BELMONT FINANCE LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/06/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IN 46236	Web
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. BELMONT FINANCE LLC XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
10/19/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	NC 282XX	Web
On XX/XX/XXXX my friend asked I would allow or her and a XXXX dealer to come to my home and show me a demo with the XXXX XXXX ( air purifier ). To make a long story short. I filed out a paper credit application and got approved and I got verified over the phone with an financial company called XXXX XXXX. I was told if i referred 12 people who would allow me and the dealer to come to their home to do a demo with the machine I can get my machine for free. I had appt on XX/XX/XXXX with a in-law and she loved the product and she did the credit application but she was denied and I was asked by the dealer and XXXX dealer financial department if I would co-sign for her. I told both the dealer and her manager. So the dealer spoke with the customer and told her that she had other ways to get her approved so she can make her sale. The dealer asked me if the customer could use my phone number and email address since her screen was broken on her phone she said that she couldn't use her phone by her being the dealer that it has to be a different number so she can get her verified the dealer spoke on the phone with Belmont financial LLC company on the phone and the customer. I noticed Belmont financial on my credit several months later, the XXXX dealer, manager used my old credit application I signed XX/XX/XXXX for my machine. I never authorized anyone to use my credit and I never filed out an credit application XX/XX/XXXX only the customer. I called the XXXX XXXX and was told my credit was ran on XX/XX/XXXX for Belmont Financial LLC and XXXX XXXX but I was approved with both company but my machine was finance with XXXX XXXX not Belmont financial. I told them that my information was used fraudulently but I never got a responds back from the XXXX company. I reached out to Belmont financial and the manger sent me a copy of the credit application that was used and a copy of the contract and said that the person who verified my information their voice sounded similar to mines I told her the account was open up without my permission and that I wanted the account removed from my credit but it became an argument because i told her to do her job and investigate their client XXXX because they provided Belmont with an old credit application not me.
06/01/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28208	Web
XXXX The Right To Recession I'm a Consumer XXXX XXXX a natural person ; I sent a Right to Recession Notice to Belmont Finance on XX/XX/2022. On their contract there was no disclosure of my right to recession and i would like to excercise my right. Any Transaction Full Disclosure 1 ) Notice of right to rescind. In a transaction subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ). The notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : Official interpretation of 23 ( b ) ( 1 ) Notice of Right To Rescind ( i ) The retention or acquisition of a security interest in the consumer 's principal dwelling. ( ii ) The consumer 's right to rescind the transaction. ( iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business. ( iv ) The effects of rescission, as described in paragraph ( d ) of this section. ( v ) The date the rescission period expires. ( XXXX ) To exercise the right to rescind, the consumer shall notify the creditor of the rescission by mail, telegram or other means of written communication. Notice is considered given when mailed, when filed for telegraphic transmission or, if sent by other means, when delivered to the creditor 's designated place of business. ( ii ) For purposes of this paragraph ( a ) ( 3 ), the term material disclosures means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations referred to in 1026.32 ( c ) and ( d ) and 1026.43 ( g ). So I never got a full disclosure and I have a three year period to rescind. Material Disclosures 1026.6, full disclosure the finance charge which pays the debt 1026.32 ( c )
10/21/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	NC 28208	Web
This Company as reported to my Credit profile 2 late payment in which I dispute Please Delete the late payments from my consumer report, this agency is in violation of 15 USC 1681.Futher more when I sign up I had a contract with the Company XXXX and they called this company and sign me up with Belmont Finance LLC . According to Congress, 15 U.S.C. 1681a to XXXX if Congress said that your consumer report does not included Transactions or Experiences between the consumer and the person making the report The line of Credit at what you use is a transaction. Transactions are payment histories, My Experience is the line of Credit, So if the consumers report does not included Transactions or Experiences where does this late payment on my report from this company comes from. It does not exist according the please remove.Consumer report. ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for -- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
11/15/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	NC 284XX	Web
