CARS Acquisition, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/20/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NY 134XX	Web
I have become recently involved with a buy here pay here situation where a local dealership hires a finance company by the name of CarFinancial services, a quick contract is drawn up and I purchased a vehicle with financing. I had originally set up auto pay but they couldnt seem to get that right so issues with them have stated from day one. On the day that I looked at my vehicle ( XXXX XXXX XXXX ) it was located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, I am a huge fan of this particular make and model especially since XXXX no longer manufactures this vehicle. I had to have it! This was on a Saturday, nobody was at the dealership but there was a note to callthis number if immediate service is needed. So my boyfriend called the number and spoke with a XXXX who seemed to be the owner. We told him we are very interested and wanted to put down a deposit right away to secure the purchase. XXXX came immediately to the dealership took our {$1500.00} cash scribbled out a hand written receipt and told us to come back on Monday. So we didfilled out some paperwork provided my dmv info then he tells us he will call us when everything is ready to pick up the vehicle. This took 3 days which I thought was extensive but I was just happy to finally be able to pick the vehicle up. On the day we picked up the vehicle, on or around XXXX XXXX, my boyfriend XXXX, had also paid for my first months payment for XXXX so leaving there I was comfortable in thinking I didnt have a payment until XXXX, XXXX. In the meantime another person by the name of XXXX, who was explained to me is the manager of Car Financial Services spoke to me confirming my information and set up auto pay to come right out of my checking account.and I had specifically told him during that conversation the my first payment for XXXX was already made in cash to XXXX at XXXX XXXX XXXX so he confirmed to me at that time no payment will be drafted from my account until XXXX. Well I kept getting bills and reminders delivered to my email address about an upcoming payment that will be drafted from my account in XXXX. So naturally I called several times and even sent emails and text messages reminding them of the payment we made in cash that was to be applied as XXXX payment. Nobody returned my calls or messages so Of course this was never done so my account was unexpectedly drafted for a payment anyways. Now as most people these days I live paycheck to paycheck so this naturally overwhelmed me and my account became overdrawn resulting in several fees. I finally spoke to a customer service rep at Car Financial directly who was very apologetic and explained to me that if I ever make a cash payment in person again to call the 800 number at least 48 hours prior to the draft date so they can stop it. So this being my first major issue I became very skeptical and questioned the reputation of this whole buy here pay here arrangement. Since this issue was eventually resolved, I decided to give them the benefit of the doubt and thought maybe this was a one time fluke so left my auto pay in effect. A couple of months later I had been laid off from my job so I sent an email explaining my hardship and asked if I could skip a payment I believe was in XXXX, again my message was ignored so a couple of my payments ended up being returned from my bank as there were insufficient funds. ( See copies of messages sent via email ) Again more fees added to my account only this time I am unemployed and really struggling. My frustration level was increasing by the day. Since this happened car financial ended up locking me out of my online account. So whenever I did want to make a payment in attempts to catch up I couldnt do it electronically. I felt extremely nervous about having to pay at the dealership as XXXX from XXXX XXXX auto made me extremely uncomfortable. Since I had no choice I sent my boyfriend a couple of times to pay cash. I wouldnt get receipts until days later. One time the payment that he tried to put through was more than my normal {$300.00} payment so this XXXX had repeatedly tried taking out additional payments in all different amounts which confirmed my doubts about their reputation so I ended up stoped the auto pay altogether. I cant tell you how many times their transactions resulted in overdraft fees. To this day my account remains locked out, its almost as if they purposely force my account into default each month so that they can harass me and threaten me. Ive even tried setting up auto pay again all so I didnt have to deal with them but they wont let me nor will they allow me to make electronic payments anymore. I fell behind again.I was eventually caught up on my payments this past XXXX but they sent the repo guy out anyways as XXXX from Car Financial refused to apply my payment after asking him several times. See conversations via text message. Luckily I had my receipts so the repo guy eventually backed off. Im trying once again to make a payment, not due until the XXXX but cant make it because Im now locked out of my online account AGAIN which shouldnt be since I am caught up. Ive spoken to both dealership XXXX and manager of Car financial services XXXX SEVERAL times ..they continued to be rude, condescending and extremely unprofessional. I dont want to have to talk with them ever again. They have to this date caused me much XXXX to the point that Ive gone into full blown XXXX XXXX. I dont have the best credit so