| 03/10/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Please see the attached document giving my current balance on my account. It very clearly states that my CURRENT balance is {$7000.00}.
I am writing because no one wants to answer or return my phone calls. Please see the time line below.
XX/XX/2022 I called castle credit to get a payoff letter for my refinance. I spoke with XXXX XXXX. I mentioned I had received an offer and he promptly told me that the flyer attached labeled Castle Credit was a promotional offer. And to receive debt relief that was the amount I had to pay. Once paid they would match it and my account would be paid in full. I expressed concern based on the fact that my flyer clearly states My CURRENT balance. Not promotional offer payoff. He then informed me that he recommend I beg family and friends for the funds or take out a loan because it would save me money. That the payoff would be XXXX??.??. If a third party paid the debt there would be late fees and other charges that would be waived if I paid them directly. I don't remember the exact amount but clearly remember the {$7900.00} part because i was so confused. At which point I requested a pay off letter. He told me my payoff if it was from a 3rd party would be over {$15000.00}. Again I don't recall the exact amount. I was beyond frustrated.
XXXX XXXX kept mentioning the equity in my home and how I should sign a release so Castle Credit could talk to the mortgage company directly. When i adamantly refused he was not very nice and actually rude. XXXX XXXX told me that if I didnt sign a release that my refinance would be delayed because the release would have to be signed and processed. I later that day I received a pay off letter with the amount of {$16000.00}. attached as Castle Credit Payoff letter.
1st off why does it matter who pays off the balance. If my mortgage company pays they are using my money. Why does that matter? It makes me think there is some illegal accounting going on. Maybe the taxes paid on income from people aren't reported accurately to the IRS and Castle Credit is forced to claim the whole amount, the amount when paid by a mortgage company so the amount is much larger to cover the taxes? This Money is my money I will pay interest on for 30 years. The very fact that there is discrepancy in my current balance is ridiculous.
I called back to speak with a manager. The customer service representative was very pleasant and left a message for the supervisor letting them know that XXXX XXXX was less than customer service oriented.
I never received a return call.
I called and requested XXXX XXXX 's supervisor and once again was transferred to XXXX XXXX. I told him I received a non promotional letter ( attached labeled Castle Credit Non Promotional ) and that it stated that my CURRENT BALANCE WAS {$7000.00}. He tried to tell me that the fine print at the bottom stating " discounted percentage of the ending balance '' was the wording giving me a promotional offer. I told him this is not a promotional offer and I need to speak to his manager. He said he would transfer me and promptly left me on hold for 10 minutes. I had to get to work and hung up.
I called back requesting to speak with XXXX XXXX XXXX supervisor and was once again transferred to XXXX XXXX. XXXX XXXX said are you calling today to take advantage of our promotional offer and pay off your account in full for the amount of {$3500.00} ( approx ) I don't recall the exact amount he quoted but the {$3500.00} I am sure of.
I requested to speak to XXXX XXXX XXXX supervisor XXXX. Explained XXXX XXXX was less than professional and explained the situation. As debtor he is not allowed to lie to me. Sending a letter as well as a promotional offer stating my CURRENT Balance is {$7000.00} and then when asked to provide a payoff letter the amount is over {$16000.00} is lying. He tried to tell me the same thing that XXXX XXXX did regarding the promotional offer. However, I promptly told him that XXXX XXXX had just offered to accept payment of roughly {$3500.00} as payment in full for my account.
I called back and was successfully transfered by XXXX XXXX to his supervisor. I explained XXXX XXXX was less than professional and explained the situation. As debtor he is not allowed to lie to me. Sending a letter as well as a promotional offer stating my CURRENT Balance is {$7000.00} and then when asked to provide a payoff letter the amount is over {$16000.00} is lying. I filed a complaint with the Arizona Attorney General. regarding their deceiving practices. He said he was not authorized to send out the payoff letter i requested and his manager was out until Tuesday and she would call me back.
Tuesday, XX/XX/2022 I did not receive a call back.
I called and was supposed to be transferred to XXXX XXXXXXXX XXXX supervisor and was transferred to XXXX XXXX. He asked how he could help me. I said XXXX XXXX this is XXXX XXXX you know what I need. He said no today is a new day and I don't know what you need. He began again about the promotional offer I asked to just be transferred to his supervisor and was sent to XXXXXXXX XXXX Voicemail.
I called back requesting a supervisor and not XXXX XXXX and the customer service representative was going to transfer me to XXXX XXXX. She had some issues with the transfer and i was sent to XXXXXXXX XXXX voice mail again. I left a message.
I called back requesting to speak with XXXX XXXX I was told that she was not available and I was going to be transferred to XXXX XXXX. She picked up asked for a minute to review my notes. Kept checking back in and then i was transferred at least 3 times ( hold music was heard ) that I could tell with no communication and ended up at XXXX XXXX voice mail again. I left a message. requested additional assistance was transferred around and ended up leaving anther voicemail for XXXX. I is now XXXX the following day and I have yet to receive any communication regarding my situation.
I need a payoff letter reflecting my Current account balance of {$7000.00}. This is reflected as current balance in at least 3 documents received unsolicited from Castle Credit. The {$7000.00} is more than your company would receive if I took advantage of your promotional offer agreeing to match my payment dollar for dollar. I spoke with the refinance company and taking a loan out to take advantage of matching funds dollar for dollar would interfere with my refinance. Pulling a credit report would damage my credit and the refi would not go through. So I see the pay off letter as a Castle Credit receiving double of what they could receive to pay this account. The difficulty I have had with this company if extreme and the deception is obvious. I need the appropriate letter to be received from Castle Credit ASAP.
My funds will come directly from my mortgage company to pay MY CURRENT BALANCE {$7000.00} and I will be happy to pay the {$12.00} wiring fee as well.
