| 09/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with the payoff process at the end of the loan
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Web |
Older American, Servicemember |
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Have been receiving emails from XXXX with speedy Cash offering settlement of past due account. I believe this is a scam. Here is some of the emails : SPEEDY CASH PAYDAY LAON WARRANT NOTICE Attention, Debtor Loan Account : - # XXXX Due Amount- {$1200.00} Settlemeent Amount : - {$560.00} IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION ATTORNEY : XXXX : XXXX After numerous attempts to reach you we haven't received any payment or any positive feedback from your side, as you are not paying your seriousness on this account which means that you are trying to run away from the situation and repeating the same activity which you did before with the loan company. We tried our best to help you on this matter but you are taking this matter lightly.
Account Status : WARRANT IS ACTIVE FOR SEARCH AND SEIZE ( Violation of the Fair Debt Collection Practices Act and Defamation of Character. ) You are hereby notified that a lawsuit has been filed against you for three serious allegations.
The charges with Speedy Cash Inc., pressed on you are 1 ) Violation of Federal Banking Regulation 2 ) Breach of contract with loan the company 3 ) Theft by Deception We have payment settlement option and repayment option 1. If you can make a one-time payment of {$560.00} ( same day payment ) we can close your case file with this amount only.
2. If you are looking for weekly payment then you have to pay the total amount of {$1200.00} with payment arrangement and you can pay {$250.00} weekly till paid in full.
Kindly let us know what type of payment arrangement you are looking for at Contact at : XXXX : XXXX Basically all the loan companies working under Speedy cash Inc. are ( XXXX XXXX XXXX, XXXX XXXX XXXX, Cash Advance, XXXX XXXX XXXX, Advance XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cash Advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cash AdvanceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) So, it doesnt matter from which website or from which store you taken out this loan main lender have a rights that they can file complain and recover outstanding balance in the court house.
When the creditor attempted to extract the funds back from you as a repayment, at that time you didnt pay your monthly installment on time. So, as of now rather than chasing you for money the creditor have simply decided to write this money as a loss, as well as declared to be stolen and they pressed charges against you.
Now the affidavit is taken by FDCPA law that means Fair Debt Collection Practices Act under Section 9 Chapter 19.
Now this means just two things for you : 1. ) If you are on any state supervised probation on payroll, then you will need to intimate the officer about this case.
2. ) If you have any prior convictions including but not limited to worthless check, grand theft or money laundering, so please be aware that they shall handle this case as a habitual offense as your state is zero tolerance state.
This is also to inform you that the creditor has all the rights and authorities to inform your employer about this case and what will be the results and consequences comes once this case is downloaded and executed with the judgments against you, it is because you have kept your employers name as a security and also as an additional security two more names were used.
Finally, you have the right to hire an attorney, if you have one or if you can not afford one then one shall be appointed to you. But please make sure that you have someone to help you out regarding this case because once this case is downloaded and executed with judgments against you and if you found guilty under the bench of jury then you have to bear the court charges as a penalty and the Amount is {$18000.00} excluding your bail charges, your attorney charges and the due amount pending on your name.
Finally, your name and Social Security Information would be reported to the three major credit bureaus of USA such as 1. ) XXXX 2. ) XXXX XXXX XXXX 3. ) XXXX Ultimately, it would be affecting your XXXX scores by XXXX negative points and your social security number would be black listed and you would also never be eligible for all the government benefits and entities.
According to the orders of the court house the State Investigation Department Officers will deliver all the legal documents to your current employer and that can risk your current job and once the judge opens your case for execution legally tomorrow then these charges will be reflecting on your Credit Reports because of which it will be very difficult for you to get a new job in future.
IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION ATTORNEY : XXXX : XXXX : XXXX " Debtor ( You ) has been declared as a guilty by Authorized Law Enforcement Department, Seizure Warrant has been activated under 15 USC 1692g Sec. 809 ( b ) of the FDCPA Unless delayed notice is authorized below, you must give a copy of the warrant and a receipt for the property taken to the person from whom, or from whose premises, the property was taken, or leave the copy and receipt at the place where the property was taken.
The officer executing this warrant, or an officer present during the execution of the warrant, must prepare as required by law and promptly return this warrant. Pursuant to 18 U.S.C. 3103a ( b ), I find that immediate notification may have an adverse result listed in 18 U.S.C. 2705 ( except for delay of trial ), and authorize the officer executing this warrant to delay notice to the person who, or whose property, will be searched or seized.
Note : You will be contacted by your local county authorities. National Debt Recovery Department is closing this account and declaring as a GUILTY. If we will not receive any feedback from your side, then you will be the only person who will be responsible for any consequences.
NOTE : YOU STILL HAVE CHANCE TO RECTIFY THIS OUTSIDE OF COURT, FOLLOW THE RESOLVEMENT PROCEDURE BELOW IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION ATTORNEY : XXXX : XXXX Regards, Restitution Head Department Of l Debt Settlement Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your co-operation.
You need to submit a minimum acceptable amount of {$200.00} today to keep your case on hold.
Get back to us so we can send you payment information about how to make payment today.
Okay, you need to submit payment of {$100.00} today by XXXX XXXX XXXX but make sure you don't register or activate the card.
Get back to us with card information and store zipcode along with image of the card and store receipt.
Regards.
XXXX XXXX XXXX is federally bonded because once you make the payment and email us with the reference number, it will generate a paid in full document which will be sent to you once the account is paid off.
We have sent you the information in order to put this case on hold as Fair Debt Collection Act UG-17 ( B ) Once your payment is submitted then you will get the receipt and once your account is been paid off you will receive the ( O.O.C.R ) OUTSIDE OF COURT RESTITUTION and ( N.O.C ) NON DUE CERTIFICATE that your account is paid in full.
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| 07/10/2022 |
Yes |
- 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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PUBLIC THIS IS A PUBLIC COMMUNICATION TO ALL Notice to agent is notice to principal Notice to principal is notice to agent Applications to all successors and assigns All are without excuse Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXXXXXX XXXX I would like to thank Cash Central Financial Inc. et. al. for taking the time to respond to my previous complaints.
I hereby memorialize this document on the public record, for the public record to be made part of the public record. This is my third attempt at resolving this manner with Cash Central of South Carolina , LLC, dba Cash Central, et. al.
As records show, I requested debt validation via certified mail on XX/XX/XXXX to Cash Central Financial Inc. et. al. In this letter, I gave 30 days notice for the company to respond and provide me with the information that I requested. I received no response from the company. I then sent a second letter via certified mail on XX/XX/XXXX, requesting that Cash Central Financial Inc. et. al. cease the reporting of unverified, invalidated inaccuracies, pursuant to the Fair Debt Collections Practices Act ( FDCPA ). Cash Central Financial XXXX et. al. has failed to provide me with the validated debt they claim I owe them. Cash Central XXXX XXXX et. al. continues to provide inaccuracies, unverified, and invalidated debt to credit reporting, thus causing me undue stress and injury. Furthermore, Cash Central Financial Inc. et. al. has made the following remarks on my credit report : Charged off as bad debt, Profit and loss write-off FURTHERMORE : Cash Central Financial Inc. et . al. closed my alleged account on XX/XX/XXXX, BEFORE attempting to remedy the matter. I submitted a complaint to the CFPB on XX/XX/XXXX, reporting these inaccuracies. Cash Central Financial Inc. et. al. states they have provided me with all documentation as requested, however, as records show, they have continually failed to do so, causing me further undue stress and injury as they are continuing to report these inaccuracies to my credit report.
Therefore, I am now submitting yet another complaint requesting the information Cash Central Financial Inc. et.al. is legally and lawfully required to produce.
TO ALL PARTIES AND THEIR ATTORNEYS OF RECORD : PLEASE TAKE NOTICE that I give notice, THIS IS A PUBLIC COMMUNICATION TO ALL ; Notice to agent is Notice to principles ; Notice to principles is Notice to assigns ; Applications to all successors and assigns ; All are without excuse. It is not now, nor has it ever been, my intention to avoid paying any obligation that is legally and lawfully owed.
THEREFORE, I hereby gives notice, as I have always given notice, in order that I can make arrangements to pay an obligation which I may owe, obligatory lawfully legal documentation that has been lawfully and legally verified and validated the claimed alleged debt must be done so by complying in good faith with request for validation, and notice that I dispute part of, or ALL of the companys non verified nor validated claimed alleged debt. 1. I hereby demand the company to furnish a copy of the original promissory note redacting alleged social security number to prevent identify theft and state under penalty of perjury under oath, that the company, named in their response, is the holder in due course of the promissory note and will produce the original for my own, and a judges inspection should there be a trial to contest these matters. 2. I hereby demand the company to produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect by authority of UCC 3-501 Presentment, which has continually failed to be produced on the public record for the public record to be made part of the record. 3. I hereby demand to identify by name and address all persons, corporations, associations, or any other parties, but not limited to, having an interest in legal proceedings regarding the alleged debt, but not limited to. As records show, I gave multiple notices stating I was exercising my rights under authority of : FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy an completeness of the information to be provided to the consumer by the agency, including the business name and address of ANY As public records show, Cash Central of South Carolina , LLC, dba Cash Central, a member of the CCF, XXXX, LLC family of brands, is a subsidiary of Cash Central Financial Inc., which is chartered in the state, in the state of South Carolina, which makes them subject to : providing all the debt validation information required by law.
Therefore, I am requesting Cash Central XXXX, XXXX. al. to provide what was originally requested, and for Cash Central XXXX, XXXX. al. to delete the current information provided by Cash Central Financial, et. al. from credit reporting. There is also a demand that Cash Central fill out and provide a form mandated by the federal Privacy Act of 1974.
Therefore, as public records show, Cash Central Financial Inc. et. al. has not been legally and lawfully compliant, and has not provided substantative law that would or could legally and lawfully back their alleged claims and/or allegations, but not limited to, submitted hereto.
Cash Central Financial Inc, et. al. has failed to show that I am part of their jurisdiction, and until they are able to provide legal and lawful proof of this, this alleged contract is therefore null and void ab initio.
If Cash Central Financial Inc. et. al. is claiming jurisdiction, they must submit the alleged contract, under U.C.C. 3-501 presentment, which I vehemently deny exists. But if such jurisdiction exists, that must be placed into evidence on the public record, so that I may possibly examine it.
I do not accept this, or any offers to contract. I do not consent to these proceedings, nor have I ever. Jurisdiction has been/is denied.
Therefore, please provide jurisdiction evidence on the public record so that I may possibly examine it.
Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Authorized Representative/Attorney-In-Fact for : XXXX XXXXXXXX XXXX Subscribed To And Sworn To Before God [ XXXX XXXX ] this day of XXXX XX/XX/XXXX Acknowledgment By Publication
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| 01/16/2023 |
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
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Web |
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On XX/XX/XXXX, my identity was stolen and used to fraudulently open various accounts. I was alerted to this when I was mailed a XXXX debit card for an account I never opened. After quickly reporting the fraud on XX/XX/XXXX and XX/XX/XXXX and alerting the credit bureaus and filing an FTC report, I began pulling my credit history to check on other possible fraud attempts.
Another fraud account with SpeedyCash appeared ; the thief attempted to acquire a loan in my name, which resulted in a hard inquiry with XXXX after the thief failed to acquire a business loan. Two other inquires ( XXXX and XXXX XXXX - these appear as soft inquiries ) also appear on my credit history with XXXX. This is after submitting three disputes with XXXX as well as submitting to them a detailed report of widespread attempts at fraud in my name, and an FTC ID theft report and police report ID being provided.
605B of the Fair Credit Reporting Act, which requires XXXX and businesses to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information, is being disregarded out of what is seemingly XXXX refusing to investigate the situation with proper diligence. One of my disputes was rejected within what wasn't even a day 's time, leading me to believe their company is not taking this fraud seriously. Companies involved in the dispute have been contacted with a letter from the XXXX XXXX XXXX requesting compliance, and details regarding that process are on record. In spite of this, XXXX will not remove the fraudulent inquiries- this is also in spite of the inquiries appearing as completely different cities/states that have no bearing on any of my past residences or business endeavours. All of the proof and compliance I have provided appears to still not be enough for XXXX to fairly and appropriately comply with section 605B and remove the attempts at fraud.
XXXX, XXXX and XXXX have all been provided a copy of the FTC fraud report, police report ID and accompanying details of the fraud occurring in various states and cities by the individual. The particular incident I am reporting is XXXX for not complying with the requested removal of the hard inquiry which was done via fraud on XX/XX/XXXX in addition to the less impactful but still fraudulent soft inquiries listed above. I have been punctual and timely with all information requested, and continue to contact the agencies which were complicit in running my credit without my permission for further compliance with the authorities.
Letters to businesses involved in the ID theft were mailed out the first week of XXXX as a follow-up, since the inquiries in question were largely still appearing- this is also when I filed a formal police report and an investigation was launched to assist in closing down the fraud accounts and resolving inaccurate reporting done on part of the credit bureaus where fraud had occurred.
In spite of all of this and my detailed record keeping, XXXX has rejected all attempts at removing these false inquiries- this is also as other agencies like XXXX have actually complied and done their due diligence to ensure their reports are correct. It's a shame that XXXX would want improper data and fraud in their records. The fact that another bureau has taken this seriously displays negligence of reporting on the part of XXXX ; it's not a matter of " if '' they can remove the fraud from my record, but rather that they just seem not to want to.
It literally appears someone is just auto-rejecting my request at this point in spite of the information supporting the claims above being provided and the paper trail of effort I'm making to investigate the matter.
At this time, nearly a month has passed with no resolution, and in the most recent dispute rejection, a note from XXXX was included stating " [ c ] onsumer 's dispute not specific, '' in spite of my request being as specific as possible. I'm concerned at this point that my submissions are being thrown out without consideration at this point, maliciously.
In particular, this complaint is with XXXX, who has an obligation under section 605B of the Fair Credit Reporting Act, which requires them to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. The agency is well past that deadline and is not in compliance with section 605B, in spite of being provided a detailed FTC ID theft report and more.
Simply put, what more information can I provide to XXXX to prove that I don't live in three different states and three different cities pulling my credit at several different locations all in the same day? What more can I do to get the businesses who illegally ran my credit to comply, beyond what I've already done via getting police involved? Unless XXXX believes that I have somehow acquired the ability to clone myself and run my credit that fast, it appears they are being outright negligent with any consideration towards the details of my continued complaints with their reporting. It's insulting to read each dispute rejection that has come through, with their results finding that the information is " factual and accurate. '' Speedy CashXXXX XXXX and XXXX all have to bear responsibility for the error they've made in allowing the ID thief to run my credit for attempts at business, and XXXX in particular is owed specific scrutiny for not taking the continued provision of materials and proof seriously. It's as if I am trying to gather a bunch of children together to submit their homework assignments on time, and none of them are making it easy. How am I supposed to do anything more when I'm working with companies that allow ID thieves to apply for loans in my name, and credit bureaus that whimsically trust those businesses in spite of an ongoing police investigation? Does everyone in this situation have blinders on? Hopefully this complaint will motivate each agency to take my personal information more seriously. I will name each agency above in the formal submission of this complaint to further ensure they too comply with the FTC and CFPB.