cant find any other company for refinancing. Im at my wits end with these people and they repeatedly treat me awfully. I feel like returning this vehicle but Ive already made almost 12 months worth of payments plus {$1500.00} down ( which they have not applied to the balance of my loan ). At one point I had made two payment but they never applied them using the excuse that my account was suspended and I had to make another double payment which according to my records was not the case. Both XXXX continue to threaten me and Im afraid they will send the repo guy out again. I forgot to mention earlier that this repo guy threatened me with a taser gun the first time he was here because I wouldnt get out of his way of taking my vehicle.. Of course after he spoke with someone over the phone he had learned that my payment were in fact up to date. We ended up sending him in with XXXX 's payment just in case and now they are saying I am due for XXXX 's payment when I paid the repo guy for XXXX 's payment?????!!!!!! I shouldnt have to go through all of this chaos in order to finance my vehicle. This posse of auto salesman, finance manager, and repo guy terrify the XXXX out of me and they're obviously all in cahoots. My XXXX is out of control at this point. I have been working extremely hard to re-establish my credit but with their repeated reports to credit bureaus saying Im late is having a negative impact keeping my score low so I cant refinance with another company. This whole experience is nothing short of a never ending nightmare and I dont know what elses to do so I am filing this complaint in the hopes that something can be done to reprimand this organization from mistreating myself or anyone else for that matter. I cant imagine that I am the only one to complain about this scam of a dealership and finance company. I believe these XXXX XXXX are somehow in cahoots with each other and continue to scam other customers along with myself. For what? I don't know I hope that you all are able to investigate them and find out for sure and put a stop to their harassing ways. I appreciate you taking the time to read about my concerns, if you need me to do anything else from here on out you have my full cooperation. Sincerely and respectfully, XXXX XXXX.
03/16/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 27858	Web
I made a ACH Payment of {$300.00} on XX/XX/XXXX for my car payment that was due the previous month. I didnt see it pop up on it in the recent payments so I made another one of {$290.00} on the XXXX and XXXX XXXX Those did show up on my account. So I called Car financial services to cancel the first {$300.00} payment and they refused to. I explain to them that I accidentally made another payment of {$300.00} because I did not see the first payment of {$300.00} on the account. I told them that I only had the {$330.00} in my account so that payment should go through. And the last one of XXXX will not go through. The person I talk to said this was fine and that the last payment would just be returned after the other one was processed. I was told this on XX/XX/2022. I called again, yesterday XX/XX/XXXX, because I noticed that the money has not been taken out of my account yet and it has been seven days since I scheduled the ACH payment. When I called they told me that all my payments were returned and that none of them went through. This was impossible because the money was still sitting in my account. I did have the money in my account for the XXXX but I told them that I did not have the money for the XXXX payment that I accidentally scheduled. I explained this to them and they claimed that all three payments were returned even though the payments were made through two different bank accounts. I dont know how its possible for all the payments to be returned especially the ones that I told him I had the money for. So I called on the XXXX and that is when my new car payment is due. So I spoke to somebody I dont remember her name, and she handled the situation horribly. She told me that since it is the XXXX that I would owe the past due balance plus the nonsufficient funds fee plus the new payment. This would mean that I would owe almost {$700.00}. I told her that I would like to just pay the past due amount of {$340.00}, because that was due. She refused the payment and said no that I would have to pay the {$700.00} and that she would not except anything less than that. I told her that this was not fair and that this was not true that my payment was absolutely due today because I am normally given a 10 day grace period on my car bill when it is due on the XXXX meaning when my bill is due on the XXXX they usually give me up to 10 days to pay it so I do not understand to why I owe the money today and why I had to pay it today on top of the past due balance. I did not refuse to pay the past due balance I just explain to her that the new balance for XX/XX/XXXX I did not have but I did have the money for the past due balance. She refused the payment again she said I was rude and said she doesnt want to talk to me or deal with me anymore. She said and I quote I do not want to talk to you anymore or deal with you anymore Im going to sell your car back to the dealership. She hung up on me when she said this. I called the dealership shortly after and they were confused what was going on and didnt have any information at the time. I called the car financial services again and they said she did in fact sell my car back to the dealership. So I called the dealership and XXXX the sales agent, said she spoke to XXXX in