Phone XXXX XXXX XXXX XXXX
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| 10/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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I purchased a water softener filter in 2015 for {$8700.00} from a door salesman from CASTLE CREDIT. They guaranteed that this filter was self cleaning and the only time this filter would leak would be when it cleaned itself. I began to notice that my septic tank was filling every month, to the point where I had to drain the cesspool every 2-3 months which cost me {$500.00} everytime. I called the company who did send their in-house plumbers various times ( which I also paid out of pocket {$150.00} for every visit ), these plumbers assured me nothing to worry about. Well, finally, the cesspool collapsed. I then sought out several licensed plumbers unrelated to the company and they all immediately came to the same conclusion... The filter was so badly designed and it was designed to leak water everyday, a minimum of 50 gallons per day to be exact..that was only the kitchen sink, not accounting for the water leakage the rest of the sinks contributed! So for years, this system was leaking a minimum of 50 gallons of water per day into my cesspool until it finally collapsed. I had to pay plumbers to immediately disconnect the filters ( something the company could have done long ago had they just been honest about the faulty system )! So this company sold me a product that they said did not leak at all, except when self cleaning, but really it was leaking from the central pipes every day, overflowing my cesspool and finally it collapsed. Overall, over the years I spent over {$12000.00} in draining the cesspools and in plumber visits and when the cesspool collapsed I received quotes starting at {$10000.00} to repair. I even had to hire a plumber to completely remove the water filtration system. I have since tried to call this company almost daily for a resolution and even to come pick up the faulty equipment and no response. It was only when I stopped paying the loan on this, that they responded. Their response was completely cold, even as far as insulting me, all they want is payment. On top of this they placed a lien on my home for the {$2600.00} balance. I had to make a decision whether to pay for my cesspool repair ( which I am still trying to ) or to keep paying for this faulty equipment. If you see my credit, I have never had any late payments. I am an honorable family man that makes an honest living, I am not rich by any means. This company will not give me any options and the pitiful settlement they did offer ( to remove {$400.00} from the balance ) they said they can not put anything in writing, only after I make one lump sum payment will they send the town a letter to lift a lien on my home. The reason I did not do this or take the offer is because online there are many people that say they are scammers... you will make a payment and there will be no resolution, even as far as people who have paid off the loan in full claiming that this company has placed liens on their properties! I just can not afford to make a payment and lose the little savings that remains without anything in writing. The money I need to fix my cesspool is in my home, but I can not refinance due to this issue. I am asking you to please help me in whatever way you can. I have attached picture evidence of all I have written. This company sold me a product that was not what I was sold, what should have cost me {$8700.00} has now cost me {$21000.00} to date, they have wiped me out of my savings and now I need your help. Please, I am pleading with you.
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| 05/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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XX/XX/XXXX {$23000.00} Company : Castle Credit I called the company to settle a loan for a water treatment that was installed on my home in XX/XX/XXXX.
Castle credit was the creditor financing the water system. I signed The agreement not knowing what I was getting into with castle credit and their harassment tactics to collect a debt.
In XX/XX/XXXX I lost my job and got behind on the payments, and they started calling my dad, sister which they never had permission to call them, breaking the privacy law first of all.
I attempted to make payments to get caught up, and they still kept calling my family and me. I finally submitted a letter through Castle Credit contact us portal on the website to stop the calling and only contact me through email. They 100 % ignored the request. The contact portal is a joke, and they do not respond not even with an autoresponder saying they received my e-mail. I was getting upset I was trying to communicate Castle Credit but no luck.
I finally called them to get this thing resolved for a payoff or lower interest rate and stop the calling of my family after Castle Credit ignored my written request, which is a {$5000.00} fine by law.
At this point in the phone call, they offered me a {$230000.00} payoff within a 15 day period. At the time, I had no means to pay them if I could not afford the regular payments, what made them think I could do {$2300.00}?
So at this time, I called a bank to do a debt considalted loan to pay off all of my debt. I was approved, and when I called castle credit back to let them know I would be settling the debt for {$23000.00}, they told me the offer was off the table. In the meantime, when I found out there would be money, I contacted them through email and never heard anything back. Again their lack of communication makes it challenging to make anything happen. I was in conversation with Castle Credit within 30 days, but they don't respond.
So I called Castle Credit and told them that my lender would be sending the check for the agreed payoff. They told me the offer was no longer available because it was over 30 days. I then stated I was trying to get a hold of Castle Credit through email within that period. The debt collector XXXX XXXX was saying no to the offer and explaining to me that those emails have no importance. I was confused and upset. I hung up and called customer service at Castle Credit for someone higher up. XXXX called me back and told me not ever to call customer service again. That is a threat, and I explained to XXXX that the money would be there this month on the XX/XX/XXXX and he offered me {$500.00} off the total bill.
At this point, I left the conversation unresolved. In my eyes, this company has broken so many laws I want this-this thing dismissed and gone.
They have made {$4000.00} in interest plus a {$25.00} annual fee that I don't even see in my paperwork.
Castle Credit put a ucc-1 lein on my house without giving me proper notice in the mail that would be doing so. Again another law broken.
I still have my other loan coming through on the XX/XX/XXXX to pay my debts. Castle Credit offered me an offer that I could do, and when I tried to get a hold of them, they don't reply. I'm not at fault here fars working this out.
I'm in a hurry to get this resolved as my loan is going through next week, and I want that lien removed right away.
This was total harassment from Castle Credit.
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| 04/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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I acquired a service for my home in XXXX ( XX/XX/XXXX ). The work order form noted what service we received and that it would be {$7900.00}. I was informed that the loan would be facilitated through the Castle Credit Finance company who would send a letter that would go into more detail of what the loan entailed, the payment process, account number, etc. In XXXX, I called the company, inquiring on my account since I never received a packet, any letter, or email regarding my loan. And given that the work order noted my first payment was in XXXX months, I wanted to check.
Discussing with a representative named XXXX, from XXXXastle Credit, I learned what my account number was and that they had written my XXXX # incorrectly. I was assured that I would receive the packet. I never did, nor an email. In addition, and most importantly, XXXX assured me that the payment was not due until XX/XX/XXXX. I was dubious and asked for clarification, particularly if it meant " no interest being accrued. '' She confirmed that XX/XX/XXXX was due date and no interest would be charged.
I received a letter on XX/XX/XXXX notifying of my new balance ( {$8100.00} ) and was bewildered but also annoyed. Why is it going up if I was informed, by a member of the company, that no interest would be accrued until after the due date passes? I wasn't pass due and I have had no fees. Since I never got a welcome letter, I was not informed in writing how the interest was determined. Their online account bears none of that information. No documents or terms and conditions.
Castle Credit prefers complaints to be written in writing. After no response for 2 days and noticing that my balance is going up, I called the company ( XX/XX/XXXX around XXXX ). I spoke with XXXX and expressed my frustrations. I felt patronized as he informed me of " how loans work '', even though I had emphasized that a member of their company misinformed me and that the company failed to be transparent about their process. He said he can't do anything, I have to just pay the monthly. Further demonstrating to me that he isn't listening to me-I can pay the entire balance but waited with the impression that it was not due until XX/XX/XXXX. This company needs to be held accountable-particularly with being sure that there workers are not misinforming clients with information that can have financial repercussions ( but of course it benefits the company ) and also with clearly providing documentation to clients ( whether it is online or through the mail ). As I mentioned, I only ever received a work order and XXXX summary of my account which I read and noted how interest is accrued. But this letter came in XXXX and I had an account with the company since XXXX.