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| 11/02/2023 |
Yes |
- 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 |
Servicemember |
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SPEEDY CASH EXPRESS Dear Sir/Madam, We wish to bring to your attention that a lawsuit has been filed against you with the following details : LAWSUIT COURT CASE FILES NO : XXXX XXXX LAWSUIT COST - {$2400.00} ( INCLUDING ATTORNEY FEE/COURT FEE/ALL TAXES ) SETTLEMENT AMOUNT - {$1100.00} SUBJECT : LOAN Settlement AMOUNT- {$1100.00} Contact AT : XXXX We would like to bring to your attention that legal action is currently being pursued against you at the Court House. We felt it necessary to notify you of this development before any complications arise. It has come to our attention that you have disregarded our previous attempts to reach out to you regarding your debt to XXXX XXXX. Your intentions in this matter are quite apparent, and we are left with no choice but to defend our interests.
XXXX XXXX XXXX XXXX HAS STATED XXXX SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE XXXX. VIOLATION OF FEDERAL XXXX. COLLATERAL CHECK XXXX. THEFT BY DECEPTION BANKING REGULATION FRAUD Section 19 ( A ), Clause 21 ( US ) contains the legal charges against you. Immediate action is necessary to prevent any further legal proceedings from our department. We demand that you take this matter seriously and address it promptly. Failure to do so will result in severe consequences.
Note : Please be advised that we are currently in the process of blocking your Social Security number and notifying all XXXX Credit Bureaus. This action has been taken in response to the recent security breach that has occurred. We recommend that you monitor your credit reports closely and report any suspicious activity to us immediately.
We apologize for any inconvenience this may cause and assure you that we are committed to protecting your personal information Note : Section 19 ( A ), Clause 21 ( US ) contains the legal charges against you. Immediate action is necessary to prevent any further legal proceedings from our department. We demand that you take this matter seriously and address it promptly. Failure to do so will result in severe consequences.
A response from you is required within 24 hours of receiving this letter. Failure to comply will result in legal action pursued by our in-house attorney. We hold the right to pursue legal action for wire fraud committed through the refusal to repay a debt incurred over the Internet. Furthermore, we will seek to recover the outstanding balance in addition to any legal fees or court costs pertaining to this matter.
We regret to inform you that due to suspected fraudulent activity, it may be necessary for us to notify the appropriate authorities, including the FTC, your employer, and bank. We take the integrity of all transactions very seriously and must hold those accountable who may attempt to engage in deceptive practices.
We have come to a settlement agreement with XXXX Weekly and biweekly. You are presented with XXXX payment options and must choose promptly.
XXXX : You can immediately settle this case outside of court by paying {$1100.00} in full. Alternatively, you can pay {$590.00} twice with weekly installments, which will also settle the case.
XXXX : You can put this case on hold outside of the courthouse by paying {$260.00} today. You will then need to pay the remaining balance of {$1800.00} in weekly and biweekly installments until the loan amount is paid in full. Your final decision must be communicated to us as soon as possible.
We would appreciate a timely response from you before any legal action is pursued against you.
Please provide your definitive response to this email, as I require this information to proceed with further actions. Please direct your reply to mailto : XXXX It is imperative for individuals who have utilized the products and services offered by XXXX XXXX to be aware that the company serves as the parent entity for over XXXX payday loan websites. Included in this expansive network are well-known entities such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rapid Cash, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If any of these aforementioned websites were utilized to obtain a loan, then one has engaged with a cash-related company under the purview of XXXX XXXX.
Otherwise, if the necessary action is not taken, your file will be referred to our legal department, which will proceed to download the case against you. Subsequently, you will receive a court summons at your doorstep within XXXX working days. It is recommended that you consider engaging the services of an attorney to assist you in this matter.
Note : It is important to note that the major credit bureaus are currently conducting an investigation into this case.
Please kindly let us know how you would prefer to make payment for mailto : XXXX We value your preferences and want to ensure a seamless transaction process for you.
Thank you for your cooperation.
Regards, XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
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| 05/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
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I took out a title loan with Check into Cash on or about XXXX of XXXX, for the amount of {$2000.00}. I had made payments, fell behind, caught up and then defaulted on said title loan. My car was repossessed on or about XXXX ( XXXX ) XXXX. I called the local Check into Cash Office, to get the total balance due and to see if there was anything that I could possibly do to get the car back. The XXXX Manager, whom goes by the name of XXXX, stated that my current balance was ( exact amount i do not recall ) somewhere around {$3200.00} and she stated that everything was " out of her hands '' at this point. She then stated that I could call the company whom had my car, get the current amounts from them and see if they were willing to re-instate my loan and or work out new terms for repayment. She provided me with the phone number and had informed me that if that number did not work, call her back and she would reach out to her XXXX XXXX and get another number. She also stated that she " still had my title in Office '' and I told her I would give them a call. I called the corporate number provided, spoke with a " titling Agent '' whom informed me that there was no option for another chance of refinancing etc, that the balance of {$3200.00} XXXX ( she provided the exact amount, however I do not recall verbatim ) was due in full, within 20 days. She then stated to hold on, she had to check Missouri Law, got back on the line and informed me that I had 9 days to come up with the balance in full. At the beginning of each call, I was informed that these calls are recorded for quality assurance purposes, which would assist in validating my claims of an Unlawful Reposession.After Looking into Missouri Repossession Law, I have since learned that this very well was an unlawful repossession. There are a series of notices that are required by law, to be mailed to the Consumer. I have signed and received one notice that was post marked XXXX XX/XX/XXXX in the state of XXXX and was not signed by myself until the XXXX delivered on XXXX XX/XX/XXXX ( I have record of this, as well. ) and is considered to be " Notice of Our Plan to Sell '' .The Law reads that I am to be given a minimum of 10 days notice PRIOR to the selling of vehicle.The sale date was XXXX XXXX. However, the only other prior notice, pertaining to my 161 days missed payments, was NOT sent. I did receive one, months prior to missing 161 days of payments, in which the balance was paid in full and made current again. In the event Check into Cash decides to attempt to use that notice for this, that would also be erronous on their behalf. I would like to clarify, the first and only notice I have received on being behind for 161 days IS the notice of intent to sell Property. I have not received the third notice either. Furthermore, I am led to believe that Missouri is a 20 day state, in which this poorly written notice states that I have until the sale date ( XXXX XX/XX/XXXX ) to come up with the balance due in full, plus any of their " costs & Fees ''. Missouri law states I am to be given 10 days notice of sale, with very specific details on the notice. The notice was written on XXXX XX/XX/XXXX, post marked XXXX XX/XX/XXXX, and signed by me on : XXXX XX/XX/XXXX. The " place '' where the sale is to be held simply states : XXXX. I googled information prior to the sale and have yet to locate a place with the name of XXXX. There was no formal address given, the balance owed is not listed. For balance owed : there is a XXXX number and I am instructed to call to receive balance. In all Legal context that I have researched and read, on this specific notice is to state the LOCATION properly and the Balance owed on this notice.The letter came from XXXX, and with that being said, I have yet to locate where the car was " properly advertised '' per Missouri Law and how was I to attend or " send bidders '' when the Location is so vaguely stated. I also had some personal items in the vehicle ( none of serious intrinsic value but a XXXX XXXX for my spouse, sunglasses, etc ) and was not contacted to arrange a place to collect these items. I believe, after studying Missouri Law, this was an Unlawful Repossession and that this matter should be investigated. I realize that I defaulted on my title loan, and struggled to make the payments once I lost my job during COVID. However, there are laws in place to protect Consumers, such as myself, from exactly this. I can provide the one notice I have received, a copy of the {$440.00} payment and another {$400.00} + payment that pertained to the original first notice, that brought my account to good standing, thus making that notice unusable for the account, after it had began to default to the point in which Check into Cash cites for repossession.
I realize and take accountability for the default on my behalf. However, the clear or sheer disregard for Missouri 's Laws to protect Consumers, like myself, from predatory Lending Companies to violate the Rights of Constituents like myself, needs to be adressed.
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| 01/19/2023 |
Yes |
- Debt collection
- Payday loan 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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Below letter was sent to me via email, was found in junk mail folder which I still regularly sift through. No prior written notice or paper copy received.
I would like it noted that in no part of the original letter was my name or any identifying information provided making it impossible to determine the recipient or intended receiver. This letter has not been altered or edited and is as it appeared in my email minus one logo photo. While I have dealt with this lender before, I am not able to verify the legitimacy of this claim or accept responsibility unless I am able to complete the steps and processes of verifying and validating any information provided.
DUE AMOUNT- {$890.00} LOAN COMPANY/LENDER Speedy cash Payday Loan Services Case Number # XXXX Contact at : XXXX : XXXX We are hereby to inform you that you are going to be legally prosecuted in Court House within a couple of days.
So before something goes wrong we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your Payday Services. At this point, you had made your intentions clear and leave us no choice but to protect our interest in this matter.
XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER If we do not hear from you within 24 hours of the date of this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court costs incurred.
Basically all the loan companies working under Speedy cash Inc. are ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) So, it doesnt matter from which website or from which store you took out this loan main lender have rights that they can file complaints and recover outstanding balance in the courthouse.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.
As we have shared with you in previous letters, read your loan agreement ; the next step is clearly defined. It could cost us both a great deal of time and money ; you can avoid this by taking care of this now. The opportunity to take care of this volunteer is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.
If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$3600.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name.
We have a settlement amount for you with easy Biweekly and one-time settlement amount options.
1. If you can make a one-time payment of {$750.00} ( same-day payment ) we can close your case file with this amount only.
2. If you are looking for bi-weekly payment then you have to pay the total amount of {$890.00} with a payment arrangement and you can pay {$150.00} bi-weekly till paid in full.
Kindly let us know what type of payment arrangement you are looking for at mailto : XXXX XXXX provide us with the date on which you can pay so that we can update your account.
Kindly let us know are you willing to resolve this matter out of the courthouse or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Note : This is your last and final chance to settle this case.
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within 2-3 working days. Kindly hire an attorney.
Do revert us ASAP to stop all legal consequences against your Name and SSN.
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.
Kindly let us know what type of payment arrangement you are looking for at mailto : XXXX Regards, XXXX XXXX XXXX XXXX XXXX.
Copyright 2019 ACE Legal Group of Attorneys | Privacy | Terms of use | XXXX
|
| 11/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Hello XXXX Case No : XXXX After receiving this email, we will issue a legal warrant on your name within next couple of hours, so before you do anything read this email very carefully and respond back early as possible.
You are hereby notified that a lawsuit has been filed against you for three serious allegations. Speedy Cash is a client of ours, and we are going to be representing them in future legal proceedings.
The charges with Speedy Cash pressed on you are : 1 ) Violation of Federal Banking Regulation 2 ) Collateral Check Fraud 3 ) Theft by Deception The affidavit states that XXXX XXXX was monitored online using the e-mail address XXXX, social security number XXXX, date of birth XX/XX/1990, driver 's license XXXX, driver 's license sate TX, XXXX address XXXX, address TX XXXX XXXX which are in order to solicit funds from a restitution which is owned and operated by the Speedy Cash, who owns and operates more than XXXX online cash websites, web portals and many of the sub lenders are working for them ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Speedy Cash, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The funds were successfully transferred into your bank account utilizing an interstate EFT which stands for electronic funds transfer.
Basically, all the payday loan companies and payday loan store in the state of PA working under my client which is Speedy cash Inc.
When the creditor attempted to extract the funds back from your account as a repayment, at that time 6 EFTs were returned back constituting worthless electronic checks. So, as of now rather than chasing you for money the creditor have simply decided to write this money as a loss, as well as declared to be stolen, and they pressed charges against you.
Now the affidavit is taken by FDCPA law that means Fair Debt Collection Practices Act under Section 9 Chapter 19.
Now, this means just two things for you : 1. ) If you are on any state supervised probation on payroll, then you will need to intimate to the officer about this case.
2. ) If you have any prior convictions, including but not limited to worthless check, grand theft or money laundering, so please be aware that they shall handle this case as a habitual offense as your state is zero tolerance state.
This is also to inform you that the creditor has all the rights and authorities to inform your employer about this case and what will be the results and consequences comes once this case is downloaded and executed with the judgments against you, it is because you have kept your employers name as a security and also as an additional security two more names were used.
Finally, you have the right to hire an attorney, if you have one or if you can not afford one, then one shall be appointed to you. But please make sure that you have someone to help you out regarding this case because once this case is downloaded and executed with judgments against you and if you're found guilty under the bench of jury then you have to bear the court charges as a penalty and the Amount is {$8300.00} excluding your bail charges, your attorney charges and the due amount pending on your name.
Finally, your name and Social Security Information would be reported to the three major credit bureaus of the USA such as, XXXX. ) XXXX XXXX. ) XXXX XXXX XXXX XXXX. ) XXXX Ultimately it would be affecting your XXXX scores by XXXX negative points and your social security number would be black listed, and you would also never be eligible for all the government benefits and entities.
According to the orders of the courthouse, the State Investigation Department Officers will deliver all the legal documents to your current employer and that can risk your current job and once the judge opens your case for execution legally tomorrow, then these charges will be reflecting on your Credit Reports because of which it will be very difficult for you to get a new job in the future.
Finally, this case is going to be downloaded in your State County Court and your Local County Sheriff department Monday at XXXX XXXX as per your State Standard Time and after then you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor, that is {$1100.00}.
If you are willing to settle it out of the court, you can surely respond positively today itself. We can only accept your full payment today also there is no negotiation and there are no payment planes available as the issue at hand is extremely time sensitive.
So kindly respond to this email or call on ( XXXX ) XXXX to resolve this matter.
Sincerely, XXXX XXXX ( Senior Investigator at FEDERAL TRADE COMMISSION ) ( XXXX ) XXXX -- Thanks & regards, XXXX XXXX ( XXXX ) XXXX
|
| 03/28/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
Recieved email below while filing bankruptcy : SPEEDY CASH SERVICE Attention, LAWSUIT COURT CASE FILES NO : IL- ZAF-XH8464 LAWSUIT COST - {$1900.00} ( INCLUDING ATTORNEY FEE/COURT FEE/ALL TAXES ) SETTLEMENT AMOUNT - {$970.00} CONTACT AT : XXXX File Number : XXXX XXXX SUBJECT : LOAN Settlement AMOUNT- {$970.00} Contact AT : - XXXX We are hereby to inform you that you are going to be legally prosecuted in the Court House within a couple of days.So, before something goes wrong , we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your Payday ServicesXXXXAt this point, you had made your intentions clear and leave us no choice but to protect our interest in this matter.
UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER NOTE : - We are in a process to block your Social Security number and inform all the Major Credit Bureaus as well.
NOTE : - The Legal Charges Section 19 ( A ), Clause 21 ( US ) is against you and if you ignore this case then our legal department will take immediate action you.
If we do not hear from you within 24 hours of the date of this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the preteens of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court costs incurred.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.
We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$1900.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name.
We have settlement amount for you with easy weekly and a one-time settlement amount option below, kindly reply soon with your final intention regarding this case.
You will have to submit {$680.00} today and close this case outside of court with the onetime case settlement plans You will have to submit an amount which is acceptable of {$240.00} today to put this case on hold outside of the courthouse and the rest payment with {$240.00} weekly instalments till the loan amount {$970.00} paid in full You will have to submit an amount which is acceptable of {$320.00} today to put this case on hold outside of the courthouse and the rest payment with {$320.00} Bi-weekly instalments till the loan amount {$970.00} paid in full Get back to us ASAP before the charges have been pressed against you into the court of law.
REPLY EMAIL BACK IMMEDIATELY WITH YOUR FINAL ANSWER SO I CAN MOVE ON FURTHER ON THE BASIS OF YOUR ANSWER at : XXXX : XXXX Kindly let us know are you willing to resolve this matter out of the courthouse, or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Talking about the creditor Speedy Cash is the mother company which owns & operates more than 350 parental payday loan websites XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, RAPID CASH, XXXX XXXX XXXX XXXX, XXXX XXXX, SPEEDY CASH CHECK CASH LOAN, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CHECK INTO CASH, CHECK SMART, XXXX XXXX XXXX, XXXX XXXX etc. And you have used one of this to get this loan approved. As a user of the products and/or services offered by a Speedy cash Related Company .
