Avid Acceptance, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/25/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NV 89148	Web	Servicemember
AVID ACCEPTANCE has been at will changing late payments, deciding that after 4 months a payment was made late already reported and made on time. To this effect, they now have me in a delinquency status, that is reporting to each bureau inaccurate, accosting, damaging 30 day late payments that are completely in violation of the FCRA, as I made payments on the date due. Having the date due moved took 4 months after initially attempting several times to have this adjusted to match my pay period, a threat of next day repossession even though the loan was not 31+ days late aka officially DELINQUENT PAST 30 DAYS/1 month from the last due date. Ive had lies told to me that they could not change what was being reported or has been, even though I have proof they did and do at will. I suspect this is to punish me as the XXXX late that was an on time pay, changed in XXXX when they reported and posted my payment on day XXXX out from the last payment due date and have been doing so since. This has crippled my post bankruptcy standings with my apartment complex as I am not able to credit qualify to add a unit lease due to these falsely reported delinquencies. They stated that because XXXX had 31 days, my payment was 31 days late on the due date of XX/XX/XXXX which is when I made the payment, on the date due. Then stated that it takes months for the CRAs to post late payment history which is flat out misinformation and lends to their lack of knowledge on how creditor/debtor tradeline credit reporting is 100 % on the creditor to validate, update, adjust, delete, fix and or change ANY tradeline history accurately and responsibility or not at all. Their website does not allow for posted date payments nor do they have any understanding of how the number of days does not float a fixed rate simple interest loan monthly due date. Besides them not actually moving the due date to a comfortable XXXX, they have misrepresented dates Ive made payments, not recorded payments in statements, and I have attached proof of archived credit reports, debits from my accounts, the dates to show that AVID ACCEPTANCE is playing fast and loose with my credit and the FCRA. Besides me being denied credit as this tradeline is my ONLY post BK creditor reporting negative information, accosting me in more ways than just the stress of dealing with your lienholder lender that is highly resistant to work with their debtor for the best outcome without having to escalate, intervene and educate via third parties. Instead, just lie or make up laws rules and regulations on credit reporting, just continue to damage my post BK standings, as if I am going to allow them to do so because they are unhappy that I fell less than 1 payment behind. Mind you our last convo after the XXXX was involved, they agreed to fix the XXXX payment back to paid as agreed, remove the erroneous other lates, offered a deferment and a due date change to the originally requested XX/XX/XXXXafter 6 on time payments. Credit reporting is not a tool to be used at whim to report inaccurate information because I stopped taking phone calls from them during rapid withdrawal from xanax in which I answered no phone calls from anyone due to the stress of increased anxiety via acute withdrawal. This is when they went and reported XXXX late 4 months later, and put my loan in 30 day late status for months, sometimes accidentally reporting correctly before changing it to 30 days late. I have all of the proof from my archived credit reports, and payments from my debit accounts. DUE DATE XXXX XXXX - XXXX AND XXXX REpoRTED LATE 31 DAYS+ PAYMENT MADE on DAY 30 XXXX - 1 FULL loan PAYMENT MADE before day 31, REPORTED LATE 31+ XXXX - ALREADY LATE - AFTER DEFERMENT, AFTER PAYMENT MADE ON TIME with 0 DAYS LATE! AVID decides to debit my account whenever they like even if it's debit the charge will not be taken for sometimes a full 4 days after I submit payment online. Their statements report no payments but the payment portal has some of my history. I will upload secure bank docs at request if needed
02/15/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IN 460XX	Web	Servicemember
I purchased a vehicle in XXXX, Avid Acceptance became my lender. Since maybe XXXX I stated having more problems making my payments and when I first contacted them to see if I could get some help, I was they dont refinance, I started having problems because the building I was living was infested with mold and making me and my child sick. In moving my rent increased but I had not had a pay increase in three years. I worked for out local housing authority which is non profit. During this time I also started school to increase my changes at gaining higher pay which some of my schooling was coming out my pocket. After struggling to make my payments, on XX/XX/XXXX, I spoke with Avid representatives and was told I could get deferment for one payment but my payments must be up to date. During this time, my employer was firing people left and right and I had to race to get a job. Here where I live, they dont keep people with proper KSOAs, they hire family and friends. I finally had to take another job which was less pay like {$200.00} less a month and I had to commute which meant more out of pocket such as gas, maintenance, oil changes are more frequent and trying to keep a roof over my head and pay my way through school so that {$200.00} really hurt to where Im borrowing money from friends for gas and have to pay that back. I never heard anything back about the deferment I submitted. They never sent anything in writing on if I was approved or not. When I mentioned this in a email, they said if I call them we can talk about it. In XXXX of XXXX, I made a XXXX dollar payment which was my school money and I have made payments after that which I found out they were planning to repo the car. Now I owe them XXXX after dropping that XXXX. I feel I am being taken because of my situation and feel Im getting punished. I told them I have paid off four other cars, the difference was the other company made it possible for us to make out payments by refinancing when we get into trouble out of our control. I have never heard of a company that dont refinance so the customer can be in control of their money and still live. I have a year left on this car, I told them I already know what they are going to do. They will set me up for failure then repo the car, I lose my job then they gon na want money. I have ask and explained what I was going through without success. Only thing I get from them is finger pointing and accusations about me not contacting them. Who do I talk to, I have like two and three people on my back either emailing me or calling all day. I have told them I cant answer my phone at work, we signed a document that we will not have our phones out. Right after work, I go feed my mom who has XXXX then class. Im tired of the harassment especially when I have called and tried to get them to help me. They want to control what I do. I told them Im starting a new job but I wont start until XX/XX/XXXX and they already asking for the address, I dont know the address yet. They want to know when Im going to pay the XXXX which I already to them in a email when Id be trying to make a payment. I can only it when I get my taxes and school money, this is keeping me from paying my medical bills and according to a budgeting specialist the car note needs to come down and they wont do it unless I refinance with someone else. This is not fair. I thought I saw a post on their reviews that they helped another person so what mays me different? Im over qualified for work here at home so I have to commute to jobs that pay more. Commuting cost! I have severe XXXX and XXXX and when I go through this, it affects my job and schooling, I start XXXX from XXXX and cant think straight because Ive been set off. There are other emails and this is another reason why I email, for records because I dont trust companies today.
04/19/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	NC 28054	Web
Avid Acceptance has contacted me numerous times this month and are contacting my 3rd party references repeatedly when I have already contacted them, they have acknowledged my contact with a response, and have set up a payment arrangement. Please see chronology : XXXX : XXXX XXXX at Avid emailed stating my account has a late fee and to contact them. XX/XX/XXXX : XXXX XXXX at Avid emailed statement the account has a late fee and it was imperative to contact by end of day to discuss payment options XX/XX/XXXX : XXXX emailed XXXX back stating " I have scheduled a payment for my XXXX payment to be pulled out on XX/XX/XXXX when I get paid again. '' XX/XX/XXXX : XXXX XXXX at Avid contacted 3rd party reference XXXX XXXX XX/XX/XXXX : XXXX XXXX at Avid emailed back stating " We would need more than the post dated amount of {$490.00}. '' <> XX/XX/XXXX : Avid Acceptance called my cell phone 3 times. XX/XX/XXXX : Avid Acceptance called " XXXX XXXX, a 3rd party reference. '' XX/XX/XXXX : Avid Acceptance called my cell phone twice ; XX/XX/XXXX : Avid Acceptance called " XXXX XXXX, a 3rd party reference. '' XX/XX/XXXX : XXXX XXXX emailed again stating " '' We have reached out to you several times and still haven't received a response. '' XXXX
10/20/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Loan opened without my consent or knowledge	GA 30263	Web	Servicemember
