Braviant Holdings, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/27/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	SC 291XX	Web
On XXXX XX/XX/XXXX, I was issued a loan from XXXX XXXX for {$1000.00}. I was in a financial hardship, received a mailer and thought it was my only option. The payments were set at {$200.00} bi-weekly on my paydays. I paid this amount through automatic bank debit on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I then requested the automatic debit be cancelled and I began filing complaints as XXXX XXXX/ XXXX XXXX , XXXX/ Braviant Holdings is clearly a predatory payday loan lender. While I was disputing my loan, I mailed a payment for {$200.00} which cleared on XXXX XXXX. I then entered into the dispute phase and awaited mediation with XXXX XXXX/ XXXX XXXX , XXXX/ Braviant Holdings . To date, I have paid {$1000.00}. I mailed the XXXX XXXX payment of {$200.00} which was returned to me for some reason ( I suspect due to Hurricane Florence ). I placed that payment in the mail again on XXXX XXXX. This payment will bring the total paid to {$1200.00}. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. XXXX XXXX/ XXXX XXXX, XXXX/ Braviant Holdings is very clearly a payday loan lender. On the {$1000.00} loan, the fees collected should be {$150.00}. Once the payment I mailed XXXX XXXX clears, I will have paid {$1200.00} exceeding the {$1100.00} allowed by South Carolina law. The XXXX website does not show a balance due, however, indicates payments of {$200.00} are to continue bi-weekly until XXXX XX/XX/XXXX. After the XXXX XXXX mailed payment, this means I will have to pay another eleven payments of {$200.00} or another {$2200.00}. This will result in my paying {$3400.00} for a {$1000.00} loan. This means I will pay {$2400.00} in fees ( 240 %!!!!!! ). This is PREDATORY, OBSCENE and APPALLING!!! XXXX XXXX preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL. On XXXX XXXX, I filed a complaint with the Consumer Financial Protection Bureau and with the XXXX XXXX XXXX. XXXX XXXX responded : We pride ourselves in providing our customers and potential customers with excellent service and we regret that you are unhappy with your experience with us. We take all complaints seriously and, as such, conducted an investigation into this matter. They claim they are not a payday loan company when clearly they are by charging 240 % in interest and collecting payments on paydays! They did not take my complaint at all seriously and closed the case. On XXXX XXXX, I notified XXXX XXXX that I was in an area impacted by Hurricane Florence and to note my account that my payments would be impacted. I received no response. On XXXX XXXX, I notified them again. On XXXX XXXX, I notified them again. I never received any response of any kind. On XXXX XXXX, XXXX XXXX sent me an email stating We look forward to getting you back on track. The email advised to email XXXX for assistance. I have REPEATEDLY emailed XXXX XXXX to resolve this matter with zero responses. On XXXX XXXX, I emailed XXXX XXXX and advised that I have continually reached out for assistance and have continually been ignored. I advised I am in dispute, but could a payment arrangement be made while the dispute is processing. On XXXX XXXX, I forwarded my XXXX XXXX email to XXXX XXXX indicating that I had received no response. I once again informed XXXX XXXX that I have been reaching out for assistance with zero response. On XXXX XXXX, XXXX XXXX sent me an email threatening action. The email said to contact them. I called on XXXX XXXX. I spoke to someone whose first language is clearly not English. I could not understand anything she said. I informed her I was trying to reach a resolution and that I have been reaching out repeatedly. She said she could not help me and transferred my call. I sat on hold for several minutes and then it certainly sounded like the same person answered again. She stated someone would call me in two days. I demanded to speak to someone about my account. She refused to transfer me and hung up. I called back. I sat on hold for 15 minutes. I was then told someone will call me in two days and was hung up on again. So, I reached out repeatedly. I called. XXXX XXXX is threatening me, but XXXX XXXX REFUSES to speak to me. Once my XXXX XXXX mailed payment posts to my account, I will have paid {$1200.00}. XXXX XXXX will have received the {$1000.00} back plus {$200.00} in fees. At that time, I want my account marked " Current/Paid in Full/Closed ''.
09/21/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MS 38671	Web	Servicemember
I obtained a {$1000.00} personal loan from Balance Credit on XX/XX/2022. Application number XXXX. During the application process I was shown loan offers in the range of 28 %, while high, I thought that since it was such a small loan that I could pay it off quickly. I electronically signed the documents and the funds hit my account a few days later. After making payments as agreed, I noticed a new days ago that the interest rate on this loan is not 28 %, but 280.0068 %!! I did not willingly agree to pay such a high interest rate. No one in their right mind would. I am a resident of Mississippi. Mississippi has usury laws ( inter alia MS Code 75-17-1, 75-67-101 et seq ) that prohibit this type of predatory leading, with the exception of payday loans. This is not a payday loan, it is a personal/installment loan. If you scroll to the bottom of the Balance Credit splash page using a mobile phone, you'll see that they advertise personal loans. MS Code 75-67-109 and 75-17-21 forbid creditors like Balance Credit from engaging in misleading advertising. As stated above, nothing on Balance Credit 's public facing website would lead one to believe that they are about to involve themselves with a 280 % + interest rate personal loan. MS Code 75-17-21 ( 1 ) states in pertinent part : ( 1 ) Notwithstanding any provision of law to the contrary, the maximum finance charge which may be contracted for and received for any loan or extension of credit made by a licensee under the Small Loan Regulatory Law XXXX Section 75-67-101 et seq. ) and the Small Loan Privilege Tax Law ( Section 75-67-201 et seq. ) may result in a yield not to exceed the following annual percentage rates calculated according to the actuarial method : ( a ) Thirty-six percent ( 36 % ) per annum for the portion of the unpaid balance of the amount financed that is not greater than XXXX XXXX Dollars ( {$1000.00} ) ; https : XXXX By the authority of MS Code 75-67-119, usurious interests and finance charges will be forfeited and can be recovered and in relevant part states " [ i ] f any finance charge in excess of that expressly permitted by Section 75-17-21 is contracted for or received, all finance charges and other charges shall be forfeited and may be recovered, whether the contract be executed or executory. If any finance charge is contracted for or received that exceeds the maximum finance charge authorized by law by more than one hundred percent ( 100 % ), the principal and all finance charges and other charges shall be forfeited and any amount paid may be recovered by suit ; and, in addition, the licensee and the several members, officers, directors, agents, and employees thereof who shall have participated in such violation shall be guilty of a misdemeanor and, upon conviction thereof, shall be punished by a fine of not more than XXXX XXXX Dollars ( {$1000.00} ) and not less than XXXX XXXX Dollars ( {$100.00} ), in the discretion of the court ; and, further, the Commissioner of Banking and Consumer Finance shall forthwith cite such licensee to show cause why its license should not be revoked... '' https : XXXX Therefore, the maximum rate that I should be charged is 36 %. Today, XX/XX/2022, I spoke with a customer service rep at Balance Credit named " XXXX. '' She do not provide a last name. In response to an email that I sent to the creditor to ask them to lower my interest rate to comply with what was advertised to me initially and such that it would be in keeping with Mississippi law, I was told " we will not be lowering your interest rate '' and " we are licensed in your state and follow your states law '' without further explanation. In my email, I also explained that, aside from the XXXX XXXX usury laws, that Balance Credit lower my interest rate in recognition of my status as a XXXX veteran and offered to provide evidence of that status. This was ignored. Thus, I'm left with turning to the Consumer Financial Protection Bureau to take action on my behalf. I ask that my interest rate be lowered to 28 %, as was advertised to me. I further ask that any interest that I have already paid over 28 % be credited to my outstanding balance. As I type this, my outstanding balance is {$920.00} after making three payments of {$110.00} and one payment of {$140.00}. Thank you for your time and consideration in resolving this matter equitably. XXXX XXXX
08/27/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WI 53208	Web
This company sold a collection debt to XXXX XXXX dba XXXX XXXX XXXX or they greedily bought this debt. A law suit was electronically filed on XXXX by one of their Attorney staff XXXX XXXX against me for {$2100.00}. However the original outstanding debt I owed to Balance Credit was included in my Chapter XXXX, discharged XXXX and has been in an active amortization plan paid by my Trustee since XX/XX/. That debt amount owed and entered at the time was {$1400.00}. To date 43 % of that amount owed has been paid per my claim register sent to me by my trustee on XXXX. I attended the first court date on XXXX Attorney XXXX represented XXXX XXXX dba XXXX XXXX XXXX that day. I provided my Chp XXXX information on record. And all the collection communications I had with Balance Credit back in XXXX, and that there were no new accounts or no new debt owed to them since I filed my Chp XXXX. The Judge explained for myself XXXX XXXX dba XXXX XXXX XXXX to touch base with info given.Next Hearing was scheduled XXXX On XXXX I spoke with the XXXX XXXX XXXX secretary ( XXXX XXXX XXXX I explained this error to their law suit filing. I was instructed to email my documents and attorney information who filed the Chapter XXXX that shows Balance Credit account was included. I submitted the XXXX XXXX XXXX copies of my Chapter XXXX plan, a Case Asset printout, & Claim Register provided by my Trustee ( showing debts being paid under the Chp XXXX ) I also provided contact information for the filing attorneys office I went through. The secretary verified email and documents were received and would forward to attorney and they would follow up with me I never received a follow up call. I was not able to attend the hearing on XXXX due to work demands. Per XXXX XXXX a judgement was still entered on my name for the FALSELY substantial amount ABOVE the original collection amount nor the amount filed in my Chp XXXX Plan. I immediately contacted the WI CIRCUIT COURT who explained I would follow up with the Collection Firm. I placed a call with the Collection Firm I spoke with their secretary who transferred me to an attorney who NEVER picked up the line. I was on hold for 15mins, I called back 3x and was thrown into a voice mail. I left a voice message explaining my disagreement to them entering a judgement for a debt that is being paid under a Chp XXXX and that I submitted them the proof they requested to verify this information. I then placed a call to the Law firm I utilized to file my Chapter XXXX I spoke with the paralegal she knew my situation right off and and told me she JUST VERIFIED with the collection firm on XXXX the debt for this company was actively being paid! She explained to me the many unfair loop holes that can take place with debt collectors selling debts and judgement tactics used. She asked was I served papers for this debt? I explained, No! I was mailed a copy of the Court Simmons. I was never provided any Original Account Terms Agreement showing this new debt, or Proof of any Collection attempts for this new debt, no proof of signatures from me on this debt to support their claim- NOTHING! Just a notification of a Court Summon showing the complaint and the account number is BLACKED OUT! ( Yeah thats because its the same account! ) She offered to contact this collection firm again to go over more distinct details and verify with them this is the SAME DEBT ACCOUNT! This entire situation has put me through so much mental anguish. I am taking this matter against this law firm as far as it can go!
06/21/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	FL XXXXX	Web
I took out a loan for {$3000.00} with XXXX XXXX XXXX via Balancecredit.com on XX/XX/2021. At the time I had several other payday loans but was able to make my payments as scheduled. Sometime in XXXX my bank account was severely overdrawn and I contacted Balancecredit.com asking them to stop automatic payments because my account was overdrawn and asked what arrangements could be made so that I don't fall behind. I told the rep that on the website it says that if I can not make a payment on-time they would talk about payment extensions or other arrangements, however they said they could not do anything to help. The person on the phone said they would stop the payment, but that no alternative arrangement could be made and that interest would continue to increase. Balancecredit.com continued to send me emails reminding me I was past due. In the email it said " If you're unable to pay now, please reply to this email to let us know how we can help and when you may be able to make your next payment. We look forward to getting you back on track. '' After bringing my checking account positive again, and as suggested in the email, I responded to Balancecredit.com to ask how I can catch up, suggesting that at the moment I could only afford {$100.00} per month. Balancecredit responded, " Thank you for contacting Balance Credit. These requests must be processed over the phone ... Please contact our Customer Support Team at XXXX to complete this process. '' I followed up with a phone call to the customer service number they gave, and explained the situation to the person on the phone, but they completed ignored me and asked for the entire past due balance to be paid immediately via a debit card. I repeated myself indicating that I could not make the payment and they told me that until I made a payment and re-enabled automatic payments that no payment arrangements could be made. That made no sense to me because if I had the money to pay the past-due balance I would not have been asking for a payment arrangement. The 3 other payday loans I had made arrangements that reduced the interest rate so that it would not grow beyond what I could pay. I feel that balancecredit has no intention of honoring the statements on their FAQ ( https : //www.balancecredit.com/faqs/ ) where it offers to help get you back on track, or the statement in their email that asks for a response, but then they tell you to call customer service, but customer service asks for the full payment immediately. They continue to send me emails saying " Falling further behind will increase your balance on a daily basis, but we want to work together to get you caught up. '' But I have contacted them several times via email and by phone and their only proposed solution to getting caught up is to have me pay the entire past due balance immediately. I can not afford this and I would like to work to get back on track, but I feel all the statements from balancecredit.com either on their website, in their emails, or from their customer service reps are false statements to just get me to make any payment regardless if I can continue to pay or not.