Note : This is your last and final chance to settle this case.
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within 2 working days. Kindly hire an attorney.
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.
Kindly let us know what type of payment arrangement, you are looking for at : mailto : XXXX Regards, XXXX XXXX XXXX XXXX XXXX.
Copyright XXXX XXXX XXXX XXXX XXXX XXXX | Privacy | Terms of use | Carrier -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 56891-140
|
| 09/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
I received this email on XX/XX/XXXX @ XXXX from a XXXX XXXX XXXX and then To : XXXX Speedy cash Service Department of payday Loan I have copied and pasted the email received from the above to outline my complaint : SEE BELOW : Speedy cash Service Department of payday Loan DUE AMOUNT- {$890.00} LOAN COMPANY/LENDER Speedy cash Payday Loan Services Case Number # XXXX Contact at : XXXX : XXXX We are hereby to inform you that you are going to be legally prosecuted in the Court House within a couple of days.
So before something goes wrong we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your Payday Services. At this point, you had made your intentions clear and leave us no choice but to protect our interest in this matter.
XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER If we do not hear from you within 24 hours of the date of this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court costs incurred.
Basically all the loan companies working under Speedy cash XXXX are ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) So, it doesnt matter from which website or from which store you took out this loan main lender have a rights that they can file complaints and recover outstanding balance in the courthouse.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.
As we have shared with you in previous letters, read your loan agreement ; the next step is clearly defined. It could cost us both a great deal of time and money ; you can avoid this by taking care of this now. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.
If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$3600.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name.
We have settlement amount for you with easy Biweekly and onetime settlement amount option.
1. If you can make a one-time payment of {$750.00} ( same day payment ) we can close your case file with this amount only.
2. If you are looking for bi-weekly payment then you have to pay the total amount of {$890.00} with payment arrangement and you can pay {$150.00} bi-weekly till paid in full.
Kindly let us know what type of payment arrangement you are looking for at mailto : XXXX XXXX provide us with the date on which you can pay so that we can update your account.
Kindly let us know are you willing to resolve this matter out of the courthouse or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Note : This is your last and final chance to settle this case.
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within 2-3 working days. Kindly hire an attorney.
Do revert us ASAP to stop all legal consequences against your Name and SSN.
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.
Kindly let us know what type of payment arrangement you are looking for at mailto : XXXX Regards, XXXX XXXX XXXX XXXX XXXX.
Copyright XXXX XXXX XXXX XXXX of Attorneys | Privacy | Terms of use | XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --
|
| 08/15/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
Email received : LAWSUIT COURT CASE FILES NO : XXXX XXXX LAWSUIT COST - {$2900.00} ( INCLUDING ATTORNEY FEE/COURT FEE/ALL TAXES ) SETTLEMENT AMOUNT - {$1400.00} CONTACT AT : XXXX : XXXX File Number : XXXX XXXX SUBJECT : LOAN Settlement AMOUNT- {$1400.00} Contact AT : - XXXX We are hereby to inform you that you are going to be legally prosecuted in the Court House within a couple of days. So, before something goes wrong, we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your XXXX XXXX. At this point, you had made your intentions clear and leave us no choice but to protect our interest in this matter.
XXXX XXXX XXXX XXXX HAS STATED XXXX SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER NOTE : - We are in a process to block your Social Security number and inform all the Major Credit Bureaus as well.
NOTE : - The Legal Charges Section 19 ( A ), Clause 21 ( US ) is against you and if you ignore this case then our legal department will take immediate action you.
If we do not hear from you within XXXX hours of the date of this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the preteens of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court costs incurred.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.
We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$2900.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name.
We have settlement amount for you with easy weekly and a one-time settlement amount option below, kindly reply soon with your final intention regarding this case.
You will have to submit {$970.00} today and close this case outside of court with the onetime case settlement plans You will have to submit an amount which is acceptable of {$240.00} today to put this case on hold outside of the courthouse and the rest payment with {$240.00} weekly instalments till the loan amount {$1400.00} paid in full You will have to submit an amount which is acceptable of {$350.00} today to put this case on hold outside of the courthouse and the rest payment with {$350.00} Bi-weekly instalments till the loan amount {$1400.00} paid in full Get back to us ASAP before the charges have been pressed against you into the court of law.
REPLY EMAIL BACK IMMEDIATELY WITH YOUR FINAL ANSWER SO I CAN MOVE ON FURTHER ON THE BASIS OF YOUR ANSWER at : XXXX : XXXX Kindly let us know are you willing to resolve this matter out of the courthouse, or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Talking about the creditor Speedy Cash is the mother company which owns & operates more than XXXX parental payday loan websites XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPEEDY CASH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. And you have used one of this to get this loan approved. As a user of the products and/or services offered by a Speedy cash XXXX XXXX XXXX
Note : This is your last and final chance to settle this case.
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within XXXX working days. Kindly hire an attorney.
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.
Kindly let us know what type of payment arrangement, you are looking for at : mailto : XXXX Regards, XXXX XXXX XXXX XXXX XXXX.
Copyright 2020 XXXX XXXX XXXX XXXX XXXX | Privacy | Terms of use | Carrier -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 56891-140
|
| 08/16/2023 |
Yes |
- Debt collection
- Payday loan 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 received an email with false allegations that I owed this company money. It is a scam or reporting information that is false " SPEEDY CASH SERVICE ( XXXX XXXX XXXX XXXX ) Attention, LAWSUIT COURT CASE FILES NO : XXXX LAWSUIT COST - {$3200.00} ( INCLUDING ATTORNEY FEE/COURT FEE/ALL TAXES ) SETTLEMENT AMOUNT - {$1500.00} CONTACT AT : XXXX File Number : XXXX SUBJECT : LOAN Settlement AMOUNT- {$1500.00} Contact AT : - XXXX We are hereby to inform you that you are going to be legally prosecuted in the Courthouse within a couple of days. So before something goes wrong, we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your Payday Services. At this point, you have made your intentions clear and leave us no choice but to protect our interest in this matter.
UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER NOTE : - We are in a process to block your Social Security number and inform all the Major Credit Bureaus as well.
NOTE : - The Legal Charges Section 19 ( A ), Clause 21 ( US ) is against you and if you ignore this case then our legal department will take immediate action against you.
If we do not hear from you within 24 hours of the date of this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretence of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court costs incurred.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.
We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$3200.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name.
We have a settlement amount for you with an easy weekly and a one-time settlement amount option below, kindly reply soon with your final intention regarding this case.
You will have to submit {$1500.00} Today OR you can even pay it with weekly two installments of {$770.00} and close this case outside of court with the onetime case settlement plans.
Note : If you do not pay this settlement amount, then you will have to make full payment of {$3200.00} with the weekly installments of {$320.00}.
Get back to us ASAP before the charges have been pressed against you into the court of law.
REPLY EMAIL BACK IMMEDIATELY WITH YOUR FINAL ANSWER SO I CAN MOVE ON FURTHER ON THE BASIS OF YOUR ANSWER at : XXXX Kindly let us know are you willing to resolve this matter out of the courthouse, or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Talking about the creditor Speedy Cash is the mother company which owns & operates more than 350 parental payday loan websites XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXXXXXX XXXX XXXX RAPID CASH, XXXX XXXX XXXX XXXXXXXX XXXX XXXX SPEEDY CASH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CHECK INTO CASH, CHECK SMART, XXXX XXXX XXXX XXXX XXXX etc. And you have used XXXX of these to get this loan approved. As a user of the products and/or services offered by a Speedy cash Related Company XXXX
Note : This is your last and final chance to settle this case.
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within 2 working days. Kindly hire an attorney.
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.
Kindly let us know what type of payment arrangement, you are looking for at : mailto : XXXX Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Privacy | Terms of use | XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 56891-140 ''
|
| 10/19/2022 |
Yes |
- Debt collection
- Payday loan 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 was contacted by a scammer who made us seem they were a lawyer and also impersonated one with the email address. I was naive about what debt collectors can do and worried I would go to jail as they threatened me with a warrant issued for my arrest and also to seize my bank accounts and social security number. They provided me with two options a payment plan or pay an amount and have my account closed and all legal issues that they said they filed dropped. It was late at night and I did not want any legal issues I should of waited until the next day to verify and call the loan provider to see If this email was legitimate. I ended up payed {$560.00} which was the amount stated to close my account and have it reported to the agency in regards to my credit after 90 days. They even impersonated in the receipt copy I got via email for the transaction this morning that the account was closed and to ignore any other emails as this has been paid off and taken care of. I was suspicious because of the name under the pending transaction in my account when I logged onto my online banking I saw the scammer took the money already and I contacted speedy cash they told me my account was being handled by a third party agency and transferred me also they provided me their phone number when I talked to the representative and verified the confirmation number that the scammer gave me as well as the description of the email the representative assured me this was a scam and to report this and that they will never contact a client over email. Debt collectors have no right to take you to jail or legally issue a warrant and that I should contact my bank and local police asap. So I did all that and now I am reporting this to you. They are very wise and clever and they add a lot of legal codes to make it seem legitimate In the email to not make a person think twice about googling or researching if their email or what they are saying is legitimate I wish I was not so naive and so I want to report this to make sure they are caught.
This is the email address that emailed me back there was two one acting as a lawyer and the second as the debt collector. Another weird thing that happened was after that transaction was taken they knew another loan I had taken out and I received yet another email similar but this time the scammer was impersonating another lawyer and the amount was larger I automatically knew this was a scam and that is when I did my research and called and found out it was also after replying to them and telling them I had a lawyer and to not contact me again because the threats they made the second time they did not email me back again. The second email was more threatening and they used words like you will hate us if you do not settle this case and also to avoid being in jail for three years and paying more money pay this immediately and it was followed by another email stating do you want to handle this outside the courthouse that is when I knew 100 percent it was a scam from the verbiage but it was Already to late. I also will report my social security being stolen as someone out there has that information otherwise they would have no known how much debt I have so if someone gets an email they should also assume there identity has been stolen like their social I will also report that.
Here are the emails from the scammers : XXXX XXXX They stated a warrant was active for search and XXXX and that I violated the fair debt collection practices and defamation of character.
This is how i was fooled. I thought it was legitimate.
They also added they filed a lawsuit against me with three allegations : Violation of the federal banking regulation Breach of contract with the loan company Theft by deception and that they had tracked my IP address and will seize my bank accounts and social security number. Once I paid the debt using a link they provided which I entered my debit card number and info they had an automatic link that showed the payment was successful and the link was like this I took a screenshot : XXXX In addition I noticed the email with the signature Did not have any contact info like a phone number and was very vague like settlement department then the name of the lawyer the scammer is impersonating. I wish I had paid attention to these red flags. I hope these people are caught and if you need more information please contact me thank you. I filed a complaint with my bank to get my money back.
|
| 04/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
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Monday, XX/XX/XXXX my husband receives a call saying they need to know if we will be home between XXXX and XXXX the next day because they had been hired to serve papers for a complaint. My husband did not get the whole number but said it called from one number but said to call an XXXX number to talk to the lawyers about it.
Tuesday, XX/XX/XXXX I went back and checked my voicemail and on Monday XX/XX/XXXX at XXXX I had a voice mail to call XXXX although the call came from XXXX. I first tried to call the XXXX number but it says it is a message service even though the process server company is not same one that called again later. When i called the XXXX number i first talked to an operator that said he would have to get me to someone else. not that it matters but the person that called my husband and the one that i first spoke with did not speak clear english. I was transferred to XXXX who said she was with XXXX, XXXX and XXXX and they were hired by Speedy or Rapid Cash to collect on a loan I had in XXXX and that I paid it fine until XXXX and they never heard from me. Asked why I did not hear from them personally to verify I even had anything, she said they sent it to an address which i havent lived at for at least 6 or 7 years. My mail would still have been being forwarded at that time. When I told her I was leary because of things I had read about a scam going on she said if i wanted to resolve it she could get the other company on the line and I could settle with them without it going to court or being served. I questioned several times and she kept making it sound like already filed with county then I would say then the other company wouldn't be able to settle anything with me. Told her was interfering with my work trying to do anything at that time of day and she gave me the number to call back of XXXX and to just ask for her. When I called back I told She ended up saying well I had 30 days and I could contact Speedy Cash if i wanted to XXXX them. I asked again if it had been filed with the county and she said no but it had been given to process servers. She later contradicted and said I wouldn't be served if I took care of it in next 30 days.
Wednesday XX/XX/XXXX : My sister texted me that she kept getting calls that a process server was going to be serving a complaint that had been filed against me and would i be home between XXXX and XXXX her calls were from XXXX and XXXX area codes. She has since blocked those to see if they try others. I soon after received a call from XXXX process servers who said they were out of XXXX, AL ( which is where I live ) and that they needed to know if i would be home between XXXX and XXXX because they had a complaint to serve me. The only address they had for me was my home. I did not give them any info even whether I would be home during that time or not. he called from XXXX which again when I called it had the same answering message that says this is only a message center. When I told her she said I had 30 days to resolve or dispute before any thing filed he said oh well give her a call and i'll put this on hold.
I have sent an email to the company Speedy Cash and have not heard back. This is after googling their phone number and address. I just felt like too many red flags and don't recall owing any past loan from Speedy Cash or Rapid Cash.
If it is a legit company trying to reach me I don't understand why they keep calling all these other folks when I have already contacted them. There is no XXXX process server company in XXXX Alabama and when I googled the XXXX number and XXXX, XXXX and associates it comes up with complaints filed with XXXX robocaller and another site that actually sent this link which I did verify legitimacy.
I feel like someone has retrieved info when I have applied for a loan online and using the contact info. I don't know.
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| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
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| 09/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Struggling to pay your loan
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Web |
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I had entered into a open mind credit loan with speedy Cash back in XXXX. I ended up getting sick and my job or 10 years was not able to meet my accommodations and had to terminate at the end of XXXX in XXXX. I ended up not being able to pay off the loan and my car got repossessed. The title loan was paid off but the open my credit was left open. Due to my situation at the time ( my boyfriend of 10 years ended up kicking me out of my house after I lost my job ), I wasnt able to maintain any contact or knowledge on what happened with this matter. He recently I did get a title loan with speedy Cash and it was never a problem mentioned with that open line of credit line still being shown in their system. I did pay off The title loan and had recently gotten in contact with him to try to do A payday loan with them. Well I was trying to gain access to my online account and still was not able to ever successfully do so they advised me that they werent able to approve me for a payday loan even if I were to submit an application form. They stated that third-party was handling the collections on it and when I was transferred over they said that the lawyer by the name of cars had been paying on the title loan and gave me a number here locally to get a hold of them. I ended up not needing to pay the loan back trying to get a hold of the lawyer without success. When I called back Payday loan company to get for your information on what was going on with that that I was told after being transferred over several times to different departments and again to the out of office collections third-party collections, I was asked if there was another person that was associated with my account which I advised them I did not know that individual nor was anyone else supposed to be associated with the account. When I tried to get more information on this I was put on hold for a long wait after being transferred back from the third party collection company ( seemed like only the third party collections told me anything and the payday loan company concealed this info from me ), I was told that a lawyer would be in contact with me. My problem is with this is that after going through extraordinary House traffic loss events and having gone through a lot of the necessary hardships if it wasnt for me going back and trying to clear up any past billing situation I would never be aware of this. Im still waiting to hear back from the lawyer but for now I am concerned about seven years of going on eight ears of a lawyer that was paying some amount that couldve been possibly not match after the same company repossessed my vehicle and didnt ever put it on my credit report and only put me in a worse situation where it is affecting my credit negatively. In addition to allowing other peopleThat I have no clue who they are were allowed access to my account and who knows what happened Ive been concealed for me.