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| 01/18/2023 |
No |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a letter from XXXX XXXX XXXX and Castle Credit, letter dated XX/XX/XXXX, stating this is a " Second Notice of Fraud Claim ''. I have never received any letter from XXXX XXXX XXXX nor Castle Credit regarding this fraud claim before today. This is the only letter I have ever received. I have even emailed them, as they requested by phone, and I have not received any response by email either. Neither Castle Credit nor XXXX XXXX XXXX has mailed me before this letter which claims they need proof of my current residence and a complete police report. I have contacted the police and they guided me to report the Identity Theft to the Federal Trade Commission, which I did originally on XX/XX/XXXX but had to file another Identity Theft report on XX/XX/XXXX due to other fraudulent accounts listed on my credit reports. I have also mailed Castle Credit and XXXX XXXX XXXX several letters which included my FTC Identity Theft Report, Drivers license and notarized identity affidavit, all by Certified Mail and have proof of delivery of the mail I sent. I will not continue mailing or sending my personal information to Castle Credit and XXXX XXXX XXXX and this will be my last contact with them. I am attaching copy of the only letter I ever received from Castle Credit and XXXX XXXX XXXX and also a copy of the original invoice/receipt, which i obtained from XXXX XXXX XXXX XXXX XXXX based out of XXXX XXXX and whom told me by phone that they do not have my name in their records and that a XXXX XXXX was the one that was billed for the total amount of {$15000.00}. I was not given any other information and I was emailed this invoice/receipt today on XX/XX/XXXX. Castle Credit and/or XXXX XXXX XXXX have put a lien on my property but never had any business with XXXX XXXX XXXX XXXXXXXX, Castle Credit XXXX XXXX XXXX Finance or a XXXX XXXX XXXX I want this Lien removed ASAP, as I will sue for my time used in this investigation I had to do myself and which I have requested Castle Credit XXXX XXXX XXXX XXXX to do but still have not done so. Also, the letter I received from XXXX XXXX XXXX has a contract with an XXXX XXXX, who I also have never had any business with and the copy of that contract has my name but not my phone number nor email address and I definitely have never signed. I will also email XXXX XXXX XXXX XXXX Castle Credit a copy of this XXXX XXXX XXXX XXXX original invoice and let this serve as proof that I never had any service done with XXXX nor Castle Credit nor XXXX XXXX XXXX.
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| 04/09/2019 |
Yes |
- Debt collection
- Other debt
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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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In XX/XX/XXXX of XX/XX/XXXX i purchased a rainbow vaccum cleaner and was financed through XXXX XXXX. I was approved for a 3 month deferment on payments and signed the contract in my home on XX/XX/XXXX a payment to XXXX credit was withdrawn from my account. When i contacted the company and informed them of this they stated that they had received a verbal authorization for the terms of the contract from my husband approving the first payment. When i requested proof of this phone recording i was denied. I was also denied when i requested a refund of the funds they took from my account. I requested that the vaccum be picked up from my home. If the terms of the contract i agreed to would not be followed i did not wish to keep the item. I was told okay by one of their representatives and the call was ended. A month later i began receiving harassing phone calls from someone identifying themselves only as a representative of the department of collections. Only after repeated pressuring was i able to find out they were calling from castle credit. I was threatened with lawsuits and wage garnishments if i did not pay on the vacuum i informed the representative that i had spoken to someone else previously and requested the vacuum be picked up and returned i was informed that could not be done and i would have to pay or risk legal consequences and a negative mark on my credit report. I offered to return the vacuum at my own cost. I was again denied. I had to pay for a stop payment on my bank account as they told me they would continue to attempt to withdraw payments. I received multiple letters in the mail threatening me with legal action if i failed to pay. I would come home to messages on my answering machine even though i repeatedly requested they not contact me. Today after they have written the debt off on my credit report I received a call from them and they requested i verify my information with the last four of my social and my address i refused to give out this information and terminated the call. A minute later they called back again. Then they contacted my husbands employer and informed his employer they were calling in reference to the debt. I know they are allowed to contact people requesting information to reach us but they are not allowed to tell them its regarding a debt.
I have had multiple friends inform me they were contacted and had messages left on their phone that castle credit was attempting to reach me regarding a debt.
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| 04/30/2021 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
Servicemember |
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The supposed Company is Castle Credit that I did have a loan with almost 9/10 years ago. I have been getting repeated phone calls from different numbers that when I searched these numbers, do not even link to Castle Credit. When I have called these numbers, there isn't even a proper vmail. I feel that this is someone that has gained my identity information trying to get me to pay something that has been charged off years ago.
They use obscene language with me, threatening tactics & I have repeatedly told them to stop calling me because of this said debt being again, years ago.
I received a generic type letter in the mail that looks like it was drawn up from someone at their home with weird numbers like XXXX which again, doesnt even belong to Castle Credit & when I DID call Castle Credit directly, they also said that they arent the ones calling me that this debt they have classified it as charged off.
My Account number XXXX for {$780.00} This account was opened by my now, exwife back in XXXX or XXXX, which since I was in the Military and on assignment, I wasnt even there to sign my own name for this loan for a vacuum cleaner but of course I know that I was married at the time so it becomes my debt but she had put it in my name not hers which she should of done and the company shouldnt of accepted the info from her if i wasnt there to begin with.
They also included a number in the letter that I received that is a different form of type than the rest of the letter XXXX which Castle Credit does have a XXXX main number but again when I contacted then, they know no such number.
There are other numbers with the area code XXXX but there are just too many to list. Castle Credit also stated that they have not sold my account to any collection agency. The letter that I received is marked from Castle Credit not a collection agency.
I want these calls to STOP! Especially not knowing who is contacting me & they dont even want me to pay Castle Credit, they are asking me to give them my card numbers which I KNOW is not right!
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| 11/16/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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On or about XXXX XXXX, XXXX we learned that Castle Credit had placed a lien on our property in XXXX. On or about XXXX XXXX we began contacting Castle Credit by telephone. During the initial call on XXXX XXXX and in several calls since then, we have explained to various representatives at Castle that we are in the process of selling our home and would like to get this matter resolved quickly so that we may close on our home by XXXX XXXX. In the very first conversation with Castle, we were told that Castle no longer owned the debt associated with the lien and because they no longer owned the debt they could not provide us with any information regarding the debt, including the balance. In each subsequent conversation with Castle, we have asked Castle to either release the lien as, per their own admission, they no longer own the debt associated with the lien or provide us with the amount of the debt we allegedly owe ( see call log attached ). While we have been repeatedly told by Castle that they no longer own the debt, Castle has continuously refused to release the lien with most recent conversation ending when the Castle supervisor abruptly hung up on us. At the same time, Castle has also refused to provide us with any information of the alleged debt, most particularly the debt amount.
We simply can not be held hostage by Castle. This action or blatant inaction by Castle has the potential to prevent us from completing the sale of our house and cause us great emotional and financial distress. We have had no choice but to explore our various options of recourse. We have contacted counsel and have been advised we can file a Quiet Title claim and seek recovery of our attorney 's fees. We were also advised to file this complaint Consumer Finance Protection Bureau as well as the North Carolina Department of Justice Consumer Protection Division and the Better Business Bureau.
