be taken. Enclosed are copies of my credit report from XXXX, XXXX & XXXX. I have circled the information that is INACCURATE. I have also enclosed letters from Automobile Acceptance that states that the account should be 1 ) Paid or Closed Account/XXXX Balance 2 ) Payment Rating of Current. To resolve the problem, I am requesting that the account be removed from my credit report because this is causing major harm to my credit. This can be done and will be done because this matter should have been resolved when I received the letter from the Employee XXXX XXXX dated XX/XX/XXXX stating that the account was Paid in Full ; as well as a letter from Employee XXXX XXXX dated XX/XX/XXXXstating that the account would be updated with the Credit Bureaus. This is NO JOKING MATTER because this unresolved account is hindering my life and causing harm to me. I need this issue expedited so that the issue will be resolve once and for all.
12/04/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30213	Web
On XX/XX/XXXX, I called and spoke with A rep from Auto Acceptance trying to get clearance on a supposedly debt I have and a repo on my credit report that has me as a joint co owner. My ex husband XXXX XXXX had that loan and I did not authorize no one to list me as the co signer just because we were married at the time. I was only to be a reference. on XX/XX/2020 I spoke with a young lady name XXXX from auto acceptance that stated she couldnt find me in her system and then I told her it has me as cosignor and i gave her my husband name XXXX XXXX and she found it under his name. I believe they are trying to hold me responsible for his debt since i called them to clear my name and they couldnt prove to me that I owe this debt, then she said it must be in an old system that she cant access when I asked for paperwork again, so then she said to call XXXX and I asked who are they and she said to just put in my ss # and it will direct me to the person that supposedly has that information. I was told to call XXXX press option 1, well I did that and I was transferred to mrs XXXX and for 2 days straight I got no answer and I left 8 messages between co workers and voicemail and i even put in 2 request for call backs. I called back and asked if I can speak with someone else and they said no. I asked does this person still work there and they said yes and they will send her an email to call me and still nothing as of today. I spoke with XXXX and they refuse to help immediately because the account is still under dispute until XX/XX/2020 .I spoke with XXXX XXXX XXXX XX/XX/2020 from XXXX i explained i couldnt verify this with the company and its affecting me getting a mortgage. He still refused to acknowledge FCRA, FDCPA & CFPB guide lines. I believe this is a scam or extortion on my credit report because no one can provide me any information on this matter or show my signature and drivers license with the original contract.
02/28/2019	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	GA 30312	Web
I have an account with XXXX XXXX ( Automobile Acceptance Corp. ). I got the loan in XX/XX/XXXX and have been paying on time until i became sick in XX/XX/XXXX until XX/XX/XXXX where I filed a insurance claim to pay for those months because I was out of work. I then made a payment n XX/XX/XXXX of about {$300.00} and something to bring my account to a current status. Beginning XX/XX/XXXX i have received almost 3 calls per week not including the calls that were made to my job for payment after I sated to them that I wanted to pay off my account at the end of this month. I requested a payoff online on Sunday XX/XX/XXXX. I spoke to a representative on Monday when I received another call for payment verbally and was not given one but a date to pay before collections which was XX/XX/XXXX I stated to them once again that i needed a payoff and that i didn't get paid until the XX/XX/XXXX, no help, no progress. after hanging up with them I received a corresponding email to my pay off request that stated that I have until XX/XX/XXXX to pay the amount in full. On today XX/XX/XXXX i received a call once again asking for payment. I then stated to " XXXX '' that i did receive a payoff payment date and that I had to the XXXX to pay it off and that I was gon na pay it by tomorrow XX/XX/XXXX because that when I would have the funds and that there is nothing i can do but wait until my check clears what more does she want me to do?! She then tried to tell me that that is not what that means and she stated i need to make a payment, I didn't like the tone of her voice so i told her she would get it tomorrow, have a good day and hung up. This is my 2nd loan with them and i just don't understand how they could harass a person that's doing what they are supposed to do i'm not months behind the month isn't even over and they are hounding me.
03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89148	Web