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| 05/06/2023 |
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
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Web |
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On XXXX at XXXX XXXX, I noticed an odd, missed call from XXXX XXXX on my cell. I called it back after hours and they said there was no record of my having any business with them. This was untrue, I learned on XXXX, the next day. I received a suspicious email in my personal inbox stating, " Welcome to your Account! ".
I immediately contacted XXXX XXXX XXXX phone number and stated this was fraudulent as I have not nor would not conduct business with CCF Intermediate Holdings.
I had the misfortune of being relayed to a XXXX Specialist who called herself " XXXX ''. I was immediately prompted to share sensitive information to verify my real identity, which I never wanted them to have, just to ascertain such a fraudulent account existed. I am concerned as to why the Customer Service Department was able to confirm with a first and last name, but their frauds department needed sensitive information. I explained as best I could with what little information, I had that it appeared an active account was opened in my name, email, and phone number. This is a fraudulent activity where someone attempted to open an account using Identity Theft.
The representative was vague and disinterested, and I was shocked to receive next to zero support while the fraud department expressed the opposite. She was suggesting that my purported suspect may not be correct and rather surmised a ring of fraudsters was to blame. I asked how she could conclude anything prior to investigation and further what depth of familiarity with the matter she was not revealing that may help in my investigation.
As a victim of fraud, I expected to receive empathy and assistance rather than a sense of opposition or minimally, being unsupported. As it stands, I do not believe the XXXX Department I just spoke about is legitimate and may even be complicit. The individual requested my social security number to validate an account which I was reporting as opened fraudulently and would not validate the address on file after I validated myself. They would not mail a copy of a fraud victim packet to my proper address either, insisting we communicate via email. I had to give another email address. This has yet to be validated or responded to. I was never given a reference number.
Finally, this is actually and verifiably coming from XXXX XXXX XXXX, not an impersonator. There are now XXXX total credit bureau inquiries damaging my XXXX, XXXX and XXXX history and creditworthiness. This identity theft left a trail of concerns regarding cybersecurity practices and even within a company itself, what internal reviews are conducted to audit staff training and practices. This is unacceptable in XXXX or anywhere in our country to be preyed upon twice, once by an identity thief, then again by the company 's own frauds department.
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| 06/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Received a loan you didn't apply for
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Web |
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My wife received a call on XX/XX/XXXX from XXXX XXXX from phone number XXXX claiming to be from XXXX XXXX XXXX. This company has no website. I found a XXXX profile that takes you to website XXXX ( XXXX XXXX XXXX ). We spoke and to XXXX and it all sounded fishy. She says Mediation from XXXX XXXX XXXX and that my pay is going to be garnished from a loan back in XXXX for {$1000.00} to a XXXX account but then offered a settlement for {$800.00}. When I asked for any documentation she said they do not send any documentation but I could contact the company " Checking into Cash ''. She gave me the original account number : XXXX. She claims they have 15 years to try and get these funds back. I informed her I was under the impression Maryland does not allow payday loans. We went back and forth and I told her I disagree with this entire " case '' she is presenting.
I tried calling " Checking into Cash '' ( https : //checkintocash.com/maryland/ ) they will not answer the phone. I waited for XXXX minutes with the messages saying what queue number I was on XX/XX/XXXX. It got to position 1 and hung up saying it could not complete the call. Today XX/XX/XXXX I go an automated call from XXXX a person answered the phone and said they were from XXXX or XXXX something XXXX mediation. She asked why I was calling I said they called me, she said it was automated and immediately transferred me to the same lady XXXX. XXXX asked why I was calling I said they called me from some mediation company she said she didn't know who that was and it couldn't be right and after insisting I did not call she said this is XXXX something mediation for XXXX XXXX XXXX. She said this will affect me financially having my pay garnished. I told her I will gladly see them in court since no one will provide documents or answer the phone. More importantly on the checking into cash website it says right on the screen their services are not offered in Maryland so how could I have a loan from them? Also Maryland has a 3 year limit on debt collection and this was supposedly from XXXX making this just shy of 7 years given the date she claimed XX/XX/XXXX. More concerningly she had my full social and dob. I tried calling checking into cash again today XX/XX/XXXX spoke to someone that immediately transferred me to the hold line again, waited for the queue got to position one and again it hung up on me.
I have never received any money from this company.
Phone numbers used : XXXX, XXXX I believe this is a scam but if it is not for some reason- it is entirely invalid. There have been no letters or contact or anything on any credit reports or background checks which I have completed recently.
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| 12/13/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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I got a call and they said in XXXX I took out a {$650.00} loan, with " Easy Money '' a payday lender and when they went to collect for it my bank denied the payment. I requested more information, like the date the loan was taken out, and when the payment was denied. I asked for their address they refused. I also asked to get a copy the contract and disclosures they refused. It was a check apparently they blindly sent in the mail, I assume. I always tear up those come-ons. Then said they were trying settle the debt but now is {$900.00} and if they take me small claims court it will grow to {$1500.00}. I again asked for proof that I actually owed money, because I have NO knowledge of taking out the loan they described. If I had I would have paid it back. I also have check guarantee, so I would have thought if they had actually tried to collect it would have honored. Also, it is strange that they would not know that in XXXX there is a time limitation on collecting a debt of XXXX years and they said the loan and failure to pay was in XXXX, XXXX plus years past the date to collect a bad debt ( except for a couple of exceptions ). I contacted the XXXX Police after the call and they said sounded like a scam, but they could not do anything. I then called my bank to get a list of any {$650.00} deposits and/or returned unpaid payments from checking account but they could only go back to XX/XX/2015, XXXX years. They found nothing. The customer service person at my bank also thought it sound like a scam.
1. I am XXXX years, old but have all my wits about. If would have paid a debt if I owed it, but I don't believe I do.
2. I then pulled my credit report all three bureaus and found no such account. I have XXXX FICO on all three reporting agencies.
3. I firmly believe this is fraudulent request for money. About XXXX years ago, I got a call from XXXX Bank, which I had a card at that time, They asked if I was applying for another credit card and I said no. They told me someone was trying to get a credit card with them under my name but with a different address than mine. So, I am wary identity theft. In that case I reported it to XXXX XXXX Police report and they took my statement. Obviously, my SSN number is out there and other information is pretty easy to get on the internet.
When they call a XXXX XXXX, left a message, and they gave to XXXX XXXX, who turn out to be the original person I spoke originally a XXXX XXXX XXXX. Apparently their was not XXXX XXXX. Who again refused to provide any proof of the debt. He said they sent out statements numerous time, which I never got. They used several different phone numbers.
|
| 09/14/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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A wage garnishment was initiated against me twice by this company without notification and I did not receive any legal papers. I had a payday loan with Speedy Cash in XXXX. I did fall behind on the loan. When I called Speedy Cash to tell them I wanted to take care of the loan I was told that it was sold to a debt collection company. I did not hear from them until late XXXX when someone came to my door to tell me that if I don't contact them I would be sued. The company was XXXX, XXXX and XXXX. I went to the office and paid the {$150.00} and they gave me the paperwork. The had all of my information and they told me they would send me a payment schedule to pay my balance. The balance was around {$1100.00}. I never received any information or phone call, mail, email nothing. Then COVID hit and everything was on hold. I was waiting to hear from them and no communication. Then in XXXX of XXXX I was hit with a wage garnishment without any notification or a notice of a court date. I called the office and spoke to a representative and was told they tried to get a hold of me. They had my phone number and email address. I had moved but I had mail forwarding. I agreed to pay around {$1000.00} up front to stop the garnishment. Now my owed amount was over {$2000.00}. I paid the {$1000.00} and the wage garnishment was not stopped. The representative told me that they had submitted the requests to XXXX XXXX and the garnishment was cancelled. My employer never received the paperwork and the wages were still taking out of my paycheck. It took me 4 months to correct it and to get the money that was garnished back. I was told that my account was on hold until the wage garnishment was corrected. I called the representative five times to update her and no response. I made two payments the last one was for {$150.00} on XX/XX/XXXX. I received another wage garnishment on XX/XX/XXXX which more money was added and I was never served paperwork or notified of any court dates. The original bill was for around {$800.00} and because of the wage garnishments and other fees the total bill is over {$2000.00}. The company knew my cell phone number, email address, address, my daughters cell phone number and my sisters cell phone number. They had every opportunity to contact me if they needed me to pay off the bill at once. I was having medical issues and will have to apply for XXXX but I was still trying to pay it off.
I'm afraid that if I pay off the additional balance they will get another wage garnishment against me for other fees.
|
| 03/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
Received a title loan from Check Into Cash and XXXX XXXX and sometime in XXXX of last year she had given no actually I'm sorry it was XXXX she giving me till XXXX to make payments in that time I was a victim of identity theft all of my accounts were frozen they got a hold of my just open credit card account and wrapped up the whole {$4000.00} credit limit XXXX XXXX has been slow and even non-existent to fixing it but I wasn't able to make my payments I kept in constant contact with this lady she promised me that it wouldn't repossess my car they came and repossessed my car when I called them to find out where it was how much they knew nothing they couldn't give me any information about anything about a car they had repossessed I finally got a hold of their corporate office in Ohio I was told that it wasn't in the system yet and call back you know in a day or so that way you know the charge is racked up even more I'm pretty sure so I finally called and they or give me the runaround run around run around finally told me the name of the company that I could get ahold of to get my personal belongings out of my car because they told me how much it was going to be and I told him they could have it it wasn't worth that to me I called the local tow yards it had my car no answer left a message never got a call back emails more messages nobody ever contacted me now I never saw my car again I never was able to get my personal belongings out of that car my children 's birthday presents were in there my XXXX was in there and to this day I still don't know where my car was or where my personal belongings ended up now I think somebody needs to compensate for the Lost birthday presents and my {$500.00} XXXX I am willing to provide receipts serial numbers whatever anybody needs I'm willing to provide that but somebody needs to be held responsible for the events that took place I could care less about the car I have eight others but a simple fact of my children 's birthday presents and my XXXX were in that car and these people lied through their teeth from day one stating that they had giving me ample notice of an intent to sell and I never got anything when I made a complaint with a XXXX XXXX XXXX they lied to them and told them that it took me eight days to call about my car which is a bunch of XXXX because I have the call logs showing that I called the morning they repossessed my car several times to the corporate office in Ohio and the idiots here in XXXX
|
| 10/27/2022 |
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 |
|
|
XXXX XXXX has continued to make contact with me via mail after I have asked them to cease and desist any communication with me. This is a direct violation of the FDCPA. Communication is defined as conveying information regarding a debt directly or indirectly to any person through any medium. I never asked XXXX XXXX to obtain copies of any contract or related documents and mail them to me, I have never asked for validation or verification of this alleged debt.
This company is making an effort to collect off of an extension of credit by extortionate means by furnishing negative information to my credit report in an effort to coerce payment from me, 18 USC 894. My social security number was used in connection with this transaction and I am aware that my SSN belongs to the Social Security Administration. Anything obtained with that number is the obligation of the United States. Being that XXXX XXXX is attempting to collect this alleged debt makes you guilty and in violation of the false claims act ( FCA ) 31 USC 3729-3733. In accordance with USC 15 1641, civil action can be brought against an assignee of a creditor. By XXXX XXXX continuing to make false claims that I am obligated to pay a debt and ruining my credit, you will be held civilly liable for tarnishing my credit reputation. I have never signed any paperwork with XXXX XXXX stating that I ever agreed to pay them anything. Whether this alleged debt was assigned to them or not does not make me liable to pay XXXX XXXX for something I never agreed to pay them. This company has used my personal and private information and has furnished this to credit reporting agencies which they never had my consent, written or otherwise to do. I DID NOT AND DO NOT CONSENT to this company furnishing this information to my consumer report. This by definition is considered identity theft 18 USC 1028A. They are also using my personal identifying information to try to collect an extension of credit by reporting my stolen information to a credit reporting agency to receive payment for an account that I never had with them. This is fraudulent and unlawful in nature. Any continued negative reporting of this account will result in legal action in Federal Court. XXXX XXXX has 15 days to delete the negative reporting or they will be sued for Defamation and for not complying with the FDCPA or FCRA. In addition, I will also be reporting this company to the FTC for aggravated identity theft and fraud.
|
| 01/10/2023 |
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 |
|
|
Pursuant to notice sent by XXXX regarding Speedy Cash. Neither financial institution were given consent by the XXXX XXXX XXXX to run credit check because theres no such thing as credit check nor were there any consent to have third party non affiliates involved in private consumer transactions. If any employees from the Corporations disagree than proof must be provided. Speedy cash conspired with XXXX to extort funds from the XXXX XXXX XXXX regarding security interest in the financial instrument and yet theres no wet ink signature signed by the XXXX XXXX XXXX regarding funds being given away or split between these corporations which are owed to him. Employees of Speedy cash has failed to validate any obligations via email in writing and yet employees of Speedy Cash are willfully and knowingly violating 15 U.S.C. 1692d ( 5 ) -causing a telephone to ring or engaging any ( person ) in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. Employees at Speedy Cash are in violation of 15 U.S.C 1692e-false and misleading representation because banks or financial institution do not loan out or any assets of its depositors, employees of these financial institutions only buy and sell securities. Therefore Speedy Cash Employees were asked to validate in writing any such obligations but most importantly they have not specified the Language theyre implemented, XXXX XXXX, XXXX XXXX Manual or XXXX XXXX XXXX. XXXX XXXX. XXXX prohibits so called debt XXXX from using unfair or unconscionable means to collect or attempt to collect any debt. ( 8 ) using any language or symbol when communicating with an alleged consumer by use of mails or by telegram.
Therefore Speedy Cash is required to specify what specie of money granted, what specie of money are they demanding to be paid, who are they demanding to pay an obligation pursuant to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has an obligation been breached by way of the Truth and Lending Act Regulation Z and provide the definition of the word Bill. Also XXXX Employees admitted that they act as trustee in regards to the Social Security Card, Name and Account Number yet they have not provided the contractual obligation/personal responsibility contract where they were assigned trustee for the beneficiary. If they are creating XXXX on the XXXX XXXX XXXX then whos pretending to be the Trustee?
|
| 08/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
On XX/XX/2023 i went inside the speedy cash pay loan day to pay XXXX cash and i did NOT got the loan back. I was going on vacation on XX/XX/2023. So decided to pay the loan off. On XX/XX/2023. They withdraw another XXXX of my account i contacted them on my vacation time arguing the issue. Yes, i did made a, mistake of not getting the received. As, i told the manager you should see the camera and see that i pay that the the full loan and not re load. i have been fighting this for a while. i have visit other payday an it look that we have a few employee that do take your money but DO NOT process the information of the payment and keeping the money. Now i explain to my back. The bank has the information that i withdraw XXXX on that day. Like i told my bank, after i withdraw the money around XXXX to XXXX minutes i when to pay speed cash advance right behind their office. i pay my load and theXXXX XXXX and they double charge and dont want to look at the camera to confirm what happened. There's some people that go to re-load their card and the clerk don't load the card. They have been stealing money for customers. The clerk that did my stealing, i go there and she smile at the situation and the other guy XXXX XXXX ones i walk in. Please i work so hard for my money to pay them and they want to steal my money. I lost time, gas, been under stress and health issues behind this people. please make sure that you request does video if they not erase those videos already. The manager she said her name was XXXX she give phone numbers to call but no good numbers. She was so rude she told me for me to go to a website and look for the video on that day. I told her you should look at them you have access. She said for me to do it. She also said that she wasn going to blame her worker. Like i told her i been coming here for a while if you didnt took my extra money i would not be fighting. I told her that they need to stop doing this things to their good customers. I say they don't fight but i did pay on the XXXX XXXX and i need the money that you withdraw extra from my card. Please help me with this matter .please look at the video. XXXX XXXX approximately between XXXX XXXX to XXXX XXXX you will see me there.