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| 08/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
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Web |
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I filed Ch XXXX bankruptcy and was discharged with no distributions in XXXX XXXX. XXXX XXXX had a XXXX lien for a water softener and was included in the bankruptcy. Castle Credit was listed and notified but the continued with their automatic payments. We did not want the water softener and attempted to surrender it. In late XXXX XXXX from Castle Credit told me that I could not surrender it. They stated they were a loan company with a lien against my house and they had to be paid or I would lose my home. They refused to just take back their collateral. I was very ignorant since I filed my bankruptcy pro per and I did n't know there was a lien so I did n't do anything or investigate it. I believed they were right. They represented that like the house payment if I wanted to keep my house I had to pay off their bill. I have since learned it is not true and I do not want the water softener but they refuse to pick up the collateral and remove the lien against my house even though they were discharged in my bankruptcy. They were calling me 3 or 4 times a day at work and harassing me. I do not want the water softener. They should come pick up the collateral of the debt I discharged in Bankruptcy. They claim that I am trying to sell my house so they are refusing to cooperate and are purposely interfering with my escrow where I am trying to refinance but this lien is causing me problems. They are trying to get paid by not complying with the law.
I sent them a letter telling them to stop calling me as I had to work but even today they keep blowing up my phone threatening me. They keep telling me they wo n't do anything because I am selling my house. I am not.
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| 02/21/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX has been difficult to work with from the beginning. My girlfriend was the primary person on the application and she tried returning the product less than 5 days of having it. She called the salesmen and the company in XXXX and they told her too bad she had to keep the product even though the loan was " secured ''. My girl friend left her job because they were calling multiple times per day and her manager was mad that she was receiving personal calls at work. They threatened to garnish her wages and told her that they would make her pay either way. They have not updated any information on my XXXX report since XX/XX/XXXX. I pulled a report from XXXX on XX/XX/XXXX it showed a balance of XXXX in XX/XX/XXXX. However, on the XXXX report pulled XX/XX/XXXX they show a balance of XXXX. XX/XX/XXXX I had a XXXX report pulled and it shows the reporting XXXX dollars from XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX had court case was finalized against my girl friend for this account in the amount of XXXX but on my report XXXX dollars. We have received no more letters or correspondence since then. My XXXX XXXX report is showing this account currently listed as Castle credit and has not been unpdated since XX/XX/XXXX. My XXXX XXXX report is listed as XXXX XXXX. I have disputed this information because this account because no similar accounts even show up on my XXXX account. My girl friend is showing the Castle Credit on her XXXX and XXXX XXXX on XXXX but not on XXXX.. Per my bank it is illegal for both accounts to 1. choose which report they are going to report to and 2 have 2 companies reporting for the same account with different amounts.
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| 12/20/2022 |
No |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have notified Castle Credit Co Holdings , LLC that I was a victim of identity theft and have notified mailed them by mail numerous times. I have never received any responses from Castle Credit Co Holdings , LLC and I know they received my documents as I mailed them through XXXX XXXX XXXX Certified Mail with Return Receipt request and was signed for. I reported the Identity Theft, as requested by law enforcement, through the Federal Trade Commission, Identity Theft Report Number : XXXX, on XX/XX/XXXX and mailed them a copy of it. I have still not received any documentations that I requested about this fraudulent account which was reported to the major credit bureaus and was how I found out about the fraud accounts. I recently contacted an attorney to ask questions on why Castle Credit Co Holdings , LLC would not respond to me, and he said there probably most likely is a lien on your home and he was right. Today, XX/XX/XXXX, I did search the XXXX XXXX XXXXXXXX XXXX XXXX website as I own an investment property in Tennessee but reside in Illinois. The XXXXXXXX XXXX XXXX dated XX/XX/XXXX, states that this is a {$15000.00} XXXX XXXX XXXX XXXX I did not authorize nor have anyone install anything at that home nor is anyone allowed to alter anything at the property I own. This is a fraudulent XXXXXXXX XXXX and Castle Credit Co Holdings , LLC was notified by mail before the filing of this XXXX XXXX Statement and/or Lien on XXXX investment property.
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| 02/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I would like assistance with my credit report. I have two accounts that have been written off as " bad debt '' showing on XXXX that are hindering me from being approved to buy a house. One account is with Castle Credit Holdings for {$1500.00}, it says it was closed XX/XX/2018. The other is with XXXX XXXX XXXX for {$1100.00} and says it was closed XX/XX/2018. Under the Fair Credit Reporting Act it states that if you lost your job or were put on unemployment they have to close the account and remove the debt. I see they are closed on XXXX, but why are they still showing? Shouldn't they be 100 % removed as i lost my income? The same two accounts also show on XXXX, except the account for Castle Credit Holdings still shows as an open account on XXXX. I am also seeking legal advice this week from a local attorney to dispute these items. Castle Credit Holdings directly harassed me calling me literally two days a week to remove the debt. I told them i lost my job, but was receiving unemployment. I told them all i could afford was $ XXXX monthly, but they refused the $ XXXX monthly and told me it was not even what my monthly payment was so they would not take it. Can they do that?? I was always told they can not refuse any monthly payment if you are trying to clear a debt. How is that fair for them to keep ruining my credit yet over a year ago i tried to pay them all i could monthly to start clearing the debt and was refused!
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| 05/26/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Collector is : Castle Credit Company Holding XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX : I am writing concerning an account I co-signed on with my stepfather and how you are reporting this account. This was done back in XXXX. My stepfather per my credit report did not pay on this account since XX/XX/XXXX. This home was sold and a new owner in XX/XX/XXXX so I am not sure how this account was not settled and why it is still reporting open and active under my credit with 120 days late payments for the last 5 years.
I have been harassed for the last five years by this company, they call my cell phone, place of work and have been told on numerous occasions that my place of employment is not a place I may be contacted at, as I am not an office employee and have no access to speak on the phone with anyone.
I have tried to talk to them to fix the way they report this but instead continue to report inaccurately. The only way they are willing to close this account and report correctly per my phone conversations with them, are if I pay the full amount owed by my step father. They continue to threaten to report inaccurately until I pay a balance that was settled when the home was sold, they have also refused to give me further account information unless I provide a payment.
I need help settling this and would like for this to report accurately on all three credit bureaus. What is being done to me is illegal and unethical.