AVID ACCEPTANCE -XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Dear Sirs : On the XXXX day of XX/XX/XXXX I signed a contract with XXXX XXXX XXXX XXXX XXXX XXXX purchase A XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX at the price of XXXX XXXX with a down payment of XXXX. I wish to cancel that contract because the dealership knowingly withheld information from me and falsified documents. I have informed Avid Acceptance and other parties that I have been requesting the original contract that set the security interest in place. You keep sending me the retail installment agreement and the security interest- I am requesting the agreement that was set in place for the security interest. It has been 2 years and I was told a copy was going to be made and sent to me. You all included coverage for insurance in my numbers and these were not the original numbers that were agreed to. I have now included the lending party on the email because I have made them aware of the fraud that has taken place while Im still paying on the contract. You all at XXXX knowingly withheld information from me as well as told me my down payment would be returned to me and I still have yet to receive anything back. I have placed you all on notice for over the past 2 year now I am asking that you please provide me with the above-mentioned information as I will seek legal representation because you are and have been committing fraud and not giving me the appropriate documentation to provide to Avid acceptance. I have requested on a number of occasions that XXXX, please advise or XXXX can you provide me with the contract that set the security interest in place. I hereby exercise my right to rescind the agreement under the provisions of knowingly withholding information and falsification and fraud and ask that you return my deposit/down payment of {$1000.00} within XXXX days as required by law. Under Section 15 U.S Code 1605, 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. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. You can contact me via email @ XXXX I look forward to a speedy resolution to this matter. Yours truly, By : XXXX XXXX : XXXX XXXX
01/07/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NC 28147	Web
On XXXX XXXX, XXXX I was in a car accident. The deductible to repair my car was {$500.00} so on XXXX XXXX, XXXX I contacted the company the car is financed with to notify them what had happened and I requested a payment extension for the month of XXXX to help cover the deductible. The finance company is Avid Acceptance and the agent I spoke with is XXXX XXXX. The contact info I have is XXXX ext XXXX. I was told I could have an extension for the month of XXXX and he emailed me a document on XX/XX/XXXX stating as such. The email and form said to reply to the email that I accept the terms and it would be processed, which I did. I assumed the matter was taken care of until I received a voicemail from someone at Avid Acceptance named XXXX, same number but her extension is XXXX, on XX/XX/XXXX claiming to be XXXX XXXX supervisor and stating that I had not responded to the extension document, which I had. Upon returning her call that day I was connected with XXXX again who informed me that the XXXX extension had not been processed and I would need to make the payment and he would try to defer XXXX to get me on track. This was also sent in an email from him to me on XX/XX/XXXX. On XX/XX/XXXX I was again contacted by this 'XXXX '' who never seemed to want to talk after leaving a message to contact her ASAP, again I was connected to XXXX who gave me the run around again and was adamant about me making a payment for XXXX. My credit report was also reported as a late payment over 30 days at this time. On XX/XX/XXXX I submitted a payment in the amount of {$400.00} which was supposed to be my XXXX payment due on the XXXX but was in fact credited as payment for XXXX. I began calling everyday to speak with either XXXX or XXXX and emailed also with no response as of today. I have recorded phone conversations being told over and over that XXXX and/or XXXX are busy or out of the office with different agents asking to help me until I explain the situation and its passed on. I am concerned they are avoiding the extension that was promised and trying to destroy my credit in the process. I am currently in Chapter XXXX and this finance company was selected by my trustee as the car was purchased while I am in bankruptcy. My monthly funds are limited and I requested one simple extension which In writing looked legit but no one can seem to make happen in reality. I have documentation, voicemails and recordings to support my claim.
12/04/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	OH 44102	Web
I have had nothing but issues with Avid acceptance dealing with their customer service and how their staff treats the consumer. My account manager at Avid acceptance has been unprofessional, rude, plain out terrible. My car note payment is due on the XXXX of each month, And because of how my income I have coming in, I have been up to 10 days late for the last few months however based in my contract I was told that there's a 10-day grace. Before a late fee occurs recently for my payment that was due XX/XX/XXXX I was late about 5 to 6 days before I received a email from the account manager with Avid acceptance who I advised a supervisor that I dont want contacting me at all. I have spoken on multiple occasions with representatives there in their office asking for this account manager not to contact me do to her unprofessionalism that she has shown on multiple calls we've had the last communication with her happened in XX/XX/XXXX where I had some vandalism to my car and I requested for a deferment for that month in order to have the repairs done and not fall behind on my car note at that time.When I called Avid Acceptance she started yelling at me and hung up on me that day, I spoke with supervisor but was told the deferment was approved, however in the email I recently received XX/XX/XXXX again because I was past due on my XX/XX/XXXX payment I was threatened with having a post deferment review which I don't even know the definition of that but it seems as if their office wants to back out my deferment for my XX/XX/XXXX payment when it was approved prior to this situation. I was only 6 days past due for my XX/XX/XXXX payment and to send me an email about my deferment from XX/XX/XXXX will be under review, I find this is deceptive practice and I've asked for a manager to call me and I still have not received the call to this day, I dont think anyone should receive emails with this type of request period, especially when you are 6 days past the due date when in your contract you were given a 10 day grace period before a late fee, this company is absolutely the worst and i will continue to make complaints against them when something that seems deceptive and unfair happens. I was also told that a manager approved this email prior to sending it out. Also my account has been paid current as of XX/XX/XXXX
11/10/2018	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CO 80210	Web
on XX/XX/XXXX my Son died at that time I was unable to work and my wife was temporary laid off from her job. Avid Acceptance is my car loan provider. After I became late with my payment was repeatedly contacted by XXXX XXXX with said company. Not only did she attempt to contact my by phone but also email on a daily basis. She even contacted both people that I gave as references discussing my matters. she has done this twice now contacting a 3rd party about my situation. I set up a payment plan to get back on track and she continue to call and email about 'are you going to make your payment ' 'I am going to escalate your case and you won't like it ' this is after i made arrangements to make 2 payment within 2 days of each other totaling {$1500.00}. She then proceeded to call and email saying I still owe {$200.00} for XXXX and that I need to pay that. I set up another arraignment for a payment were I told her that I will make the {$200.00} payment plus my normal payment which is due on XX/XX/XXXX. on XX/XX/XXXX email communication I told Mrs XXXX that payment will be made on XX/XX/XXXX. I can forward all email and phone records and still have voice mail messages. here is part of last email between Mrs XXXX and myself Me : Are you touching base with me why are you calling references that were provided because if I say Im going to pay the bill on the 16th like I did Im going to pay the bill on the 16th the same way I told you I was going to pay the bill last month and it was paid so please if youre going to sit and call references again Im gon na sit and file harassment charges with the attorney general in the state of Colorado Mrs XXXX : If I dont get ahold of you I have to get in contact with a reference. I have been calling and emailing with no response. Me : And actually theres no need for you to get a hold of me considering we already had a agreement I am not now its considered carafe minutes ( voice to text was suppose to be HARASSMENT ) if you want to keep doing it go ahead but this will be my last response to you either way. Agreement to pay was made. Now its harassment after the last email she finally stopped
09/16/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	GA 30180	Web
The auto loan we have with avid acceptance has been in great standings from the first date of open. This month someone emailed me about the payment, I am still within my 10 days before it becomes late. I expressed to the representative that the car was being paid off and requested a 30 day payoff. This was their response. Thank you for getting back to me. The 30-day payoff amount is {$8400.00}, good until the XXXX of XXXX. While you are in the process of paying off the loan, we will still need the payment within the grace period ending Friday XX/XX/16. I already explained my intentions. Several collection calls have been made since then. Then I got this email on XX/XX/16 Please reach out to me to discuss options for your account. If there is no communication, collection efforts will continue to escalate. The sooner we know what the issue is and what your intentions are, the sooner we can help. Contact me today to discuss options and deadlines. I had already spoke with previous representative about my intentions so why am I being threatened with escalated collection efforts? I have never had missed payments on this loan. Yet I am being treated as if I am skipping out on my debt. My response was this. I have already explained to the first representative. The car is being paid off. There has yet to be a late fee on my account yet I'm being threatened with futher collection actions? The payoff will be paid within the next 30 days. Please make a note on my account so I do not continue to get threatening emails. I understand your " policy '' however this is the plan. * & this is what I received in return. I will notate this on your file, however, there will be a late fee assessed at end of business today. Until the payoff is received, you are still responsible for payments to be made on time. Accurate reporting and collection efforts will continue. *if I am in communication with the company about my intentions I do no feel it is right for escalated collections. This is not fair practice at all.
