Automotive Management Services, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/14/2022	No	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	NC 282XX	Web	Servicemember
In XX/XX/XXXX, I voluntarily handed my car back into the lender, XXXX XXXX. This was around the time I was learning more about interest and, even though I had the car for about a year or so, I learned that my interest rate was 17 % and I would be upside down on that loan for a long time. I had no issues paying the car note, I only voluntarily gave the car back because I could not get from under that loan, and the car was not in top condition. The lender, XXXX XXXX reported the car as a voluntary repossession that next month, and continued to report that for the next few years. I was not aware of this until XXXX, upon applying for a mortgage loan. I did, however, dispute with XXXX XXXX in XX/XX/XXXX. I learned that once the car is taken back to the lender, voluntarily or involuntarily, the lender has the chance to sell the car to regain debt. I called XX/XX/XXXX and spoke with a member from account services. I was told that the car had been sold and my balance at the time was {$100.00}. I was willing to pay the {$100.00} to clear the debt on my credit. I informed the account specialist I would pay the debt in person. Upon trying to pay the debt, I learned that they were not willing to take my payment, nor correct the inaccuracy on my credit report. The balance in XXXX still reflected the same amount it was in XXXX. I personally wrote the owner of the company, XXXX XXXX, to dispute this inaccuracy. They did not fix the inaccuracy but yet continued to report through XXXX, the voluntary repossession. As the mortgage lender is explaining this to me in XXXX of XXXX, I could only think to myself how I tried to fix this inaccuracy almost 2 years ago and it is not only still producing an issue, but causing hardship to my XXXX credit report. I did dispute this inaccuracy to XXXX and XXXX, both of which removed the inaccuracy in XX/XX/XXXX. XXXX did not remove the inaccuracy. I recently disputed the inaccuracy the day after I was informed, on XX/XX/XXXX. I sent the corresponding emails showing where I reached out to the company in XX/XX/XXXX to dispute the balance inaccuracy, being that the car was resold. The balance as of today, still does not reflect what the balance was at the time the car was sold. XXXX updated the results of the dispute of XX/XX/XXXX after it has been received via certified mail XX/XX/XXXX. I was not informed by email that the dispute has been updated. I am also not aware of the results or have been shown proof that the inaccuracy has been verified. I have logged online and searched everywhere to find the dispute results, and as of XX/XX/XXXX, I have still not been informed of the results. Only that the dispute is complete. Furthermore, I tried to call XXXX. I had to press 0 for an operator. They asked me to verify my social and my address then told me they could not connect me with an agent. I want to know who and how they verified this information being that I know it's inaccurate. I would like this matter to be further investigated and for this account to be deleted from my XXXX credit report. I would also like XXXX XXXX to be further investigated as well. They have quite the reputation, and their XXXX reviews further support that. Thank you for your assistance on this matter.
09/12/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	NC 28210	Web
I received a call on XX/XX/XXXX and my account representative with the company was like I owed {$810.00} for car insurance but back in XXXX I had made a big payment and she said all that would be included in the payment and that my next payment would be due in XXXX. So when she reached out and said I owe the {$810.00} I was confused and was like you said it was paid back in XXXX and that my next payment wasnt till XXXX and she was like thats what she thought and continued to say that my car would be cut off if I didnt make the payment so I told her I didnt have it to pay right then and there and so she asked when Ill be able to pay it I let her know I wasnt sure because I wasnt expecting to pay that kind of money and I told her I may be able to pay the following week and before we ended the call I asked her can she put what she said over the phone into an email and she said yes and we ended the call. When I didnt receive an email I reached out through email and asked again and never got a response I have continued to call leave voicemails and email them and have to yet receive a response.
02/14/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28269	Web
I have sent AMS of XXXX NC several certified letters to have this resolved and i have also wen in person and made several calls, but no one has ever esponded to anything have tried to do. I see on my credit report that this account is listed as open with a balance and to be honest the car was a lemon and i had to have several repairs on the car i was told if i just give it back we will call if even. but i see now that they are reporting incorrect information and i have tried for years and so many time to get this fixed they wont call back or even write a letter back i see that someone signed for the letter of dispute. I really need help this is unfair i have reached out to your company for help before but i have not or maybe don't understand what's going on. Please help me i have tried so hard to get this fixed. Thanks so very much signed a person being honest and trying to fix the wrong that has been done to me
06/30/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 28269	Web
I contacted Automotive Management in XX/XX/2022 in regards to sales contract and repossession information pertaining to a balance of {$7000.00} remaining on my credit report, however I was unsuccessful. Under the laws of the State of North Carolina and State RISA and MVISA statutes, a deficiency can not be claimed {$7000.00} unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Consumer never received any documents and the remaining balance being reported is now questioned due to the laws required not followed. Also From information gathered 15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined ( PLEASE READ ) there should have been no exchange of cash on the credit transaction therefore I am demanding a refund of the down payment amount {$1500.00}.
10/13/2015	No	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 28215	Web
Upon checking my credit report on XXXX/XXXX/2015 it appears that Automotive Management has increased the amount of my reported debt to credit agencies without notification from {$4500.00} to {$5800.00} increase of {$1200.00} ) Automotive Management has never informed me that they have assumed liability of a debt I owe or that I have signed into an agreement with Automotive Management. Nor has Automotive Management provided me with a notice of sale date, location, or details of said Vehicle repossessed by Automotive Management
10/19/2023	Yes	Vehicle loan or lease Lease	Incorrect information on your report Information belongs to someone else	NC 284XX	Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX and the date of the last letter was on XX/XX/. And now we are in the month of XX/XX/ and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
01/03/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	SC 29730	Web
I had purchased the XXXX from Crown 's Finance in XXXX XXXX back in XXXX of 2022 with a loan of XXXX that I was to pay off in 4 years or so and I wasn't able to keep paying off the car so I asked the loan officer XXXX XXXX XXXX XXXX XXXX located in XXXX to come and get my car in XXXX I believe and ever since then I feel like XXXX XXXX is still trying to collect payment from me because I voluntarily gave up my car back in XXXX of 2022.
11/01/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28078	Web
My Identity information had previously been compromised and used to open several accounts and inquires without my permission. This XXXX of them and is a fraudulent account. Automotive Management XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX auto loan XXXX opened- XXXX I 've currently submitted an identity theft report to The Federal Trade Commission as well as disputed this account with XXXX credit bureaus.
01/11/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28269	Web
I have called back in XXXX in the month of XXXX, XXXX I was advised to call the owner and I have called and sent certified letters and as of today 's date no response to any calls and or letters. I mailed the last certified letter back in XXXX XXXX 2017 and no response to anything.
11/16/2017	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28269	Web
Automotive Management Amount owed {$350.00} Installment My Identity information has previously been compromised and used to open several accounts without my permission. This is just one of them. This is a Fraudulent Account.
11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 28215	Web
Reports showing open accounts that was closed in XXXX. Still reporting as new account
04/05/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	NC 27360	Web	Servicemember

03/30/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 28213	Web

03/23/2023	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 33712	Web

06/20/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 27702	Web

05/17/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 28208	Phone

07/06/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28027	Web

02/27/2019	No	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect		Phone

01/13/2017	No	Consumer Loan Vehicle loan	Managing the loan or lease	NC 28215	Web

10/14/2015	No	Consumer Loan Vehicle loan	Managing the loan or lease	NC 28269	Web

04/13/2015	No	Consumer Loan Vehicle loan	Problems when you are unable to pay	NC 28216	Web

02/04/2015	No	Debt collection Auto	Disclosure verification of debt Not disclosed as an attempt to collect	NC 28215	Phone