10/28/2019	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	MO 630XX	Web
This company ( SunUp Financial LLC ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Man with my XXXX Given name ( XXXX XXXX : House of XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
03/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AZ 85395	Web
This company is violating both State of Arizona Laws and federal laws. For state of Arizona laws they are charging interest rates above the allowable state law. After speaking with a debt settlement company they advised me that Arizona caps small loan interest rates at 36 %, and that the interest on my loan far exceeds what is allowed under state statue XXXX XXXX. XXXX. XXXX. Which explicitly states that all the lenders wishing to operate in the state must adhere to 36 % APR small loan cap on loans less then {$3000.00}. After speaking with the state attorney General they confirmed this loan would fall under this statue. After advising the company of these they responded with the following : Our records indicate that on XX/XX/2021 you signed a consumer installment loan agreement with XXXX XXXX, which clearly discloses that the lending entity is XXXX XXXXt, a division of XXXX XXXX Bank, a Utah XXXX bank, located in XXXX, Utah, Member FDIC. Pursuant to the terms of the Loan Agreement with XXXX XXXX, you were funded a loan in the amount of {$1500.00} on XX/XX/2021. XXXX is a Utah state-chartered bank with the Federal Deposit Insurance Corporation as its primary federal banking regulator. Consequently, XXXX is governed by both federal banking laws and the laws of the State of Utah. Balance Credit is an authorized servicer of XXXX XXXX, a division of XXXX, retained to perform certain marketing functions for the benefit of XXXX XXXX. In signing the Loan Agreement, you expressly agreed that " You acknowledge and agree that this Agreement is subject solely to applicable Utah and Federal law. '' If the terms of the loan were not acceptable to you, the Loan Agreement provided for a recession period. However this set up is still illegal under federal law, the true lender rule repeal that happened in XX/XX/2021 made it clear that a bank can not be considered the true lender if the loan is managed by, sold to or sourced from a non-federally regulated financial institute. After the repeal, the instructions where clear. Lenders will no longer be able to get around consumer protection laws like interest rate caps just by putting a bank 's name on their paperwork. They are illegally trying to circumvent state of Arizona max cap rates, and their is laws that explicitly forbid their business model.
05/07/2019	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	TX 79416	Web
I have received several calls about this debt from XXXX. I was unable to locate the company online and the representative for the company would not provide any further information. I spoke to a XXXX XXXX at the number XXXX XXXX XXXX several times. He informed me that I owed a large debt and he was attempting to serve me as a result of the lawsuit XXXX reportedly filed. I asked for verification of the debt and instead of providing it Mr. XXXX used derogatory and abusive language suggesting that I was " wasting his time '' and that he doesn't have time to deal with " people like you ''. Mr. XXXX directed me to XXXX XXXX, the purported originator of the debt, and XXXX XXXX, the current owner of the debt, and told me to take it up with them. Mr. XXXX informed me that he would only accept payment for the loan over the phone but would not give me any information about the litigation proceeding that has allegedly been taken. I told Mr. XXXX that I would like to dispute the debt and that going to court was probably unavoidable because I don't recall ever doing business with any of these companies. He said the debt was undisputable and to either give him a credit card of " get the XXXX off my line ''. I again told Mr. XXXX calmly that I just wanted to get a copy of the documents that said I owe the debt but he would not provide them, instead he listed several bits of information, my bank account number, social security number, and place of employment. He said he was tired of " people like you '' trying to wiggle out of things. Upon examination of the form contract that I allegedly signed from the XXXX XXXX webpage, I noticed a mandatory arbitration clause that would preclude either party from filing a lawsuit. Noting this I called Mr. XXXX back at the above number and informed him of this and that I would like to use the arbitration process to dispute the debt. Though I don't recall ever doing business with XXXX XXXX, if that is indeed the case then I would be able to dispute the debt this way and the lawsuit that Mr. XXXX said that he had filed in " Federal court in XXXX XXXX '' was either a lie or not valid. I was alarmed at the strong arm tactics and the abusive language he used to try and convince me I owed something I don't recall owing.
07/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	AZ XXXXX	Web	Servicemember
Ive already made a complaint about this company before but I just want to make another so everyone is aware from my awful experience dealing with Balance credit ( https : //secure.balancecredit.com/portal/payments/schedule ). So I got a loan in XX/XX/2020 with this company. The approval process is fairly quick. The interest rate is ridiculous 200 %. So I borrowed {$2000.00} and I had a payment due every two weeks for {$180.00}. Ive made extra payments and I tried to get the payment negotiated to {$100.00} a month which they did but then of course they dont tell you this they turn around and report a 30 day late to your credit report. So it doesnt matter if you and a payment plan or not they will still constantly call and harass and will still report a late. If youre even a day late or even if youre paying all the time theyll send you email constantly and call you all the time. The customer service is awful they are overseas they talk like robots dont understand anything. So this company is awful this is the worst online lending company by far. Like I mention if you struggling to make a payment or ask for a lower payment they will lower your payment but keep the interest-rate exactly the same but then will report a 30 day late. So I am writing this complaint again to hopefully warn others to stay away from this company dont do business with Balance Credit at all do anything that you can borrow from friends or family. Its not worth it at all because like I said in my case I borrowed {$2000.00} and before my last large payment I still owed {$2500.00} because of the interest rate. So anyone even considering this company dont do it it will be the worst mistake. So I repeat do not even consider getting a loan with this company you will regret it. Not only will they get you further in debt but then if you try to negotiate payment they will report 30 day late and like I mentioned they call and harass every day for payment if youre even a single day late or even if youre in a payment plan they still call and harass you. Im lucky I borrowed money from XXXX XXXX my help my dad as he cosign and I will be paying off this loan.
05/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91915	Web
There are two companies involved here. One is SunUp Financial d.b.a. Balance Credit ; the other is XXXX XXXX XXXX. In XXXX of XXXX I took out a loan with SunUp/Balance Credit. It was predatory -- 227 % -- but I knew I would be paying it as soon as the funds from the sale of my house arrived. In XXXX I mailed a check to pay off the loan, but when someone from SunUp/Balance Credit told me of the hundreds of dollars of interest that would accrue while they verified the check, I canceled the check and sent a cashier 's check instead. When they received the cashier 's check, SunUp/Balance Credit sent me an email saying that my loan was paid off. The email said that I could get a paid off letter from their Website by logging in to my account, so I logged in and retrieved the doc. ( It is a copy of the original loan doc with the words PAID IN FULL superimposed across each page. ) Then two-and-a-half years later I was contacted by the collection agency XXXX XXXX XXXX saying to send {$5000.00} for this loan. Despite sending them my evidence and explaining to them that the loan is paid off, they continue to keep this on my credit report and continue to send me letters asking for payment. My son has two XXXX XXXX. If he were to catch the coronavirus, it would most likely be fatal. So when my employer reopens their doors, I will not be able to go back. For that reason, my wife and I plan on selling in Southern California and moving to Texas where things are more affordable. The problem is that my credit rating makes it difficult for me to qualify for a loan and Im not able to do anything to raise that rating due to XXXX XXXX XXXX reporting that I owe for a paid-off loan. My two-and-a-half pieces of evidence : 1. The email from SunUp/Balance Credit saying my loan is paid off. 2. The Paid in Full doc from Sun/Up Balance Credit. 3. I did not save the copy of the cashiers check ( I figured numbers 1 and 2 would be enough ). But I do have a bank statement showing a cash withdrawal of {$5000.00} ( used to buy the cashiers check ) on XXXX. The paid-off email is dated XXXX. This is my half piece of evidence.
12/12/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MO 63031	Web	Servicemember
On XX/XX/2019, I woke up with a knock on my door from two local law enforcement officers. They informed me that a family member had called in and wanted someone to stop by the house to " check on me '' after several family members had received several calls from a lady named, XXXX XXXX, who was requesting to verify my identity information such as my SSN, location, employment whereabouts, and other identifying factors. Immediately, I retrieved my phone and had several text messages from my dad, sister, and brother who had all received calls and voicemails from this individual stating that she was needing this information. My brother reported that he was contacted by her twice. I, myself, also had one missed call and voicemail from Ms. XXXX postmarked at XXXX on XXXX XXXX. She at time, threatened, that she needed to verify my information through a third party including my previous employer if unable to contact me and shortly began harassing my family members for information thereafter. I'm uncertain if she contacted my employer or not as that is the employer I no longer work with, When I contacted Ms. XXXX, she informed me that she was a representative with XXXX XXXX XXXX XXXX who was assisting a debt collector, XXXX XXXX XXXX, to obtain some past due money owed to an original creditor called Balance Credit. She informed that I should've received a letter from her agency in which I did not. She also threatened that a certain amount was owed or a judgement would be pursued against me. Her whole approach appeared to be threatening and harrassing in nature in order to obtain funds. She informed me the only way to stop the judgement would be to set up a payment arrangement through her. I have no issue paying my past dues if I would have received information from the original creditor and I have not. I feel my rights were extremely violated and that threatening and harassing means were utilized in order to obtain a debt which not only impacted myself but also caused extreme fear, stress, and worry in my family who had no idea what was going on.
02/02/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA XXXXX	Web	Servicemember
Recently my family have been faced with unavoidable documented finacial hardships. My Wife " XXXX XXXX '' and I, informed XXXX XXXX of our finicial hardship. We ask XXXX XXXX to work with us and informed iloan of our goal to avoid Chapter XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need XXXX XXXX to work out new repayment terms. We were unable to to Pay the Current excessive interest rate of 128 % on our loan and we were unable to Pay current excessive twice a month payment of {$270.00}, which equals {$540.00} monthly payment on a {$5000.00} loan Loan # XXXX I also let XXXX XXXX know I felt their lending feel within the guidelines predatory lending ... Do to the following at the time I applied for the loan my credit score was XXXX i ask why my interest rate was set sooo high. I am Veteran in process of becoming a XXXX Veteran. XXXX XXXX has also threatened to sue me and refused to work with me. I have not recieved a default letter by mail nor e-mail XXXX XXXX refused to work with us in regards to our documented finacial hardship and telling us we will be sued for if we do not pay on current loan terms. XXXX XXXX is refusing to work out an affordable repayment plan so I can avoid Chapter XXXX Bankrupsy by lowering my interestrate and montly payments. I feel taken advantage of by XXXX XXXX XXXX lending practices I feel iloan took advantage of a Veteran who had a credit score of XXXX, I was provided an excessive interest rates and with excessive montly payments of {$540.00} on a {$5000.00} loan. I was never sent a default letter my email nor by mail, XXXX XXXX is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan. After reaching out to XXXX XXXX, they stated they were unable to work out a repayment plan.They also stated the current terms of my loan were fair.
09/10/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MO 63146	Web
On XX/XX/2020, I took out a payday loan for {$800.00}. I have taken out several loans in the past with this company and my employment and contact information has not changed including paydays ( XXXX and XXXX ) of each month. To date, I have made a total of 3 payments with 1 of the payments not being scheduled in order to help lower the finance fee. Here is the break down in payments. XX/XX/XXXX : {$190.00} XX/XX/XXXX : {$100.00} ( unscheduled ) XX/XX/XXXX : {$190.00} ( taken prior to my pay day of the XXXX ) this payment has caused an overdraft with my bank account. Due to the last payment on the XXXX, I requested to have my bank account removed to avoid me accumulating additional overdaft fees. I initially contacted a representative and was informed that the XXXX is what was listed on my loan. He not once looked into my account history to verify pay dates or tried to resolve the situation. I then emailed XXXX to explain the situation and their response was that my bank account has been removed and to make future payments on or before the due date. I believe they have made a few attempts to reach me via phone but due to my work schedule I have been unavailable for their calls. I recently emailed the company to notify them of the difficulty in communicating via phone. Moving forward to today, XX/XX/XXXX, I logged online to attempt to make a payment on my account and I was shocked to see that my account balance has increased to {$890.00} with the total pay off balance being {$910.00}. I have made a total of a {$500.00} payment towards an {$800.00} loan that was taken out on XX/XX/2020. And, my current balance is {$910.00} without any late fees to accumulate. I am in need of assistance in having this matter resolved as I am a single parent on a very limited income and can not afford to be taken advantage of.