01/22/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 80011	Web
We purchased a new Vehicle in XX/XX/XXXX and made our first Payment XX/XX/XXXX. We have a high interest rate so planned to pay extra to the principal as we could. The website for Avid acceptance states that to pay extra to the principal we just need to pay extra on the car payment and it will be applied to our principal balance. As the year has progressed I have kept track of my payments and the information posted on my statements. My base payment is {$320.00} monthly. XX/XX/XXXX I paid {$320.00} and from XXXX XXXX I paid {$350.00}, XXXX XXXX-XXXX XXXX I paid {$400.00} each month. When I was reviewing my loan information in the hopes of refinancing for a lower interest rate my Principal balance did not seem to reflect any additional payments made. as I did the math to check if I was wrong, I found there is close to {$60.00} a month unaccounted for on any of my statements. When I called and spoke to a customer service representative at Avid Acceptance today he stated that my statement was generated on the XXXX or XXXX of the month and my payment was processed on the XXXX of the month, so, all those days between the statement and the payment I accrued interest which was taken out of the additional money I paid that was meant for principal. This money is not reflected anywhere on any of my statements and Directly opposes the policy listed on their website on how extra is to be paid to principal. When I asked why that 12-13 days of interest every month was not accounted for on my statements the customer service representative I spoke with only explained the same thing to me again. this cycle happened 4 times before I finally gave up trying to get a strait answer. Financially, I should be able to track every cent that I pay to this company with the statements they provide me, and It is clear that this is not occurring. Additionally, I have not had a statement generated in either XX/XX/XXXX or XX/XX/XXXX, according to the Customer Service representative that I spoke with this is because I am ahead of my payments?
10/26/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	IN 460XX	Web	Servicemember
This complaint is from a prior complaint from XX/XX/XXXX on the same company. Later that afternoon I received an email from XXXX XXXX the account manager sending me a delinquent account notice That my account was past due and the payment was due on XX/XX/XXXX. Now if I am not mistaken, when I made my {$200.00} payment at the end of XX/XX/XXXX, that payment cleared on XX/XX/XXXX, that bought me to current according to customer service. I told them I would call in the make my next payment which would have been after XX/XX/XXXX. That is the payment they took out of my account without notice and after I stated do not take any more money out of my account, I had to contact them to make them put that money back because I already had that money in budget for someone else and I would make my payment by XX/XX/XXXX. They ended up giving my money back on XX/XX/XXXX. During my conversation on XX/XX/XXXX, I told them I do not want the auto pay and I will call in my payment. I called on XX/XX/XXXX to make my payment of {$190.00} and stated I will make another payment by the end of the month. Again on XX/XX/XXXX, they went into my account against my wishes creating over drafts that I am responsible for. That money was budgeted to put my car in the shop and I did not know what was going to be charged. My car note $ XXXX monthly and they got their money on XX/XX/XXXX and XX/XX/XXXX. Then that is when I get another email from XXXX XXXX XXXX saying " Just reminding you that your car payment was due on XX/XX/XXXX. You can pay online, or feel free to call into the office at XXXX with your payment information and we would be happy to get it submitted for you. I was advised in the past that they do not keep your payment information in the system once the payment has been rejected then they have to put the information in the system again and basically verify. I use to get notifications that the payments were coming out but now I do not get anything up until now.
11/08/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CO 80907	Web	Servicemember
My husband and I purchased a XXXX in XXXX right after filling bankruptcy. The financial institution that financed the auto loan was Avid Acceptance out of Utah. We made every months payment on the vehicle for almost a year. My only brother was murdered in XXXX and I had to pay for his funeral costs etc. So the vehicle was repossessed and sold at auction for an undisclosed amount. I never received any documentation with the auction amount Avid Acceptance received for the vehicle. Avid Acceptance is currently on all XXXX credit bureaus for my husband and I. Avid Acceptance has applied numerous fees to the balance since XXXX. One charge that's applied every month since the vehicle was repossessed in XXXX includes {$540.00} dollars which was the vehicle payment. The vehicle was repossessed and sold at auction and even after they sold the vehicle, they continue to add a monthly charge of {$540.00} for non payment of auto loan. How can we still owe a monthly payment on a vehicle that was sold at auction in XXXX. The balance is almost {$30000.00} dollars because of these charges and fees. They have and continue to update every month to all XXXX major credit bureaus for my husband and I for the past 6 years. I have requested numerous times for documentation. I have disputed this item with each credit bureau each month, and without fail the item doesn't get removed and the balance continues to increase. Im not sure what to do at this point. I know by law the financial institution has to provide us with a letter of the amount the vehicle was sold for at auction and they didn't do that either. I hope someone can help us. Thank you for your time.
12/09/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AZ 85209	Web	Older American
The company in question is AVID Acceptance out of Utah/ We are not struggling per say but we pay a few days late, not 30 days late as of yet and for the last three years we have this loan. The loan itself is and has been a predatory loan on which we were charged excesive fees from the dealer but more importasntly we are, we were and we will be charged over 18 % interest rate. The balance does not go down at all. At the time we needed the vehicle and we agreed to the terms. It is still predatory because our credit history was small. Everything was paid on time but there was not a lor of trade lines. To the day these insipid people call us everyday and sometimes twice a day. My wife get interrupted at work and it's simply harrasment that I am going to stop at any cost. Last week we hit the bottom when they offered a " deal '' to my wife to postpone the payment for XXXX until the end of the loan so we could have a breather for this month in the midst of a pandemic and with XXXX upon us. After the disgusting loan clerk/collector got the document signed by my wife, they said we neded to still pay XXXX yesterday. That did not make sense other thatn this company continue to steal our money in fees and scams/ Bait and switch kind of procedure. We cancelled the " deal '' and paid XXXX. At this point if possible I want to report this company for harrasment, deceptive practises, predatory lending and whatever else applies. They are a firm that I will never recommend to anybody else and would like to take them to court. Please notify me of any action I can take in your behalf.
07/17/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 30241	Web
I currently have an auto loan with Avid Acceptance. I made two payments in the month of XX/XX/2023 ; I paid {$500.00} on XX/XX/XXXX over the phone with XXXX XXXX, and I made another payment on XX/XX/XXXX in the amount of {$350.00} ( not including the {$7.00} processing fee ). These payments are not reflected on my online account. It's showing that the last payment was made in XX/XX/2023, which is incorrect. I have reached out to several representatives via email ( which I have attached ) and I have not received a resolution to this matter. Yes, my payment history has been sporadic lately but as I explained to them I am currently homeless, and I paid {$850.00} last month and agreed to come up with over {$700.00} this month to get this account caught up. I receive daily emails regarding my account. The last email I received from XXXX XXXX was today, XX/XX/2023, and all she did was apologize for it not showing accurately on my end, but stated that it is showing correctly on their end. She offered to send me a print out of my account history, but I'm not accepting that because I have no idea if this with be something randomly typed up by Avid Acceptance. They are more concerned about obtaining more money from me as opposed to ensuring that the balance online is correct. So right now I have inaccurate data as far as my loan balance, pay off amount, etc., and I do not feel comfortable paying them any more money until this issue is resolved and will not do so. I look forward to a swift resolution to this matter.