a text message I think. And the agent that was handling my case and that said she would sell my car back to the dealership, told the dealership that I refuse the payment, said I wasnt going to pay my car off anymore, and said that I wasnt going to pay the nonsufficient funds. This is absolutely not true. I did not refuse payment I just told her that I did not have {$700.00} To pay the new balance. I told her, ( The sales agent ), that I would pay the {$340.00} which was the past due balance. I did not refuse to pay my car and I did not say I would forfeit my car back to the dealership because I did not want to pay this. I just explain to her that I did not have the XXXX that was due on XX/XX/XXXX. I told her I had the past due balance but she refused it. So the sales agent that I spoke to lied and got my car sold back to the dealership like she claims she would. She was upset with me so she sold my car back to the dealership and lied. This is completely unacceptable and not fair to me. I did not know it was possible that just because a car company agent got upset that they were allowed to do whatever they wanted and lie about it. The phone calls are recorded so I implore that someone please listen to the phone calls and go back and see that I did not say I wasnt going to pay I was trying to make a payment and she refused to take it. I am very upset by this and Im so frustrated that just because she wanted to lie and she was mad at me she was able to sell my car back to the dealership and put me in repossession. Im hoping somebody can resolve this issue this is absolutely not OK. This is not the first time I had an issue with Car financial For every time I call them and theres always a problem with their agents being rude or not trying to work with me when it comes to my car payment. I explain to them that I was going through a financial hardship due to Covid and then I was doing everything I could to make a payment. They also refuse to accept any partial payments for me. And on my pay schedule I get paid weekly. Meaning it is hard for me to make a full payment in one lump sum so I asked them could I do weekly. They refuse every time. When I try to make a partial payment they lock my account and therefore I am no longer to make any payments at all. Even when I called them they tell me they will not take a partial payment I have even have had someone hang up on me because I told them I dont understand why you guys can not take a partial payment just until I get the rest of the money next week. This makes it extremely difficult because it allows them to go longer without a payment at all so they can claim that Im not trying to pay my car payment and this is happened before. Also different rules apply when talking to different agents. But when I called them yesterday an agent told me that my balance was XXXX then I spoke to somebody else and they said my balance was {$700.00}. Im not understanding why certain agents are allowed to make claims and its held is true.
11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85040	Web
I purchased a vehicle from XXXX XXXX, in XXXX, Arizona, XX/XX/XXXX. I was only contracted with XXXX XXXX, per contract. Car Financial Services is committing Identity Theft, pursuant to XXXX XXXX XXXX ( q ) ( XXXX ) by continuously fraudulently reporting to XXXX, XXXX and XXXX, regarding my contract agreement with XXXX XXXX. I have requested, on several occasions, that Car Financial Services provide the documentation that authorizes ANY use of my credit profile. I spoke with XXXX XXXX and XXXX XXXX, via phone, at the XXXX XXXX for Car Financial Services, on XX/XX/XXXX, regarding the unlawful reporting by Car Financial Services. I informed both employees that not only was Car Financial Services unlawfully reporting on my credit profile, but reporting TWICE for the same car loan. XXXX and XXXX cited, what they believed would be on the contract, as the foundation for the continued Identity Theft, stating that the clause in the box at the top of the contract allowed XXXX XXXX to transfer the contract to an " Assignee. '' I informed both, XXXX and XXXX, that the contract proves that XXXX XXXX is also the " Assignee '' on the contract, not just the seller. XXXX and XXXX cited the fact that the file had been returned to XXXX XXXX due to alleged incomplete payments being made for the vehicle, and XXXX XXXX allegedly paying off the vehicle on my behalf. I informed XXXX and XXXX that this information was, again, incorrect, as was the payment history being reported to the three major credit reporting agencies ; as all three agencies show different information and none which is correct. XXXX and XXXX informed me they had no further records to provide, and refused to provide any information regarding how to speak to Car Financial Services Legal Department. I was able to find the contact information for Car Financial Services. I was contacted by someone purported to be XXXX XXXX XXXX, a legal representative for Car Financial Services. XXXX informed me of the same information as the previous Car Financial Services representatives : that the contract with XXXX XXXX authorized the credit reporting by Car Financial Services and, the contract and payment history are the only available information the company currently has, after returning the file to XXXX XXXX. I, again, informed the Car Financial Services rep that in accordance with 15 USC 1681 the company only had 3o days to prove authorization existed. Car Financial Services still has not and can not produce the demanded documentation, and has refused