06/26/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TX 77586	Web
Hi there, thank you very much for listening to my saga. I am a XXXX XXXX with XXXX XXXX and XXXX XXXX XXXX. This event is killing me. I am not able to take my children on the vacation we had planned, it's a mess. Back story : I saw that {$220.00} was taken out of my account every XXXX weeks. XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XXXX - {$220.00} XX/XX/XXXX - {$220.00} I will admit it took me longer to realize than it should have but I was dealing with a custody battle and extremely distracted Much later I went through every bank statement and saw {$1200.00} was deposited into my checking account *Now I find this part odd. I actually did take out a legitimate loan with XXXX XXXX and XX/XX/XXXX was the exact day my first payment was due to them and subsequently debited from my account. Side Note : Why would I need a loan like this if I had just received my loan from XXXX XXXX. Flash forward to this past Monday, XX/XX/XXXX : - I was really at a loss as to go about remediating this issue. - The transactions on my bank statements are all labeled - " XXXX XXXX XXXX '' - I googled " XXXX XXXX XXXX '' and found a phone number to call but it was incorrect incorrect # - XXXX The person who answered the phone actually gave a number correct # - XXXX - an inexperienced girl answered and finally I asked to speak with a manager, she would not let me talk with him - Finally I got manager on the phone and we spent an inordinate of time arguing back and forth but he wouldn't help me get my money back. - We went around and around time and time again and I finally just hung up. Other odd things : 1. This " loan '' does not show up as an account on my credit reports 2. Take a look at the " receipt '' I received ( attached )
12/15/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	MO 63118	Web
My initial contact with XXXX XXXX them was in XXXX when they called my brother, sister and mother and told them I have a debt and someone will be coming to their homes to find me. Then received over ten calls from someone who would not identify themselves but stated that a representative will be at my door to serve me with papers and I will need tow forms of ID to identify myself. I finally got through to a different representative who told me I owed a debt to Balance Credit and it was about to be submitted to court. I told them was unaware of this debt and to send me proof of the debt. I was told there wasn't enough time and it was being sent to court today. I was told if I did not submit a payment today i would owe triple the amount on court. I explained that I was unaware of the debt and did not feel comfortable paying it without proof or any explanation. I was then hung up on. I called again and was told if i paid XXXX today, I could set up payment arrangements and it would not go to court. I felt as if I had no choice but to pay because I would not be able to afford a lawyer and I had no way to prove the debt was not mine. I set up payments for XXXX a month. I had been okay paying them until XXXX when I could not make the payment and called to try to make alternate payment arrangements. XXXX I spoke to two representatives, who both threatened to have me arrested, threatened to take me to court for debt that I have previously stated is not mine. I was told that regardless if the debt was mine I am responsible for it and I will be arrested or taken to court. The first representative stated, " Be sure I have two forms of ID when they get to your door '' and then hung up on me. The second representative stated, " the debt would double or triple in court, have a nice day. '' and then hung up on me.
04/28/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OH 44060	Web
XXXX XXXX XXXXXXXX initiated contact with me attempting to collect a debt from phone number XXXX on XX/XX/XXXX. During the interaction I informed them that I was willing to settle the debt with them but to please call me back on XX/XX/XXXX when I get paid in order to discuss the terms of the agreement. The representative agreed and notated my account stating that I would not like to be contacted until XX/XX/XXXX. On XX/XX/XXXX, they contacted me again, to which I once again informed the rep that I would not like to be contacted until XX/XX/XXXX and that I would be happy to discuss settling the debt. From XX/XX/XXXX to XX/XX/XXXX they contacted me at least 4 more times and they began calling me 3 times a day. On XX/XX/XXXX, I escalated to a supervisor who was combative and rude who stated that they were unable to remove my number from their auto dialer system. After I informed her once again that I would be willing to settle the debt when I got paid on XX/XX/XXXX, she insisted on trying to get a payment from me so that they could post date it. When I refused to authorize any payment until XX/XX/XXXX she became rude and combative again and I requested to speak with her Manager. She claimed that the manager was busy and would not take the call and insisted once again that she collect a post dated payment from me. When I asked once again to not be contacted until the XXXXXXXX XXXX XXXXXXXX she became combative again and stated that they would not be able to pause collection calls until the XXXX XXXX XXXXXXXX and that she was going to report my account back to the client as an unable to settle. When I informed her that this was a false report, she became combative again which led me to refuse any further contact without first reporting this to the CFPB and obtaining a lawyer.
05/14/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	UT XXXXX	Web
On or around XX/XX/2020, I took out a loan with Balance Credit. I did this online with limited ability to confirm my information or see the full documents as increasing the size of the content on the documents wasnt available. On XX/XX/XXXX, I was informed by my employer that I would be laid off due to Covid-19. I contacted Balance Credit several times to ask about payment arrangements and to explain my current situation. I finally was able to contact customer service and tried to get some resolution to help with my current situation. I was told I could defer one payment but interest would continue. I asked what interest would be for the one payment ( 14 day deferred ) and was shocked to find out that the interest would be the amount of the actual payment {$220.00} for 14 days on a {$2400.00} loan. During the deferred 14 days, I received several calls a day everyday. I finally took a call from Balance Credit, only to find out my new balance was now over {$2800.00} and they wanted 2 payments approximately {$450.00}. I again asked that if I paid {$450.00}, what would be balance be, and was told it would now be about the same, {$2800.00}. What?? I was advised that my payments were only covering interest. How can they charge 200 % plus in interest and other fees? I feel that one, this loan was done over the internet without the ability to see the documents in larger font, and two this should be considered predatory lending. I cant afford this interest rate. Balance Credit is charging consumers interest and fees that are abusive and grossly inflated. Who protects the consumer? A loan with no end and to do this during the worst financial disaster since the Great Depression!! I now know why you are unable to see or change your application.
11/06/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MO 63026	Web
I used this company for a {$800.00} loan in XXXX. I signed up for the loan payments to be automatically withdrawn from my checking account. I did not check to see if the company was withdrawing payments. I received the " Notice of Right to Cure '' letter via email on XX/XX/XXXX. I have not received any other emails nor any letters mailed to my home. When I talked to the company representative, she said that several calls were made to my phone. I receive several calls a week from scam callers. I usually do not answer calls with unidentified phone numbers. She said that do not send physical mail. She also stated that they do not settle on debt. I requested a paper to show how what they say I was owed was calculated, she said that do not provide that information. It would be in my contract. I attempted to access my account with this company, but it only lists the phone number. I included the letter below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE OF RIGHT TO CURE Dear XXXX XXXX Notice Date :XX/XX/XXXX Credit Transaction Account No : XXXX Loan Contract Dated : XXXX XXXX is the LAST DAY FOR PAYMENT. {$3700.00} is the AMOUNT NOW DUE. {$0.00} is the amount of delinquency charges included in the AMOUNT NOW DUE. You are late in making your payment ( s ). If you pay the {$3700.00} on or before XXXX, you may continue with the contract and existing payment schedule. If you do not pay by the XXXX, we may exercise our rights under the law, including but not limited to, acceleration of the loan. If you have questions, please contact us at ( XXXX ) XXXX from Monday Friday XXXX XXXX to XXXX CST and Saturday - Sunday XXXX XXXX to XXXX XXXX CST. Balance Credit Team ( XXXX ) XXXX XXXXXXXXXXXX
03/31/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WI 54915	Web
XX/XX/2019 I filed for Chapter XXXX bankruptcy protection XX/XX/2019 341 Meeting of the Creditors with the Trustee ; the record will show there were no creditors represented in the Court. Specifically, no representation from XXXX or the presumed original creditor, XXXX XXXX. XX/XX/2019 Received voicemail from XXXX This message is intended for " you '' this is XXXX XXXX compliance officer contacting you in regards to your pending case being filed that is attached to your name, birth date and social security number. By law, I have to make you aware that once a case number " x '' is filed it will become a matter of public record and there is an order of location issued for you. Since I wasn't able to reach you by phone I was instructed to contact your employer and speak with your supervisor as it looks like this will now be a possible place of location due to the negligence on your end regarding this case. XXXX `` X '' you do have a legal right to contact the office that is processing your case if you will want to speak with them before its filed. Once your case is discharged from their office all rights are to be forfeited. The number provided on the paperwork for you to contact them immediately is XXXX. You are being legally notified by telephone and you will be located unless I'm told otherwise. XX/XX/2019 Received a text from a colleague that the " compliance officer '' had reached out to them regarding me. Please investigate why XXXX XXXX would sell loan that was known to be in Ch XXXX proceedings. Further investigate why XXXX is allowed to intentionally use illegal tactics within days of the 341 meeting to harass, further embarrass and scare an individual into some type of payment arrangement. Hit them with fines.
04/04/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33405	Web
I have a payment agreement with Balance Credit, Acct number # XXXX. The payment loan amount is {$130.00}. The payment due on XX/XX/XXXX. 2023 could not be deducted from XXXX XXXX XXXX XXXX XXXX decided to close my checking account due to a scam transaction that happens few days earlier. XXXX XXXX opens a new Checking account to protect from fraud transactions. I called Balance Credit on XX/XX/XXXX on due date to make the payment over the phone and explained the situations. The Rep took the new bank account number to make the payment. I receive an alert from XXXX XXXX notifies the charge debit of {$130.00} made on XX/XX/XXXX and another payment of {$130.00} from Balance Credit. I called the Balance Credit to dispute the {$130.00} charge, and the Rep agrees they made duplicate charge and apologize. They agreed to refunded charges electronically immediate. Today is XX/XX/2023, I have made more than 10 calls to their Customer Centre, I explained the hardship of my personal financial situations. No resolutions or refund payment, on XX/XX/XXXX they made the next charges payment. Finally on XX/XX/XXXX I speak to a supervisor promises to expedite by XXXX payment that I should be able to received Tuesday XX/XX/2023. Today I called again, they said That I have to wait 6 business days to payment post on their account and another 10 businesses days to a refund a paper check. Basically 2 months to receive payment fraudulently charge and they doing an illegal business practice. I pray to FTC for a hardship and to stop scam practice and to put a fine for a business wrong action. Please help
05/02/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	IN 463XX	Web
We were notified we are in a federal disaster zone ( as of XX/XX/2023 ). I notified this company of the situation and to explore what forbearance or deferment programs they have available. The agent I spoke with informed me they do not have any programs available to assist me- all they can do is DOUBLE my next payment. I requested to speak with a supervisor to get clarity on WHY they do not offer a federal disaster zone victim any kind of forbearance ( the answer at this point was obvious - because they are a predatory loan scam company, but that's a different issue ) ... and this is where things got even stranger. After being placed on hold multiple times for several minutes ( the agent was polite but clueless ) she informed me no supervisor was available to assist me ( what a shock! ). After insisting to speak with a supervisor, I was informed 'someone would get back to me hopefully in 3 business days ). So after reaching out to this company in an effort to ensure that I do NOT default or miss any payments, to communicate that due to a federal disaster declaration I was attempting to work out something that at least is an arrangement that is suitable for them, not only could they not assist me but refused to put a supervisor on the line with me to provide any explanation whatsoever. Well I suppose this is the price people pay doing business with fly-by-night organizations like Balance Credit. If nothing else comes from this, at the very least hopefully others will learn from my horrible experience with them and avoid them like the charlatans that they are.
03/20/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	DE 198XX	Web