01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA XXXXX	Web
I reached out to Avid well during the COVID months when the governor and federal orders were in effect to inquire about options with a job loss. I was treated very rude and ignored, no options. I was later told about an email that was sent months later, that went to junk mail so I didn't have an option to respond. After several months of Avid reporting late to the bureau despite the Covid relief order, I reached out regularly nearly begging them to correct as it was ruining my credit! In fact, they reached out to me regularly for payments and I asked about the status of updating my credit report. Each time, I was told they don't have time to update, it was a big project etc. Finally I filed a better business bureau complaint. That got the attention of administration XXXX XXXX that reached out immediately indicating he would rectify the problem. Despite his efforts to rectify the problem and update my credit history, somehow, I got a notification from the credit bureau that the account was deleted even more so damaging my credit as I had a lengthy credit history with Avid. I reached out to XXXX to inform him of the same. I hand wrote each credit bureau to dispute and request them to contact XXXX directly to confirm and update my credit reports. I received an updated credit report saying updated, however, the late payments are still reflected on my credit report.
06/09/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 852XX	Web
I was advised by XXXX employees ( XXXX males ) that I would havea due date change after making my payments, which did not workwith my pay cycles. I made the payments and when I inquiredabout the due date change there was a delay in their response tome so it caused me to be late again. When I asked about whatwas promised and said to me on the phone they had nodocumentation and calls are not recorded. I feel like I had beendiscriminated against, being a single woman. In 2012 I was eventold that I should have planned better when I went out on XXXX. When I called to make arrangments after being in thehospital I spoke with XXXX. I said I refuse to speak to anothermale at this company I felt discriminated against and wanted afemale. He said I had to deal with him, I requested a femalemanager or female account rep. He replied there are no femalemanagers and that he is now reviewing my account. I explainedthat I am going to report this to because that is hard to believe. He asked what XXXX issues I was having and I again explainedI refuse to speak to him and wanted a female. They requesteddocuments of my XXXX issues or something showing that I wasin the hospital. I thought this was only required when you are filingfor XXXX insurance to make your payments. I will supply copiesof XXXX bills, but feel like it release my XXXX information whichthey do not need.
07/07/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	TN 37660	Web
I have been harassed via phone by XXXX XXXX with Avid Acceptance about a previous loan I had with his company. XXXX XXXX I fell victim to a flood and my car that was financed through this company was deemed a total loss. My apartment and all of my family 's contents were destroyed. My insurance company did not pay the full value of the car nor did I have Gap insurance as I was told I had. I never thought to check the information but found out the hard way after my car was totaled out. Insurance then pushed me to get a new vehicle or be without a car or get a rental at my own expense. I spoke with the Avid Acceptance whom told me they would not finance me until my current loan was paid off. I had to go through another company to get a car for my family, clothes, place to live etc. XXXX has been calling my boss stating that I gave her as a personal reference apparently she gets so many calls she begged me to call him, and tell him to stop calling her. I was not made aware that I could make this complaint or even if something will be done about it. I just need him to stop calling my boss. I have tried to negotiate to get this debt taken care of but what I can afford and what they want me to pay are two different things. I can not even get on the website to make some kind of payment because he says he can not agree with it.
11/09/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	NC 28054	Web
I filed a CFPB complaint against Avid Acceptance back in XXXX for the same communication issues. This company is harassing me AGAIN and making fraudulent statements. I respond to all communications, and yet they continue to say I do not respond to anything or communicate with them. They say they call me, yet I have received XXXX phone calls from them. I have received XXXX email communications 3 days in a row, to which I have responded to all of them. My XXXX payment is due ( due XX/XX/XXXX ) I am aware. I replied back to their email on XXXX asking them what number they were calling ( since I have given them my new cell phone multiple times ( XX/XX/XXXX, and XX/XX/XXXX ). I have received to date XXXX emails indicating they are calling me ( which they are not ), and that they have received no response from me, but I have replied to every email. Additionally, I get emails from multiple people. They stated in the email on XXXX, they have left previous messages with no response, however my call logs from XXXX, for my cell phone number, XXXX, would prove otherwise. XXXX is attached. From the date of my payment due date, XX/XX/XXXX through yesterday, XX/XX/XXXX, there are no incoming or missed calls from Avid Acceptance. This is harassment. Lying saying I am not replying is simply ridiculous. Email proof attached.
10/08/2017	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	NC XXXXX	Web	Servicemember
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XX/XX/2017 As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
01/07/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30168	Web
On XXXX I received a call from XXXX from Avid Acceptance attempting to collect payment for my vehicle. At the time the account was 11 days past due, I advised her I was unable to make a payment at that time. She transferred the call to a male name XXXX, he never disclosed his title he simply advised me I had to make a payment with him because they were closing the books, he stated I was a bad paying customer, I advised I would be able to make a payment the following week on XX/XX/XXXX. He refused to set up the arrangement for the day I requested, he then demanded I make XXXX payments on XXXX, I once again advised him I was only able to make XXXX payment on the XXXX he proceeded by saying you have a few hours before we close the books to come up with {$330.00} & disconnected the call. My payments are due on the XXXX of every month I should n't be forced to pay before my due date because the representative wants to meet his quota. I should not be denied to make a payment, be hung up on, & disrespected! I was not allowed the opportunity to give him the reasons for delinquency. XXXX was very disrespectful, very aggressive I felt pressured bullied by this individual. At no point in time did I raise my voice or used any type of profanity to be mistreated the way he did.
06/15/2017	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 22556	Web	Servicemember
First of all, I owe more than what the vehicle is valued a difference of over {$12000.00}. I was initially told that the fact I missed a payment in XXXX I was never caught up, which I have never been over 30 days late. I also did not miss a payment, I overpaid and the customer service representative stated that I did not have anything due till XXXX . They also tend to make threatening phone calls, stating they will repo your vehicle even if you are 1 or 2 days late and after they repo the vehicle they will also garnish your paycheck. They charge daily interest fees which was not included in the contract and they are also not willing to work with you on your payments, no matter what the situ ation may be. Unabl e to trade in the vehicle due to the value and loan amount still owed on the vehicle, which is literally the same amount of a new vehicle. With the extreme interest rates and finance charges and fees, one would never be able to pay off a vehicle with this company, you will literally be stuck. I do n't understand how this company is even in business or able to conduct business. Please READ the contract before signing, especially if it 's AVID ACCEPTANCE! They are worse than havin g a Student Loan!
12/13/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OH 435XX	Web
I have tried several times for the life of this loan to gain access to a billing statement with AVID ACCEPTANCT. I never receive one. Anytime I have asked an employee to fix it so that I get a copy of a bill sent to me monthly, they recap my address and do nothing else. Even after several failed attempts at asking for help in gain access to my account information via a billing statement, I still never received one. I have not received a billing statement for the past 1.5 years. I can never seem to gain access to my account via their web address. Even if I change the password it still doesn't work. I always have to pay my bill by bypassing gaining access to my account and entering an account number and the amount due in hopes that its posted to my account. I can not see if it has been posted to my account because I don't have access to their website and I NEVER receive a bill. As a consumer I should be able to have access to : 1. How much my payment is for 2. How much of my payment is paid in interest 3. How much of my payment is paid to principle 4. How much is left on my loan to pay it off. The financial company is extremely annoying and does not abide by CFPB laws.