Under what authority, statute, or law does Automobile Acceptance have to share and or furnish my non public, private, personal, identifiable financial information? Automobile Acceptance has been put on notice about sharing my private, personal, non-public identifying financial information, and transactions and experiences to third parties, which include but may not be limited all consumer reporting agencies. I was never received full disclosure regarding my option to opt of of my non public personal information being shared and that was my right. Automobile Acceptance assumed they had my consent and they did NOT! I have revoked, canceled, and rescinded all presumed consent retroactively to date. Automobile Acceptance referred to 15 U.S. Code 6802 section d, that states limitations of sharing the account number for marketing purposes. However, being that I was never given the option to opt out initially prior to my information being shared, that code does not even apply. Pursuant to 15 U.S. Code 6802b I was never given the opportunity to opt out of having my non public personal information shared with third party affiliates, or explained how I could exercise my right to the non-disclosure of my information being shared. I have a right to privacy and full disclosure, and I was not provided either with Automobile Acceptance. Automobile Acceptance also stated they have the right to report consumers account information, which is their non public personal information, but under whose AUTHORITY? Federal law states the rights of privacy I have as a consumer and federal law supersedes any policies Automobile Acceptance may have. This information that is being furnished to the consumer reporting agencies is harming and injuring me.
07/17/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30134	Web
On XX/XX/XXXX , I purchased a vehicle a XXXX XXXX XXXX from XXXX of Georgia. On XX/XX/XXXX , I found out the vehicle was no good meaning the motor and catalytic conve rter was gone out. I took the car back o n XX/XX/XXXX less than 24 hours later after purchase also being told at the time I sign the contract that I had 72 hours to return the car if I decide I did not want it. When you bring the vehicle history up on this vehicle connected to VIN XXXX may have been recalled. Check full report for more information vin # XXXX ... this comes up. I was told by XXXX who is now working for XXXX XXXX XXXX in XXXX XXXX , GA the vehicle was sold and they had already receive a check for the vehicle. I ask who was my finance company and she replied Automobile Acceptance. On XX/XX/XXXX , I went to the finance company in XXXX , GA and told them that I no longer wanted the car and that I have 72 hours to bring it back and I was well within the 3 days and the credit manager replied they had already electronically sent XXXX check and conveniently XXXX closed down everywhere. The credit manager said it would be a repossession if I return the car so she convince me to keep the car. It became very hard to maintain the car and the payments so I voluntarily gave the car back. The car has been charged off on my credit and now Automobile Acceptance are suing me for almost $ 15k with 12 % interest. I was initially tried to be served in XXXX county XXXX XXXX , Ga but when I went to XXXX , GA Magistrate court and was the served with this civil suit, in which ; I find illegal and unethical. I will upload s upporting documents that will show the vehicle loan was charged off.
08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 27104	Web
On XX/XX/XXXX I mailed a notice of collection dispute to XXXX and XXXX reporting agencies regarding fraudelent information reported to them by Automobile Acceptance. XXXX did not return the Return Reciept I mailed to them, as required by the US Postal Service- a paid service. However, they noted on my credit report the following note " Between XX/XX/XXXX and XX/XX/XXXX the following remark was removed from this account : Consumer disputes - revinstigation in progress. '' At the same time they also added a note that the account I disputed has been updated to " Charged off acccount, fixed rate ''. XXXX. ) XXXX failed to contact me with information indicating the false account has been successfully proven by the creditor. XXXX. ) As I shared with XXXX, the creditor Automobile Acceptance has been submitting late payment information for the past three years. All the while knowing the vehicle has not been in my possession since XX/XX/XXXX. There is a note on the report that indicates the last last payment was XX/XX/XXXX - this is false- the vehicle was not in possession. Further, why is XXXX reporting late payments as of XX/XX/XXXX while noting the last late payment was XX/XX/XXXX? XXXX. ) Further, the creditor is claiming a loan amount of {$9700.00} due to them. This is also false as the loan amount was not for that amount. I DO NOT owe this Automobile Acceptance {$9700.00}. XXXX. ) Due to this false reporting on the part of the creditor, I requested the account be completely removed from my credit report. XXXX has closed the investigation, per notes on my report without completing the investigation nor removing the fraudalent account.
09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30028	Web