to act lawfully by ceasing to report the unverifiable derogatory information attached to my current credit profile. As of this writing, Car Financial Services has unlawfully reported a total of 46 months to XXXX, between the two times the company appears for the same car loan. As of this writing, Car Financial Services has unlawfully reported more than 40 times, prior to having one of the duplicate loan entries removed XXXX, XXXX ; but still continues to negatively report on the other, as of this complaint. XXXX removed both Car Financial Services entries after a dispute challenging the XXXX XXXX Compliance of the records presented for reporting the alleged account. Both accounts appeared on the XXXX credit profiled for more than two years. XXXX, XXXX, and XXXX all improperly used my consumer report by securitizing consumer data, yet refusing to provide a copy of my CONSUMER FILE NOT MY CONSUMER REPORT. All three bureaus and Car Financial Services are liable under their SEC agreements to follow certain rules concerning consumers. I will be filing 211 Treasury OMB Forms to audit consumer accounts. The above-mentioned companies are obligated by the FCRA to report accurate accounting. I have advised all listed parties that ALL delinquent reporting for this account is fraudulent, per law. I am, again, demanding the appropriate documentation, signed application with a wet ink signature. I am not asking for an XXXX report. If the said companies do not have the appropriate documentation to show these were in fact authorized reportings it must be removed immediately. I have attached a copy of the contract, which shows no sign of Car Financial Services, and assigns the contract as a " Buy-Here, Pay-Here '' transaction to XXXX XXXX. Paragraph 11 of the contract states : " This contract, together with any other written agreements contemporaneously executed by you and us, constitutes the ENTIRE agreement between you and us and may not be altered or amended unless made in writing and duly executed by you and us. ''
10/07/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	NV 89048	Web	Servicemember
XXXX of XXXX, I bought a XXXX XXXX XXXX from a dealership here in XXXX XXXX, NV. They got me finance through Car Financial Services here in XXXX XXXX, NV. In XXXX of XXXX, a gentleman decided that he wanted to broad side my new truck. My insurance company paid it off in a matter of days. After that I purchased a XXXX XXXX XXXX from the same dealership, but at a different location. I was financed through the same lending company, Car Financial Services. I miss understood that there was no grace period on the payments. I missed the payment date and was considered delinquent and was referred back to the dealership. I promptly made the payment to the dealership and was pick up again by Car Financial Services. I made XXXX 's payment on time. At that point, I had my payment date to match my VA compensation payment date. In XXXX of XXXX, I made my payment over the telephone. At that time, I asked the customer representative why i was being reported to the credit bureaus. He informed that they report it ever month, and condescendingly said that i must use XXXX XXXX. He made it sound like was I ignorant and did not know what I was talking about. I had the same conversation several times throughout the past year. I informed most of the customer representative I talked to that my first loan was there and closed, but the second was not there. I was always informed that it is automatically reported. In XXXX of this year, I wanted to try to get my truck refinanced to lower my interest rate. Finally someone agreed with me and saw that it was not being report and told me what to do. I preceded to get a hold of the credit dispute team for Car Financial Services. I then got a letter in the mail from them stating that I was right it is no where to be fold on any of the credit bureaus. I requested that that it be posted and i was informed that the account ; as far as, the credit bureaus is concerned my account was closed and could not be reported. Why can they report one account a decide not to report the other. I asked why it was closed and not being reported, i was informed that it was done last XXXX. Also, Car Financial Services didn't would not to post it. You see I wanted to accomplish 3 things. One. of my goal was to get a bad XXXX new truck that was done. the second goal was to try to improve my credit rating and get refinanced. Hoping that would improve my score enough to use my VA loan to buy my Mother 's property for her as a present. this was the third and finally thing. Now knowing that I can't accomplish any of things, I am some what XXXX. I don't remember being told that the account was never going to be reported. I then was informed by the credit reporting team that they didn't have to tell me and it was their choice to report it or not. Which i found out to be true, I can't get my truck refinance and i will have to find another way to improve my score. The other option is to go ahead and file bankruptcy and start all over!
10/11/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70806	Web