This is what I wrote on " XXXX '' onXX/XX/XXXX : What a SCAM! You never speak to anyone who speaks CLEAR ENGLISH ( and this is just for " starters '' )! TWICE this week I applied ; only to find out that BOTH applications were " declined, closed or withdrawn ''. WHY?! I only applied for {$300.00} for XXXX XXXX XXXX! We really needed this money, too! Oh, well! This must be a sign from Above. Just this morning, I was asked to call AGAIN to verify MORE information. This time, it was my BANKING information. We had to make a three-way call to our financial institution. I thought, " Ok. They're just verifying the account numbers and such. '' WRONG! The XXXX woman had the gall ; WITH a credit union representative at the other end, to ask for our CURRENT BALANCE! Excuse me?! That is NO ONE 'S business ... PERIOD! I don't care how badly we needed this money. It's blatantly obvious that " XXXX XXXX '' does NOT have the best interest of its customers/potential customers in mind. Moving along ... Reason of review : Poor customer service. Monetary Loss : {$300.00}. Preferred solution : Let the company propose a solution. I didn't like : Shady practices, Csrs that do not listen and XXXX people around by being repetitive, Non-english speaking csrs, Csr gross incompetence, Csr questioning current available balance in checking. After WRITING THEM DIRECTLY about NEVER communicating with me EVER again, I got another OFFER LETTER IN THE MAIL TODAY (XX/XX/XXXX). The offer letter is datedXX/XX/XXXX, the same date as the first letter.
05/08/2019	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	UT 84321	Web
I have received many calls from an unknown number telling me to call XXXX which goes to the office of XXXX XXXX. I called and left a voicemail twice now to get additional information and my call is never returned. The messages the keep leaving specifically say a notice of intent IS scheduled to be delivered to your employer today between the hours of - and they repeatedly state I am scheduled to be served documents at my home this evening And my failure to comply could result in a missed court appearance. I finally was able to talk to someone st this number today, XXXX XXXX, who stated ( on a recorded line which can be retrieved to substantiate this complaint ) that I had Missed a hearing and other false misrepresentations which violate the FDCPA. When questioned about this he stated XXXX XXXX was involved in this and then after significant probing on how I missed a hearing without being served an actual complaint or summons states nothing has actually been filed and then refuses to explain to me How I could help lift how I could have missed a hearing that involves XXXX XXXX if nothing was actually filed ... .lastly, he goes on to state he will email me the documents in question I am requesting to review, confirms my email and then refuses to provide the documents ... These are outrageous and illegal communication and debt collection tactics and along with providing false and misleading information or threatening to involve an employer or imply legal action was taken that wasnt is in violation of FDCPA regulations.
08/19/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	UT XXXXX	Web
On XX/XX/XXXX, XXXX XXXX called and left messages with my wife, my mother-in-law at on the general ( not private ) voicemail box at my work. He left details with my wife about what the debt was, how much, etc. I called him back and got his voicemail, in it I specifically asked that he not call my work and not leave messages with anyone other than myself. Then, today, XX/XX/XXXX, he called my work again and asked the receptionist to speak with me. He also left a voicemail on my wife 's phone and my mother-in-law 's phone asking them to pass along a message for me to call him. The numbers called are : my work : XXXX my mother-in-law : XXXX my wife : XXXX my home phone : XXXX my cell phone : XXXX I again asked him to not call my work and to only leave messages on my own number. I spoke with him on XX/XX/XXXX and made arrangements to get the debt paid and taken care of. I spoke with him again on XX/XX/XXXX when he called my work looking for me again and they forwarded his call to me. I again asked he not call anyone other than myself about this debt and that since I've already made arrangements, he shouldn't keep calling anyway. Then, on XX/XX/XXXX I got messages from 2 of my sisters-in-law and my brother-in-law that they had a voicemail from him on their phone from early that morning. The numbers called were XXXX, XXXX, and XXXX, respectively.
01/05/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94116	Web
Some time in XXXX of XXXX, I received an alert on my credit report that I had a collection from a company I have never heard of. I called the number listed. It is XXXX XXXX XXXX. They said a debt was sold to them by a company called SunUp Financial LLC. I called them and they had no information for me. They said they could not provide me any documentation and that I had to call XXXX again. So I called XXXX again and they had nothing to provide me but an account number and a strange copy of payments due for some type of loan that is not mine. I begged them to provide me the amount, how did I get the money, something with my signature but all they have is some strange docusign paper with the amount of XXXX dollars on it. My name is not even attached. This is apparently from XXXX, and I have never taken a loan for XXXX ever! I even had my bank XXXX go through with me all any any deposits or money from this company or any company in this amount and nothing. I make allot of money and have a good job. There is no way I would ever take a loan for this amount of money. The company XXXX are very rude and every time I dispute this, I get a result saying " We investigated and its staying on my credit Report. '' This is not right. This is not my signature on the attached document. I did not receive any money and I did not take a loan.
04/12/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	SC 298XX	Web
For my account, there is NO account information about my loan -- payments, when they are due, how much I currrently owe, etc. When I log in to my account, this is what I see : Loan number, application date, effective date, loan status, final due date, original loan amount and view documents. When I click on " view documents '' it is only the documents I received about the loan. I have to call to get my loan balance. THE PROBLEM : everytime my balance reflects I'm almost " paid in full '', the balance goes up. I only borrowed {$950.00}. I understand that I pay dearly to borrow b/c of the costs they must make. Since my first payment XX/XX/2019 of {$380.00} monthly, I've paid {$2300.00} as of today. I've basically given them over {$1500.00} as of today. That is way too much overage for the company to be making off of people that are already struggling with bills, etc. Fair is fair ... However, borrowers should have access to vital information for their account -- I should not have to call the company. For all my other bills, I know exactly what I owe, when it is due, etc. NONE of this information is provided because then we can't track how much they are really charging us. Again, Fair is fair ... .Yes, I know I have to pay ALOT for borrowing, BUT now you are taking extra payments which is NOT fair. Thank you.
06/03/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 77450	Web
XX/XX/21 - I would have to look at call logs for the other calls. However, for the past year this company has contacted me claiming I've " maliciously defrauded '' a company and need to pay them immediately. A prior rep of theirs did collect XXXX dollars from me and I have yet to receive any communication or documentation on the debt owed or who it's even owed to. They claim to be a " mediator '' and that I will be taken to court if I don't pay them. Again, I've asked for documentation and again, received none. They've also had reps claim to be process servers in the past. Today, they contacted my current employer, which I did not work at at the time of my alleged debt. I have in no way given them, or the alleged original creditor this information. They have continued for the past year to contact my ex-husbands extended family members both on their work and personal cell phones. Even after being told they don't know me. Today a rep told me my refusal to comply with her after I asked for their address and information, which is my right, that " this is why I'm in this situation ''. This is harassment, bullying, impersonating legal entities, continuing to call after being asked to stop. I will be sending a stop request via mail per the fair credit act and hopefully this stops.
12/08/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	AZ 85224	Web	Older American
Balance Credit contacted me at the beginning of XXXX XXXX say that i was in default of a loan. I did not take out a loan with them. When I contacted them, they claim that they gave ( transferred into an account ) someone with my name, social security number XXXX same bank XXXX XXXX XXXX XXXX ) & my phone number-took out a loan XXXX they deposited {$1300.00} into the account on XX/XX/2021. They did not have my correct bank account number, nor my correct email address. After several harassing phone calls from them they told me XXXX file a police report-which i did. I will also contact the 3 credit bureaus XXXX notify them of identity theft XXXX fraud. I am getting ready XXXX retire. I have worked diligently XXXX pay off all of my debt other than my mortgage XXXX a truck payment. I do not need XXXX borrower any money XXXX I do not want my credit affected by this unscrupulous lender. I have been greatly inconvenienced by their incompetence of not recognizing fraud XXXX identity theft. I want them XXXX rectify the situation immediately. They can follow up with the bank of the person they deposited the money XXXX ( By contact XXXX XXXX finding out who they sent the money too ). I am considering a lawsuit if not taken care of immediately.
07/09/2020	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	WI XXXXX	Web
I had a loan with Balance Credit. I was behind on payments and they sent it to a collection agency, XXXX XXXX XXXX. The guy gave the account XXXX XXXX XXXX called me on Tuesday the XX/XX/XXXX. He was all over the place in what he was telling me. HE threatened me with a judgment or garnishment. Which legally he can not do.. He said he would get me a good deal if I agreed to a re-payment plan. HE DOES NOT have the authority to offer settlements. HE knew that I had unemployment coming in. HE said he would call me today the XXXX. as he had sent me a payment agreement to sign. I was not by my phone today when he called, SO what did he do he called my daughter on HER work no, which is a recorded line. HIS supervisor tried to say I must have put that number down as contact no. NO, I did not. That is her work no, and I never put that no down. JUST like he knew I was getting unemployment, w/o me telling him. HE went snooping to get that number. I would never give her number, much less her work no. HE talked to her about my debt, that it was a money issue and he needed to talk to me. IT was a recorded line, it's all recorded. What he did is very illegal. I probably would have worked with him, until he broke the law and abused my rights.
09/06/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	SC 291XX	Web
On XX/XX/XXXX, I was issued a loan from XXXX XXXX for {$1000.00}. To date, I have paid {$1000.00} which has cleared and posted plus another {$200.00} which is in process for a total of {$1200.00}. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On {$1000.00} loan, the fees collected should be {$150.00}. Once my XX/XX/XXXX payment of {$200.00} has cleared, I will have paid {$1200.00} exceeding the {$1100.00} allowed by South Carolina law. The XXXX website does not show a balance due, however, indicates payments of {$200.00} are to continue bi-weekly until XX/XX/XXXX. After the XX/XX/XXXX payment, this means I will have to pay another eleven payments of {$200.00} or another {$2200.00}. This will result in my paying {$3400.00} for a {$1000.00} loan. This is PREDATORY, OBSCENE and APPALLING!!! XXXX XXXX preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL. Once my XX/XX/XXXX posts to my account, I will have paid {$1200.00}. XXXX XXXX will have received the {$1000.00} back plus {$200.00} in fees. At that time, I want my account marked " Current/Paid in Full/Closed ''.
09/15/2021	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48221	Web
So a woman claiming her name was XXXX XXXX called me this morning and left a message for me to return her call at this number XXXX which is fine normal collection practices. Right after she contacts my mom ( no big deal ) who contacts me and gives me her info. My mom then informs me that the agent XXXX XXXX told her that she just spoke with XXXX XXXX ( my fathers wife ) who would not have been my reference. She told my mom that XXXX verified my address in an attempt to get my mom to disclose information as well. So I called Ms. XXXX who was very rude. She disclosed to me with no authentication my entire social and went on to tell me how she has contacted XXXX and XXXX ( my ex husband and his dad ) to whom I havent spoke to in 10 years. Lastly before hanging up on me she blatantly advised that my credit score will be damaged. This is very disturbing all across the board as she is obviously using the internet and digging up people who I do not even associate with and havent in years, people I did not use as references and calling them and the worst part is that she is freely giving out my identifying information address social etc. I beg please look into this companies collection practices.
08/12/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	UT 84054	Web
I was called 3 times in a row ( with no break in between calls ) from the same number XXXX today, and my husband, brother in law, and sister were also called. Today was the first time I had been called by this company and they left a message for me, my husband, and my brother that I was being served legal papers. I called them back to find out what it was for and they said it was for Balance Credit. The collection company was called XXXX and had a call back number of XXXX. They immediately accused me of defrauding a company that I had previously repaid loans to and I explained that was not what happened. I had lost my job at the time and was unable to pay any of my debts. I have proof of my claims. I also advised the representative XXXX that I do not have any available funds to make a payment today. She only offered me to pay off the balance in full or with a settlement today ... I was offered no other repayment plans and was told that this will be taken to court since I can not immediately settle the debt. I believe this to be an unfair practice as I was not given any reasonable options to pay or time after being notified of the attempt to collect the debt.
08/06/2019	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 45102	Web