INformation : Speedy cash, XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX Manager XXXX maybe a wrong name too. please contact me regard this matter.
XXXX XXXX XXXX
|
| 10/18/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I recently received my XXXX credit report which delineated an account that was unverifiable in XXXX, when I first disputed it ; however, the item was re-reported in XXXX, by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : the item reported by XXXX to XXXX is a {$300.00} collection account called Speedy Cash. I was made aware of the reporting of XXXX, XX/XX/XXXX, when I requested my credit reports from the XXXX CRAs. XXXX has never attempted to contact me.
XXXX, ( XXXX XXXX XXXX ), has reported the account, which is also found on my XXXX and XXXX XXXX reports, as a Closed account, Retail, in CRA terminology, at XXXX.
XXXX claims a Date Loss reported of XX/XX/XXXX, and XXXX XXXX reports the Date of loss as XX/XX/XXXX. NCAs reporting of the item, Speedy Cash {$300.00}, violates the statute of limitations for reporting derogatory accounts : XXXX is reporting a XXXX year old negative item, for 17 years at XXXX, by classifying it as Closed.
The same item is being reported differently at all CRAs, by XXXX. However, it appears that XXXX is a reporting, not collection agency, for they have not, to this date, billed me in any manner.
XXXX maliciously placed this item, Speedy Cash, in the Closed status at XXXX, so as to violate this consumer, and report the unverifiable Speedy Cash, for 17 years.
Further, XXXX violated FDCPA 608., when I telephoned them @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and spoke with XXXX representative XXXX XXXX I asked her to send proof of the debt, the original creditors address, and phone number for the creditor ; she, ( XXXX XXXX XXXX hasnt responded in 15 days by mail or otherwise ; I believe she has 5 days to respond to a consumer, according to the FDCPA. XXXX has ignored the request, and therefore has no valid debt to report, or to collect.
In conclusion, this complaint is asking that the FTC fine, for punitive damages, in the amount of {$1000.00} per violation, verified, delineated and described, above, from XXXX for misreporting to the CRA ( XXXX violations ), and violating the FDCPA ( 2 ), or a total fine of {$5000.00}.
Sincerely yours, XXXX XXXX XXXX.
Enclosed : ID Verification, SS card, Bank Statetment, Voter ID, Drivers License
|
| 05/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
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My name is XXXX XXXX and im contacting you because california check cashing is a check cashing store here in XXXX cal and i use to cash my checks there at this store until one day i went in there to get a print out of all the check that was cashed there because i was having a problem with checks being stolen out of my mail box well i got the print out from the california check cashing store and i noticed there was a check that said child support bye it well i new that i had never cashed a check there from child support i new i had never cashed one there so i asked XXXX she was the supervisor at the time and i asked her why was this check on here under my account she said she didnt know she was not the one that cashed it it was one of the other girls that work there and i told her i did not cash this check here so that means someone is coming in here and cashing my checks i asked her to please do not cash any more checks under my name she said she will make sure they dont well two weeks had passed and i went back in there to get another print out well the first time i went in there it was only one page of checks when i went in there again it was two pages of checks i was very up set when i seen the list i asked XXXX why are you still cashing checks under my name she tryed to tell me it was me i new it wasnt me becasue i hadnt got any checks to cash because they where all being stolen out of my mail box i have tryed to talk to them and they dont want to lission well i know i didnt cash thoses checks and i got copys of them and there are finger prints on them and i told the supervisor that i know im not the one that cashed thoses checks the amount of thoses comes out to {$45000.00} dollars so thats why im contacting you because this check cashing store do not ask for no id every time i went it to cash a check all i had to have was a phone number and thats what they went off of was a phone number thats how people where able to cash other peoples checks if you new the phone number to someones account them they could cash there checks and thats not how things should be this check cashing store should always ask for california id always the address is XXXX XXXX XXXX XXXX XXXX cal XXXX XXXX ) XXXX supervisor is XXXX
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| 06/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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|
Web |
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On XX/XX/2022, I contacted Cash Central and made a payment in the amount of {$140.00} to my account, using my debit card. The payment was completed and approved by the CSR from Cash Central ( she was VERY nice ). After we spoke, I checked my checking account and the payment debit was pending.
On XX/XX/2022, I received a notification that the payment of {$140.00} was debited from my account and payment was successful.
On XX/XX/2022 at XXXX, I received an email ( included in attachments ) from Cash Central stated that they were trying to contact me to make a payment on my account. I immediately contacted Cash Central and spoke with a lady was NOT helpful, unprofessional rude and very dismissive. I explained to her that I received an email in regards to my account and that my payment was not received. She placed me on a brief hold, and when she returned she stated that the payment made on XX/XX/XXXX " bounced '' and was not posted to my account. I explained to her, throughly, that the payment was NOT returned or revoked, and it completely cleared through my bank. She continued to REPEAT the same exact statement that she originally stated, so I proceeded to ask tell her that I wanted to speak to a supervisor. She then hung up the phone ( YES, HUNG UP ). I called her back and told her that she hung up and how rude and unprofessional she was being. She then proceeded to tell me to email customer service a copy of the bank debit that shows that the payment went through. I told her that every time I email Customer Service, I don't receive a response back and it's just a waste of time. I then asked her if she could provide me with a Supervisor or Manager email address. She then put me on hold and NEVER returned.
When I hung up, I immediately contacted my bank ( XXXX XXXX XXXX ) and explained to them what the issue was and if they could verify that the payment was either returned or revoked. The gentlemen stated the payment in the amount of {$140.00} WAS NOT returned or revoked and it cleared XX/XX/2022.
Cash Central is the absolute WORST!!! There customer service is HORRIBLE and every time I call, the calls are handled unprofessionally and my situations are NEVER handled.
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| 12/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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Applied for loan on XX/XX/2023 but was unaware that the inquiry didnt accompany approval because I was already approved for XXXX post submitting ssn but was left pending for docs that werent specified beforehand so i contacted supervisor XXXX and said Id like to rescind my application if I can have it sent over with the necessary rescission disclosures as non were provided nor discussed at time of applying. I will be notifying the IRS for tax purposes upon the event that the application can not be returned to the beneficial owner of all titles, rights, and interest that came as profit out of the transaction in the form of credits or federal reserve notes I demand it all returned as it is unearned interest due back to the principal IMMEDIATELY. I have proof that a transaction occurred per my consumer report so I will also be forwarding this correspondence to the CFPB, FTC, and SEC in the event we can not reach an amicable resolution. I only Will correspond via email or us postal service certified mail when addressing this matter so that I have record of me coming with clean hands and in good faith in the even of your company defaulting or acquiescing. Application can be mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX if no application arrives within ( 5 ) days you tacitly agree to a near future lawsuit as me being the awarded plaintiff for whatever damages the law provides as well as an and out of court separate settlement due immediately in the amount on the face of the instrument times 3 in the form of a wire transfer. And the company that ran my report was not the company that I was in negotiations with and they forwarded over all of my property which 15 usc 1681 states the consumer has the right to privacy. Informed supervisor XXXX that all correspondence will be forwarded to the proper authorities for paper trail to legal actions because now it has become theft because they wont return the property or return the proceeds from The transaction per 12 usc 412. No lawful consideration was performed on behalf of speedy cash which tried to convince me that my application was still in review after my credit was already strong-armed and secured.
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| 06/13/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I have been receiving phone calls from XXXX XXXX XXXX, who claim to be acting on the behalf of CheckSmart, since XX/XX/XXXX. They said that they were hired by the company to settle a debt from XXXX, before it'd go to court for me to be sued for the amount supposedly owed.
In the several phone calls that I have received and answered, I was told that the creditor had taken this matter court and that I would be prosecuted for fraud if I didn't settle. When I heard the representative say that it was taken to court, I asked where, and was told in Ohio. I asked for the claim number and was then told that it Could be taken to court but that it hadn't yet, and that the only way to stop that from happening was to pay the debt.
In every single phone call I disputed the validity of the debt and requested verification, ON SEVERAL OCCASSIONS FROM SEVERAL REPRESENTATIVES. In a conversation with a XXXX, who claimed to be the manager, I asked to be sent the verification via email, and instead, on XX/XX/XXXX, I was sent a link of a PDF letter that again claimed a debt was owed, with no actual verification of the debt provided. The most recent call with the same manager, XXXX, I once again requested the same verification as from before. This time he told me that he didn't have that verification, and that the creditor he was collecting debt for hadn't given it to him either, so there was nothing that he could send to me about it. I then asked from what was he was basing his collection of debt from, and he tried explaining to me how debt purchasing goes between a creditor and a collection agency like his.
I became irate at the fact that this company, XXXX, and its representatives had been calling me for months, multiple times a day, making claims of fraud and threatening to sue me in court, were doing so without having the verification of the debt they were referring to in the first place.
Nothing, so far, has hit my credit profile, and aside from the link to their portal to make payments, nothing has been to sent any of my addresses ( email or physical ) as it relates to this supposed debt owed either.
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| 06/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
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This complaint is in regards to Cash Central. On XX/XX/2022, I contacted Customer Service and requested for my bank account to be changed. The young lady stated that I needed to send them a recent bank statement along with the routing number and they will update it.
I sent them the bank statement and routing number within minutes of speaking to the young lady. When I sent the email, I stated Good morning. Please find the enclosed bank statement for my new bank account. Please update ASAP. The original bank account is CLOSED. Thank you ( Ive enclosed a copy of the email.
According to Cash Central, To ensure your loan payment is debited from your new checking account, your bank account information must be verified and updated before XXXX XXXX EST the banking day before your due date. You can change your account information by contacting one of our customer service representatives who will be happy to assist you per their website.
My payment was due XX/XX/3022 so I gave them more than a day to update my bank account information.
XX/XX/2022, I received an email from CC stating Thank you for your email. Your bank statement has been received. For further assistance on your account, please give us a call at XXXX. One of our agents will be happy to help you.
When I went online to check, the checking account had not been changed.
XX/XX/2022, I received an alert that CC had debuted the OLD account and it went through BUT because that account is closed, I was charged an insufficient fee of {$30.00}.
I immediately contacted CC and the gentleman I spoke with was ABSOLUTELY NO HELP. He didnt know what he was doing and all he said was to email the bank notice that showed the payment and NSF fee and they will take care of it.
I sent an email to XXXX and XXXX explaining to them what they had done after Id given them adequate notice and they SHOULD NOT have taken any money out that account. I havent heard from CC as of today and my bank account still has not been updated!! I HATE CC!! Theyre unprofessional, incompetent and should not be in business.
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| 07/29/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
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|
Web |
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I applied for a payday advance loan in person at speedy cash. I never was given the full loan payment term to pay back the loans that i requested. I was always charged XXXX dollars in late fees when i wasnt late to my checking account the loans were always to my account before the due dates and after the due dates.
Speedy cash charged me for XXXX payday loans amounting at XXXX XXXX and XXXX dollars i contacted customer service through email regarding the errors XXXX XXXX did not respond to my emails. XXXX XXXX continued to charge my clear access bank account with wells fargo numerous amounts of times overdrawing my account over XXXX XXXX and XXXX dollars i receive ssi payments from the social security XXXX and am exempt from having payday loans default when they were paid residing in california the law states a loan company can not advance more than XXXX loan at the same time which XXXX XXXX violated that law and my rights as a consumer XXXX exempt from having charges sent to collections also this affects my XXXX XXXX however the amount of loans i took out and paid back were not reported to the credit bureaus like it stated to raise my XXXX XXXX either. My XXXX XXXX dropped XXXX XXXX charged me for a loan in XXXX XXXX in error and refused to correct their mistake which i ended up having to pay in full to cure my checking account negative balance. My account was charged the loans were removed from my XXXX XXXX profile but i have screenshots of the errors that now seem to not exist. i called the XXXX number and was told by the automated system they have no record of my account ever existing with XXXX XXXX. I need my money refunded including late fee charges i was charged in error and my accurate payments to be reported to the credit bureaus honestly and those defaults removed from my credit report and also i do not consent to an unknown collection agency having my personal infornation nor was i ever served a court order for the money to be removed out of my account either.
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| 09/05/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
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Dear Consumer Financial Protection Bureau, On XX/XX/2023 I was contacted by an agency threatening to sue and garnish my wages. I am writing to file a formal complaint against the debt collection agency XXXX XXXX regarding their egregious violations of consumer protection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), as outlined in Title 15 of the U.S. Code, Sections 1692e, 1692d ( 1 ), and 1692d ( 2 ).
1. False Representation of Debt ( FDCPA Section 1692e ) : I have been subjected to misleading and false statements by an employee of XXXX XXXX named XXXX. XXXX falsely claimed that my wages would be garnished, and additional actions would be taken against me if I did not immediately pay a debt. Such deceptive tactics directly contravene FDCPA Section 1692e, which prohibits false representation of debt.
XXXX. Harassment and Unfair Practices ( FDCPA Sections 1692d ( 1 ) and 1692d ( 2 ) ) : Despite the debt in question being over XXXX years old, and thus outside the statute of limitations in the state of Texas, XXXX and XXXX XXXX have engaged in relentless and intimidating communication, amounting to harassment. This behavior is in direct violation of FDCPA Sections 1692d ( 1 ) and 1692d ( 2 ), which prohibit harassment and unfair practices.
I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into the actions of XXXX XXXX and take appropriate measures to ensure they comply with the FDCPA and other relevant consumer protection laws.
Furthermore, I urge you to take action to protect consumers from the deceptive and intimidating practices that I and potentially others have experienced at the hands of this agency. These actions not only harm individuals but also undermine the integrity of fair debt collection practices.
Thank you for your prompt attention to this matter. I look forward to a resolution that upholds consumer rights and holds XXXX XXXX accountable for their violations.
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| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.
Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.
Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.
Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes.
ONLY : XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA.
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified.
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE.
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX
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| 11/30/2022 |
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 |
|
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This company has never been given consent by me to communicate with me regarding an alleged debt, nor to furnish information to my consumer report. Doing so, without my consent is an infringement upon my privacy and a direct violation of federal laws. 15 USC 1692c ( a ) as well as 15 USC 1681b ( 2 ). I am demanding that this company delete this account from my consumer report and Cease and Desist any and all communication with me as it relates to the collection of any alleged debt ( s ) by/through all means except for the United States Post Office .
No consent is identity theft. I will also be filing a complaint with my states attorney general, Kansas 's state attorney general, the XXXX XXXX XXXX and the Federal Trade Commission.
15 USC 6802 - Obligations with respect to disclosures of personal information ( 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 ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
This company violated my rights by not clearly and conspicuously providing me with the proper notices and information that would have allowed me to opt-out of having my non-public personal information shared with non-affiliated third parties such as XXXX, XXXX and XXXX. There has been a breach of duty, thus causing injury, embarrassment, shame and loss of both personal and business opportunities.