i have tried many times to correct this account, Car Financial Services ( # XXXX ) on my consumer report most recently XX/XX/XXXX i contacted the consumer reporting agency about said violations according to FCRA 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. ( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( XXXX ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. The Gramm-Leach-Bliley Act ( GLB Act or GLBA ), also known as the Financial Modernization Act of XXXX, is a federal law enacted in the United States to control the ways financial institutions deal with the private information of individuals. The Act consists of three sections : The Financial Privacy Rule, which regulates the collection and disclosure of private financial information ; the Safeguards Rule, which stipulates that financial institutions must implement security programs to protect such information ; and the Pretexting provisions, which prohibit the practice of pretexting or accessing private information using false pretenses. The Act also requires financial institutions to give customers written privacy policy notices that explain their information-sharing practices.
04/13/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	GA 31322	Web
I bought a XXXX from XXXX XXXX of XXXX. I soon learned it was a lemon.I 'm aware of Georgia 's lemon laws, but I can not and will not sit back and let both XXXX and Car Financial Services rob me and countless others. If you take a look on XXXX XXXX page, you will see numerous complaints about the vehicles they sale and the owners criminal history of robbing and lying to customers. Because of the constant repairs, I was unable to keep up with car payments to Car Financial Services and very high and required full coverage insurance. A lot of times I had to choose between car payment, insurance payments or mechanical fees, when car payments were chose, the vehicle sat inoperable. Out if the almost 2 years of financing the vehicle I drove it maybe 18months. During XXXX the car was running, no where near at its best ( no heat, no AC, overheating, front end axle rattling, water pump going out ) but it got me back and forth to work and it started without a problem. I knew the car was in danger of being repossessed and honestly I was over it, I wanted them to come get it, in which they did on XXXX. I just was recently notified of a payment for {$140.00} that posted to my account with Car Financial Services. After speaking to them I learned the car sold for {$600.00}, well below the fair market value of {$2900.00}, which makes this resale commercially unreasonable. I was also informed of mechanical fees that were charged to me totaling {$230.00}, because the car would not start. The car started up without any issues while still in my possession. It had numerous other issues, but it did start. Therefore I should not have been charge a mechanical fee. They are so corrupt I would not be surprised if they " said '' it didnt start to collect more money from me. I honestly hope the new buyer is aware of all the issues this vehicles has. I was told by XXXX at Car Financial Services that the car was running fine until XXXX. More than a month since the car was no longer in my possession. I also had well over {$1000.00} worth of personal property inside of the vehicle that I have no idea where it 's located. From my understanding, I also should have been informed of the auction site, date and time, in which I was not. To me, these are grounds for me to contest a deficiency judgment. I would rather not get lawyers involved but I will. I was cheated with this vehicle. I put over {$4000.00}, not including repairs and to only have {$140.00} applied to a vehicle that they believe was only worth {$600.00} is an insult. I would like this account with them to be removed from my credit, or I will indeed sue for the remaining balance they say I owe on a {$600.00} vehicle.
01/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30815	Web
On XXXX XXXX, XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX XXXX, XXXX, Georgia stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account CAR FINANCIAL SERVICES via phone, email or fax. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with CAR FINANCIAL SERVICES ( XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX ). On XXXX XXXX, XXXX I received official correspondence from Recorder of Deeds in the county of XXXX XXXX XXXX XXXX, Georgia, ( XXXX XXXX XXXX, Clerk Superior, State and Juvenile Court, XXXX County, Georgia ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XXXX XXXX, XXXX I sent legal notarized affidavits from XXXX County, Georgia to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, TX XXXX ( XXXX. XXXX XXXX, XXXX, TX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with CAR FINANCIAL SERVICES ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ). On XXXX XXXX, XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing CAR Financial Services , Inc. the following : I do n't know anything about this debt please send to the Original Creditor. As Resolution of this complaint, I ask that CAR Financial Services , Inc. stop all current and future correspondence with me and their company be erased from my current credit report. Thank You, XXXX XXXX
05/10/2019	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CA 90011	Web