This company is claiming to be " XXXX XXXX XXXX '' and calls from a XXXX and leaves a call back number of XXXX. It is a recorded message from a XXXX XXXX. They claim they are trying to collect on my Balance credit account, which I am paying another company on. They tell me the other company has no right to collect that account and they are a legal company and they won't send me a notice of debt as they are not a debt collector, but they'd be happy to make payment arrangements on this debt. They have called me and my family numerous times and told them they are going to sue me and I'm going to be served at work with my manager present. I have called Balance credit and they have told me the company I am currently paying is the correct company. I have asked the " XXXX XXXX XXXX '' to stop calling me and my family but they continue to call. The lady today was extremely rude and told me she'd see me in court when I asked her to stop calling and again told her another company was taking care of this matter. I offered her their phone number and she refused. They call me daily and leave me the same recorded message.
05/16/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	OH 45150	Web	Older American, Servicemember
I am writing this for my sister. She is a senior citizen and on a limited income-Social Security. She had just had XXXX XXXX XXXX and was on pain medicine when she made this call. She didn't realize all of this. She was not thinking and very gullable, They say not to sign anything when you have XXXX for this reason. She thought it was a credit card she was signing up for not a loan at 293 % interest. She never signed for this online or by mail. She has tried to stop the loan and auto payments XXXX a month to no avail. The date started XX/XX/2017. Original amount XXXX payoff amount XXXX. On their website, which I signed up online to look at this agreement. It says she has signed by clicking to allow electronic consent, which she did not. How could she read and consent if she was not in person, online or by mail? She was on the phone. She did not receive this in writing. They put it out on their website but did not explain this to her. She doesn't do online, What can be done to get her money back? They have scammed her and forged her signature.
11/06/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	OH 45371	Web
On XXXX-XXXX-2017 I applied for a payday loan with Balance Credit. I was finally able to print off my contract. I was completely shocked at the 325.00% finance rate. The finance charge is $ XXXX. The initial loan amount was $XXXX which I received. On page 3 of the agreement is states that I agree to pay $ XXXX plus an additional interest of 25% per annum. This amount is not listed on the first page. This would be a total amount due of $XXXX. This is outrageous. They are taking $XXXX out of my bank account every 2 weeks. I also noticed a clause that states that they can take out a demand payment anytime and for no reason for anytime. I can't believe that I got myself into this rip-off trap. I can't afford it. They were very deceptive on the charges that would be due. I have read hundreds of bad reviews on this company. Please help me with this. I tried to talk to them and they said that I signed it so I am stuck with it. I hope they are not able to get away with this scam any longer and hurt other people. Thank-you, XXXX XXXX
11/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60628	Web
XXXX XXXX XXXX I contacted, and asked them to take action to get this COLLECTION removed from their records and to erase any record of the collection with all credit reporting agencies if they could not provide Documentation that I had to pay them. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done since it has not been done. Ive received documentation from this company with a letter from account whose name is NOT XXXX XXXX XXXX. They sent me a letter with a company name sun up financial, llc balance credit. XXXX with a signature that is NOT MINE. How are you allow to falsely report something to my credit when I have no legal contract with you. This document Alone with only a signature is not enough to defame my name. I what this account removed and not associated with me. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
08/12/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	UT 84097	Web
XXXX XXXX and XXXX XXXX XXXX XXXX are suing me for over {$1800.00} on a loan that was originally {$600.00} that Im not even sure that I took out. I have attempted to settle this debt with him multiple times. The first offer of {$1000.00} he refused saying that he wont take less than 70 % of the original claim which somehow equated out to {$1300.00}. I tried to get him to explain the math on that and was ignored. They told me I had to file a response in court. I have filed responses in court only to get abusive responses back from cXXXX XXXX XXXX XXXX I have once again tried to negotiate a settlement with constantino because i simply dont want a judgement against me only to be IGNORED by the law firm. XXXX XXXX and his firm uses the Utah State court system to abuse people into paying him massive settlements on small debts to save their name and credit. Apparently XXXX XXXX is a part owner of the company who bought the debt, XXXX XXXX. This should be criminal in itself!
03/07/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TN 37215	Web
I started receiving e-mails where someone -- not me -- was applying for a credit loan using my identity. Balance Credit proceeding with underwriting and the process to open a credit loan ( I'm not sure what type exactly ) under my identity. It appears the scammer proceeded all the way and is in the process of submitting back account verification. I did not apply for this credit or loan. I did not consent to anying doing so on my behalf. The business may also conduct business as SunUp Financial , LLC d/b/a BalanceCredit.com ( Balance Credit ). I e-mailed the XXXX e-mail address stating that I was the victim of identity theft and did not apply for this loan. I received an automatically generated e-mail stating that " This email serves as confirmation that loan application number XXXX has been cancelled. '' I am unable to receive a personalized response to address my concerns about the identity theft. Likewise, the telephone numbers on the website are not working numbers.
12/19/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 91752	Web
It has come to my attention that this lender is not legally licensed by the state of California. Upon checking the DBO, Balance Credit is not listed on the DBO website. I have received 2 loans where I was charged excessive fees that were not legal in the state of California. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. I received multiple loans that dates back to XX/XX/2017 have had several bi-weekly withdrawal payments from my bank account. With the past and current loan taken out I have over paid due to the excessive interest accessed. I would like my existing loan to be deemed as paid in full with all the overpayments I have made for the past 2 years. I have requested to revoke authorization for ACH withdrawals. I have sent two emails and have not gotten a response. Usually, Balance Credit responds immediately to emails within 1-3 hours if its in regards to another matter ( such as payments ).
08/26/2019	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	OH 43615	Web
Was contacted by XXXX regarding a debt from a loan company balance credit in the amount of {$2400.00} for a {$600.00} loan. First call I received at my place of employment was from XXXX XXXX a government compliance officer that was going to come to my home or job to serve me court papers left message on my work phone my moms phone and my personal phone with my personal information including my social security number. Talked with XXXX from the number XXXX. Made arrangements made 3 monthly payments of {$240.00} and one payment of {$170.00}. Well after doing research balance credit is not a legal loan in Ohio so I was only responsible for the principle balance so I stopped all future payment. This company harassed and makes threats and also pretend to be government worker used to threaten people into over paying on debts. They also would provide me with proof of the debt in written and threatened that if I didnt pay they would sue me without debt verification
11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	SC 29209	Web
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose reporting a collection amount of {$2000.00}. This collection agency is performing unfair practices, in which this keeps the account reporting as open/ current and does not display a closing date on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section XXXX of title XXXX Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
10/14/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	CA 94087	Web
I took a loan. Application number XXXX. Of only XXXX. It was meant to be short term. I applied and they have NO information on their website about payoff or easy payoff. Everytime you call them they keep you on hold so you give up and make it difficult to pay you. I sent the account to debt management. However i decided to call and pay off the loan. I have been trying to pay it off since XX/XX/XXXX. Nobody calls you back. The most ridiculous part is that they said I can not pay them anything and they will give me no additional information unless i go to an attorney and give them a power of attorney. Just to pay off a loan? XXXX XXXX XXXX I did some digging up and apparently they are very notorious for pay off. They do it on purpose to keep accumulating interest. Please help me! Due to bad times this has happened to me. I am making it right and want to pay them off. What is this ridiculousness.
08/25/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	MI 48237	Web
Have called creditor several times to have credit report updated with the credit bureaus. Still being shown as open with a balance on XXXX. Have spoke with the Resolutions department at Balance Credit multiple times. Today being XX/XX/2022 spoke with XXXX. Said the account has been reported as closed paid in full as of XX/XX/2022 and was manually inputted to the bureaus. But according to XXXX as of today XX/XX/2022 account is shown to be open and accurate with balance owed of {$1600.00}. I have filed disputes with XXXX on XXXX/XXXXXXXX and XX/XX/2022 and the problem never gets corrected. I have documentation supporting the payoff date. The creditor does also and they always agree that this particular loan is paid in full. I do not understand how they can continue to show something that is clearly paid in full and not be accountable. It is damaging to my credit score for something that is not owed.
03/11/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30067	Web
To whom this may Concern, I am writing in to file a formal complaint against XXXX XXXX XXXX. Amount : {$2900.00} Delinquency first reported : XX/XX/XXXX Debt buyer account This debt collections adjuster did not send me notification of alleged debt and when I researched who the collection could be for, I do know that this debt has exceeded the statue of limitations for the following states : Georgia, Kansas & Virginia. I also sent a debt verification request via certified mail requesting that they verify the debt on XX/XX/XXXX asking the debt collector to please send me a response within 15-30 business days. I have yet to receive a response. The Debt collector did how ever close the account on my credit profiles marking it paid off, however, that was not my request because I did not a will not pay them anything for an entry that should not have been placed on my credit report.
11/29/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	AL 35244	Web	Older American
I'm writing this complaint because I need help to work out a solution for Balance Credit to work with me on a cheaper payment plan. When I took this loan out, I had a full-time job and was able to afford the payment. But on XXXX XXXX I had to quit my job because of my health and not able to work anymore. However, I've been drawing my retirement pension since XX/XX/. Right now I'm only making {$890.00} a month and that is one monthly payment. I'm not very good at negotiating so I need to do this through this channel. I need them to lower my payment to {$150.00} a month. So far I have been making this payment and will continue to make this payment. The loan payment is currently set to XXXX, and right now I can't afford to pay that along with what monthly bills I have to pay plus the medicine that I need for my health issues.
12/28/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	OK 730XX	Web
Individual named XXXX called me from this number asking me to confirm personal information without telling me the purpose. After I asked him what the purpose of the call was, he told me the call was about pending litigation against me due to a personal loan. I told him I wasn't familiar with it then he said the loan company named Balance Credit was familiar with me. I tried to ask again what it was about and he told me I need to work on my comprehension skills, I told him not to call back. I then called him back basically to confirm it wasn't from a robo call or false number and during the conversation he again told me he was trying to confirm litigation towards me and a recommendation against me in XXXX XXXX. This seems highly illegal and he tried telling me it's legal in every state then basically hung up on me.
09/11/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MS 39532	Web	Servicemember
Balance credit is harassing my family, and people Im unrelated to via phone calls and text messages stating they are attempting to collect a debt from me, with balance disclosures. They claim to be able to call these people because they claim they were put down as references which is a LIE. I have text message screenshots of the voicemails and text messages they are sending people who are not me. I do not have a balance credit loan. I have personally not been contacted by balance credit either. I have requested a cease and desist of all phone calls and text messages and require only written mailed correspondence. I have also requested validation of the alleged debt with my hand written signed signature. Electronic signings can be done by anyone. I want proof I signed up for an alleged loan because I didnt.
02/24/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75149	Web
Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX and XXXX XXXX on XX/XX/2022 and I have no recollection of doing any business with XXXX and XXXX XXXX. I am in the process of contacting XXXX and XXXX XXXX but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
12/16/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	MS 393XX	Web
I took out an installment loan through Balance Credit online. I paid it until COVID. I communicated with the company on numerous occasions and made partial payments. I was working on a settlement agreement with them and did not receive their last email due to it going to my spam folder. I contacted them and was told that my account was sold to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The number I was given to contact went to a lady who simply answered hello. I hung up. I was refused the address to the collection agency. I believe this to be a scam. The phone number they provided does not match either of the named companies above. I am now receiving phone calls from a number in my own state with vague details and threats of legal action if I do not call back and settle within 72 hours.
08/11/2020	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	UT XXXXX	Web