04/29/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60177	Web
I have already placed this company on a cease and desist for repeated call to my job, and they still called after. Now the most recent on going issues is the collection tactics. The threatening of repossession when my account is less than a half payment due and not even 30 days late. Sending me strict compliance letters and Im not even 30 days past due and again we are talking less than a half a payment. Im in constant communication and always pay when stated yet calls and e-mails continue along with the threats of repo. Again for a half a payment that isnt even 30 days late. Its stressful, beyond actually considering I just replaced a XXXX transmission and still made the payment. Ive talked to management and reps and still here today received a pre repossession letter for 1/2 payment past due for XXXX, which by the way has been paid today as stated would be. I am a collections manger and comply with the FDCPA this company does not. And lastly a partial payment in Illinois requires you to resend the strict compliance, so that statement in this letter is in fact I believe to be false. Please stop threatening me with repo for less than a half payment thats not 30 days late.
12/14/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	AZ 85209	Web	Older American
Good morning, I submitted a complaint for a number of violations conducted by Avid acceptance located in Utah. A car loan financing company that charges excessive fees, excessive interest rates, commit predatory lending and promote deceitful advertising as well as harassment over the phone. I have not received any notification from you as of yet with potential solutions and steps to take or advise on how to proceed with the scam or scams perpetrated by this institution. I am aware of the preference of some companies to communicate via emails or text messages. As a courtesy and due to the pandemic I am communicating again asking for your assistance. My assistance requirements are no to peddle money or get free anything. My desire and mission is to bring scoundrels like these to a higher authority so they stop their horrible and misleading practices against me and perhaps against other victims. If at all possible I would like to get an update of my previous complaint on the same subject. My information can be found under : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX My email address is XXXX Thank you in advance and please stay safe.
12/20/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	WA 98682	Web
When I first purchased the vehicle, I was told by the dealership that the loan would be due in 45 days. When I spoke with the lending company, they told me that wasn't true - the paperwork was submitted for 30 days. I explained that I could not make a payment at the beginning of the month, that I would need to have my payments due after the XXXX of each month. I was told there was nothing they could do to change the payment date. I've since gotten behind, and can not keep up with the late fees. Because my account is now past due, they tell me that they will consider changing my due date once my account is current, but will continue charging me late fees if I don't pay at the beginning of each month. Beyond being unreasonable about the due date of my payment, they refuse to take any form of payment from me aside from a credit card payment. They charge a {$7.00} fee to make a credit card payment. They refuse to waive the fee even though they will not accept any other form of payment from me.
04/19/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	VA 239XX	Web
In XX/XX/XXXX I bought a car at XXXX XXXX XXXX XXXX XXXX XXXX. I made my monthly payments on time. Then XX/XX/XXXX, the car broke down on the side of the road. In a matter of three days, I had to pay a little over {$2800.00} to service and repair the car. I called Avid Acceptance, the financer, and explained that I would not have my car payment on XX/XX/XXXX because I used every cent I had to get the car working. They told me that they could not help me. I made the following payments : XXXX XX/XX/XXXX XX/XX/XXXX {$460.00} {$0.00} XXXX Completed XXXX XX/XX/XXXX XX/XX/XXXX {$420.00} {$0.00} XXXX Completed I had one scheduled on XX/XX/XXXX but was unable to make that one. Now, Avid Acceptance says that I need to make two payments. They are refusing to accept one payment on XX/XX/XXXX and another payment later. My new payment is due XX/XX/XXXX. They say because it is so close to the new payment they must have both. Is it legal for them to not accept my payment?
11/02/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CO 80112	Web
complain about AVID ACCEPTENCE. ON XX/XX/XXXX i had agreement with them. as long i pay them my monthly payments. they not going to come after me for late fee. I record as voicemail from their lawyer with this agreement. his name XXXX XXXX. plus i have proof from my lawyer. And i was paying since XX/XX/XXXX or XXXX a month. but on XX/XX/XXXX i receive phone call from avid telling me that i owe to them XXXX dollars as the late fee from XX/XX/XXXX to XX/XX/XXXX when i couldn't pay because i was battle with XXXX ( XXXX and hospital XXXX, XXXX XXXX thru XXXX ) plus covit. was on medical leave plus XXXX. thats why i had that agreement with there lawyer. but the represenative dont care hi said i need to pay XXXX they repossesset the car. and they didon XX/XX/XXXX. then they send me the letter that i broke the promise in our agreement, but i didn'i have proof they did. if they will go after me more i will put this case to court. thank you
12/21/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	CO 80013	Web
Unfortunantly I am not in the best health and I have to have XXXX due to a XXXX XXXX in a few days, so I called avid acceptance to see if I could get a deferred payment for this month. The first guy I spoke to said : yes we do deferred payments and I will have your loan manager give you a call. waited a day and I still didn't get any call, so I called this morning and I was told that people are on a waiting list for deferred payments and they could put me on the list for a deferred payment. So basically they are only given allotted deferments and since I was not on the list I could get a deferment. Again I explained to the lady I was talking to that at this time I have no money, and unable to work. I asked to speak to a supervisor and was put on hold for XXXX minutes, and she stated that the supervisor went into a meeting but said I could get a deferment for XXXX. so this whole you have to be on a waiting list is pathetic.
12/31/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 80917	Web
I had this loan for about 2 almost 3 years my income changed around XX/XX/XXXX and had issues keep up with the payments. that's when the calling and emailing started they would contact me every hour by email and phone about my account I told them over the phone and by email they they no longer have my permission to contact me by my cell phone or email. I told them they can correspond by mail. they stopped for about 6 months and began to call my cellphone again around XX/XX/XXXX leaving messages for my husband when I told them not to call my cell it was distraction at my job. I had not gotten anything in the mail for the last 3 months. I've tired calling but the line disconnects each time a associate comes on the phone and they continue to call my cellphone leaving messages for my husband when they have is number leaving voicemails on his cell as well. When I asked to refi my loan when my income changed they refused.
06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46219	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. AVID ACCEPTANCE XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
03/07/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85140	Web
I requested the company correct their reporting on my credit report and they responded with a threat to garnish my wages and withdraw the signed payment agreement we currently have that has not been broken by myself in any way. They are now threatening to void the signed contract and force me into other options I can not do. The options they are trying to force me into are as follows 1. sign a new agreement for a higher payment amount that they know I cant afford. 2. Settle the amount in two lump sum payments again they know I cant afford. 3. Threatening me to garnish and they only way to avoid it ( in their own words is to file chapter XXXX bankruptcy which I cant do. They have contacted my employer to ask personal questions about my pay and advise my employer of my debt and their threats. They have also refused to respond to me in regard to the incorrect reporting on my credit.
12/09/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	VA 245XX	Web
My car was repossessed on XX/XX/2021. I was given until XXXX before it would be taken to the auction. I went to my lawyer to have my bankruptcy amended to include the car because I wanted to retain the car. I went to my lawyer on XX/XX/XXXX to begin the process. My lawyer was very negligent in answering my phones calls and keeping our appointments. I let Avid know that my intention was to keep the vehicle. I was told by several of their employees that they would note my account and assist me as much as they could. Their bankruptcy department was also negligent in responding to my calls and texts as well. I was still being told the car was not at the auction. My lawyer submitted the necessary paperwork on XX/XX/XXXX. Avid still was not communicating. Even after the car was taken to auction I still attempted to get it back but they said they couldn't reach my lawyer.
02/28/2019	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 76114	Web