I purchased a car from XXXX XXXX located in XXXX XXXX XX/XX/2019. I was initially told via XXXX what information to bring and how much down. I brought all required information. My payments are due bi weekly based off my pay date. After getting to the dealership I was asked to pay {$500.00} more down. I was told I can pay it within 10 days. On XX/XX/2019 I made a payment of {$300.00} directly to XXXX XXXX office. That left a balance of {$200.00}. My regular payment of {$210.00} wouldnt be due until XX/XX/2019 and I have a 10 day grace period. On XX/XX/XXXX I received a letter from car financial services saying I owed {$1000.00} by XX/XX/2019. It said I have a past due of {$500.00} and my payment was {$500.00}. I called and said explained my contract says I pay $ XXXX monthly. {$210.00} starting XX/XX/2019 then my next payment of {$210.00} two weeks later. So the person I spoke will pulled my contract and still acted like her contract said something different so I told her I would seek legal assistance so then car financial services said they would t contact me about any payments and send my account back to XXXX XXXX. Since I was having so many mechanical issues with the car and to the point its inoperable at times I requested the remaining {$200.00} be split Into 2 Payments this was agreed upon by XXXX XXXX prior to any communication with Car Financial Services. After speaking with Car Financial Services they still reported false information to my credit report saying my monthly payments are {$1000.00}. My monthly payments are {$420.00} total. Its not even my original due date and Im receiving notices saying Im past due on XX/XX/XXXX. I only owed {$200.00} more on the down payment after already paying {$2800.00}. Also the amount owed on my credit doesnt reflect the {$300.00} I already paid and for some reason my blance is still incorrect.
09/18/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 78217	Web
Im a couple mth behind due to XXXX laid off and me being XXXX I got the boot first because I made less hours already plus I was getting surgery done so they thought it was best. Shortly after surgery my roof at the star club apartments collapse on me and my wife send me into a deeper recovery. After coming out of recovery I was asking for a little more time to make it up I promise I could have and still can just with a little more time before selling my car today Im pawning and losing a lot just to keep my car and just need a little more time its XXXX I owe but they only gave me a week after recovery to come up with it witch sends me into a panic and then XXXX Im XXXX and need the car to get to my doctors appointments and my daughters ima single parent now and coming back from recovery this isnt wat I wanted this is all I truly have since all the roofing collapse on are stuff and ruined to where we are suing the apartments because we try to tell them but nothing got back to us now Im losing the only thing that helps me get around to make money to just for the car not only that but most of my belongings are in there my clothes my shoes my daughters stuff plus my wifes wedding rings and if they cant give me my car or time to pay then I would like my valuables but much more meaning to my XXXX yr old daughter she hasnt had her bear for so long and her crying still hasnt stopped from the time of sleep till morning all Im asking for is time or my families stuff Ive been having seizures back and forth on this I just need it to end plz help me ASAP today if possible My car is already reposed and in there words would be in storage for long Im stressing this out to the point where my XXXX are coming back uncontrollable due to losing so much already.
12/11/2019	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	FL 32811	Web
In XX/XX/XXXX I was forced into a payment arrangement with no other options based off the branch my title is located. I was given the amount of {$470.00} but the last payment change in XXXX the week I was supposed to make a payment TO {$500.00} I was told it was a additional late fee added but the late fees are {$32.00} which is not adding up. I spoke with someone who stated to tell her which bill and she will decide if I can make the payment. I received a call Monday and inform the company I could make the payment of the {$500.00} on Thursday XX/XX/XXXX was told no and the collector hung the phone. I called back informed the next collector of what happen and to process the payment on my account for Thursday XX/XX/XXXX and received a confirmation number. The collector who processed the payment took the funds out of my account on Monday XX/XX/XXXX. I called to address the situation and spoke with the same collector, she stated I gave her permission which I told her there is a recording of the entire conversation. She then started to yell and hung up the phone. I called back and I ask to speak with a manager and collector told me he is busy. I also asked where was the office located to speak with a manager and the response was where your title is ( Title for the car ). Being this payment was processed without my permission on a day I did not authorize, I now have bank fees and my account is over drawn.
12/11/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	MD 20737	Web
XX/XX/2018, I Bought a car at XXXX XXXX XXXX XXXX in XXXX, VA. I Agreed on XXXX as the price and put down {$1500.00} cash. I was presented with paperwork that essentially nullified the {$1500.00} in Tax tag title and dealer fees, with the balance remaining at {$3500.00} @ 14 % for 48 mos. I never received tags, despite getting a DC registration as instructed. More than a month later, I received a payment book for a company in my general area, called XXXX XXXX XXXX. I paid them once at their PO address and once in a drop box at their office. The total of these payments was over {$350.00}. After two months, I received notification I was to pay a company called XXXX XXXX, via a barcode scan and cash at XXXX, I began paying them in XXXX, and to date have paid them over {$770.00}, all the while receiving harassing text messages and refusals to present a statement each month.
03/21/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AL 36801	Web
