| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I have received mails from different financial organizations few weeks back which states that, a loan application was submitted on my behalf from Ray Skillman XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX of a XXXX XXXX XXXX. I like to mention that, I have never applied to get a XXXX XXXX XXXX as well as I have never approved my consent for a credit application. I have contacted all those financial organizations to dispute all those inquiries but they have advised me to contact the car dealership and the dealership should retract my application. I have contacted the car dealership and they have told me that they have not charged and/ or contracted me for anything, and when I have told them to dispute the hard inquiries, one of their managers have told me they have no idea how to do that and they have never heard of such inquiry dispute. However, the manager named XXXX XXXX has advised me if any financial organization and/ or credit reporting agency contacts him, then he will verify that I have not consented to the application and he is willing to verify that it was done mistakenly, he can be contacted at XXXX.
The background of the event is : I saw a used XXXX XXXX XXXX in their website and I inquired about that. When I noticed and also, I was notified that it got sold, I instantly ( on XX/XX/XXXX ) told my handling sales repXXXX XXXX to pause my application as the car I was looking for got sold. Then she asked me if there would be any particular car I was looking to get, I replied saying I was looking for a XXXX XXXX and when she called me in my phone, I also advised here about my preference in terms of year of the car and my budget. Later she told me that her colleague would reach out to me if he found cars of my preference. Next day ( on XX/XX/XXXX ) another sales rep. XXXX reached out to me and advised I had been pre-approved for a XXXX XXXX XXXX and instantly I told XXXX that, the car was out of my preference and I had never asked for a newer car. That was the end of events. Then I started receiving mails from different financial organizations stating a loan application was submitted and either I was approved or I was denied or I was approved with conditions.
As my credit report shows so many hard inquiries in XXXX moth, it impacts negatively on my financial goals and targets. As a result, I am being impacted on a personal level too. So, I am requesting to you to dispute those credit inquiries from my record.
I am attaching my email threads with Ray Skillman as a proof as well as the finance manager at Ray Skillman named XXXX XXXX ( email : XXXX ) can verify that I did not consent for an application nor did I consent for hard inquiry.
The only two financial organizations to which I have consented for a hard inquiry and loan applications are : XXXX XXXX XXXX XXXX and XXXX XXXX. All others were applied without my consent.
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| 10/16/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
Older American |
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received the following email on XX/XX/XXXX : I have no idea who these people are.
Case File Submitted on XX/XX/XXXX DEBT SETTLEMENT Failure to respond may result in a warrant being issued for your arrest.
Hereby we inform you that you are obliged to come as a defendant to the District Court of Appeals on XX/XX/XXXX, at XXXXXXXX XXXX for the hearing of your case of defaulting on a LOAN, CASE # XXXX.
XXXX XXXX XXXX has filed a lawsuit against your Name and Social. After giving several notifications we did not receive any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in the process of informing the Social Security Administration & major Credit Bureaus as well.
You are summoned and required to serve upon Plaintiff. Pursuant to 17 U.S.C 485 ( c ) we are automatically authorized for filing this petition and taking any action to collect this debt from you.
We are hereby directed to withhold any restrained financial accounts and/or cease any income executions immediately.
A violation of the petition filed to collect this debt may be actionable pursuant to 362 ( h ) or as contempt of court and punished accordingly.
THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Then on XX/XX/XXXX i received this : We are talking about the loan amount of $ XXXX that you took with A XXXX XXXX XXXXXXXX XXXX XXXX they do have a signed copy of the contract which is signed under your E-mail address and SSN, and was also traced when you were signing the contract with the company.
ACE Ace loan online, it is a parent company which owns and operates more than 350 websites, you applied from one of our websites and you never bothered to pay this debt, so the creditor wants to know your intention about this matter that what would you like to do whether you are willing to resolve this case or you want to dispute.
The XXXX XXXX has more than 14 types of technical evidence in order to prove the money was successfully deposited into your bank account which was a checking account.
If you are willing to resolve this case then we can provide you a one-time settlement offer of {$500.00} That has to be paid till this Friday as paid in full with XXXX balance.
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| 06/18/2018 |
Yes |
- Debt collection
- Other debt
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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I have and installment with XXXXXXXX XXXX in XXXX XXXX Ok. I am still due for a partial late fee of XXXX. I have received 2-3 calls everyday over a partial late fee. They attempted to call my Job and were told that I could not receive personal calls at work. Since then, someone has called my job twice since being told I can not have personal calls, and then hung up. We do have caller Id at work. I received several harassing phone call and messages saying the will continue to call my job, with being well aware I can not receive calls at work. I spoke with XXXX she stated I was 2 months past due, I told her I am not, I am due for a payment as of today XX/XX/2018 and part of the late fee from XXXX. She insisted on arguing with me say that she will continue to call everyday. I did express to her if I continue to receive the harassing phone calls I will send my cease and desist and will report her to the Cfpb, she responded in go ahead. XXXX was very rude and had a nasty attitude once I told her my name. with this office through mail, I will continue to pay on my account until paid in full. did express to XXXX I will drop my payment in the night drop on the XXXX. I also have a loan with their sister company XXXX XXXXXXXX XXXX, which is through the same home office and I have never had these problems with XXXX XXXXXXXX XXXX, which is right next door to XXXX XXXX. XXXXXXXX XXXX XXXX are friendly and considerate and a great office to be in business with. XXXX XXXX, the staff is rude and they harass you.