XX/XX/2019 - late payment. XXXX from Avid acceptance called my job. I'm not allowed to have personal calls. I told her I'm not allowed to have personal calls. She tried to become aggressive with me before I could hang up. XX/XX/2019 - late payment. XXXX called my parents, and my parents told XXXX to stop calling them. XX/XX/2019 : late payment : XXXX called my office again. My office extension is broken, so I wasn't able to pick it up. So, my receptionist paged me. I wasn't able to get the call in time before the person hung up. About thirty seconds later, my cell phone rings. It's XXXX from Avid Acceptance. I asked her if she called my office, and she said yes. I told her to stop calling me, again. She then became verbally angry and yelled at me " WHEN ARE YOU GOING TO MAKE YOUR NEXT PAYMENT?! '' Then, I hung up and created this complaint.
07/25/2017	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IN XXXXX	Web	Servicemember
On XXXX XXXX , 2017 I w as hit by a drunk driver and the damage of this accident resulted in my car being totaled out ap prox X/XX/2017 b y my insurance comp any. Avid Acceptance has reported me as late on payments ( have only one late payment history with t hem up to this point ) all the way fro m XX/XX/XXXX throu gh to XX/XX/XXXX even though they where well away of the accident and the fact that the insurance company is waiting on them, they continue to delay on providing a letter of guarantee to my insurance company. There has been no contact with me despite my attempts but continue to report me as late on my payments. I have disputed and the results come back stating they are right in their reporting. I do n't understand how they are right in their reporting and how the reporting can be considered accurate.
02/18/2023	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 Their investigation did not fix an error on your report	IN 461XX	Web	Servicemember
I have submitted a dispute three times that this account was not included in a bankruptcy that was filed XX/XX/XXXX. I opened the loan with Avid Acceptance LLC with my spouse XXXX XXXX the day AFTER and never amended to include that auto loan in with the XXXX XXXX bankruptcy. My bankruptcy was discharged XX/XX/XXXX. I voluntarily surrendered this car XX/XX/XXXX. In XXXX of XXXX an agreed entry for a repayment plan was entered into with Avid Acceptance LLC in XXXX XXXX courts. I made monthly payments in the amount of {$150.00}. On XX/XX/XXXX, I paid the remaining balance of {$10000.00}. XXXX is still reporting as I owed a balance of {$20000.00} roughly and it was included in XXXX XXXX bankruptcy. I have submitted all documentation several times and neither XXXX nor XXXX will correct this
10/12/2022	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 60609	Web
My finance company does not report correct information to the credit bureau. I started my loan with this company XX/XX/2020. Since then I have made my payments on time. They are not reporting my payments to the credit bureau and it states on my XXXX report that I owe them {$14000.00} since XX/XX/2020. When I called them to ask why they have not updated my report to show that I have made on time payments for the last 2 years, I was advised that " they do not report to the credit bureau unless you are more than 30 days late or you have paid the loan off. '' This is keeping my credit score from going up since this is the biggest loan I have at this time and it shows as negative activity when the amount has not changed in 2 years. This is also keeping me from getting a home loan.
02/18/2023	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 Their investigation did not fix an error on your report	IN 461XX	Web	Servicemember
I have submitted a dispute three times that this account was not included in a bankruptcy that was filed XX/XX/XXXX. I opened the loan with Avid Acceptance LLC the day AFTER and never amended to include that auto loan in with the XXXX XXXX bankruptcy. My bankruptcy was discharged XX/XX/XXXX. I voluntarily surrendered this car XXXX XXXXXX/XX/XXXX. In XXXX of XXXX an agreed entry for a repayment plan was entered into with Avid Acceptance LLC in XXXX XXXX courts. I made monthly payments in the amount of {$150.00}. On XX/XX/XXXX, I paid the remaining balance of {$10000.00}. Avid is still reporting as I owed a balance of {$20000.00} roughly and it was included in XXXX XXXX bankruptcy. I have submitted all documentation several times and neither Avid nor XXXX will correct this.
08/22/2019	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CO 80123	Web
Ok so the vehicle in question was in a recall for emissions fraud XXXX XXXX XXXX buyback. They Settled for a fix amount for a fixed time period. And a fixed mileage. This company knowing this was trying to get me to pay during the time for the time it took for payout of the vehicle. As you see the vehicle is paid off in full because of the buy back program agreement. I hadnt missed a payment until the settlement was finished. This company avid pressured me everyday for payment doing this time. I refuse to pay twice for a vehicle that was being paid in full so they Decided to report me during that time in question. And again I disputed how is that fair credit reporting. It my be close but how they reported this is absurd. But it ok you guy keep siding with them!
01/31/2024	Yes	Vehicle loan or lease Lease	Repossession Damage caused or loss of personal items in vehicle during the actual repossession	IL 60002	Web
Needed assistance with obtaining another vehicle because the vehicle I leased through the finance company will no longer be in my possession because I was rear-ended from someone that did not have any insurance and my insurance company first gave me an estimate to fix the vehicle you did not want to pay so they contact my finance company to pay them XXXX which the vehicle is at {$16000.00} which I had the vehicle since 2021 of XXXX and when I first got the vehicle it was at maybe XXXX so nothing went down under vehicle in a vehicle is at still XXXX not only did the finance company settle for the settlement from the insurance company they were not willing to help me with obtaining a new vehicle through them when I was not the cause of the accident
01/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94568	Web
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, Avid Accepta add a hard inquiry on my credit report. On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report. On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
07/10/2017	No	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	AZ 85364	Web
I purchased a vehicle with XXXX XXXX XXXX, XXXX located in XXXX, AZ and was financed with Avid Acceptance LLC located in XXXX XXXX, UT. I never received vehicle since this was a online transaction. I found out that Avid Acceptance , LLC sent money to XXXX XXXX XXXX, XXXX and the owner XXXX XXXX never paid the floor for titles on vehicles. I am 1 of 6 victims of title fraud and Avid Acceptance , LLC just found out recently. Both Avid Acceptance , LLC as well as me, the consumer have been victimized by this XXXX XXXX XXXX, XXXX XXXX. I have currently submitted online complaint with the AZ Attorney General as well as title complaint with AZDOT and have placed fraud alerts via XXXX. I also have been working with a detective XXXX XXXX XXXX.
08/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44313	Web
There are hard inquiries on my credit reports for XXXX and XXXX from XX/XX/2020 from various banks. I did not authorize any of these organizations to run my credit and I did not apply for a loan with any of these organizations. I did not authorize any third party to run credit on my behalf. I believe this is an attempt at identity theft. In some cases, there are even multiple inquiries from the same company on the same date. Below is a list of inquiries on XX/XX/2020 on my XXXX report. XXXX XXXX XXXX - 2 inquiries on Same date! XXXX XXXX XXXX XXXX is a list of inquiries on XX/XX/2020 on my XXXX report. Avid Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/09/2021	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	CO 80014	Web
I have an auto loan through AVID Acceptance. I am currently 9 days past due with plans to pay this Friday, XX/XX/XXXX. Last XXXX, XXXX, they contacted my employer, XXXX XXXX. They left a voicemail which was forwarded to me by our customer service department. I asked the representative, XXXX, from Avid Acceptance to not call my employer any more. He said that shouldn't be a problem and he would notate the account and remove the number. Today, XXXX XXXX, XXXX, they called my employer. I received the recording from our customer service department. This is after I asked them to stop months ago.
11/17/2019	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	AL XXXXX	Web
A representative from a dealership XXXX XXXX attempted to get me in a new vehicle after bankruptcy. Mr . XXXX was aware of me not wanting to get a new because I reaffirmed my current car. He called me because my info was given to him somehow from when I filed bankruptcy. My credit report was pulled anyways and it shows inquiries from these companies dated XXXX XXXX, 2019 from the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Avid, XXXX, I did not get another vehicle and would like these inquiries removed from my credit file.
10/09/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	GA 30318	Web
I brought my car from XXXX XXXX XXXX in XXXX Ga XXXX - XXXX My car was stolen XXXX because I had XXXX XXXX XXXX the car was not covered under my insurance and gap would not pay because the insurance would not pay the carto date has not been recovered fast forward 2 years later AVID Acceptance knowing the car was stolen is still reporting late payments on my credit report on a closed account severally damaging my credit making this horrible situation, I was in worst every time I look at my credit I'm forced to relive that horrible day I could have been killed.
09/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	CO 80916	Web