Consumer Financial Protection Bureau Complaint # XXXX XXXX XXXX We thank XXXX XXXX for his comments and please find our response below. NOTE : XXXX XXXX also filed another complaint at the same time ; # XXXX. XXXX XXXX entered into a Simple Interest Note And Security Agreement on XX/XX/XXXX, and he pledged his XXXX XXXX XXXX as collateral. He also executed a credit application which gave us valid a permissible purpose to review this credit file. XXXX XXXX account become delinquent, and the account was assigned for repossession on XX/XX/XXXX, however, we have been unable to locate and recover the collateral. The balance remaining on the account is {$6200.00}. We ask that he pay this amount immediately or surrender the collateral. 15 usc 1681 b 2 who gave permission to share my information? permissible purpose title 18 identity theft any Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. can not use my information without my permission or its identity theft its the LAW I refuse to pay this debt or any other debt that you have in or associated with my name. So PLEASE STOP CALLING ME, OR SENDING ME LETTERS! Once again! I am informing you to cease all contact with me or anyone else about this claimed debt. Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice that I REFUSE TO PAY and for you to CEASE all further communications with me. Sincerely XXXX XXXX
03/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89148	Web
AUTOMOBILE ACCEPTANCE is sharing my consumers private, personal, nonpublic, identifying financial information, transactions, and experiences to third parties, which include but may not be limited to consumer reporting agencies ; and these actions are causing the consumer to sustain injuries. I recently learned that consumers have privacy rights secured to them under the Gramm Leach Bliley Act 15 USC 6802 and the Fair Credit Reporting Act 15 USC 1681a ( d ) ( 2 ) ( A ), that requires any financial institution desiring to disclose/share and or furnish private, nonpublic, personal identifiable financial account information, transactions and experiences about any customer and or consumer, must first provide proper disclosure regarding its intent to do so, as well as give the consumer an opportunity to opt opt. AUTOMOBILE ACCEPTANCE are hereby notified of the following : ANY and ALL consent assumed or obtained by AUTOMOBILE ACCEPTANCE from the consumer, ( XXXX XXXX ) that granted it permission to disclose, share, or furnish the private, personal, nonpublic, identifiable financial information. transactions and experiences, whether it was expressed or implied is now REVOKED, TERMINATED, CANCELED, and RESCINDED retroactively to the date that such consent was presumed to be obtained, to-date. It was never my intention to willfully surrender any legal right to privacy, nor do I believe I have done so in any way, therefore I am investigating the validity of the " consent '' assumed or obtained by AUTOMOBILE ACCEPTANCE.
06/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30014	Web
I have made numerous attempts to clear this up directly with the credit reporting agency ( XXXX specifically ) and they keep saying that an AGENT at Automobile Acceptance XXXX XXXX XXXX XXXX, Georgia XXXX has verified the said account. I have been a victim of identity theft and have supplied all the proper documents. AUTOMOBILE ACCEPTANCE ACCOUNT # XXXX {$5800.00} does not belong to me ( I do not owe automobile acceptance the said amount, and I have asked in order to validate the debt, I would like a copy of the original contract containing my wet ink signature, the name of the agent who verified the debt and who has first hand knowledge of the said debt. In Regards to : UNFINISHED BUSINESS XXXX XXXX XXXX non-adverse, non-belligerent, non-combatant party, secure creditor with power of attorney general, and Executrix on behalf of the XXXX XXXX XXXX ESTATE, is in possession of your recent voluntary submission of evidentiary documents also known as a credit report. Furthermore, in order for XXXX XXXX XXXX to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX conventions. I would also need a copy of your Tax Registration certificate! Failure to substantiate the claim, please DELETE all accounts immediately with the next 10 days. Send an update to XXXX to remove the said account immediately! And send myself and XXXX verified copies.
04/20/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30260	Web
I am currently making payments to Automobile Acceptance Corporation. After falling 31 days behind on my payments the unit was placed out for repo. Prior to this occurring their represents called my phone 3 times a day even after I told them when I would be able to make my payment. They even sent emails to a family member regarding my loan They called after I made arrangements. They also contacted my relatives everyday. After the vehicle was place out for repo, a representative contacted my cousin and refused to identify himself. He made threatening statements which included that Automobile Acceptance Corporation is seeking a warrant for my arrest. They disclosed my personal information withour verify who she really was and threaten to take me to jail over a debt. I contacted Automobile acceptance and the rep refused to let me speak with a supervisor. They kept transferring me to the repo department which never answered the phone. The line would go straight to a voicemail. I called back and advised the rep that I just needed my account number to make a payment. I was told that they could not give me teh account number unless I spoke with someone in the repo department ( whom never picked up the phone ). I am filing a complaint for disclosing my personal information, making threats to jail me for a debt and refusing to allow me to make a payment.