Purchased XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, AL on XX/XX/XXXX. Paid {$700.00} down with 15 {$220.00} payments. We paid two payments directly to XXXX and in XX/XX/XXXX XXXX sold the contract to XXXX XXXX. We made three payments directly to XXXX XXXX. The payments are sent in the form of a check directly from our bank and the bank has verified the checks to XXXX were received and cashed by XXXX. As of today, the two payments we made to XXXX have yet to show up causing our credit to spiral downwards because its showing 60-89 days past due. Have spoken with both companies and they tell us to get with the other one to get it fixed. Meanwhile, late fees are accruing and no one wants to do anything about it. Help please because the arbitration agreement wants us ( the consumer ) to pay for all arbitration fees and on XXXX thats literally impossible.
07/18/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	SC 29229	Web
Im a XXXX who had a joint account with my sister.She had a car loan with XXXX XXXX but was having problems with the car and wasnt able to make payment due to the expensive of the car to repair it so she spoke with them and told them about the issue and the car was no good and the repair was to expensive.She talked to the lender and the agreed to come get the car.The car is now in possession of the lender and she no longer has the car but is still being charged for another months payment and its reporting on credit report when she already sent the car back a month ago.This is effecting my credit bad and I dont think I should be getting charged and she doesnt have the car no more.So this company is reporting a negative payment history about a payment thats inaccurate that Ive disputed but they wont take off my credit.
11/11/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL XXXXX	Web
I financed a XXXX XXXX XXXX from a buy here pay here dealership called XXXX XXXX in XXXX, FL on XX/XX/2019 for {$4900.00}. Since buying the car I have had nothing but trouble from it. The driver side seat belt didn't work, it needed a tune up, there was a scrubbing noise coming from the undercarriage. I took the car to Georgia and it broke down on me several times including the tires blowing out on me twice. I finally got the car back down to XXXX and called them to come get the car and they did on XX/XX/19 I am filling this complaint because I want the financing company, Car financial services to close out and delete the account from all three of my credit reports. This situation has caused me great undue stress and hardship and I want it resolved. Thank you.
03/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35801	Web
I have had to make disputes twice already against car financial services for incorrect reports they have made to transunion. Which they finally corrected after telling me they could not remove the incorrect info. Then XX/XX/2022 they once again have reported false information to transunion stating that I am 30 days delinquent in the amount of XXXX $ I made that payment via automated system through my checking account on or about XX/XX/2022. As of XX/XX/XXXX car financial does not even hold the loan for the account. I have repeatedly had problems and discrepancies about monies owed to them.In one day their mishandling my information caused my credit score through transunion to drop XXXX points
05/16/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	VA 23059	Web
On XX/XX/XXXX I purchase an vehicle from XXXX XXXX located in XXXX Va, My contract was for buy here pay. However I received a Welcome letter from XXXX XXXX on XX/XX/XXXX staying that they have brought my account from XXXX XXXX. I never signed any documents nor does it says in my contract that XXXX XXXX can sell this vehicle without my premission. I check my credit on XX/XX/XXXX. I see that I have a car loan financed from XXXX XXXX open on XX/XX/XXXX. I called this company several of times, I can not get any information they keep telling me to call XXXX XXXX. This company has lied to me and reported inaccurate information on my credit report.
09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NM 87002	Web
I received my credit report the beginning of XXXX and it showed a drop XXXX points. When I looked into this I found out that XXXX XXXX XXXX Who I bought my 2007 XXXX XXXX through, had falsely reported to the credit Bureau that I had missed a payment in XXXX I sent them bank statements and receipts and still they refused to remove or change it. I disputed this twice with credit karma and once with XXXX XXXX directly, I still have had no luck despite providing all the proof even receipts from the car financial that they received payment
07/20/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Loan sold or transferred to another company	TX 77084	Web
I was lied to when I purchased a car. On the website it clearly states in house finance and no credit check. The Salesman at XXXX XXXX XXXX some me a car checked my credit and also never informed me that he would sell my loan to a throes party company. As I signed documents for the vehicle he didnt go over each page with me letting me know what I was signing. He also added my spouse to the purchase of the vehicle without her consent. About six months into making payments I was informed that I had a new finance company.
10/21/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	LA 70806	Web