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| 09/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Older American, Servicemember |
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On XX/XX/XXXX a male XXXX salesman selling water filter system items. He then conducted his presentation of the company 's items for the amount of {$5000.00}. I told him that I did n't have those amount of funds, he then asked me if I was renting or buying this property. I told him buying, why? he stated that no problem his company have a finance company that will accept me all I have to do is sign the loan application, I accepted in signing for the a loan amount of the cost for a water filter tank & accessories numerous years past and the fee agreement never decreased, so I called Castle Credit Corp, and requested a explanation of as to why my loan has not decreased. the female agent refused to respond to my allegations, only stated " IF DO N'T PAY UP, YOU ARE GOING TO LOSE YOUR PROPERTY BECAUSE WE OWN IT '' I stated you 're joking, she No, do n't pay up, then wait and say goodbye to your property. I was so mad that I hung up. On this year XXXX, I choose to refinance my home, and everything was going fine, until they discovered that Castle Credit had placed a LIEN on my property under " HOME IMPROVEMENT '' section. I was not aware of that agreement, I thought a bought a water filter tank. I would NEVER use my {$190000.00} property to cover this transaction, I was scam that salesman, castle credit sales agent never mentioned it.
|
| 05/24/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
XXXX through XX/XX/2022 is reporting as missed payments. I had autopayment setup and never had an issue in years with the payment systems malfunctioning. However I suffered identity theft and some cards were canceled while I was in the XXXX XXXX XXXX XXXX and other health issues that have caused the Veterans Administration to declare me XXXX XXXX XXXX. I was in the hospital and NOT in the home during the time that they systems payment system failed to charge my account. I have never missed a payment and never intended to avoid paying this debt. I have never had trouble paying it. By the time this complaint has been responded to by Castle Credit, the account will be fully paid off with a one time payment of over XXXX.
I am asking Castle Credit to please remove those late payments as I am not responsible for a breakdown in payment processing technology.
I am a XXXX veteran. Please help me and have compassion. The stress of dealing with this is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I should not have to keep begging you all to do this for months. Please give me some relief. I beg you to escalate this to a manager who would be able to honor this request. You have you money. Please don't punish me for technical issues.
|
| 04/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
I make regular scheduled payments on my consumer loan through my bank to Castle Credit.
In XXXX they claimed they had not received my payment. Although I had proof from my bank that the payment was made on time they charged me a late fee. I told them I would put a stop on that check and issue a new payment. Then miraculously they somehow " found the check " they claimed not to have received and then charged me a fee when they deposited the check that I had already told them I put a stop on. The same issue occurred on XX/XX/XXXX. I spoke to my bank to put a stop on that check and asked how could this happen. The representative from my bank told me because Castle Credit opted to receive physical checks in the mail rather than e-checks. I believe their claim of not receiving checks is a scam and they " lose '' checks in order to charge a late fee. and then double charge fees when they " find '' the missing check a day after they charge a late fee.
I also attempted to get an explanation of 3 fees they charged on my account on XX/XX/2021 Reverse P+I Interest of {$30.00}, {$70.00}, and {$74.00}.
I believe they are running a scam to try to get extra fees and would appreciate your looking into their business practices.
Thank - you
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| 01/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I originally began this complaint with the Attorney General Of New Mexico and the XXXX XXXX XXXX on XX/XX/2016 because of the harassing and threatening phone calls that I received from Castle Credit. I paid my bill faithfully until earlier that year when I went into a hardship. When I could pay my bill the phone calls started. I told them to stop calling me and to only contact me via email but they refused and I kept getting threats from them about taking my house because there was a lien on it. I later found out they put a lien on my house fraudulently when they opened the contract which I was told was against the law because my payments were current. I met with an assistant attorney general and I was included in a consumer complaint. I was copied on an email that informed Castle Credit to contact them only and not me. Beginning last year I began getting phone calls from Castle Credit again, on my phone and my work number. I told them again not to call me but the phone calls continue. I have been trying to find information about the case from the Attorney General but have not had any luck but was told to file this complaint.
|
| 07/21/2018 |
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
|
|
Web |
|
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On XX/XX/2018 I finalized a financing plan with Castle Credit Co Holdings, when I purchased a XXXX Vacuum Cleaner. Since then I have attempted to fix issues with the company but have been completely unsuccessful. Not only was an auto-pay never established as promised, due to that they are reporting my account being ( 30 ) days late on one occasion. I had already called them and spoke with a person in charge about this related to my auto-pay and was assured it was taken care of and would not affect my credit report. Now, they have a late payment on my credit files, which has lowered my FICO score by more than 100 points. In addition to having this issue with the company, they also illegally retrieved my husband, XXXX XXXX 's credit file. I never consented for them to pull his credit files, and he has placed a separate fraud action for that matter. He was not even present, and I was the only one doing business with their company. I have this account solely in my name, and have a signed contract with my name and signature on it. My speculation is they preferred for him to be listed on the account with me, but that is not legal.
|
| 07/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
On XX/XX/XXXX I spoke to an agent at Castle Credit and told them I had a late payment because my system wasnt working and as soon as it was serviced I would make a payment. They called me again on XX/XX/XXXX but I missed it due to work obligations. They called again on XX/XX/XXXX demanding payment. I spoke to XXXX XXXX. I told her I had already talked to someone and that I would be making a payment when my system was serviced. She asked for my credentials so she could have a conversation with me so I said I dont have anything else to add. I will be making a payment when my system is serviced. Before I was able to complete my statement Ms. XXXX, speaking over me, said thank-you-have-a-good-day as quickly as she could and hung up on me. I called back and when Ms. XXXX answered I asked if I could speak to a supervisor and she transferred me to an answering machine. This is horrible customer service. Ms. XXXX should not have hung on me while I was talking and I should have been allowed to talk to a supervisor to make arrangements for my next payment. I will be taking my loan somewhere else!
|
| 09/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
collector : castle credit corp holding, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL, XXXX,,,, phone # XXXX i sent this company letters that were certified by US Postal return received. The last was received by the company on XXXX XXXX. I told this company that this is not my account and why they are insisting that it is but they want provide me with legal documents verifying that it is mine. Today is XX/XX/XXXX and i have yet to get a reply from this company. The account was open, according to the my credit report XX/XX/XXXX. I notice that the payment history doesn't show a payment received on that date.I also notice that XXXX is not noting that the account is being disputed by the customer.Also notice the last payment reporting different with all three credit bureaus.XXXX report : XX/XX/XXXX, XXXX report:XXXX, XXXX report : XX/XX/XXXX ( all three Inaccurate ) ( Note ) XXXX has a payment being received XXXX, but the payment history show it being 60days late on that day.XXXX, XXXX and XXXX report monthly payment as XXXX. theirs more Inaccuracies than i have letter space for.
|
| 06/05/2021 |
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
|
|
Web |
Servicemember |
|
I had a water filtration system installed in my home in XXXX. The company financed it through Castle Credit, LLC. and did not furnish me with the terms and conditions of such financing to include filming a lien against my property. When I sold the property, I was made aware of the lien. I believed the lien to be satisfied at the time of the purchase when my property sold in XXXX of XXXX, only to receive a letter later in XXXX stating that the account was going to collections unless I took immediate action. I called and set up a payment plan to get current, paying {$570.00} in XXXX and XXXX of XXXX, then a payment of {$230.00} in XXXX to be caught up and resume my normal monthly payments of {$130.00} thereafter. The company reported to all three credit bureaus that the account was now in collections and remained in collections until I paid it in full XX/XX/XXXX. I contacted the company, XXXXastle Credit, to get this matter fixed to no avail. I disputed it with the credit bureaus and their investigations sided with the company.
|
| 03/19/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
Castle Credit corporation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX I purchased a water filtration system from eco-water in XXXX of XXXX it was financed by their preferred company, castle credit.