On XX/XX/2020, XXXX XXXX called and left messages with my wife, my mother-in-law at on the general ( not private ) voicemail box at my work. He left details with my wife about what the debt was, how much, etc. I called him back and got his voicemail, in it I specifically asked that he not call my work and not leave messages with anyone other than myself. Then, today, XX/XX/2020, he called my work again and asked the receptionist to speak with me. He also left a voicemail on my wife 's phone and my mother-in-law 's phone asking them to pass along a message for me to call him. The numbers called are : my work : XXXX my mother-in-law : XXXX my wife : XXXX my home phone : XXXX my cell phone : XXXX I again asked him to not call my work and to only leave messages on my own number.
10/16/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 76148	Web
On XX/XX/19 ... I went online to balance credit. Com. After receiving 2 mail offers of pre approval letters of a install loan up to 1400.00 On XX/XX/19 I went online, completed the application and was advised I was approved for a amount of XXXX dollars. I called the csr li n.v e and they told me I would receive the funds in my account the next day on XXXX.. well later on in the day I log back on to check the first pay date and seen my app was now closed I called and the top told me I was denied with no explanation. I asked how could I be approved one min and denied the next even after giving my full bank information. Now no o w can tell me why it denied but they have ran my credit and has all my bank info. I'm filing a complaint for false advertising and fraud on my account.
07/01/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OR XXXXX	Web
On XX/XX/XXXX I took out a {$3000.00} loan with Balance Credit. I was aware that the interest was high, but did not fully understand how high it was. I later learned that the APR was 213.9994 %! I made 5 monthly payments of {$560.00} on time for a total of {$2800.00}. On XX/XX/XXXX I wanted to see about paying this loan off and was informed my balance was {$3800.00}! That is more than the original loan amount after nearly paying {$3000.00} in payments thus far. I was unaware the none of my payments had went to the principal. I believe this loan is predatory and the way it is set up makes me unable to pay it off in a reasonable way in which I am not owing thousands upon thousands of dollars on a rather low loan amount. Loans and APR 's like this should be illegal!
03/17/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	MO 63031	Web
No verification letter has been sent. I have requested for one to be sent several times and they are refusing to send one. I informed them by law a verification letter needed to be sent to me. I was told either I will pay the settlement amount, set up a payment arrangement, or go to court. I stated that I havent received anything in writing from you all so I dont feel safe just paying money when its not validated nor any prior communication. Also, I was hung up on by the Finance manager in the midst of trying to come to settlement arrangement. I was repeatedly cut off and was given demands to pay or that there wasnt anything to discuss. I have not been provided no documentation and they seem to be trying to force me into paying un-verified/validated amounts.
01/05/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MS 397XX	Web	Older American
My complaint arises from the lending practices of online lenders. I have noticed numerous complaints regarding a similar company called XXXX XXXX XXXX. These predatory lenders are charging exorbitant A.P.R.s on small loans and not properly disclosing these A.P.R.s. to the consumer until after the fact. In my case, the rate was greater than 100 percentage points over the maximum A.P.R. allowed by Mississippi State Law 75-17-21, which is punishable by 75-67-119. To be specific, I was charged 280.01 % A.P.R for a {$650.00} loan. Our State Law caps that rate at 36 % per annum. The punishment for such a charge is for the lender to forfeit the principal and all interest received. Balance Credit refuses to comply and does not feel they have done anything wrong.
01/19/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77075	Web
I open this loan account around XX/XX/XXXX I was told by one of their employee I will be able to do a early payoff, and wont be change all of the interest that shown, I sign up to paid once of month On XX/XX/XXXX I ask for my paid off to pay this loan off after making a regular monthly payment and was told half was going towards the principal plus I paid XXXX extra I borrow XXXX dollars very lil was put towards my borrow amount that's when I decide something wasn't right called back the next day ask what was my pay off the amount was very high after all this I view BALANCE CREDIT rating appear I'm not the first one that had this problem I wish I could have check before opening this account this loan company need to be investigate and reported Thanks
05/02/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	CA 90604	Web
XXXX XXXX XXXX retained XXXX XXXX, and filed a civil suit against me for an old debt from 2018. I negotiated a settlement with them for {$2000.00} in exchange for dropping the suit and settling the matter in full. I received a confirmation letter of the agreement, and a paid in full letter from XXXX XXXX, yet XXXX XXXX XXXX refuses to update the credit bureau as settled in full, and is instead insisting in their reporting to the credit bureaus that I simply made a payment and still have a balance due. They refuse to work in good faith to correct this and are intentionally lying and negatively impacting my ability to obtain credit as a result. A quick look on their XXXX reviews shows a pattern of behavior that indicates this is a predatory business.
04/06/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 77382	Web
Every other week, by XXXX XXXX Mail, I get a pre-Qualified loan offer from Balance Credit. Over XXXX months ago I applied for credit and was declined. I ask them to stop sending me these pre-qualified offers going forward. Today I received another one. I want these offers to stop as they will not approve the loan but yet they keep sending the pre-approvals. When I log in to their website, it states I do not qualify for a loan with them prior to accepting an application. Since they know this much information about me, surely they can stop sending me false misleading information about being Pre- Qualified for a loan. They have no intentions of approving me for a loan, but yet they continue to send these letters after I ask them to stop!
10/25/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 76180	Web
I received a pre qualified offer of a personal loan in the mail. I called the company to find out what their rates are because it is not in the letter and I could not find it online. I was told that I will be given the rate once I apply. I'm pretty sure that's illegal. So basically I have to take a hit to my credit to obtain a rate for a loan that I might not actually want because I don't want to pay their interest rate. When I explained that I wasn't interested in applying until I knew how much it would cost me she was adamant that she could not give me the rate or range of rates. " it will be in your loan docs ''. I can't even find out the terms of the loan until I apply. Legitimate lenders do not operate like this.
01/06/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 92128	Web
My original loan from Balance Credit was quickly sold to a company XXXX XXXX who I never heard from. They told me my debt was sold to XXXX XXXX. These people referred me to XXXX XXXX who its my understanding is a payment processing center. They told me I have to speak with XXXX XXXX at XXXX. This man XXXX (? ) threatened Court actions. I have never received any paperwork from anyone other than Balance Credit. When I asked this XXXX guy for copies of the three mailings they gave me I was emailed one ( what seemed like a generic letter ) with the current date from a XXXX XXXX XXXX. And it didnt even have my apartment number on it. I want to pay my bill but not to a scammer. How can I be sure Im not being scammed?
08/04/2020	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MO 63031	Web
On yesterday XX/XX/20 Ive received a phone call from XXXX the rep did not state her name nor where she was calling from. The lady verified the last 4 of my ssn and stated that she was calling from Balance loan. I attempted to explain that I can not pay back the debt due to my being laid off due to covid. I informed the rep that I have limited income of {$130.00} per week and that not enough to pay anything. The lady then began to questioned me about a vehicle that is listed in my name and started to threaten me talking about collateral. When I asked the name of the company she would not state the info nor her name. She also threatened me to say that the docket was on her desk to have me prosecuted.
08/27/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	NM 88005	Web
I have never applied for a loan. I never opted in to receiving prescreen offers from this company its affiliates or any other company/agency. I have had a credit freeze in place since prior to 2019. Receiving any solicitation in any form or via any venue was not authorized and needs to stop forever and not restart. I have reported this error to no avail. XXXX XXXX & XXXX. It is fraud and a violation of my privacy receiving the solicitation in the first place. It is an egregious error requesting more information to stop sending the unwarranted solicitation. That is completely unacceptable. request to stop are documented since 2019. Balance credit has not honored the opt out in any venue.
08/26/2019	Yes	Debt collection Payday loan debt	False statements or representation Impersonated attorney, law enforcement, or government official	OH 43615	Web
I have made 4 monthly payment to XXXX XXXX XXXX since XX/XX/2019. For a balance on a defaulted pay day loan currently not legal in Ohio. The debt was never owned by this company. I contacted the originator of the debt Balane credit and they state they have never heard of this company and my debt was sold to XXXX XXXX XXXX and they havent received any payments from XXXX. XXXX never verified the debt and is not a legitimate company stole my money and threatened to sue to and claiming to be compliance officers for the state!!! I want my money back and this company needs to be held accountable for their scams and harassment at home and work place
11/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60628	Web
XXXXXXXX XXXX XXXX XXXX continually reports this is my debt. Balance credit {$1600.00} acct # XXXX tried to handle this formally but you are not willing to to help me. Ive filed a report with the federal trade commission, XXXX and police report all will be attached. Please stop reporting to to my credit report or I will be forced to take legal acting after this. This is not my debt Im sorry and I hope you find the right person. But this has to stop delete and do not contact me or report this under my name any more. Take it up with XXXX police department. The documents you provided is not even my signature. You are violating my rights.
03/14/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	MO 63303	Web
It seems an account was applied for, money received, some payments made and then payments stopped. Now I get notices of amounts due that are very high. I never applied for this loan in the first place! They are claiming to send it to collection and ruin my credit. Loan was done online without my knowledge. Used my bank account too. When I noticed payments coming out of the account I stopped auto payments. Now they claim its past due and are asking for double the amount someone applied for initially! I am not paying this loan. Filing ID theft report as well. Company name they go by is Balance. Fraud mixed with exorbitant fees!
08/17/2022	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 290XX	Web	Servicemember
Prior to accepting the payment the company was to delete the account from my credit. Instead they took the funds, and continued to report on the debt as paid in full with a {$0.00} balance which still shows up on my credit as if it is an open tradeline. When I reached out to representative XXXX XXXX XXXX explained that they were well within their rights under the FDCPA to continue to report as often as needed. I then explained that this account should have ceased reporting as of XX/XX/XXXX but continued to report after XX/XX/XXXX which is more than a year later. This practice in itself keeps the statute of limitations extended.
06/23/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MD 21045	Web
On XX/XX/XXXX, someone used my e-mail address to commit fraudulent loan stacking with XXXX XXXX XXXX online. One of these companies, D.B.A. " Balance Credit '', out of XXXX, TX still has not stopped trying to collect. I get e-mails almost every day from them even though all of the other loan agencies stopped immediately. None of the loans appeared on my credit report, so I did not file a police report. Balance Credit will not stop e-mailing me unless I provide a police report, so we have been in an annoying back-and-forth for weeks. They are not getting money from me because I owe them nothing, yet they continue to harass me.
03/17/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MS 39401	Web
The company stopped taking automatic payments from my account and I had to manually make payments once they started sending emails stating I was behind. It will go from XXXX days, XXXX, to XXXX days. I recently paid the loan all the way up I added up the dates and how much I owed on the loan and my remaining balance to my recent payment as of a day ago and it matched. On today almost XXXX more was added to the loan and its not behind. I have all emails where I have paid and Im caught up. They have already made an extra {$1000.00} off the loan already from adding fees and working on another
06/17/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MS 38654	Web
I borrowed XXXX dollars from the lender I was making my installment payments when I did fall behind on then I was laid off due to the Covid 19. They sent me an email on XX/XX/XXXX stating that they were offering 50 % off so I contacted them and I was informed that the offer was only good until XX/XX/XXXX which I didn't see that on the e mail. I did inform them that I was unemployment and I was only receiving unemployment. He offered me {$1200.00} to be paid within 60 days. I looked at the rate they were charging me which is 279.99 %.. Which I will attach a screenshot of my payment history
11/22/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 95125	Web	Older American
Company contacted 2 relatives leaving personal information re : me and implied I was going to be sued. The collection company is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Tel # XXXX. I have asked for a breakdown on what has been paid and they have not respned to my emails. They are rude on the phone and always say I am rude. I want to settle for the loan. Orginal amount was XXXX and I have paid way over the orginal amount. The tatics of collections were not in compliance of fair practices leaving personal information with others and threat of lawsuits.