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| 06/18/2018 |
Yes |
- Debt collection
- Other debt
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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I have and installment with XXXX XXXX in XXXX XXXX Ok. I am still due for a partial late fee of XXXX. I have received 2-3 calls everyday over a partial late fee. They attempted to call my Job and were told that I could not receive personal calls at work. Since then, someone has called my job twice since being told I can not have personal calls, and then hung up. We do have caller Id at work. I received several harassing phone call and messages saying the will continue to call my job, with being well aware I can not receive calls at work. I spoke with XXXX she stated I was 2 months past due, I told her I am not, I am due for a payment as of today XX/XX/2018 and part of the late fee from may. She insisted on arguing with me say that she will continue to call everyday. I did express to her if I continue to receive the harassing phone calls I will send my cease and desist and will report her to the Cfpb, she responded in go ahead. XXXX was very rude and had a nasty attitude once I told her my name. with this office through mail, I will continue to pay on my account until paid in full. did express to XXXX I will drop my payment in the night drop on the XXXX. I also have a loan with their sister company XXXX XXXX XXXX, which is through the same home office and I have never had these problems with XXXX XXXX XXXX, which is right next door to XXXX XXXX. XXXX XXXX XXXX are friendly and considerate and a great office to be in business with. XXXX XXXX, the staff is rude and they harass you.
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| 07/13/2017 |
Yes |
- Debt collection
- Payday loan debt
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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Was contacted many times at my work number. I deal directly with the public and always have a client or fellow associate near by. Told XXXX every time she called please do n't contact me at my work number, but she continues to do so. Last time she contacted me at my work number I was in a meeting with my supervisor and our regional supervisor. I had to explain to them that it was a personal call and what it was pertaining to. I then was pulled aside and given a verbal warning from my supervisor about receiving personal calls at work. These calls are threatening my employment and need to stop. XXXX uses scare tactics when she contacts my husband, she will tell my husband if we do n't call her or make our payment she will be forced to call XXXX at work knowing she 'll get a response.
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| 09/20/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
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I have been harrassed by ace loans of XXXX tx XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I am paid twice a week so my payments are arranged twice a week. I have been receiving harassment phone calls from XXXX. I have spoke with someone on XX/XX/19 confirming a resolution for their actions but I am still receiving phone calls. Ace Loans are calling my employer at XXXX and my personal number at unprofessional times of the day. I recieved a phone call from them twice on XX/XX/19 at XXXX. Ace Loans has called my employer several times on XX/XX/19. This is harming my personal life and my relationship with my employer.
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| 03/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Can't contact lender or servicer
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Web |
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Some one else received a loan online from Ace Loan company in my name. I have not received a loan from them ever. Some one stole my Arkansas ID and used that. This collection company wants to garnish my account for something I did not do. The incident number is XXXX. The email that I need to send information to that someone did my name under fraud is XXXX If someone could please contact me back at XXXX or XXXX ( c ) it would be greatly appreciated.
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| 02/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
Servicemember |
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I applied for a payday loan a while back. I am receiving threats about a warrant for my arrest. Ive told these people I can not afford to make the payment amount the company is asking for. The company is Ace loan online. I can not afford to make payments because I live paycheck to paycheck. I even asked to set up a payment plan of XXXX dollars until the full amount of the dept is paid in full.
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| 06/10/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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this company called and left private personal messages on my voicemail and also my friends and family. Now today I have been served papers for small claims court. I already filed a complaint and they stated that account was charged off. I want this to be taken care of so that I do not have t pay anything. They violated the FDCPA law by the messages they left.
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| 12/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Received a loan you didn't apply for
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Web |
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I got emails from XXXX XXXX saying I took out a loan from Ace loan I dont know who this company is and I have never received funds they say I did I think this is fraud please check out and let me know they keep harassing me with emails
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| 09/01/2021 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Told you not to respond to a lawsuit they filed against you
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Web |
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Received threatening emails and phone calls regarding being served with court documents and a law suit as well as several criminal charges unless I paid them in the next 2 days I believe it to be a scam and didnt know where to turn
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| 10/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
Servicemember |
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I paid XXXX XXXX {$500.00} to fix my credit and no services was done to my credit. I've asked for refund and no refund took place nor fixing my credit
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| 01/29/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
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- Received a loan you didn't apply for
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Web |
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| 01/04/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 12/15/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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| 04/28/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Was approved for a loan, but didn't receive the money
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Web |
Servicemember |
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| 01/04/2018 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Phone |
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| 04/20/2017 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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| 05/10/2016 |
No |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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| 04/14/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Phone |
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| 07/31/2014 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
Servicemember |
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