I filed bankruptcy went to get a van in XXXX.2015. I had been paying on the vehicle for over a year and Avid Acceptance did not report one payment made. I came to find out that they put on our credit in the same month we purchased, that the account was in default. We told them they said it was nothing they could do, but kept wanting us to pay. We gave the vehicle back because they refused to fix this issue of reporting to the bureaus. Now they want to post on our credit a repossession. We have emails and proof from past credit reports pulled of their postings
08/24/2019	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33411	Web
Avid Acceptance LLC out of Utah extended credit to purchase a car they quoted a different interest rate final I treat 4 higher I couldn't return the car. Then I lost my job they refuse to do any type of workout with me. I paid now they are incorrectly reporting XXXX payments and refuse to correct their mistake. To top it all they keep charging me late fees even when I explain that I need the due date change etc.. They won't help they just want to keep charging fees and take the car back.. Please help they are stealing people 's money
01/12/2023	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 23220	Web
On XX/XX/XXXX I disputed many items off my credit in which the credit company violated my consumer rights. Avid Acceptance balance of {$10000.00} is showing on my credit report for a repo which violates law UCC 9 PART 6 ; No pre sale letter sent before car was repoed, Repossession deficiency letter was not sent before XXXX reported to creditors. The credit reporting agency marked it as updated XX/XX/XXXX. This item should be removed off of my credit after disputing it for this reason.
08/20/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	IA 52804	Web
The account that Avid Acceptance is identified as a repossession, yet they continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. Pleas immediately remove this account on its entirety from my credit file. A monthly payment should not exist after a repossession has occurred. {$15.00}
07/20/2021	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	CO 80631	Web
The company continues to call and email after a payment has already been arranged. There is no valid reason for the call other than to harass or to get my wife and I to overcommit ( commit to making ANOTHER payment despite arrangements already having been made. ) This is very clearly bad faith. Furthermore, after requesting they stop unnecessary and thus harassing contact, they purposely misconstrued my request to stop ALL CONTACT, again in a show of bad faith.
11/05/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 80631	Web
Multiple issues : 1. Avid prevents customers from knowing how much interest and fees they charge in total by failing to provide any method to see these totals. They deliberately only provide monthly statements while preventing access to the total amounts. 2. Avid charges interest rates even when paying early. We contacted Avid today XX/XX/2021 and asked for the payoff amount. We were informed that paying early would not reduce the amount of interest charged.
10/12/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	AZ 85719	Web	Servicemember
I have made almost XXXX in payments and my loan has only come down {$600.00} I didnt notice this once I did I called and the company told me that this was because I have made a few late payments I was not aware that my payments were being put strictly to interest. I called back and asked for a completete payment summary that included paydays and due dates as well as fees and interest daily and was sent a sheet that makes no sense.
10/09/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	AZ 85143	Web
AVID ACCEPTANCE I asked for an accounting ledger to verify this debt and for it to be notarized by an accountant. I have been going through this for almost 3 months with no compliance whatsoever. Ive expressed the importance of this situation with no results. After looking over the contract I found that they left out a lawful notice on it which is fraud and report them to the FDIC and fair credit. I attached it below.
07/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60619	Web
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX XXXX XXXX Account Number : XXXX
01/26/2018	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	OR 97302	Web
AVID ACCEPTANCE LLC XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Checked my credit for a car XX/XX/2017, I do not recall requesting this credit check nor did i authorize any person or business to do so. This hurt my credit and is an unfair hit on my credit. I tried to call said company and got a disconnected call three times when i called to esquire of this.
07/06/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	AZ 85017	Web	Servicemember
I WAS IN THE HOSPITAL AND OUT OF WORK FOR 3 MONTHS. I REACH OUT TO XXXX XXXX FOR ASSISTANCE. THEY ONLY DEFERRED 1 MONTH. I HAVE NEVER BEEN LATE FOR 31 MONTHS. I HAVE BEEN PAYING ON A 18+PERCENT LOAN RATE. THIS CAR HAS BEEN PAID FOR. I'M SEEKING RELIEF FROM MY HARDSHIP AND LIKE AN OPPORTUNITY TO BRING THE LOAN.
01/25/2024	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	IL 60644	Web
XX/XX/XXXX sent disputes letter asking to prove that I owed this debt. XX/XX/XXXX Sent method of verification, still no response. XX/XX/XXXX Sent final notice to prove that I owed this debt or gave consent. XX/XX/XXXX Sent letter stating that I will file complaint if I don't receive an response.
12/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85143	Web
Hello my name is XXXX XXXX XXXX I was looking over my credit report and I see you guys marked me late on this day and year. According to 15 USC 1681 ( A ) you are not supposed to do this. Remove the late payment violations immediately or affidavits will be sent for violation remedies.
11/30/2023	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	IN 47714	Web
I am behind on payments. And they have allowed me time to catch up the payments. But they are now treating me and my wife calls us during working hours. Our family members. And constant emails please help us I suffer from XXXX I can't take much more please help us.
10/19/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	IN 474XX	Web
I have requested to refinance. They state to go to a car dealership any to request. Also if I am 1 day late well within 30 days they will call me 5+ times a day different agents and place fees on there before 30 days has past and email me over and over.
08/27/2023	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	TX 76039	Web
I've sent 3 letters, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting proof of application, bearing my signature, since I have been a victim of several data breaches. Each company has yet to provide the requested documentation required by law.
05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	AZ 85249	Web
These companies are not tied to any of my accounts and was not authorized by me. Several hard inquiry pulls from the same company 5 days apart. XXXX XXXX XXXX XXXX/XXXX/2021, XXXX/XXXX/2021, AVID ACCEPTANCE LLC XXXX/XXXX/2021, XXXX XXXX XXXX/XXXX/2021
08/20/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	GA 30188	Web
This company has reported inaccurately across the three bureaus as a student loan, an account that was under a bankruptcy and the amounts have been changed several times all inaccurate and falsely being reported ( which is illegal )
01/08/2023	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 Investigation took more than 30 days	AZ 85143	Web
This company is reporting that my loan is in foreclosure. This company continues to violate me with incorrect information on my credit report. They are violating my right to privacy and havent sent me signed disclosures by law.
09/06/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	GA 30188	Web
This company has changed its information a few times and reported inaccurate information consistently. From being included on a bankruptcy, incorrect amounts, now incorrect dates ( date of major delinquency now XX/XX/20 )
10/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30349	Web
My account with Avid Acceptance LLC should show a XXXX balance as it was included in a bankruptcy filing. Please have Avid Acceptance correct and remove the incorrect account information.
03/21/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IA 52804	Web
Avid Acceptance continued to bill me after the vehicle was repossessed. I obviously could not pay the vehicle and numerous attempts were made to contact to which i was ignored.
10/03/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	MO 63137	Web
My payment is behind not even a full month and I asked Avid Acceptance to stop calling my job because personal calls are not allowed and XXXX XXXX continues to do so.
03/29/2021	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	IL 60620	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
11/16/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	VA 239XX	Web
I was trying to trade the vehicle in and I feel My trade was XXXX. I feel excessive charges was applied to prevent the trade in.
07/23/2021	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	VA 23111	Web
I received a bill due in XX/XX/2019 for XXXX or XXXX dollars paid that and was reported 30 days late by Avid acceptance.
10/11/2022	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	NY 11226	Web
I never applied for any car loan and when I call they told me the dont know anything I have to call credit bureaux.
06/02/2021	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	VA 239XX	Web
I have a court order from the XXXX that there working approving my unemployment the harrassed every day
05/17/2019	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	AZ 85224	Web
I did not authorize this company to get my credit report
10/24/2018	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	UT 841XX	Web
I did not authorize this credit check.
02/03/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 45416	Web