06/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29016	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
03/01/2023	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MO 63366	Web
I was in the process of switching phone carriers and I recieved a call from my husband saying a debt collector called him and was very persistent i then got my phone on the same day and my friend XXXX called me and told me that they called her to that day then my mom called and they had also called her and ask for information and they repeatedly tried to harrass my friends and family with calls within 24 hours. I spoke with them this morning, they had no reasoning to be calling everyone in reguards to my debt and it has become embarrassing and upsetting
12/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33319	Web	Servicemember
In accordance with the fair reporting act XXXX account : Rise XXXX XXXX Account # XXXX Balance Credit Account # XXXX XXXX card Account # XXXX USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.Due to Hurricane XXXX and my payments are scheduled on an auto pay as well.
07/22/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	NM 88310	Web
XXXX XXXX XXXX & XXXX XXXX XXXX I have reported these companies before for unwanted contact. I did not opt in. I was told I would not be contacted again. And I am still receiving physical mail and email solicitation. I have requested not to be contacted. EVER. I did not change my mind. I do not wish to enter into business with these companies. My privacy is continually invaded. I now have to provide identity theft information to conduct business with other companies for this continuous invasion of my privacy. Stop the unwanted contact.
06/20/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	WI 53223	Web
Began with me getting a {$600.00} loan, fell on hard times miss my first and second payments loan blow up, to {$1600.00} in 2 months okay whatever no problem so I call to settle loan, we both agreed that if I pay {$1300.00} the loan will be settled so I pay the {$1300.00} they send me email stating that they received my final payment of {$1300.00} and when it clears their system my case would be close and over.The next day XXXX get a email say they want more money after we made a settlement agreement. The remaining {$390.00}.
05/18/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	TX 77070	Web
I took out a loan for {$1100.00} in XX/XX/2023. I paid {$680.00}. I called and asked them to reduce my payment and to work with me on a payment plan they told me they could not do it. but that if I paid {$100.00} extra, I could call and try to negotiate it after that but my interest continues to accrue daily. the agent processed that payment over the phone. I made the extra payment and I still can not resolve it. As of today, my loan is {$1400.00} outstanding in addition to the {$780.00} I already paid.
04/07/2021	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	SC 296XX	Web
Received the first phone calls today from the third party collection agency for Balance Credit. Called twice in a row and left XXXX voice messages. Stated they had more than one number for me, which is incorrect. Then they proceed to immediately contact my family. They didnt not wait or give me a chance to respond prior to leaving messages on my system. Voicemail sounds threatening and asked to validate address and work address. They are harassing and abusive when dealing with people.
12/20/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NM 87144	Web
My husband and I received a loan for XXXX on XX/XX/XXXX We have made 6 payments every two weeks for XXXX totaling XXXX. I called on XX/XX/XXXX to payoff loan and they asked for another XXXX to pay the loan off. I do not believe that they have applied any of my payments to the principal. They kept telling me that I still needed to pay for interest that was to paid throughout the original term of the loan. I advised them that I am paying them early so that does not apply to me.
02/12/2020	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	TX 761XX	Web
Company hired a debt management company to collect a debt. The company has tried to contact me numerous times. The name of the company is XXXX XXXX XXXX. The debt collection company called my spouse without my permission and gave personal details as well as contacted my employer. This is after I tried to make payment arrangements last year with balance credit. I have asked both the debt collector and balance credit to cease and desist calling my spouse and my employer.
06/21/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	TX 75149	Web
RE : Revocation of authorization for debits Company : Balance Credit To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company.. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : Send a mailing address so payments can be mailed. _ This revocation applies to any and all future debits. Sincerely, XXXX XXXX XXXX
06/03/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	WI 54311	Web
I borrowered {$2500.00} on XX/XX/18. After 11 payments of {$320.00} at a rate of 276 %, the payoff effective today is {$2400.00}. The terms of the truth in lending state it is a simple interest loan compounded daily. The term of the loan is for 30 payments. My concern is the company is not simple interest and is front loading all interest contrary to the truth in lending. My payoff by my calculation should be approximately {$1900.00}
06/01/2023	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	AZ 85042	Web
I am in the process of trying to buy a home and everything was going great until my credit dropped almost XXXX points because of a said " late payment ''. I was in contact with the company trying to dispute this and they still came back and said it was late. I have the account statement showing that my payments were made. And even if they claim i was late my account as of today stands as current. why can't they just remove the late?
04/14/2016	No	Payday loan	Charged fees or interest I didn't expect	OH 43110	Web
This loan from XXXX XXXX has charged me more interest than I ever thought I would have to pay. For a XXXX dollar loan they are trying to make me pay back XXXX dollars. In addition, they took XXXX payments out of my account at the same time. I want to resolve this loan by paying the difference between XXXX and the XXXX that I have already payed, which would mean my balance should be XXXX. Please help me with this situation.
09/16/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Improper use of your report Received unsolicited financial product or insurance offers after opting out	TX 76011	Web
I have contacted this company and sent letters advising them that I was opting out. I called the phone number, went to the website and mailed several letters to XXXX as instructed. I have already filled out a Permanent Opt-Out Form but the company continue to send me mail. Sometimes I get letters from Balance Credit at least 3 times a week. It's annoying and very harassing. I really want them to stop harassing me.
02/12/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 761XX	Web
XX/XX/20 XXXX XXXX XXXX from XXXX XXXX XXXX contacted me on my cell phone and left a message. She proceeded to call my husband and gave him detailed information on my debt. She also contacted my employee around 10 minutes later. Personal information was shared with both places. I have left numerous messages asking the caller to cease and desist activities but to this point, she has not complied.
10/03/2018	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	OH 43062	Web	Older American
They did not send a written validation notice ... .they contacted and left message with a family member ... no mailing address was given ( theirs ) ... no collection license # given ... the account id number they gave XXXX ... {$310.00} (?? ) owed ... threatened to send someone to my home ... no email given to me ... names : XXXX XXXX, XXXX XXXX ( xt # XXXX XXXX, XXXX XXXX ... XXXX.
07/21/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	MO 640XX	Web
XXXX XXXX XXXX is attempting to collect a debt for SunUp Financial. I have no knowledge of this debt nor did I receive any loans of any kind from them. This debt was removed and has now reappeared. I would like for this collection to be permanently removed from my credit reports as I dont owe them any money because I never applied for a loan nor received a loan from them.
06/13/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	OH 43026	Web
I contacted Balance Credit not knowing that they are an illegal entity in the state of Ohio. I have paid over the principal on the loan that I took out with them. They are charging 697 % interest and I refuse to pay anymore since they have received the principal of the loan plus money. I have sent them cease and desist letters and they continue to harass me.
09/03/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	UT 84043	Web
I noticed an email stating I had applied for a loan and that it was funding the next day to a bank account that I have never had before. The customer service rep said I had to file a police report first before she would just close out the account. I was bothered by that and asked why she can't just close the account out and she wouldn't answer the question.
03/31/2020	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 752XX	Web
XX/XX/2020 balance credit called my parent and spoke to them regarding my account and how much I owed. Totaling XXXX and then they proceeded to give them a settlement amount of XXXX. I was not aware of any of this or of a settlement amount. They have not spoken with me and this parent is not on the account nor has anything to do with it.
04/05/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	VA 23059	Web
I live in Va and submitted a letter via email on XX/XX/XXXX withdrawing ACH authorizations on my Checking account. I call after XX/XX/XXXX and on XX/XX/XXXX to esatablish a payment plan. I was not aware payments would be deducted twice a month. XXXX XXXX would not work out a payment plan with smaller payments.
12/28/2016	No	Payday loan	Charged fees or interest I didn't expect	OH 45373	Web
I have a payday loan with a company called Balance Credit. I took out a {$800.00} loan and have made payments of {$1900.00} and my balance has not decreased. They are still wanting an additional {$1900.00} in order to settle the balance. This should be illegal if it is not already so. This is usury lending.
10/17/2023	Yes	Debt collection Payday loan debt	Electronic communications Frequent or repeated messages	KS 66109	Web
XXXX XXXX XXXX sent my sister a text message stating that my payment didn't go through. I had to block them from my bank because they kept trying to charge XXXX even after I told them not to. They sent a text to her at XXXX on XXXX. She is not listed anywhere on my account.
01/04/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	TN 37128	Web
Have received mail for someone who does not live here for over 4 years. Repeated requests to remove her from my address. Chic from XXXX XXXX refuses to remove her until I give my SSN and birthdate. I have refused. What can I do to get them to stop sending this?
01/26/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	VA 222XX	Web	Servicemember
on XXXX XXXX i obtained this loan to which i believed was a 3 year personal loan and is illegal in the state of VA , this company is not licensed in this state at 281 % interest which is a payday loan not personal loan the total payoff is XXXX for a 12 months
04/05/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 32117	Web
I took out an installment loan for {$3000.00}. After two months, I have paid back {$1200.00}. They are telling me that the current balance is over {$3000.00}. The interest rate cant be right or legal. How are they claiming that all payments go to interest.
10/21/2016	No	Payday loan	Charged bank acct wrong day or amt	TX 778XX	Web
The company BalanceCredit.com took a payment from my bank account on a day that was n't scheduled for a payment. I have n't received overdraft fees yet but I will. Their address is here : Balance Credit Attn : Customer Support XXXX, TX XXXX
11/02/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TX 764XX	Web
I got a loan from Balance Credit in XX/XX/2019 for {$600.00}. Ive been paying {$140.00} bi-weekly since XX/XX/XXXX. The interest rate is 558 % which I was not aware of. I have already paid over {$700.00} on the loan with 7 more payments due.
09/27/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	MI 48382	Web
Paid the payoff amount in XX/XX/2022. Then was told it didn't payoff the loan. They have since charged fees and cost of {$610.00} and reported my account delinquent to the credit bureaus. Their loan is outside of usery laws.
03/03/2023	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	KY 40241	Web
This company is calling my work, my relatives ( upwards of several repeated texts and calls every day! ) for a loan I dont believe I owe. They are leaving private information via texts to my relatives and at my work.
06/26/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63111	Web
This debt is not mines because I never applied for a loan with this company and it was identity theft. I have contacted this company numerous times to tell them this and they still have this debt on my credit report.
06/14/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 92373	Web
I had to take loan to help my family through rough times. I do want to pay it off as soon as possible but interest rate and payments every two weeks taking out of my checking account making it impossible.
10/17/2016	No	Consumer Loan Installment loan	Problems when you are unable to pay	MO 646XX	Web
I sent the company Balance Credit a revocation letter on XXXX/XXXX/16. They acknowledged and agreed to this request on XXXX/XXXX/16. On XXXX/XXXX/16 they debited my checking account for {$220.00}.
10/08/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	NM 87108	Web
I keep receiving offers to apply for loans. I have not been able to opt out or stop the unsolicited offers. I have put a freeze on my credit. The last mailing was dated XX/XX/2019.
03/28/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	SC 29223	Web
I have paid as agree even with the very high interest rate. I have spoken with customer service to correct this with no help. I sent an email with payment proofs on XX/XX/XXXX
03/15/2019	Yes	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	TX 76549	Web	Servicemember
Person calls and says Im going to be served papers. Ive never received any indication that I owe a debt. Some guy named XXXX XXXX and XXXX XXXX.
06/19/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 92373	Web
The company refused to work with me, refused to set up a payment arrangement so I can be back on my feet!
07/09/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	MI 48114	Web
I borrowed {$3000.00} I have paid {$2600.00} My balance is {$3200.00} This is INSANE Can someone help me
01/19/2024	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	AR 72211	Web