XXXX XXXX, My name is XXXX XXXX XXXX. Please contact me via this email and by phone at XXXX I was working with a vendor and she connected me with a finance company to finance a product that she wanted to sell to me under false pretenses. I was unaware that I was signing up for a loan and she assured me that I was not signing up for a loan and that the product was returnable within 90 days. Upon speaking to the customer service representatives at Belmont Finance LLC I spoke to a representative named XXXX I asked XXXX if it was possible for the loan to be canceled and why was not offered a deferment he advised it was due to my credit and that if the vendor wanted to she had the ability to cancel the loan. I reached out to the vendor to relay this information to her and she proceeded to contact my finance company figure out exactly who I was talking to which was XXXX XXXX and he gave her information regarding my credit why was an offer the deferment and basically what we talked about. The winner text me stating that XXXX XXXX allowed her to listen to our recorded conversation And gave details about our conversation as well. The vendors name is XXXX XXXX of XXXX XXXX XXXX XXXX in XXXX North Carolina. XXXX should not have been able to contact my finance company figure out who I was talking to you or we told who I was talking to you as far as the representative get information regarding our conversation my credit and listen to our record a conversation which she admitted to doing so via text with. I have attached a copy of the screenshot showing her phone number and a text. The finance company has confirmed that a conversation between XXXX and XXXX did take place regarding this information.
11/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CT 060XX	Web	Servicemember
On XX/XX/XXXX, I called XXXX to discuss paying off my account after several calls before this day 's call. XXXX XXXX XXXX their rep ( XXXX ) began a text conversation only to acknowledge the debt was approaching past due status. I proceeded to state I was aware and that unless I could get an amount of payoff the contract should cease. I ended the discussion because she could not provide a payoff amount. Later that day ( XX/XX/XXXX ) another rep ( XXXX XXXX began texting that Belmont is only the finance company for XXXX. Preceded to redirect me to contact XXXX about any issues. Noted that at this point I had made autopayments for the past 6 months. Long story short, XXXX presented an offer by asking me to pay {$3000.00} ( original debt ) which I turned down but agreed to the final payment of {$2500.00} as payment in full. An email confirmation was to follow with a letter from Belmont stating paid in full. He agreed but once payment was processed. XXXX was immediately processed but no email confirmation. Called and texted but no response from XXXX. Called Belmont and supposedly got his XXXX XXXX who refused to acknowledge the payment in full but emailed the payment confirmation. Next, the credit reporting repeatedly stated nonpayment, delinquent and past due balance, and hard credit inquiries dropping my credit XXXX XXXX. I did a review and they made a correction but then returned to reporting past due balance closed account and derogatory payment history 3 times in a day on XX/XX/XXXX and continued as recently as XX/XX/XXXX.
11/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 321XX	Web
XXXX XXXX is attempting to collect a debt that is not owed for Belmont Finance, whom I am also filing a complaint against. In XXXX of XXXX, XXXX XXXX had began to report on all 3 of my credit reports a debt owed of {$1200.00} on behalf of Belmont Finance for a XXXX XXXX that the original contract was for {$800.00} and they illegally charged me over {$1200.00} before I had to close my bank account due to the company refusing to stop the ACH payments on an item that was not only paid off, but also returned. Not only was the original account with Belmont Finance closed in XXXX, but they continually add charges to this closed account monthly, now totaling {$2200.00} to this date and it rises continually monthly. Not only has the {$1200.00} I have paid more than cover the original contract of {$800.00}, but again, the item was returned and this company refuses to remove this false and illegal debt. I will be taking legal action against both companies due to the illegal practices taking place. Neither company will ever receive another dollar from me, and if this continues, and is not resolved once and for all, I will have no choice but to sue both companies as I have my contract and bank receipts for what was paid as well as the emails and credit report copies with false information and illegal charges.
12/18/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	ID 83605	Web	Older American
On XXXX/XXXX/2020 I sent a check to pay off the loan I had with them. I overpaid {$150.00}. I contacted the about the over payment. I was advised that I would receive a check paying me back in about 4 weeks. At 4 weeks I contacted them and was told that I would received the payment in 4 to 6 weeks. At 6 weeks I again contacted them. I was told that I should get the check on or about XXXX/XXXX/2020. On XX/XX/2020 I contacted them and was told that it had only been 5 weeks and I would get it next week. I informed them that this was the 6th week going on 7 weeks. was then told that sometimes it took 8 weeks. On XX/XX/2020 I filed a complaint with the XXXX. The reply from this business to the XXXX was that the check was mailed out on XX/XX/2020. They said that the refund had been overlooked. On XX/XX/2020 The company informed the XXXX that refunds were done " in batches, not on a individual basis ''. As of this date I still have not received my refund. Also the business is not registered as a finance company with the Idaho department of Finance. Which means I have filled a complain with the Idaho Attorney General 's office consumer protection division.
05/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 28208	Web