This company is in repeated violation of my rights, under FCDPA the violations are as follows 1692 ( e ) 2 character, amount or legal status, 1692 ( c ) c after written communication to stop communication or about paying a debt. 1692 ( e ) 8 threatens or communicates false credit information including failure to dispute information, 1692 ( f ) f an attempt to collect an amount of of the original agreement also 1692 ( g ) where company failed to send a 30 day validation notice within 5 days of initial communication.
07/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36605	Web
To be honest i don't know what happen the finance service appeared on my credit report and I've never financed a car through them they appeared on my credit in XX/XX/2019 car financial services i tried disputing it but it came back that it was correct but its not i haven't financed a car in about 10 years and this company wasn't the company i went through and the car is paid off so i meed this removed off of my credit report..
06/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MN 55343	Web
XXXX credit reports i have an outstanding balance of {$770.00}. The company name that shows up is Car Financial SERVICES. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Everytime i call i am told there is no record and then i am hung up on. Which I did purchase a vehicle at XXXX XXXX in XXXX XXXX XXXX Mn. in XXXX. Paid off by XXXX.
05/06/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	TX 77047	Web
I purchased a loan from XXXX XXXX XXXX who later went out of business and transferred the loans to Car Finance Services. All the money I had paid XXXX XXXX was not credited to my account. It's as though they stole the money. Now Car Finance Services is showing past due and none of the money I paid is reporting.
08/15/2023	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	NY 12304	Web
I'm being charged a 29 % interest on a loan that I couldn't continue to pay because the interest was too high. I ended up getting the vehicle repossed because I couldn't afford the interest. I have called for the original contact and validation of debt multiple times and they don't send it out.
04/25/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	FL 33782	Web
The loan is not mine and Ive already reported to the company of such information in 2019. The account belongs to someone else. My information was wrongfully used. The company Car financial services is still reporting to all three credit bureaus that I have an outstanding balance.
09/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 395XX	Web
i notice a negative item on my account from CAR FINANCIAL SERVICES and sent them a letter on XXXX asking for information dealing with this account, in which i attached a copy below.
05/21/2022	No	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	IL 620XX	Web
XXXX XXXX sold my contract with out me knowing and they didn't fix my car. And I'm paying XXXX a month I feel like XXXX XXXX scammed me.
03/06/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AL 367XX	Web
The people I bought my car to reported it to a finance place and now they both are wanting me to pay them
09/11/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	TX 78237	Web
Purchase date XX/XX/21 Still no license plates Dealer agreed to fixing vehicle and has not
05/15/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	NV 89032	Web
Institutions refuse to report payments to the credit bureau to show Ive paid my car off.
02/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29605	Web

02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70570	Web

01/30/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	MP 96950	Web

01/16/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	LA 70570	Web

01/08/2024	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85040	Web

12/20/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 339XX	Web

12/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30224	Web

03/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35758	Web

02/27/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Loan sold or transferred to another company	NC 28214	Web

02/22/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 33319	Phone	Older American

01/11/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NV 89123	Web

12/20/2022	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	TX 75056	Web

12/02/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NV 89015	Web

11/18/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	SC 29212	Web

10/10/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	NC 28472	Web

10/10/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	NC 28472	Web

12/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29418	Phone

11/02/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 31206	Web

10/03/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	SC 29556	Web

09/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32225	Web

05/17/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33023	Web

03/10/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	TX 77705	Web

12/06/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	GA 30052	Web

11/12/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	FL 33432	Web

07/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NC 28403	Web

11/09/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	AL 35805	Web

07/31/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78245	Web

02/09/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CO 80906	Phone

12/04/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IL 61611	Web

06/06/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 75093	Web

08/17/2015	No	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	AK 72401	Phone