03/19/2019	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	GA 30008	Web
I financed a car loan with Automobile Acceptance for a XXXX XXXX XXXX .payments we re {$170.00} bi weekly for 58 months and CPI {$38.00} .during that time I was never late with car payments missed a few CPI during the duration but not many. The car stopped running almost the end of XXXX of XXXX I asked that they remove the CPI they refused stated i need to purchase FULL COVERAGE I refused to pay full coverage for a 10 year old broken down car..On XX/XX/XXXX I made my last payment over the phone which I was told would be {$170.00}. a month later they started contacting me saying I owed {$610.00} .I asked for what they really couldnt explain how .I asked them to foward me documents explaining how could I owe this .I received a letter end of XXXX saying it was for CPI payments from XX/XX/XXXX. I pulled out my bank statements because I knew for a fact that I never missed that many payments ..For this reason they are refusing to give me a title. I have a peace of junk in my drive way I cant get rid of without a title.They have also tarnished my good credit by adding this payment on my credit report. Please help
07/26/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30080	Web
I called Automobile Acceptance because I noticed that my credit report is reporting a balance of {$13000.00} and is saying that I failed to pay every single month even though I respectfully asked to to come pick it up due to my inability to pay the note due to me losing my job.. I voluntarily gave them the vehicle back because I lost my job and my ex husband stopped paying the car note for he paid it every month since he had me get it. The account shows as a repossession, which it was not it was a voluntary repo due to my change in my finances, but I never received a call or a piece of mail since they picked up the car from my home. I have had the same phone number the entire time, since XXXX. I never even received a letter stating the remaining balance after the sale of the vehicle. I had to consult with an attorney that advised me of the steps to take and this was one before entering into litigation at which I hope that is not necessary. I updated my address with them in XXXX when I moved and in XXXX when they called me about the late payment and I told them I could no longer afford.
05/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web
I am filing a compliant agains t Automobile Acceptance ( XXXX XXXX XXXX , XXXX , GA XXXX ), because I have settled in full a title loan with this company and their attorney XXXX , XXXX XXXX XXXX , XXXX ( XXXX XXXX XXXX XXXX , GA XXXX ). on XX/XX/XXXX f or account XXXX in the amount of XXXX . Automobile Acceptance has reported and continue to report to credit bureaus XXXX & XXXX that I have an account XXXX as a single pay loan, duration term 1 month, last payment XX/XX/XXXX , an d payment XXXX a month ... all this information is incorrect, I never signed or applied for loan with them for the info listed above, the account I had XXXX was correct and settled, it is my belief that this company is reporting the balance after settlement. I have submitted several disputes to the credit bureaus to have this information verified and to be removed, and it still remains.
05/02/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 30253	Web
I purchased a new XXXX XXXX XXXX in XXXX of XXXX. I have been paying {$580.00} per month for 25 months on time with the exception of one late payment. I have tried many avenues to get from under the bad loan but all say I am too upside down int he vehicle and will have to pay between $ 5-10K to trade it in. I feel like the company Automobile Acceptance has participated in predatory lending. As of XX/XX/XXXX, to pay the car off is {$20000.00}. I have paid a total of about {$14000.00} into this car. The company has refused many times to refinance. As I mentioned earlier- it proved impossible to get from under this loan. I would like to know how I can file a predatory lending complaint against this company. Keep in mind my car is only work less than $ 10K. As i look at my statement ( attached ), I am paying {$430.00} in interest. At this rate it would take me forever to pay off a okay with little value.
03/01/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web	Servicemember
I obtained a car loan through Automobile Acceptance Corp. on XX/XX/XXXX. On XX/XX/XXXX the car was repossessed. I had not taken possession of the car again after that time. On XX/XX/XXXX, Automobile acceptance reported to the credit agencies that the car was repossessed. ( Not sure why, maybe to extent the bad credit filing ) On XX/XX/XXXX Automobile Acceptance reported to credit agencies that I reopened the same account. On XX/XX/XXXX Automobile Acceptance reported to credit agencies that the car was repossessed. This leaving the account on my credit until XXXX. I have attempted to resolve this matter with Automobile Acceptance and the credit agencies with no avail. Automobile Acceptance continues to put fraudulent information on my credit report and refuses to correct their own error. I have only had one account with this company, which ended in XXXX upon them taking possession of the car.
08/07/2019	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was repossessed or sold the vehicle	GA 30016	Web