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| 08/29/2022 |
Yes |
- Debt collection
- Payday loan 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 |
|
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First a gentleman called saying he was a lawyer on behalf of the company and that i was in default with loan i said i already reached out to them and let them know im going through a rough patch was in the hospital lost my job just started working back, he said he wanted me to pay him on XX/XX/XXXX. I called speedy cash they said to report because this email is not coming from them. The number he calls from is XXXX or XXXX XXXX he says his name is XXXX XXXX XXXX Please see email below : Arrest Warrant XXXX XXXX XXXX SPEEDY CASH XXXX Fri, XX/XX/XXXX, XXXX AM ( 3 days ago ) to me We are talking about the creditor XXXX XXXX XXXX XXXX XXXX XXXX, is a parent company which owns and operates more than XXXX parental payday loan websites like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX PAYDAY LOANS, SPEEDY CASH, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX you applied from one of our website and you never bothered to pay this debt, so the creditor wants to know your intentions about this matter of yours that what would you like to do. They do have a signed copy of the contract which is signed under your e-mail address XXXX, also would like to mention your computer 's IP address was also traced when you were signing the contract with the company. The money was successfully deposited into your bank account.
We have a settlement amount for you, if you will make the payment of {$450.00} by today, XX/XX/22 then we can close your file at this amount only. Once the full and final payment is received a receipt will be sent to you stating that your outstanding debt is paid in full.
Kindly let us know are you willing to resolve this matter out of the court house or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Do reply ASAP.
Yours sincerely, XXXX XXXX.
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| 06/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
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I received a call about a debt from over 6 years ago. I do not recall the debt. The man on the phone gave me a company name " Buckeye Lending Solutions '' and I said I didn't know it and would it be under something else. He said " I don't know. Maybe checksmart or XXXX. '' He told me they were filing suit the next day if I didn't pay {$1300.00} but if I settled that day, they would expect half payment in full ( {$680.00} ). I asked him to send me proof or information and he said that he would email me confirmation after my payment cleared.
I said I didn't have that until I get paid ( 3 days later ) He said that was fine but that he had to have a card number to approve it. I, regretfully, gave him my debit card information over the phone.
I received a call from him 2 days later, reminding me of my payment. I then received another call on my payday, saying the charge didn't go through. My job switched payroll companies and our payday got changed. I was unaware but told him he could put it through the next day. He called me the next day 5 times in 1.5 hours saying my payment didn't clear again - even though I told him I was scrubbed in at work and unable to have my phone until I went to lunch between 11-1.
I called my bank and they had no attempted charges try to go through. He has called me again today but I believe this is a scam.
I don't recall the debt, but it was a long time ago. He would not provide me with any proof, though I asked. He has harassed me at this point -11 calls! Then I XXXX the " law firm '' ( XXXX and XXXX ) and XXXX said it was just indexed in XXXX of XXXX - 5 months ago! There is not much information on the website expect what types of debt they handle and one phone number- which just happens to be the only number he gave me or calls from. I have proof of my assumptions. I canceled my bank card but I don't know if this is really a debt I owe.
|
| 10/20/2023 |
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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XX/XX/XXXX I applied and was approved for speedy cash XXXX loan with a women by the name of XXXX XXXX. I have emails and voice mails. I paid XXXX for the approval application and then XXXX for the taxs for the loan. The loan was promised and approved and said to be in my bank no later then the next morning and it wasn't after several phone calls and email XXXX was more then overly rude and aggravated to deal with me finally came up with XXXX XXXX unsecured put my loan on hold supposedly because in XXXX XXXX there was a pay day loan in XXXX taken out from them which is most definitely not true I've had a soft and hard credit report done and I know I never pulled a loan out till my brother passing and expenses getting behind in XX/XX/XXXX which was not through this place and name XXXX XXXX which I've never heard of or even after being approved paying money I had to borrow to get the loan inn first place I still have not received loan nor returned the money which was promised to be 60 days after it would be released. XXXX XXXX lied and was never a company set by its word nor have I been taken seriously I've sat on hold for an hour and 15 mins several times plus many different amounts of times just to be hung op on told they have no loan for me or even the place with the hold there's no actual talking to a person and I have yet to receive a call plus also been hung up on there's no loan account number nor any information besides made up stuff so I've paid money for a loan and never received the loan nor my money back ans can't seem to get any answers or feedback or money back. I have emails voicemails and all the info I wrote down as being told. So they say I pay XXXX to XXXX XXXX unsecured loans and I'll get my speedy cash loan after already paying XXXX and XXXX and no answers no loan and all but the truth and taken advantage of.
|
| 07/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
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Hello, I had a compliance XXXX call my employer and left my employer a voicemail telling them I need to resolve an issue and to call another number immediately. When I called the phone number, ( XXXX ) XXXX, a man named XXXX informed me that he is working for a mediation law firm called XXXX and that I owe an outstanding balance from a previous loan I took out last year and if I fail to resolve it as soon as possible, I will have to pay XXXX times the amount owed and they would be taking me to court. He mentioned the name of the check cashing place I received the loan from and had my personal information like my addresses, email, and employer information. Out of fear, I paid XXXX {$150.00} on XX/XX/2022 at XXXX am and was put on a payment plan and was scheduled to pay that same amount again on XX/XX/2022. I gave XXXX my credit card information thinking I was paying off the loan I took out a year ago. He also mentioned to me that XXXX had sold my information and I have been in collection for awhile now and my information has been passed around to different collection agencies since I failed to pay on the due date. I called XXXX XXXX and they said that they did not receive any payment from me and it was most likely fraud. They also swore to me that they did not sell any of my information but somehow XXXX had all my personal information as well as the date I took out the loan. I am absolutely horrified at the lengths people will go and feel incredibly stupid for even taking out a loan in the first place. Please do not ever take out a loan from XXXX XXXX or California XXXX XXXX XXXX. Your information is NOT private. They will take advantage of people in poor situations. Learn from me. Make sure you are paying the right person. Always pay the actual creditor and ask for a written debt validation.
|
| 02/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
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|
I was initially looking for a loan to pay off my medical debt and other expenses so I applied online. Then a man claiming to be from speedy cash called me saying I was approved for the loan amount he said his name was XXXX. I checked online to see if speedy cash was a scam or a legitimate company it said the company was legitimate. He sent me a loan application to to sign on the speedy cash letterhead with correct grammar and language. I signed and dated it as well as sent a picture of my drivers license like he requested. He said in order to receive the loan amount of XXXX I needed tp first purchase a prepaid gift card at my local XXXX with XXXX $ on it and then send him the gift card information then they would send the money back tp me along with the loan account via my bank account information. He said because of my bad credit that would make it look like I had already paid off a loan with them and therefore they would be willing to loan me a greater amount. So I initially loaded a XXXX gift card with XXXX $ dollars and sent him that gift card information. He said it wouldnt work because the care had to be worth the exact amount of the loan which was {$290.00}. I proceeded to repeat the processs with the correct amount on the card. After which he returned the XXXX to my bank account assuring me the XXXX would come later that night. This was on XXXX night. I assumed because of the weekend and the bank holiday the payment hadnt processed yet. But when I tried calling his direct line back no answer. So I called speedy cash directly. They has no record of an application or loan and informed me it was a scam so now I am reporting it to the appropriate authorities. This man has my drivers license and bank information and Im terrified of what he will do with it. Please help.
|
| 10/06/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On or about XXXX my, now wife ( not my wife at the time ) took a personal loan out with speedy cash in the amount of {$1000.00}. Yes was unable to pay the debt and they received a judgement in the amount of XXXX in XXXX ( approx XXXX for the amount owed and XXXX in attorney fees with XXXX percent post judgement interest. In XXXX the company hired an attorney XXXX XXXX. She collected XXXX of the principle balance and which was applied to he underlying debt. Towards the end of XXXX requested my wife call to settle the matter we offered XXXXthe balance of what was owed with attorney fees and XXXX XXXX refused to discuss the matter and informed her she owed XXXX. This is unreasonable in any circumstance.
Last week this individual garnished my checking that I put my wife 's name on for XXXX. Which I have no idea where she came up with the amount. I have been calling for the last week and a half and she has not answered, returned a call or responded via email. She has sent no verification of debt or anything within 5 business days that expanded to me my rights and what is exempt and or not exempt by law.
My bank has also reached out to her and she has not responded to them. We have also reached out to the court to get her to respond. It is unfair for a {$1000.00} debt to become a {$4500.00} item ( XXXX plus the XXXX she has already collected ). It is unfair for an agent of a company to misrepresent the amount of the debt and to freeze accounts especially when you have children to feed and bills to pay. She has provided no back up showing how it is possible for XXXX in debt to become XXXX in debt.
And she has been avoiding the conversation and unduly causing harm and stress in a matter.
|
| 03/05/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
To : Loan by Phone Date : XX/XX/XXXX From : XXXX XXXX. XXXX Subject : Fraud account dispute and identity theft Summary : recently XXXX XXXX turned over an account to XXXX XXXX XXXX that your company transacted in XXXX using my stolen identity information.
Th details provided by follows : XXXX XXXX turned over an account with my stolen credentials associated with it for a overdue payment of balance of {$780.00} from a Loan by Phone payday loan from XXXX for the amount of {$600.00} to a collection company XXXX XXXX XXXX.
This loan was obtained by someone other than me from your company and money sent to an account at XXXX XXXX with the account number ending in XXXX.
The account ending with XXXX is at XXXX XXXX XXXX not my account. I do not do business with XXXX XXXX.
Details supplied by XXXX XXXX about this transaction.
This account was placed with XXXX for collection by the current creditor, XXXX XXXX, XXXX, on XX/XX/XXXX, with a balance of {$780.00}. This balance is related to a payday loan originally obtained with Loan By Phone d/b/a Check Into Cash, on XX/XX/XXXX. According to the details provided by the creditor, the proceeds to this account ( {$600.00} ) were deposited into a XXXX XXXX XXXX Bank account ending in XXXX.
Actions Taken : 1. I have filed a police report with the XXXX XXXX XXXX XXXX in XXXX OH for identity theft.
2. I have filed a complaint with the Federal Trade Commission 3. I have filed a complaint with the XXXX XXXX XXXX.
4. I have filed disputes with the Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.
I sent this email to you in hopes of finally getting this resolved.
Sincerely, XXXX XXXX. XXXX XXXX SSN : ending XXXX XXXX XXXX
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| 03/13/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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Speedy Cash Payday Loan : XXXX Under 15 USC 1692a ( 5 ) ( 6 ) ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.
( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.
This is to validate that Speedy Cash is acting as a debt collector attempting to collect a debt.
Violation of 15 USC 1692e ( 2 ) ( a ) A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or Speedy Cash in direct violation of this law by stating I owe a late payment total of {$310.00} when the principal amount loaned was {$250.00}. Please see attachment for proof of evidence.
Violation 15 USC 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt.
After the initial attempt to withdraw from my bank account the amount of {$300.00}, Speedy Cash has emailed me and called me with a payment due date and a payment of {$310.00} that is due on that due date. These are false and misleading practices that are in direct violation of the laws listed in the FDCPA.
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| 02/12/2023 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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This debt collector is XXXX. They started off by calling my parents nonstop. My father has the same name as me since I'm a XXXX. So they kept calling my dad telling him he owed them for a debt. Until eventually they gave him my social security number and realized he was the wrong person. This Thursday I was with my dad when they called him again twice, then immediately called my phone XXXX in a row from a different number. My father has already told them he is not the XXXX XXXX theyre looking for since it's not his social security number. But they keep calling him everyday nonstop to pressure him to have me call them. So they called both of us Thursday non stop until I finally answered. I was in court when they called. I told them I was in court and couldn't speak and their response was- " Are you at the XXXX XXXX XXXX? Were on our way there right not to file fraud charges on you. The company checksmart has evidence that you've intentionally defrauded their company and they're seeking a judgment. So we're on our way to you at the courthouse right now we'll see you there ''. So they're telling me they're coming to were I'm at, and that they're going to file fraud charges on me, and they're calling me and my parents non stop while we're at work, and threatening both of us. I've never in my life seem a debt collector act like this, knowingly calling my parents after my parents told them to stop, just to put pressure on me. And threatening to come to we're I'm at, and threatening to press charges on me. And this is for a debt they claim is from 2012. The Fair Debt Collection Practices Act prohibits this behavior. Especially since they're calling non stop, to both myself and my parents
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| 10/13/2023 |
Yes |
- Debt collection
- Payday loan debt
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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 hope this message finds you well. I am writing to bring to your attention a critical matter regarding identity theft that I have been grappling with. Despite initiating a freeze on my account in the past, I am experiencing persistent issues, including the unauthorized creation of loans under my name.
I am writing to bring to your attention a case of identity theft that has greatly impacted my financial well-being. I recently discovered unauthorized activities on my credit report through XXXX XXXX, specifically a loan from Speedy Cash that I did not apply for.
The identity theft traces back to an incident at an extended living company in XXXX XXXX, Texas, where my personal information was compromised in XXXX. Despite the individuals responsible being terminated, I was not provided with any information about the breach at that time.
In addition to the fraudulent loan, I have received emails from various loan companies regarding accounts that I did not create. This ongoing issue has been adversely affecting my credit and financial stability since XXXX.
Unfortunately, I do not have supporting documents for the Speedy Cash loan as I never applied for it. I am reaching out to the CFPB to request assistance in investigating and resolving this matter promptly.
I understand the severity of identity theft and its potential long-term consequences. I kindly request your support in addressing this issue, freezing my credit, and taking any necessary steps to rectify the fraudulent activities associated with my identity.
Thank you for your prompt attention to this matter. I appreciate your assistance in helping me navigate through the challenges posed by this identity theft.
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| 02/04/2023 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I was contacted On XXXX, and XXXX by a XXXX regarding a debt. He claims they have sent multiple letters in the mail and have called multiple times. Ive lived in the same place for seven years and I havent recommend any letters and the calls just started XXXX. I was told I was being hostile on each occasion and hung up on. I asked the first two times. What is this regarding and they didnt wish to state anything further than wanting to know my social security number and address. Today XXXX I spoke with four different people. An each were very hostile as I tried to explain. I wanted to verify the debt. I asked for a debt verification letter. I was told they would not provide one and I was informed they would mark me as being hostile and unwilling to take care of the debt. I asked the company name and was told XXXX XXXX XXXX. I asked regarding there location and was told they will not disclose it because there are a lot of crazy people out there. So I asked how do I know this is a real debt and Im not being scammed? Asked if the call was being recorded because it was not stated. I was hung up on for the third time and a guy answered and stated his name was XXXX. I said thats mighty fun when you sound alot like XXXX that left me two voicemails that are identical. He told me all I want to do is argue and they will see me in court. An hung up on me. The numbers I call and was given is XXXX and XXXX. Both numbers ring for awhile before someone answers. Nothing about the calls suggests debt collectors. They keep suggesting filing a lawsuit against me even though I dont know who they are nor what the debt is regarding or if its legitimate because they refuse to answer any questions.
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| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Tuesday XX/XX/XXXX I the Secured party creditor sent a letter certified mail which contained a proof of contract request between the secured party and the president " XXXX XXXX '' of speed loan company making these commercial claims against me. " Without prejudice ''. If one cant provide the information within 30 days they must by law remove the derogatory mark. " XXXX '' my rights are governed under this law. Now following my due dilligence I have made a report to identitytheft.gov to report the theft of this debt collector making these claims that I the good faith creditor blood and flesh owe a debt in the United States of America. Next I have come to the CFPB because by law this collector has violated my rights. Furthermore this collector was place on my credit without my written permission. 15 usc 1681b under this title and section my rights are governed. Also this collector is in vioation of 15 usc 1681n Civil liability for willful noncompliance. Which states ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
I never authorized this consumer transaction and i never authorized the furnishing of this this transaction.