10/26/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CO 80113	Phone

07/13/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MO 63136	Web

07/13/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	IN 46126	Referral

05/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85204	Web

02/14/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IL 60473	Web	Servicemember

01/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53209	Web

10/14/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IL 60620	Web

09/05/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AL 36604	Web

07/27/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CO 80222	Web

06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60629	Web

04/04/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	CO 80233	Web

03/04/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	UT 84655	Referral

12/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	IL 60156	Phone	Older American

07/13/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	WY 82007	Phone

02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27527	Web

01/30/2021	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	AL 35232	Web

09/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60624	Web

09/09/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	MI 48235	Web

07/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect		Phone

11/11/2019	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 Their investigation did not fix an error on your report	GA 30349	Web

10/08/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	GA 30034	Web

07/09/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30317	Web

03/18/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem		Phone

01/28/2019	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	AZ 85323	Web

10/05/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AZ 85233	Web

01/13/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	AZ 85233	Web

11/09/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 22401	Referral

10/27/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	AZ 85216	Web

07/26/2016	No	Consumer Loan Vehicle loan	Shopping for a loan or lease	MO 65202	Web

01/21/2015	No	Consumer Loan Vehicle loan	Managing the loan or lease	XXXXX	Web

11/22/2014	Yes	Debt collection Auto	Taking/threatening an illegal action Seized/Attempted to seize property	GA 30067	Web