There was a title loan given on the vehicle ... XXXX ... ..the vehicle was ultimately repossessed ... .the company continues to report the original loan amount to XXXX and has given no monetary credit for the vehicle ... ..the tires and rims on the truck alone was worth more than XXXX ... ... and that's not including the value of the truck itself ... .the loan amount should have been completely wiped out after the vehicle was repossessed due to non-payment ... ... .the amount reporting to the credit reporting agency as a charge off is completely incorrect! and on top of that ... ..the loan was obtained fraudulently by my brother ... ... and all the proper documents have been submitted to the agency ... ... but as I said besides all of that ... the company AUTOMOBILE ACCEPTANCE account # XXXX AMOUNT OF XXXX ... ..this is wrong on so many levels and I have tried to resolve this with no result
04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30022	Web
Automobile Acceptance is and has been reporting on my personal credit profile as " delinquent. '' I've never had account with Automobile Acceptance nor have I ever been affiliated with Automobile Acceptance. I call as well as sent a certified letter requesting this information be removed from my credit report. I call spoke with someone in the credit department by the name XXXX his extension XXXX. I explain to him Automobile Acceptance is and has been reporting on my personal credit profile, he placed me on hold while he researched the information, he ( XXXX ) return to the phone and stated he could not find my name nor social security number in their database. So I ask that this information be removed, he ask that I contact XXXX, XXXX and XXXX. I replied to him that I have already sent a certified letter asking this be removed and it's still there.
07/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30019	Web
In reference to complaint # XXXX that was closed with no real proof provided. Automobile Acceptance claims to not have been able to even locate the account, then after sending in adl proof they were able to locate it and claim that the information is reporting correctly! Where is my proof of these claims? I am demanding all names and correspondence of who investigated this matter and I will also need the XXXX XXXX for this account, which includes the file, ledger, any and all accounting and transactional history, books of accounting and the ORIGINAL contract. This information that is being furnished by Automobile Acceptance is inaccurate and their negligence into this matter is disheartening. The CFPB should require companies to send verifiable proof regarding claims that are being disputed by federally protected consumers.
04/05/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30126	Web
I purchased a vehicle in XX/XX/XXXX had a total loss claim on the vehicle in XX/XX/XXXX XXXX paid the company whatever the car was worth. However the car company stated since I was at fault I was responsible for paying the {$500.00} the insurance company subtracted from the total loss check. I paid the balance in full in increments to the car company and they reported that I was a charge off on my credit report which is not true. I received a paid in full letter and a letter from their lawyer saying that my credit report would be updated to reflect accurate information. I have since seen my credit report be updated to charge off on as current as XX/XX/XXXX. This information is inaccurate and I need this taken off my credit report immediately.
07/25/2021	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	GA 30030	Web	Servicemember
Had XXXX XXXX XXXX pay these Rat Bastards Off, Acceptance Automotive Corporation {$15000.00}, so I instructed XXXX at the XXXX GA XXXXcceptance Automotive office to send me a copy of my Pay-off so I could give it to my Mortgage Processor & Underwriter, for some apparent Reason this must have kick in that XXXX XXXX mind set, and to-date I Not received Pay-off documents from her XXXX, nor Acceptance Automotive Corporation as if they are Stopping me. Side Note : Ive spoken with the Georgia Motor Vehicle, Title issue Ok, also Im reaching out to the US AGs office Protection of Senior, and the Georgia Governors office of Consumer Affairs. I like Advocating and Winning. The only thing thats Stopping me is Me, Im Winning $ $ $
12/28/2015	No	Consumer Loan Title loan	Payment to acct not credited	GA 30253	Web	Servicemember
Took out a loan on XX/XX/XXXX for the term of 14months. XX/XX/XXXX had XXXX and was out of work for 3 1/2 months. fortunately I had taken out XXXX insurance to cover the payments while recovering for XXXX. I returned to work XXXX and still have not received a full paycheck due to therapy and bi-weekly office visits. XXXX is threatening me with repossession instead of working with me to help me get back on track. I am 73 days behind on a payment that was due XX/XX/XXXX. now I am confused if the insurance company made my payments while I was recovering why is there a payment late from XX/XX/XXXX? seems like the logical thing to do is reset the contract instead they are threatening me with a large sum due or reposeesion.
07/27/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MN 55124	Web