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| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I received an alert from XXXX on XX/XX/XXXX, notifying me of a hard inquiry from Cash Central, which resulted in a credit score drop of XXXX points. I did not authorize a credit pull from this company nor any company near or on XX/XX/XXXX. On XX/XX/XXXX, at XXXX XXXX, I contacted Cash Central from the number listed for them on my XXXX credit report ( XXXX ), and spoke with three different people for a total of XXXX XXXX ( the majority of those minutes spent on hold ). During the call, I asked why my credit pulled without my authorization. I was told I could dispute the pull with XXXX to which I continued to ask why it was pulled without my authorization. After the final transfer to the third person, I was told because I had an account with them back in XXXX ( don't recall that, but that one is for me to investigate ), it authorized them to do hard pulls whenever they wanted. This practice seems not only un-ethical but illegal, which is why I'm filing this complaint. I would like Cash Central to remove the hard credit inquiry. On XX/XX/XXXX, at XXXX XXXX, I contacted XXXX to file a dispute and spoke with two different people for a total of XXXX XXXX ( the majority of those minutes also spent on hold ), but was told because Cash Central did this in error, there was nothing they could do, and I had to contact Cash Central to remove the hard inquiry. I'm at a loss of next steps as each company is telling me to resolve it with the other company, and I just want the hard inquiry removed. I'm in the process of repairing my credit, and unauthorized inquiries like these only make it harder for US consumers like myself, forcing us to pay higher interest rates.
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| 02/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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I filed bankruptcy in WA state in XXXX, it included medical debt and payday loans. Today XXXX I received a call from a past employer stating a collection company contacted them asking for my income data as they want to garnish wages. They called to let me know, I called the company XXXX XXXX XXXX XXXX XXXX. XXXX XXXX proceeded to tell me that CCF Holdings has retained them to sue me for damages in the amount of XXXX. I asked who this was for, it was like pulling teeth he wouldn't give me dates. I asked " was this a pay day loan company '' he said " yes, an installment loan company '' I explained that I filed bankruptcy and included all payday loan companies, he said " well we wouldn't have shown on a credit report so they likely weren't included and you now owe the money '', I said I listed all accounts, I didn't use my credit report to determine who I was including in the bankruptcy. I also mentioned I never used a payday lender since the bankruptcy and that statue of limitations had to have expired by this point. He started yelling at me, telling me I needed to pay that they were coming after me and my wages would be garnished and hung up on me. I typically would think this is a scam and let it go, but because he in fact has contacted my past employer I feel they are trying to get money. I am at a loss as to what to do. I have never heard from them until now 10 years later. Is there anyone that can assist me?
XXXX XXXX ( at the time XXXX XXXX ) XXXX XXXX They would not provide any account information or dates only CCF Holding, an installment payday loan and the amount they are suing me for {$2200.00}
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| 11/20/2023 |
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 |
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I had a payment on XX/XX/XXXX I got an email that the payment didnt go through today XX/XX/XXXX. The amount was {$220.00}. Now the balance is {$590.00}. I am overdrawn in my bank account. And Im trying my best to get that resolved. I am barely making it Im on a fixed income. I called in and spoke with an agent named XXXX. And she told me that Im at risk of going to collections. And to move a payment she needs 50 percent I have had cash Central since XXXX of XXXX I have not missed a payment. This is the first time. I have other expenses to pay I have bills and a roof over my head to pay. Last month I was out of town due to a family emergency it has been difficult to get back on track due to my hours getting cut. I called back and spoke with another man I explained the situation and he asked what I wanted to do. And I asked what options there are because I have no way of paying. He asked if Im able to make a payment in two weeks I said I hope I can and he was very snarky towards me he asked me whats going on I said Im in a hardship and he goes what do you mean by that? He went to make a change in the account and he claimed that he couldnt access my account because another agent was in the account. And it was the previous agent that I spoke to it says my account will be charged off and sent to a 3rd party collection. This is not a fair. And I want to come to a resolution to this matter. This has been very tough time for me. My account is overdrawn and I have no way of making up the missed payment. I want to consider an arrangement or come up with a settlement and not do business with this lender again.
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| 10/12/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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Web |
Servicemember |
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On XX/XX/, My payroll never became available in my account from XXXX XXXX XXXX. When I called the bank, they advised me that a freeze or receivership was placed on the account. They advised me to contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
All I have been given is a notice of Default judgment from the Justice of The Peace in XXXX County Texas from 7 or 8 years ago. There is nothing in these documents from Speedy Cash with my signature or anything showing that I incurred this debt. However, XXXX XXXX has frozen my checking account and savings at XXXX XXXX XXXX, and I can not pay for electricity, pay my bills or get prescriptions from the pharmacy as I am a XXXX XXXX XXXX XXXX XXXX advised me that she is only the receivership and that another law firm got the judgement against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I have contacted that law firm, but so far, no response. I do not owe this debt. I have never been to Speedy Cash, and I believe it to be case of stolen identity. I had an issue about the same time as this where I had to contact the IRS because I received W-2s from a company that I never worked for. I now have to get an IP PIN from the IRS every year to file my taxes. My duly earned payroll is being withheld, and I do not owe this debt. The default judgment was for {$1100.00}. XXXX XXXX states that I owe over XXXX dollars. PLEASE HELP. I have no idea what to do or where to go from here.
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| 04/06/2022 |
Yes |
- Payday loan, title loan, or personal 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 |
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The loan originated on XX/XX/2022 at the Check into cash store in XXXX California at XXXX XXXX XXXX, I had pulled the loan out due to lack of funds due to Covid 19. After realizing that I was still financially impacted by Covid 19, I returned to the Check into cash store at XXXX XXXX XXXX in XXXX CA on XX/XX/2022 to request a payment plan. I had signed a agreement that I would pay {XXXX} a month via ACH transfer Starting XX/XX/2022, until the full amount of {XXXX} would be paid in full by XX/XX/2022.
Between XX/XX/XXXX and the XXXX I received calls from a local number that seemed to trace back to a XXXX XXXX location not a check into cash store, and no voicemails were left. On Tuesday XX/XX/XXXX I checked my bank account to find that the full amount of {$300.00} was charged to my account leaving me negative in my bank balance, I attempted to call the store and received no response. On the Afternoon of the XXXX I went back to the store located at XXXX XXXX XXXX in XXXX, CA and explained that the full amount had been taken out via ACH that morning. I was told in person and signed an agreement that the payment plan would be via ACH transfer, but upon speaking with a representative at the location I was told I had to make the payments in person in order for the payment plan to count, but this not what I agreed to when signing the documents and the representative this afternoon refused to show proof of their claims. This company takes advantage of working XXXX individuals that are just trying to survive by lying to their customers and assuring them of things are simply not true,
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| 06/25/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Can't contact lender or servicer
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Web |
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Speedy Cash employee ( XXXX ) failed to validate the date by producing financial documents and audits of what specie of money they loaned out and what specie of money their requiring to be paid back sense federal reserve notes promissory notes. Theres no law that says debts are owed or that they exist.
Speedy Employee ( s ) failed to admit that any application they produce with only their terms and conditions are in fact fraudulent and are null and void simply because they are adhesion contracts which contains language fraud.
When applications are endorsed by the one whos granting the credits to corporations, employees then take those applications and securitize them only to come back to the grantor whos also the beneficiary of the estate making false and misleading claims that the XXXX XXXX XXXX owes them money. Not only is this fraudulent, deceptive, misleading, unfair, predatory and barbarism but this clearly Violates The Truth in Lending Act.
Also the companys response not only contains inaccurate information but I have the screenshots of that and screenshot of someone from Speedy Cash texting the phone which is unlawful and harassment.
Speedy Cash failed to produce the XXXX tax forms they filed under the all caps legal fiction/principle to offset an alleged debt and are uttering and tendering off counterfeit documents which contain necromancy/dog latin/sign language which not only has no jurisdiction with English and can not be read. When these symbols are coupled on paper with English this renders this document as null and void because everythings removed.
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| 08/08/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX I entered entered into an Installment Loan and Promissory Note ( Promissory Note ) with Speedy Cash, which provided that Defendant would loan {$2900.00} to me at an Annual Percentage Rate ( XXXX ) of 135.67 % ( Subject Loan ) XXXX.
This was not known by me until months later! Speedy cash knowingly and intentionally issuing loans at interest rates that are unconscionable, and objectively unreasonable, in other words Speedy Cash has routinely engaged in unlawful business practices It was too late when I learned Speedy Cash violate Cal.
Fin. C. 22303, as they violate Cal. Civ. Code 1670.5. See De La Torre v.
Cashcall Inc., No. S241434, 2018 Cal. LEXIS 5749, at *43 ( Aug. 13, 2018 ). 22303 and/or Cal. C. 1670.5, Speedy Cash violated Californias Unfair Competition Law, Bus. & Prof. Code 17200, et seq., which provides a cause of action for an unlawful business act or practice perpetrated on consumers.
I suffered actual monetary financial injury not just by falling for their crazy loan terms ( they were advertising EVERYWHERE so I thought they were legit. But also after I could no longer pay the crazy amounts and my debt was sold off.
XXXX XXXX XXXX because new harassers.
But I received an email offering me a one time ever settlement offer : if I paid {$220.00} it would settle my debt.
I borrowed money and my sister paid it so I wouldnt be harassed.
The letters have never stopped! And the negative marks wont be deleted by XXXX, XXXX and XXXX!
Ive been sending letters since XX/XX/XXXX and I have just been ignored for over 24 months.
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| 10/09/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
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Web |
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California Check Cashing store in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i was going to this check cashing store to cash my checks and one day i asked for a print out of the checks that i had cashed and XXXX the supervisor gave me a print out and i looked at the print out and i noticed there where checks and i looked at my edd account because i new i had been missing some edd checks that i never got and the checks that was cashed there i believed where checks from edd so i called up the check cashing store and told them not to cash any more of my checks there because they are stollen checks and the lady XXXX told me they would not cash any checks no more well about two weeks latter i went down to the check cashing store to cash a check and i got another print out and there where more checks on the print out i asked the lady working why are there checks still being cashed under my name and she told me she did not know for me to call the main office so i did and the XXXX XXXX XXXX for me to make a police report and to call her and give her the report number so i did and they would not do nothing i told them they need to please stop cashing checks there under my name and they supervisor had told me that there is a check of mine that bounced there it was a miss understanding the man i was careing for wrote me a check for careing for him and i went an cashed it there and i went and got a letter from the man i was taking care of because the mans nefew was unaware of what was going on so i was told to file this report.
|
| 12/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Can't contact lender or servicer
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Web |
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I have been trying to speak with someone in the fraudulent department of Cash Central for the past couple of months, and I have not been able to speak with anyone. My complaint is in reference to a criminal matter. Cash Central received an application of credit in XXXXXXXX XXXX XXXX under the following names XXXX XXXX and XXXX XXXX from XXXXXXXX XXXX. This loan application included an XXXX account that was opened fraudulently under my name XXXX XXXX. I submitted a complaint regarding that fraudulent XXXXXXXX XXXX Account, and I will attach the complaint and response to this complaint so Cash Central can recognize and confirm that these applications used a fraudulent XXXXXXXX XXXX account that was opened under my name and how I am the victim of these fraudulent applications that have now been turned into a criminal investigation against me. I am extremely upset with Cash Central because of their lack of security for their customers and not verifying bank accounts and the rightful owners are the ones applying for loans, I am now the criminal in this matter when in actuality I am the Victim. I want Cash Central to recognize the GRAVE error they made, and I want an apology and their acknowledgement regarding this matter, and I want Cash Central to make crucial changes in security, identity verifications and bank verifications in real time. This matter will be turned legal if an apology and acknowledgement of their actions are not addressed in a timely matter which is 15 days from the date of my complaint submissions.
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| 11/17/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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I took a paycheck on XX/XX/XXXX to a local XXXX Checksmart to be cashed which it was. I received a phone call on or about XX/XX/XXXX from a XXXX XXXX who says he's from Checksmart and the paycheck was apparently returned. I was a little surprised to hear this but I had wanted to work out a repayment arrangement with them. I have been a long time customer of theirs and in the interest of that relationship I decided to work with them on good faith with no documentation and the understanding that documentation would be following. To date I have received nothing from Checksmart. On XX/XX/XXXX I learned that the check had been resubmitted for payment and had cleared I was also given documentation to that effect which I offered to send to XXXX XXXX, he declined. The calls have not stopped and they are threatening to file criminal complaints against me. I have stated to them that this is an issue on several points. One - the debt has been paid in full, two - I have not received any documentation requested or even a demand letter from Checksmart which is required, three - I could have no knowledge that a paycheck might be returned. I have reiterated these points to Checksmart many times and they continue to engage in unlawful debt collection. XXXX XXXX has refused to provide contact information to send the documentation I have, I have sent the documentation to a generic customer service email address with no response. In addition to this complaint I have filed a complaint with the Ohio Attorney Generals Office
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| 04/28/2023 |
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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On XXXX I received an email fro XXXX XXXX stating to visit the store before my loan can be approved. I was at work at this time and had no knowledge of it. I called at XXXX XXXX on XX/XX/XXXX and XXXX XXXX who then advised me to call law enforcement to report it as fraud. I called XXXX XXXX again and XXXX XXXX who advise me to send her my police report via the email she sent attached with all requirements on XX/XX/XXXX. I received my police report XXXX because it was a corrected one from XX/XX/XXXX that wasn't filled out correctly. On XXXX I called XXXX XXXX and XXXX XXXX and she stated she will send me a relief letter in the mail in 7-10 business days but allow 60 days to be removed from my credit report. I waited until XXXX and called XXXX and XXXX XXXX. She advised me that she see the request to remove the inquiry and to allow 30 days and game me XXXX as a confirmation number. I checked my report on XX/XX/XXXX and the inquiry is still there. I called XXXX at XXXX and XXXX XXXX which told me she see the notes for the inquiry to be deleted but it still show on my credit. Now she tells me she don't see the info that XXXX XXXX sent to them for it to be deleted. I asked for a supervisor and XXXX XXXXXXXX. He advised me that XXXXXXXX XXXX reported again in XXXX and readded admission of inquiry therefore its still on my credit. I have all of the paperwork even the letter from XXXX XXXX. I just want this removed from my credit file. I can prove I was at work and no computer access to even file online.
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| 12/04/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Can't contact lender or servicer
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Web |
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I have been trying to speak with someone in the fraudulent department of Speedy cash for the past couple of months, and I have not been able to speak with anyone. My complaint is in reference to a criminal matter. Speedy cash received an application of credit in XXXX of 2020 under the following names XXXX XXXX and XXXX XXXX from XXXX Texas. This loan application included an XXXX account that was opened fraudulently under my name XXXX XXXX. I submitted a complaint regarding that fraudulent XXXX XXXX Account and I will attach the complaint and response to this complaint so Speedy Cash can recognize and confirm that these applications used a fraudulent XXXX XXXX account that was opened under my name and how I am the victim of these fraudulent applications that have now been turned into a criminal investigation against me. I am extremely upset with Speedy Cash because of their lack of security for their customers and not verifying bank accounts and the rightful owners are the ones applying for loans, I am now the criminal in this matter when in actuality I am the Victim. I want Speedy Cash to recognize the GRAVE error they made and I want an apology and their acknowledgement regarding this matter and I want Speedy Cash to make crucial changes in security, identity verifications and bank verifications in real time. This matter will be turned legal if an apology and acknowledgement of their actions are not addressed in a timely matter which is 15 days from the date of my complaint submissions.