Complaints are, the company attached a lien to my home with no judgement. I talked to them and asked them to remove the lien and they refuse to. It is financed an amount of {$4700.00} and after paying for over two years, my pay off is {$4500.00}, so at $ XXXX/month for more than 24 months, only {$200.00} has been applied to principle!!! This is a rip off and a loan shark. I have always made payments every month, never missed a payment and they attach a lien to my home along with this insane finance charge and interest rate. This company needs to be investigated and fined for unscrupulous business practices. For all the money I have paid and almost NONE of it is applied to my balance, along with being slapped with a lien on top of that?
This business is not reputable.
|
| 07/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/XXXX I paid a collection account settlement with Castle credit ( formally Prime accept ). On that day I requested verification MULTIPLE TIMES for proof it would be paid off. I was denied that request.
I was told on that date that the balance I paid would settle and close the account and it would be reported as such with my credit bureaus. It was reported as current on my experian report which isn't. After attempting to call and request the change as well as a letter stating that it was settled SEVERAL TIMES, as well as proof that they are prime accept ( I need that proof for an underwriter on for a home mortgage, I learned today, XX/XX/XXXX, that it was not even requested as it should.
The issue with the underwriter is I have proof I paid castle credit, but they see prime as a seperate account even though the acct. numbers are the same, on both.
I have also on reccomendation from the CFPB to dispute with experian as well. I would like this resolved quickly
|
| 10/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
A company that Castle Credit say they finance. Fraudulent conned me. To get a waterfilter system I didn't need or even want from XXXX XXXX XXXX which is out of business now because they were doing shady business!!! I told them I couldn't afford the XXXX XXXX XXXX & the company told me to just try it & if I ever got behind on the payment. The company would help me out, which they never did. Also, they was suppose to send a female to finish the paper work, still I told them I don't want it. They said the lady had got into a crash & they would send someone else in a couple of days. A crazy guy showed up, & said he owned the company & that I had to sign it because it was pass the trial period which I knew nothing about, plus I informed him. I still didn't want the unit & he wouldn't leave. I suffer from XXXX XXXX. So I just signed it, so he would leave. The company was notified but they still wouldn't come take back the water filter unit. I never wanted & still don't.
|
| 03/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX This should be deleted is because its not accurate. The DLA is an acronym for Date of Last Activity which translates to the last date you made a payment. ( you never did ) Under the Fair Credit Reporting Act everything on your credit report has to be accurate.
Businesses are not permitted to publish full credit card numbers on receipts. The law also allows you to protect your Social Security number by having it truncated on your credit report.
I have the right to be notified if any financial institution submits, or plans to submit, negative information to a credit reporting agency. This information may be included in a billing statement or a notice of default. I was never notified of this collection. Unknow debt.
I have the right to sue and seek damages in a state or federal court from anyone, such as a consumer reporting agency or a user of consumer reports, who violates the Fair Credit Reporting Act.
|
| 04/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
On XXXX XXXX I made contact with XXXX XXXX XXXX XXXX XXXX and spoke with Rep over a pre-recorded phone conversation and I respectfully why my Tradeline of Castle credit account # XXXX is not been reported with XXXX and XXXX as of XX/XX/XXXX till Present.
Rep stated that Manager has to look into it and I need to provide a credit report.
All Castle Credit has to do is communicate with XXXX and XXXX and add my Tradeline with them.
Castle Credit Trade Line is only showing on XXXX Credit Report..
I have been making timely payments of {$40.00} a month from XX/XX/XXXX till Present.
There is a Derogatory Remarks of 30-40-60-90 days that needs to be remove as this credit trade line was reaffirmed in Federal Court on XX/XX/XXXX Bankruptcy chapter XXXX and Bankruptcy was discharged on XX/XX/XXXX with XXXX, Texas Federal Judge.
I am respectfully XXXX and XXXX Lifetime and a XXXX XXXX XXXX Military Veteran.
|
| 11/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
in XX/XX/2021 i had a water softening system installed. i asked for the documents and contract which i never recieved. i contacted them a few times and i always got a someone will reach out to you but never did. i was suppose to get a year supply of soaps but never did and without a contract i cant dispute it with them, even though no one calls me back except to say that if i dont pay im going to lose my house. now verbally that was not an issue they never told me it was a loan on my house. never told that or i wouldnt have got it. i never had the chance to cancel the system cause its hard to get a hold of someone or somene calling me to address this. now its on credit report under home loans. was not told or do i have a contract that shows this.they system doesnt work well its not quiet and they put a whole in my garage and they nevr came to fix like they said they woukd
|
| 09/18/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
I purchased a water softener for my home through Castle Credit Corporation and water softener was installed.
I was charge {$4200.00} for the water softener in which it was a basic water softener.
I was n't aware of the charges and l am on XXXX XXXX XXXX and Retired.
I am on Prescribed Medications and a Military Veteran.
The water softener was installed at my home at XXXX XXXX XXXX XXXX XXXX, Texas.XXXX.
I am paying {$78.00} a month with high interest and finance charges of $ XXXXXXXXWater softener was installed around XXXX or XXXX 2015.l purchase my home on a VA loan and closed escrow on XXXX,2015.
My account number # XXXX is not listed on my credit report with XXXX XXXX XXXX.
Castle Credit Corporation contact number XXXX and fax XXXXXXXXPlease implement this complain in another category of credit.not Mortgage
|
| 01/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Servicemember |
|
My ex an I bought a water system in XXXX from a company that went door to door in our neighborhood when we had our house built, which we didnt realize until later that there was no solicitation allowed. The company never even explained to us that it was at such a high interest rate. Just a couple years later in XXXX the XXXX XXXX water system broke down on us to only find out the company was no longer in service and we tried everything to track them down. We eventually went to castle credit to explain but they had no intention of helping us. After we realized how much we had already paid to castle credit and how much was owed due to interest we stopped paying them since they didnt care that the product they loaned broke down on us. The company castle credit is based in XXXX IL and have been harassing us ever since.
|
| 04/25/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I have loans with Castle Credit and XXXX XXXX XXXX XXXX in XXXX. I tell them I can't pay on time. Collector gets on the phone with me and says I shouldn't have to because both companies have been making loans in states with out beeing licensed to do so so I shouldn't have to pay.