01/05/2024	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	AR 72211	Web

01/02/2024	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Problem with the payoff process at the end of the loan	OH 43223	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MN 551XX	Web

12/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34232	Web

10/26/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Struggling to pay your loan	MN 55707	Web

10/19/2023	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 79603	Web

08/14/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	FL 32311	Web

06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29229	Web

05/22/2023	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AZ XXXXX	Web

05/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 49696	Web

05/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75010	Web

05/16/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 32174	Web

04/11/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	KS 67217	Web

03/30/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33137	Web

03/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 33534	Web

01/07/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MO 63111	Web

11/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	WA 98125	Web

10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48021	Web	Servicemember

06/01/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	UT 84119	Web

05/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85246	Web	Servicemember

04/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 75237	Web	Servicemember

04/06/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	FL 32159	Phone	Older American

02/04/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 760XX	Web

01/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63034	Phone	Older American

12/31/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	KS 67901	Web

11/21/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OR 97303	Web

11/12/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	FL 34491	Web

11/01/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	CO 81611	Web

04/19/2021	Yes	Payday loan, title loan, or personal loan Payday loan	Money was taken from your bank account on the wrong day or for the wrong amount	FL 33912	Web

04/07/2021	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	SC 29670	Web

08/12/2020	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 78041	Web

06/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63111	Web

12/18/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan		Phone

12/03/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect		Phone

11/29/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	IL 60443	Web

10/31/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	VA 22407	Web	Servicemember

10/28/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	NM 87110	Web

10/26/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	VA 24019	Web

09/06/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 76904	Web	Servicemember

07/25/2019	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 75252	Web

04/16/2019	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23223	Web	Servicemember

02/21/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MO 64056	Web

02/17/2019	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	WI 54636	Web

02/11/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	MO 64056	Web

10/22/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OH 44122	Fax

10/17/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	DE 19977	Referral

10/10/2018	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	WI 54433	Referral

09/28/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 23235	Web

09/27/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	SC 29152	Web

09/04/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 79903	Web

09/01/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 23235	Web

08/15/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MO 63601	Web

03/27/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	CA 94534	Web

02/06/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OH 44109	Web	Servicemember

01/16/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	OH 44129	Web

01/07/2018	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OH 45644	Web	Servicemember

12/08/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	SC 29223	Web	Servicemember

12/01/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 77082	Web

11/07/2017	Yes	Debt collection Payday loan debt	Communication tactics Called before 8am or after 9pm	WI 54403	Web

10/19/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 78660	Referral

07/02/2017	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	OR 972XX	Web

04/05/2017	Yes	Payday loan	Payment to acct not credited	TX 78613	Web

10/10/2016	No	Payday loan	Payment to acct not credited	CA 91789	Web

08/30/2016	No	Consumer Loan Installment loan	Shopping for a loan or lease	OH 448XX	Web

06/01/2016	No	Consumer Loan Installment loan	Problems when you are unable to pay	CA 92223	Web

09/01/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 92590	Web

04/23/2015	Yes	Payday loan	Charged fees or interest I didn't expect	CA 90810	Referral

03/16/2015	Yes	Payday loan	Can't contact lender	CA 91358	Web