Belmont Finance LLC Pulled my credit report after I sent them a Right to Rescind Notice, A Cease and Diest Notice, Affidavt of truth Notice. I never request them to pull my credit. This is fraud and Illegal activity, A Company can not rebutt a natural person I have not sign a contract with Belmont Finance LLC, I sign with XXXX XXXX They keep saying that every thing is acurate and they are reporting truth to the CRA, I have not been provided any type of proof that I sign a wet contract, A legal contract with Belmont Finance LLC They have not validated this account. The countinue to report my account late to the CRA. Late payments are illegal 15 US code 1681 A 2 A, Transactions are not included on my credit report so how can there be late payments. I demand that Belmont Finance LLC Leave me alone. They keep harrising me reporting negative false information that I did not Authorize them today.
05/06/2023	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	MS 388XX	Web
On XX/XX/23, 2 salespersons from XXXX XXXX XXXX XXXX, XXXX XXXX came into my home to do a XXXX XXXX demonstration with the intent to try and sell the system to me. After completing the demonstration, they offered me with 2 financing options through Belmont Finance LLC to purchase the XXXX XXXX. The salesperson then asked for my, or my fiance 's social security number to " put it under one of our names. '' They said it is a " light inquiry '' that will fall off in a couple of days, and let us know that this inquiry was unlike an inquiry when shopping for cars where the credit is sent off to multiple lenders for approval. Without acquiring permissible purpose to pull credit via a hard inquiry, they submitted my information to Belmont Finance , LLC for credit purposes without making it clear to me as a consumer the nature of the inquiry.
07/28/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TN 383XX	Web
I was signed up for loan and declined to continue process on XX/XX/2020 and closed out loan. I was approached by sales person who also was my house cleaner and asked if her daughter could use my name on loan. I initially said yes, but after some thought decided that I did not want my credit tied to someone I was not married/related to. So I faxed in cancelling loan XX/XX/2020 and mailed in the cancellation as well. I was called regarding late payment in XX/XX/2020 and I contacted salesperson who told me she would get this taken care of, I was not very concerned since I had my cancellation paperwork somewhere but I did ask CS agent if there was anything I could and she said no. I see that the item continues to be reported on my credit report and company will not take it off.
11/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 31907	Web	Servicemember
On XXXX XXXX, 2020 I sent a certified letter to Belmont Finance LLC in reference to a negative account that they were falsely reporting on my credit report. They received the letter on XX/XX/2020 but did not respond. See attachment for the letter that I sent and documentation that they received the letter. I sent a follow up letter after the 30 days requesting the same information. later in XXXX I received a letter dated XXXX XX/XX/2020 ( definitely over the 30 day response time ) saying that my dispute was frivolous. This was not a proper investigation because I was never was given any of the documentation that I ask for proving that this account belonged to me after two attempt of asking for the information.
10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NC 283XX	Web
I need this ( Belmont financial Account # XXXX ) account remove because its showing different dates of last activity to all three credit bureaus the dates are wrong and its just showing In accurate account info payments is also wrong and I thought by law the creditors suppose to report the right information all 3 creditors is showing inaccurate info XXXX XXXX 3 different dates and I dont have a balance so why is it still on my report & XXXX XXXX showing 3 different dates and inaccurate info as well ... I need them remove.
08/25/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MS 389XX	Web
BELMONT FINANCE LLC at XXXX XXXX XXXX XXXX XXXX, WI XXXX has been sending me collection notices in the amount of {$2200.00}. The collection has been reported as pasted due balance. I do not know this company. This company does not have a contact with my signature.
02/01/2023	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	NC 28217	Web
Belmont Finance XXXX XXXX XXXX XXXX both did a HARD inquiry on my credit which I did NOT approve. Both of these inquiries were done on XX/XX/2023.
01/21/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28677	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 71854	Web

12/02/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OK 74106	Web	Older American

06/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28314	Web	Servicemember

03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28269	Web

12/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NE 68354	Phone	Older American

10/02/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NC 28403	Web

06/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 28403	Web

06/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30120	Web

09/29/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AL 36695	Web

09/22/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75569	Web

09/20/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75569	Web

07/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08232	Web

07/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 36301	Web	Servicemember

06/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38464	Web