In XX/XX/XXXX my credit score dropped 76 points. I was n't sure why because I have all open accounts paid on time. A closed account from Automobile Acceptance that was closed in XXXX was reopened and showed my last payment as of XX/XX/XXXX. I contact the lender and also disputed with all three credit bureaus. I opened a complaint with the XXXX XXXX XXXX and the company admitted it was a mistake due to a new payment system. They also said that it would be fixed. Months later still not fixed. I sent the attached letter to the credit bureaus showing the mistake and they still have n't fixed it. The company still has n't fixed it. This has caused a 76 point drop and due to this I ca n't qualify for a home.
01/22/2024	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Problem with the payoff process at the end of the loan	GA 30168	Web
I have a loan with this company and it is the worst loan I ever gotten. It is a title loan and I only XXXX or more with fees and interest. I got one or maybe two months behind because of me being off work for XXXX, yet now I am current. When I asked for one payment to be put on the end of loan I was denied. I received several disturbing phone calls more than three to four times daily, not respecting me or my work hours, being that I work starting at XXXX in the mornings. The messages are aggressive and mean. I was also a victim of debit card theft and it took me a minute to straighten out my bank account. I am thriving to get my title back, so I can remove myself from them calling my phone number.
01/14/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TN 37716	Web
Automobile acceptance company. I got XXXX payments behind. Worked with collections to catch up. I time payments for a year prior to this issue. When I went to call for the XXXX arranged payment, the third to catch up was going to be with my taxes ( and on their records I was only XXXX days past due ), they refused my payment unless I paid in full. Refused it. If I paid it I would only be XXXX days past due which is within XXXX guidelines as paid as agreed. I demanded to have my payment taken and they refused again. I took down the address to send a payment butI know if they do not cash it payment would not be received. I am sending this by money order certified mail requiring a signature.
09/25/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 30122	Web
I was sued by automobile Acceptance Corporation and they were represented by XXXX XXXX XXXX XXXX XXXX XXXX. They garnished my wages for over a year until the balance was paid. Years later it is still showing on my credit as having a balance. XXXX XXXX XXXX and XXXX was closed down in 2015 and they were sued by the federal government for collecting debts from civilians that was not owed and I am sure that I am one of them. I want the balance to be removed from my credit report and I also want any money returned to me that was not owed or demanded in the original court document. I have not been contacted by the plaintiffs or by this law firm since the garnishment stopped.
05/15/2019	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	GA 30281	Web	Servicemember
I went to XXXX XXXX in XXXX Ga in XXXX of 2018. I originally pawned my title at XXXX XXXX and fell behind. XXXX XXXX bought out XXXX XXXX. XXXX XXXX gave me a new loan and payments at XXXX monthly for 24 months. I was making monthly payments until I lost my job. I fell behind and they would not work with me with my payments. They added outstanding late fees & interest rates went up. I've made XXXX towards the loan and they still want work with me. The only option they are offering me is to return my vehicle. Please Help. Now they say the balance is XXXX
09/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 316XX	Web	Servicemember
I had an auto loan through Automobile Acceptance which became delinquent. I paid off the debt after repossession through their lawyer XXXX XXXX XXXX. They reported to XXXX and XXXX that the balance was XXXX. However for some reason they reported to XXXX that I have a remaining balance in the thousands so I disputed it. They " verify '' that the amount is correct and now they sent that same thing to all 3 bureaus and dropped my credit which is now directly effecting my finances. I have paperwork from them which states the debt was settled in FULL.
08/27/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	GA 30341	Web
I got a loan with XXXX XXXX in Georgia. I have been paying on this loan and it seems to never go down at all I refinanced it but I have paid way too much money and they still told me my balance is {$3500.00} I know I be late like 12 days or so but never months behind every time I pay they tell me it will go down but when I ask the price again when I speak with them they still say the same as it started my payoff balance. They are just taking my money I will never pay it off.
11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78613	Web
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
06/30/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 32218	Web
So I was XXXX and reached out to car company regarding the car and payments and the engine went out in the car. After that I had XXXX on my throat. They asked for a replevin I offered to do a settlement of several occasions. They denied. I returned the vehicle. And afterwards they salvage the car. For the same amount I offered XXXX. And still they want me to pay XXXX. And I asked they about the gap coverage. And they denied giving me that info i.p.o by