I said I want to talk to a manager and they put XXXX XXXX on the phone. He talks to me and starts calling me the XXXX word and threatens me saying he's going to have me arrested and put my hole family in jail.
If they give me loans and have been doing this in states for years per their collector in states where they don't have licenses to do business I was willing to pay but then when he starts calling me the XXXX word and threatening to put me and my family in jail because we're minorities that's not right.
|
| 08/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am in the the process of purchasing a home and a retail installment contract is being incorrectly listed as a secured home improvement loan for {$7800.00} and is also showing as a collection account when it's a charge off account. I called on XX/XX/2018 and I was told the account was sold to a collection company, I called the collection company that bought it and they said they didn't have it anymore. On XX/XX/2018 I called the original creditor Castle Credit company and asked if they could send me a letter showing that it's not a home improvement loan but a retail installment. Castle Credit company then said they would send me something when they had time its like if i'm was going to pay. Because of these discrepancies on my credit report I can not proceed with my home loan.
|
| 11/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XXXX I acquired a water treatment system, had a month payment of $ XXXX a month. But didn't make payments for couple months in XXXX or XXXX. Then in XXXX started to make payments again, but was late with payments, so in XXXX of XXXX I was offered with installed payments by XXXX XXXX a representative of Castle Credit for {$300.00} every XXXX of each month 'till XX/XX/XXXX then he said the account is gon na be closed automatically, which it didn't days later in XX/XX/XXXX I recieved a call from them trying to collect $ XXXX remaining in the account he said. All this time they reported a nonpayment for this account. So I contacted XXXX XXXX XXXX to file a claim, they resolved the issue but leave me a delinquent credit for this matter.
|
| 03/23/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I purchased a vacuum from an inhome sales person. I got the loan from this company in 2017 for XXXX . Within the 1st month the vacuum broke and I attempted to return it but they refused to let me. The have since been charging me interest and refusing to close out the account. They sent me an email today stating that they would take 0.95 % of my balance which was currently at XXXX $ to settle out the account which would equal about XXXX XXXX When I called them an hour after i received the email, they said my account was XXXX $ and they would only accept 95 %. There is a vast difference in that and the agent assigned to my account refused to put anyone else on the phone. I don't understand how they can do this as they lied to me.
|
| 09/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
My ex husband for a Water filtration system that was posted on my credit as a mortgage. This was in XXXX. My husband and I divorced and I filed for bankruptcy and so did he. My BK has been discharged since XXXX, the account was included in the BK so was the house and these people have henderse me from being able to get a house and they refuse to drop this account. I have asked for a copy of the original contract and theyre still reporting me as late and that I owe. I want to press charges against this company, that have destroyed my credit illegally. The companies name is castle credit out of Florida. Its been 7 years, not only have they reached the statue of limitations, they have reported me late all these years.
|
| 03/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
The account I previously had, has been charged off. By XXXX The IRS Clearly says a Canceled debt or Charge off Is Income. The reporting of this account as a debt is inaccurate.
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) a person not furnish any information relating to a consumer to any consumer reporting agency if the person if the person knows or has reasonable cause to believe that the information is inaccurate.
I have contacted this establishment informing this manor. I have yet to see any change nor response from these companies reporting to the credit reporting agencies.
companies contacted XXXX XXXX, XXXX XXXX XXXX, CASTLE CREDIT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX,
|
| 12/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I bought a water softener and they used Castle Credit to finance it. On my contract with the water softer company there is no terms, interest rate, or amount of the monthly payments. Soon after we started getting phone calls from them and they wanted {$80.00} every 2 weeks for 60 months. We have paid them for the last 4 years. I had some money to pay it off and so I called them asking them to show me what I owed. They said I have only been paying half them time, so I asked to send me proof and they won't. They refuse to show me what I have paid and want XXXX on a XXXX water softer. I just want proof. They put it on my credit reports and won't stop calling me.
|
| 02/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had an account with Castle credit for a XXXX vacuum. I was transferring jobs and advised this company that I needed help paying the bill. The 1st representative agreed to help me, then I began getting collection calls at different hours and nonstop. I began to get aggravated so I borrowed money from a family member and asked for a payoff. I was advised that if I paid a little more than half the amount, they would mark the account as paid and full on my credit report. I made the payment, and received a letter saying paid in full, but my account now shows I owe the rest of the balance and the account is still listed as negative on my credit report.
|
| 08/28/2022 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
|
My interest is 9.99 % yearly for a total amount of {$6900.00} through Castle Credit. My statements show that I am paying more than 10 % in interest. Please see below. I show two different amounts for the interest charge in my statements. I spoke with Castle Credit but they were unable to clarify. Every statement since I open the account in XX/XX/2022 show different and incorrect amounts of interest charged. In XX/XX/2022, Castle Credit charged {$88.00} in interest and only {$2.00} was applied to my principal debt.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 02/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.
|
| 04/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American |
|
The credit report does not supply an address for the unknown company : Castle Credit. They pulled hard inquiries on my report XX/XX/2020 and XX/XX/2020. I do not recognize their name and have not done business with any such company. No address was provided with their inquiry. I have been turned down for credit previously for having too many hard inquiries some of which like this company, I do not know and another that told me they would not pull a hard inquiry and did so anyway, although I did not do business with them.
There should be a significant penalty for false inquiries such as this one.
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2020, I received a letter from CCCH stating that due to financial hardship, they are willing to let me settle my account for {$1900.00}, which will satisfy the debt in full. On XX/XX/2020, I made my last payment which fulfills my end of the agreement. On XX/XX/2020, I have received and email containing a receipt that states my account has been fully settled. To this day, my account is still being reported as delinquent despite all of the on-time payments that I have made based on the agreement. I see this reporting as fraudulent. Can you please look into this? I would appreciate it.
|
| 05/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting Act, Castle Credit Corporation account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX account # XXXX have violated my rights.
15 USC 1681 Section 602 states that I have the right to privacy.
15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B states that a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
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| 07/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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On XX/XX/2018 Castle Credit Co Hol, placed inquires on my credit file, and illegally retrieved my credit file. On this same day my wife, applied for credit with this company when she purchased a XXXX Vacuum Cleaner. I was not present, I was working that day. My wife did not consent to pulling my credit file. She has this account solely in her name, and has a signed contract with her name and signature on it. My speculation is they preferred for me to be listed on the account with her, but that is not legal. I never desired to do any business with this company.
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| 04/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Servicemember |
|
Retail installment contract is being incorrectly listed as a " secured home improvement loan '' and is showing as a lien on my property which is not true. This loan has been sold many times and somehow reported incorrectly. It is only a retail type loan. It is now causing me major discrepancies on my credit reporting. It has been fraudulently listed. Loan began in XXXX originally for {$3900.00}, I have all the original paperwork for it. It was relisted in XXXX at {$1200.00} as a charge off and it still showing up.
