| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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According to Omni Financials Non-disclosure agreement letter it states, " CREDIT BUREAUS : I understand that you MAY report information about my account to the Credit Bureaus and other appropriate entities as allowed by law. I understand that my good payment history as well as late payments, missed payments, or other defaults on my account may be reflected in my credit report.
IAW 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party 15 U.S. Code 6803 - Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.
As these law states that YOU ( Omni Fiancial ) must not report any nonpublic information to 3rd party affiliates ( experian/transunion/equifax ) unless given consent from the consumer ( ME ) via in writing or electronic signature every 30 daya. I'm also choosing the option to opt out of reporting such information to any 3rd party affiliates as per 15 USC 6802.
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| 02/04/2024 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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per the FCRA as a federally protected consumer, am now opting out any & all authorization i the consumer may have given OMNI FINANCIAL OF NEVADA written, unwritten, verbal & non verbal with regards to trading, selling or reporting my personal information per XXXX XXXX XXXX Obligations with respect to disclosures of personal information. I also exercise my rights as a consumer under XXXX Form of opt out notice to consumers ; opt out methods, XXXX CFR XXXX ( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a non-affiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer.
( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with XXXX.
( XXXX ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( g ) Duration of consumer 's opt out direction.
( XXXX ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
OMNI FINANCIAL OF NEVADA DID NOT SEND PROPER FORM OF OPT OUT NOTICE FOR I THE CONSUMER BUT I HAVE ATTACHED PROOF OF NOTICE TO OPT OUT TO OMNI FINANCIAL OF NEVADA
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| 10/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
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In 2018, when I was about to be XXXX, I contacted OMNI to request a deferment for my original loan. I was concerned about my ability to access the internet to pay my bills during this time. They sent me the necessary paperwork, which I promptly completed and returned. I was then informed that my loan would be placed in a deferment status as soon as they received the paperwork.
However, when I returned, I was informed that my loan was never placed in deferment, and now I owe almost {$6000.00}, including interest and other fees instead of the original {$1200.00}. This has caused a lot of financial turmoil for me, and I am seeking your assistance in resolving this matter as soon as possible.
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| 01/18/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
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- Money was taken from your bank account on the wrong day or for the wrong amount
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Web |
Servicemember |
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Omni violated the Military Lending Act ( MLA ), Electronic Fund Transfer Act ( EFTA ), and Consumer Financial Protection Act of 2010 ( CFPA ) in connection with making installment loans.
I received my loan from Omni Financial under the name XXXX XXXX before getting married. Once I received my loan from the company, I was asked that I repay by allotment. I have been repaying my loan by allotment for over 3 years and was recently told that this was a violation.
Please let me know the proper steps that I need to take in order to get this resolved.
Thank you.
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| 01/29/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
Servicemember |
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Omni Financial of Nevada has continued to avoid my concerns. My account shows C/O of XXXX but amount owed XXXX.
Again, not only did I purchase debt cancellation with the original loan which shouldve took care of this debt but, and mainly, had it not- the balance should still only be XXXX.
Ive never been provided right to dispute, payment plan option, nor a monthly statement outlining interest as required by FDCPA and FCRA.
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| 09/12/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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On XX/XX/2023, I requested verification of my loan agreement. This information was not provided for me. I have not received copies of my original loan agreement. I am asking for this account to be deleted until information is verified. This collection reports an address of XXXX XXXX XXXX XXXX XXXX. I have never lived there and it is not my current address. I asking for this address deleted from all XXXX bureaus.
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| 12/05/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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The company- Omni financial in XXXX Georgia practices predatory lending for service members. They never complied with federal mandates under XXXX when I deployed. The account was closed and charged off as a result of no correspondence while I was hospitalized. The company has since allowed the account to continue to accrue interest and falsely report on my credit.
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| 10/12/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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I am XXXX XXXX XXXX and utilized this company to get a personal loan XX/XX/2022. I didnt know much about the XXXX XXXX how it applied back then but I was given a loan with an XXXX of % XXXX, just kissing % XXXX. I understand that there was a lawsuit with this company and wanted to validate if I was affected by it. I also currently have a loan with this company.
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| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
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All credit reported data is misleading and incorrect on my credit report please review and contact me. XXXX. Please contact all reported liens for signed contracts by company and said individual. Individual Is constantly being harassed by XXXX XXXXXXXX sent by certain XXXX holders. Sharing personal information is illegal and fraudulent.
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| 09/02/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
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- Charged fees or interest you didn't expect
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|
Web |
Servicemember |
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I think i was unlawfully charges interest rates and charge offs with Omni financial.
The charged me XXXX, XXXX, XXXX prepaid finance charge that and it seems confusing reading about my loan and the repayment I was violated under the MLA and SCRA due to me being the XXXX and the unlawfully charging me and pulling from my account
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| 11/10/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
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|
Web |
Servicemember |
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I have recently been made aware of the Louisian SCRA benefits for active-duty military stationed in LA for a 6 % cap on interest rates from creditors and refunds of any interest paid over that. I tried reaching out to the company but was denied due to their interpretation of " Obligation '' expressed in Laws 29:311 and 2:312.
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| 01/30/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Struggling to pay your loan
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Web |
Servicemember |
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Omni violated the MLA. Specifically by allowing me to roll over and refinance the existing loan, exacerbating my financial hardship, there was a clear violation of MLA.
This was only further exemplified by charging for debt cancellation products.
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| 01/24/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
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Paid for debt cancellation Was medically discharged Omni attempting to circumvent policy Omni has not once provided required documentation per the FDCPA Omni reporting 1 account as 2 trade lines on XXXX making it appear as XXXX in charge off
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| 12/18/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
My loan had a debt cancellation provision which should apply as I was involuntarily XXXX from XXXX XXXX XXXX XXXX under XXXX XXXX and honorable conditions.
This discharge directly impacted my ability to repay said debt.
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| 09/15/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Money order, traveler's check or cashier's check
|
- Lost or stolen money order
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|
Web |
Servicemember |
|
A check was sent to me but to my parents house in XXXX XXXX it was dated for XXXX XXXX. My Parents are retired military and do a lot of traveling so by the time I got the check it was voided the amount was XXXX
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| 01/30/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
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|
Web |
Servicemember |
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XXXX violated the XXXX by selling add on products in relation to the loan. This includes debt cancellation for {$750.00}.
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| 12/08/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Company charged added interest and fees Loan begins with XXXX XXXX XXXX XXXX
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| 01/31/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 01/05/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
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|
Web |
|
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| 12/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/28/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 11/27/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 10/25/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/07/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 10/04/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Money order, traveler's check or cashier's check
|
|
|
Web |
Servicemember |
|
|
| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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