08/04/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30331	Web
i would declare this loan off my credit report i called XXXX to remove this loan off my credit report and i would not like for Acceptance insurance to give me a call. Its dropping my credit score due to them saying im not making payments & i am. I would like for the loan to be took off my credit and like my title. I also signed some things without permissable purpose of the consumer report which is in 15 U.S Code & 1681B which is against my will.
01/09/2017	Yes	Consumer Loan Title loan	Charged fees or interest I didn't expect	GA 30039	Web
Automobile Acceptance Corporation placed my car out for repossession for insurance, not payments. They will not work with me in any way shape or form. They 've issued me a refund during these negotiations and continue to contact my place of employment even though I 've asked them not to do so in writing and verbally. The third party arbitrator has never returned my calls and not they are threatening to file a concealment warrant against me.
09/06/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30294	Web
A fraudulent auto loan was taken out in my name stemming from my wallet being stolen some years ago. I have yet to have the matter resolved even after sending the credit bureaus and the financing company documentation.The account wasn't paid and is effecting my credit rating. I've suffered damages due to negative and inaccurate reporting and would like this matter to be quickly resolved with Automobile Acceptance and the credit bureaus.
08/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27105	Web	Servicemember
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
08/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30083	Web
The company Automobile Acceptance Corporation ran my credit without my permission. I originally got a voicemail saying they needed to speak with me about my loan application. Then I got a email saying they would like to speak with me about application. I then called and told them I never applied for a loan application. I then check my credit and see they have ran my information without my permission.
03/09/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	GA 30215	Web
Automobile Acceptance Corporation & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never served me with a suit and fraudulently filed a garnishment of my bank account for {$21000.00} According to the paper work it reaches the statute of limitations and the attorney who is acting as a debt collector failed to send me the proper paper work to view this case.
03/12/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30096	Web
I have been recently checking my credit reports and I have found that Automobile Acceptance has reported inaccurately among the XXXX credit bureaus, XXXX, XXXX, and XXXX. My credit reports show on XXXX as never been late for XX/XX/2016, but XXXX and XXXX show late. This information on XXXX and XXXX is being reported incorrectly.
10/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30022	Web
I was not late on this account when it was opened in XX/XX/XXXX, it shows on my credit report I was late in XX/XX/XXXX 30 days and XX/XX/XXXX 60 days. In XXXX it shows 30 days late in XXXX and XX/XX/XXXX.I reached out to company several and they have not updated my credit report.
05/18/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MD 20746	Web
I paid on my car loan for XXXX years on time. I lost my job and I communicated that to the lender of my car loan. They were not willing to work with me so my car was repossessed. I was expected to pay the balance of the loan and not the missed payments.
10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32218	Web
This is not my account this account had been removed from my credit and was readded by the investigator. None noticed me It was just replaced I had insurance with XXXX and XXXX and XXXX XXXX XXXX I moved out of state. This isn't my account
02/27/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30228	Web	Servicemember
Automobile Acceptance is attempting to collect a debt that is outside of the Statute of Limitations in violation of FCRA & FDCPA the derogatory remarks have hindered me from obtaining lines of credit and a mortgage.
05/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA XXXXX	Web
credit inquiry, unauthorized on showing on credit report XX/XX/2018, called and sent in a certified letter to ask for verifiable authorization for running my credit report. I did not authorize any type of company
12/16/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30047	Web
This car lot sold me a bad car, not even having the vehicle an entire year the engine went out and the company refused to fix it or put me in another vehicle at their cost.
01/08/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	GA 30294	Web
I was a victim of idenity theft and I sent in all the documents and they removed everything that was fraud except this one account.
09/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34711	Web
fraud on my credit report
02/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	GA 30241	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	GA 30013	Web	Servicemember