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| 07/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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My Balance of my home water softener purchase and installed in my home on XX/XX/XXXX or XX/XX/XXXX balance keeps rising at a interest rate of APR 7.00 % .I owed on my loan {$1600.00} but it keeps rising each month. Also on my credit report it states negatives and late payments, in which a filed bankruptcy was filed on XX/XX/XXXX and loan was reaffirmed.But creditor should not report any negatives on my credit report with XXXX, XXXX and XXXX. I have a excellent payment history. I am XXXX XXXX XXXX XXXX.
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| 03/10/2021 |
Yes |
- Debt collection
- Other debt
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- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
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Castle Credit has been calling my house supervisor at work, asking to call them on this number, XXXX ext. XXXX. They demand from me to pay my loan since its only the interest I was paying. When in fact, the water softener I financed with them created a problem as it was leaking and my neighbor complained about it. Instead of installing it in the garage, it was installed in an uncovered place outside my house. They have been calling my work and even my friends and I felt this is harrassment.
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| 02/01/2018 |
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
- Problem with personal statement of dispute
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|
Web |
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I was just notified by XXXX XXXX that I have a lien on my property through castle credit. I have a water system and castle credit finance me for the system. What I didn't know that they put a lien the minute you except the loan. I tried to refinance my house and it can't be done because of this issue. I talked to someone in castle credit and he stated that they do this with all there customers I hadn't had the loan only since XX/XX/XXXX. I am trying to get this matter resolved.
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| 09/20/2022 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Castle Credit calls twice a day using two phone # 's. XXXX leaves voice mail to call XXXX call back #. I've had my cell # since XX/XX/XXXX. XXXX XXXX falsely gave my phone # to Castle Credit. These phone calls and messages have been going on approximately 8 months. XX/XX/XXXX spoke with XXXX XXXX at Castle Credit again. He stated he would get with their IT department to take my phone # out of their computer. The problem calls are still continuing twice a day, every day.
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| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
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| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
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A XXXX vacuum was put in my name and my signature was forged on contract, I have talk to company about fixing my credit report and they gave me excuses and requested I pay off the vacuum, instead of doing there job I obtain all documents they requested to remove it and they have failed to do so. They also have threatened to continue to ruin my credit history of I don't pay for it so I'm kinda of stuck paying for it at the moment.
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| 10/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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I am currently try to clear up an account on my credit report that shows as a home improvement loan ( and it was not ) and is stopping me from aquiring an mortgage loan. I have asked the company on multiple calls to send me a letter stating they no longer hold the account and they refuse. On both conversations with a XXXX XXXX XXXX ( supervisor ) and XXXX they screamed at me on the phone and laughed and said they would not help.
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| 06/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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I was trying to purchase a XXXX XXXX cleaner, we did the paper work to run my credit on Thursday XX/XX/XXXX, and i was under the impression they had only one finance company. They have since ran my credit three times without my knowledge, and dropped my credit score drastically. I cancelled the purchase Tuesday XX/XX/XXXX. I don't know if its legal or illegal, but they did it without contacting me on the other inquiries.
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| 08/31/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
Servicemember |
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I keep seeing this company 's name on my credit report and have no idea who they are or why they claim that I owe them. This account was created by identity theft. It could be a relative or other unknown person ; it is not mine. I recently hired a credit repair company to help with this issue but have not seen any action taken. I 've asked the company as well as the credit bureaus to block this information, but no avail.
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| 01/26/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been asking castle credit via email on how I can start the process of being removed from the contract. They will not respond to emails or my phone calls. This was a joint account in which I should not be held responsible for. The other party has agreed to remove me. I want to know what are the steps for removal. I feel like castle credit will not disclose or go through from removing me.
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| 04/25/2018 |
No |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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Castle credit Repeatedly called nonstop almost every hour of the day. Saying theyre lawyers or police or theyre the court going to sew me or Im under investigation and thwyre going to report me if I dont answer. Theyve also called family members saying the same things and my job. Theyre very vulgar and rude wouldnt say who they were at first. Just that they wanted money.
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| 12/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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This Loan was an installment loan for home improvement This company is reporting it as a mortgage. They will not return my phone calls or emails. There is only one lady that handles my account. Her name is XXXX she has treated me like I am garbage. She wont respond to my emails or my phones calls. All I need is clarity on what type of loan this is.
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| 02/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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Web |
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I have repeatedly attempted to call the company. My phone number is new and told the company that I am not the person they are trying to call. I have never had any financial relationship with the company. I don't have an account with the company. The company calls multiple times a day and from different phone numbers.
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| 09/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX The company is not claiming to receive my payments on XX/XX/XXXX amount {$410.00} XX/XX/XXXX amount : {$410.00} XXXX XXXX ( don't remember exactly what date XXXX Since they kept saying that they hadn't received any payments since XXXX, I pad through their web site.They have also dinged my credit.
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| 03/07/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
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|
Web |
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Regarding account number XXXX My identity was stolen and was acquired, and or purchased by CASTLE CREDIT CO HOLDINGS LLC D/B/A CASTLE CREDIT.
who is now sending me dunning letters and posing as a creditor demanding payment on an alleged debt.
|
| 04/12/2017 |
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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Castle Credit has called my job, therefore jeopardizing it in numerous times.
Calling me at my home after XXXX and on week ends.
Castle Credit has put a lien on my house for a loan less than {$8000.00}.
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| 12/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
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I don't owe or have an account with this company. They are looking for someone else that is associated with my phone number. I tried several times to get this company to stop calling my cell number.
|
| 04/08/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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|
Web |
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Noticed this collection on my credit report called company said they would look into but nothing creditor is castle credit co holding says date opened XXXX XXXX XXXX is the past due amount
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| 04/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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Credit report an item that isn't mine Castle credit counseling holding date opened XX/XX/2018 amount XXXX which isn't mine
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| 04/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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I did not give XXXX XXXX XXXX XXXX and Castle Credit Co Holdings permission to check my credit.
|
| 01/27/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
Servicemember |
|
|
| 01/11/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
|
| 10/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/10/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 07/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 06/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
Older American |
|
|
| 12/14/2022 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
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|
| 10/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 08/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 04/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 04/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/23/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Referral |
|
|
|
| 07/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/15/2021 |
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
|
|
Web |
|
|
|
| 12/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 03/09/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
|
| 02/28/2020 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 04/18/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 03/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 09/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
|
| 03/09/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 02/17/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Postal mail |
Older American |
|
|
| 02/07/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
|
| 02/07/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Referral |
|
|
|
| 01/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Servicemember |
|
|
| 10/03/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 06/14/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
Older American, Servicemember |
|
|
| 04/11/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 03/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 02/17/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 07/30/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 03/04/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Phone |
Servicemember |
|
|
| 01/02/2015 |
Yes |
|
|
|
Web |
|
|
|
| 06/02/2014 |
No |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|