12/21/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	IL 61111	Web

12/04/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 28206	Web	Servicemember

10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60402	Web

09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30028	Web

09/19/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Vehicle was repossessed or sold the vehicle	GA 30028	Web

09/14/2023	Yes	Payday loan, title loan, personal loan, or advance loan Title loan	Charged fees or interest you didn't expect	GA 30028	Web

09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30028	Web

08/25/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30016	Web

08/25/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	TX 77098	Web

12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30025	Web

10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30127	Web

08/31/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30030	Phone

06/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30019	Web

10/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60645	Web

07/28/2021	Yes	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan		Phone

07/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30224	Web

06/19/2021	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 Investigation took more than 30 days	GA 30268	Web

05/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30339	Web

05/04/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30263	Phone	Older American

02/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90503	Web

02/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30273	Web

01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28314	Web

01/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60436	Web

01/08/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 28214	Web

11/05/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30350	Web

10/20/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30135	Web

10/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30101	Phone

07/09/2020	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 Investigation took more than 30 days	GA 30093	Web

06/05/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	VA 22309	Web

03/24/2020	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	GA 30349	Web

01/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30032	Web

12/20/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30341	Web

11/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30047	Web

11/18/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 31106	Referral

09/10/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30287	Phone

08/26/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30349	Web

07/24/2019	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	TN 37013	Web	Servicemember

06/13/2019	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	GA 39870	Web

05/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30236	Web	Servicemember

03/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23453	Web

02/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90008	Web

03/06/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30127	Referral

02/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30331	Web

02/14/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	SC 29223	Web

01/11/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	GA 30066	Web	Servicemember

12/05/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	GA 30180	Web	Older American

10/30/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30067	Web

09/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78253	Web

08/17/2017	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30263	Web

06/08/2017	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30213	Web

05/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29072	Web	Servicemember

03/28/2017	Yes	Credit reporting	Incorrect information on credit report Account status	GA 30039	Referral

02/01/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	GA 30039	Web

11/09/2016	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	GA 30331	Referral

10/31/2016	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	GA 30238	Referral

02/11/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	GA 30045	Web	Servicemember

07/24/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 30721	Web

05/08/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	GA 30276	Web	Older American

03/29/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	SC 29138	Web

01/26/2015	Yes	Consumer Loan Title loan	Payment to acct not credited	GA 30039	Web	Servicemember