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| 12/14/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Older American |
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I submitted numerous complaints about this situation but XXXX XXXX still not giving a clear path to resolve this matter, XXXX XXXX never properly notified me of this debt due to circumstances I described in past and I repeat again, the address they had was not residential address rather mail delivering service which due to national disaster temporary suspended delivery of mail, mails were going in but no distribution because they were ordered by United state government to stay home. every citizen of this country was ordered to stay home, all businesses were suspended except for XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX majority of Americans jobless due to international disaster including me, a payday loan was nonsense because no pay.all financial institution suspended collection at that time, speedy cash made lots of money from consumers but yet did not act patriotic and help their fellow Americans, courts, legal and government agencies, place of business and churches were closed. Now what I am asking to give me a clear path as how we can work this out and negotiate to remove this debt from credit bureaus. What it takes and what needed for me to do considering the facts I represented, XXXX XXXX knew about emergency circumstances at that time, many people were in hospital or quarantine, including me, how in the world they could notify anyone properly and legally at that time, they should of temporarily suspended their debt collecting activities till thing normalized. Now tell
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| 11/22/2023 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On XXXX I was contacted at XXXX XXXX from a number which I did not recognize ( XXXX ) When I answered this call I was told is was XXXX XXXX and that this was an attempt to collect a debt. Per this conversation I was threatened that if I did not comply and pay then my wages would be garnished. This account was from a payday loan dating back in 2016. I had no recollection of this debt however I have worked extremely hard on my credit and keeping it in good standing. I explained that I've checked my report frequently within the last 2 years since I've been working on purchasing a home and I've never had an account go to collections so I wasn't sure where they were receiving their information. I paid them {$890.00} and soon after I got off the phone and did some research I felt that maybe I was scammed because I didn't receive any information in regards to this matter ( act number, date etc ) I know my rights as a consumer and felt they were violated to the worse degree, however I fell for the scare tactics and paid whatever they were asking for to avoid my credit taking a hit. As a consumer I have the right to privacy never have I disclosed my phone number with a third party collection company and I have never given them the right to contact me. It is also a violation to threaten a consumer with obscure language in which a threat to garnish me wold be just that. These rights are supplied by FCRA and are meant to protect consumers such as myself.
|
| 03/28/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Older American |
|
XX/XX/XXXX, at XXXX XXXX someone called from XXXX asking to speak with XXXX XXXX or XXXX XXXX. He proceeded to tell me that I took out a loan before XXXX for around {$500.00} dollars that I have defaulted on and now it's {$1000.00}. He stated that I have committed fraud, and he wanted to work out a payment plan. He started to argue with me stating that the debt was verified with three institutions. I asked him to send everything to me because my daughter is an attorney and I need to see who is using my information. My purse was stolen a few years back. He hung up the phone. I called # XXXX a guy answered and stated I took out a loan and that I should pay my bills and proceeded to argue with me. He said that all of my information was used to get the money and my bank account which I know is not true. No one has access to my bank account, Not even my children. He started to yell pay your bills. I told him it is not my bill and to send me all the documentation. I hung up the phone because it was getting out of control at that point. He was threatening and abusive. He stated nothing is going to happen to him, he can do anything he wants to. Have new regulations allowed debt collectors to behave in such a manner? I am visibly upset and very angry at these people. Listen to their recorded message at the beginning of the call. They threaten to send legal papers to your home. I guess legal action will be taken even though it's not the right person.
|
| 09/18/2022 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal.
They also violated the law because according to : 15 U.S.C 1681 section 602 A States I have the right to privacy.
15 U.S.C. 1681 Section 604 A Section 2.
It also states a consumer reporting agency can not furnish a account without my written instructions.
The credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information.
They did not do this!!
Also, they have violated my rights even more.
In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.
|
| 03/09/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
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Web |
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XX/XX/XXXX : debt collector calls and says that legal documentation has been filed in a suit against me for a delinquent account. The amount was in excess of {$1400.00} from check into cash. We agreed to settle on the amount of {$800.00}.
Many other debt collectors calling to collect on the same account since then.
XX/XX/XXXX : phone call from debt collector ( XXXX ( XXXX ) XXXX ) saying that legal documentation has been filed for a suit against me for a delinquent account. Amount in excess of {$1400.00} from check into cash. I told the woman on the phone that I had already settled that debt last year and hung up.
I called Check Into Cash customer service. They informed me that the debt ( from XXXX ) was sold to a collection agency in XXXX, but that agency went out of business in XXXX and no other company could have access to it.
The company I paid ( XXXX XXXX XXXX ) has an address to a civilian home ( XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) and the owner of the company name ( XXXX, XXXX A ll ) has had XXXX other company names but both are inactive now ( source : XXXX XXXX XXXX ).
I tried to contact the company but no one answers the number left on the letter of release they sent me through XXXX, which had another company name on it ( XXXX XXXX XXXX XXXX XXXX, XXXX, NH XXXX ) I called my bank but they said they couldnt do anything since the fraudulent activity was more than 120 days old. So Im out {$800.00}
|
| 11/28/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I reached out on XX/XX/XXXX about a payment plan that I was on. I was on an extended payment plan of {$270.00}. Unfortunately I had fallen through some hard times and asked if the payment can be moved. I was told that that payment could not be moved. Then I try to make a payment, and then that payment was returned due to insufficient funds. I tried to reach out on Monday, XX/XX/XXXX and none of the representatives were helpful. I kept getting the runaround. I had put in a complaint, and I responded to the complaint. Explaining that I agree with the outcome but I am working on getting the funds and once I had the funds I will reach out today at around XXXX XXXX. I got a call from the department the in-house to collections department telling me how am I going to be paying that balance? I explained that I did not have The available funds because Im trying to work things out with my bank to see if theres a resolution to get the negative valance fixed then I asked, can you please remove my phone number so I dont have to get calls and I can focus on getting back in my feet and the agent I spoke to told me unfortunately theres no way to remove the number collection efforts will assume I want this company to cease and desist communication until Im able to get back on my feet. I am not denying this debt. I know I owe but I just want the calls cease because this is put a lot of stress on me physically, and mentally.
|
| 02/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
Good evening I went online to apply for a loan so that I could fix my bathroom wall a loan place named speedy cash loan popped up so I applied upon applying they requested my banking log ins and I'd to verify my account they said I was approved for XXXX then changed it to XXXX the XXXX XXXX XXXX I woke up to random deposits in my account for XXXX twice and a refund amount into my account from a XXXX payout I did to a contractor from XXXX the loan people called me and told me that I needed to send them the money from the XXXX deposits and the refund via XXXX as it was only deposited into my account to be sure my account was valid which didn't make sense to me but they said to send the XXXX so I said if u deposited into my account then take it out of my account immediately they said they couldn't and I had to XXXX it back to them thus I said send me an office and they said they could not and that the only way was to XXXX it back this I did for the XXXX twice to a weird XXXX XXXX they provided and told them I didn't feel comfortable and to withdraw my loan application immediately I went to my bank and explained the situation to my bank they advised to close my accounts my personal and my business right away thus we did and advised to add fraud alert to my personal credit and to file a Police report as there was reason to believe this was a fake loan company scamming
|
| 11/25/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
I am unable to use a regular bank because of personal reasons out of my control. I received a lawsuit settlement and a few large checks that I needed to cash. I went to California Check Cashing in XXXX XXXX, CA on XXXX XXXX ( only location in XXXX XXXX ). They cashed a check for {$30000.00} for me ( not all in cash, I was required to put some of the money on their store debit card ) and they charged me {$3000.00} to cash the check. And there were other checks that I have cashed there for {$10000.00} that I was charged {$1000.00} to cash, etc. They charged me 10 % with no cap on the fees. They knew the checks were good. There was no risk involved. They confirmed with the lawyer, etc.i feel like this was predatory banking practices. I had no choice if I wanted the money. After checking with other check cashing facilities locally after the fact, it is obvious that California Check Cashing is in the practice of predatory banking practices. Other businesses have a cap of {$300.00} to cash any check. I am asking that California Check cashing return any money over {$300.00} that they collected from me while cashing any check in their facility. I had identification as well. There was no risk involved in cashing these checks. I feel like they took advantage of my financial situation to their benefit. I wrote them a letter but did not hear back from them.
|
| 08/24/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
Servicemember |
|
I received a letter today from a company that I believe is a scam. I have only once ever applied for a payday loan and paid it back right away, let alone any time recently. Since I have purchased this new house in XXXX, I have received many scam attempts from mortgage insurance and the like. After doing research, the website XXXX and associated website I found online XXXX are reported to be very new and are a potential threat. The letter came by mail to my new address which I am sure is public record because of the sale of my home. I have not called the phone number ( XXXX, which is being reported by an archived web address of also being XXXX ) associated with the website, interacted with any buttons or links on the website, and protected myself behind a firewall and VPN. They have my last four SSN on the document, and a credit score, which is much higher than my current reported score. They have given me 5 days to pay, according to the letter. They are threatening legal action, wage garnishment, and liens on my property and bank accounts. They are claiming I committed wire fraud by closing an account that I submitted a request to obtain a payday loan from. I certainly have done none of the things alleged. I hardly ever use checks and they are all accounted for. I have never used any service called CheckIntoCash, ever!
|
| 04/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Got a loan though Speedy Cash and while filling out the paperwork I was careful and deliberate as to not agree to an ACH or automated payments of any kind. Speedy Cash still proceeded to charge my debit card on XX/XX/2023 in the amount of {$100.00}. Once I notified them of this issue on XX/XX/2023 they told me that I would have to wait until the payment cleared until I would be able to ask for a refund. On XX/XX/2023 I received an email informing that the payment had cleared. XX/XX/2023 I called once again to the business relations department at Speedy Cash where I was told that I would not be eligible for a refund because it was a collections attempt which is supposedly different from a payment and that I agreed to allow them to collect payments. That is untrue because I read all of the paperwork and specifically denied any type of automatic payments. They proceeded to tell me that XXXX was only revoked after my call on XX/XX/XXXX which is untrue. They also refuse to allow me access to any loan documentation online and I can not receive any documents unless I formally ask for them to be mailed which I did today. Speedy Cash is full of con artists. Absolutely screenshot your loan documents as you sign because I have a feeling they will forge my electronic signature on to an XXXX agreement to make me seem at fault.
|
| 11/22/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
As XXXX put a collection on my credit reports on XX/XX/XXXX the debt was signed with speedy cash on XX/XX/XXXX and was due on XXXX XXXX, please look at timing between XX/XX/XXXX and day reported by ad astra on XX/XX/XXXX during covid. Speedy cash any other payday loan companys do not assign a debt to collection for months because they have late pay charges and ACH On bank account which they run through the bank for months before giving up on the debt, I can make speedy cash show there records to prove that in court. but let assume they did after two months, again please look at timing between XXXX of XXXX and XXXX of XXXX when this debt reported to credit bureaus, by law they are responsible to send ar leat one if not three maild notice to consumers and ask for validation of debt which at least a month to respond, first of all the address they had was not an home address it's a church address where I retrieve my mail, you can easily XXXX the address and see it 's XXXX XXXX XXXX, the church office was closed during covid 19 crisis and all mail delivery was suspended and even us postal service was delaying distribution of mail, nobody at that time was collecting debt of referring debt to collection because nation was in crisis and people ordered to stay home, and jobless, and I didn't receive no mail
|
| 11/06/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
The Last Time before XX/XX/XXXX that I took out a payday loan with them was in XXXX. XXXX was going on. So, on XX/XX/XXXX I ran into a little financial trouble and put in online for a payday loan. It was approved. Only problem was they had my old banking information. On an XXXX XXXX Account that's been closed since XX/XX/XXXX. They had an option to add a debit card. But, none to change the banking information. So, I added my debit card. Thinking the funds would be deposited there. Then no funds were deposited on the Card and XXXX XXXX said. They never would get the funds because with the account being closed. It would reverse ACH back to XXXX XXXX. I called XXXX XXXX on XXXX XXXX to inform them. They agreed to what XXXX XXXX Said. Then on XX/XX/XXXX. Early XXXX XXXX. in the morning they debited my Card for {$240.00}. The {$200.00} That I never received. Plus {$40.00} interest on funds never received. Then I called in XXXX times. The Customer Service Reps were rude. The last one claimed her Supervisor said that the Bank Statement from the closed account showing closed. Where no deposit could be made. Because, it was closed was not good enough. Sir, Ma'am I'm XXXX and on a fixed income. These folks are being very preditory and thievish. They're robbing people without a XXXX. I need my {$240.00}.
|
| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX an unknown person attempted to sign up for various loans with my madien name. On my credit reports I had a hard inquiry from XXXX XXXX XXXX XXXX from this. I contacted the company and let them know about the fraud several times and disputed this with all credit buerueas. It has been removed from all except XXXX, where my credit score had dropped. I have contacted XXXX over 10 times and mailed in documents stating the fraud, along with my FTC identity theft report. This still showed on my credit so I called XXXX XXXX again in XX/XX/XXXX and XX/XX/XXXX received an email from the company saying " We are in receipt of your recent claim of fraud regarding a credit inquiry by XXXX XXXX On XX/XX/XXXX, an application in your name was presented to XXXX XXXX ; however, no loans were underwritten in your name. The account has been updated to reflect your claim of fraud and future transactions on this profile would require a written request from you.
Furthermore, given your claim of fraud, we have requested the credit inquiry initiated by the application submitted to XXXX XXXX be deleted from your credit report. Please note, it may take up to 90 days for the deletion request to be reflected on your credit report. '' As of today this still reports on my XXXX credit report.
|
| 09/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I received a loan from speedy cash on XXXXXXXX and XXXXXXXX XXXX XXXX TN my line of credit was XXXX dollars give or take some. I was faithful in making payments until my medical alert dog got deadly sick. For which the cost was extremely expensive for someone like me because I live on social security. I am XXXX. I went to the company to notify them of my inability to pay I explained to them the situation regarding my medical alert dog and asked to negotiate but I was refused. Instead of stopping the pile of interest rates taxes and fees once they knew I couldn't pay they claimed that I agreed to acquire insane amounts of interest taxes and fees as well as the amount I owed them. When I informed speedy cash of inability to pay I only owed {$610.00} they then sold my information leaving me now owing {$1100.00}. I did not agree to in any way to allow unfair amounts of interest taxes and fees to build up as speedy cash claims. Medical alert dog 's are federally protected through the Ada and Dept of Justice I have federal obligation to maintain my XXXX XXXX animals safety, wellbeing, and health inCluding nutrition, exercise, protection, AND ALL MEDICAL NEEDS. I will be including a signed document from my XXXX assigning my dog to service. As well as a photo of said XXXX.
|
| 11/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I applied for a loan from speedy cash about 5 years ago XX/XX/XXXX to be exact for {$100.00}. I checked my credit score in XXXX and tried to dispute the account because it was closed and sent to a collector and the debt was also listed for {$240.00}. However, when I went to check my credit score again in XXXX they opened the collection again this time they changed the date stating that I opened the account in XXXX of XXXX, which is incorrect. I tried to dispute it again for incorrect information and they reopened the debt again reporting the date as XX/XX/XXXX and I have not been in contact with or received a loan from speedy cash since XXXX. They have not sent me any mail or notice stating that I have a debt nor have they sent me anything saying why the loan has went up over {$140.00}. They keep reporting the debt on my credit and changing the date every year or two. Then when I try to log on or speak to someone I can never get in touch with anyone. The information they are reporting is false, I have not had or received a loan from this company. And they keep reporting an old loan that has been sent to a collection agency and should have been closed. Its inconvenient and unfair that a company can continue to fabricate and falsify documents and information.
|
| 10/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I got a loan from Speedy Cash in Colorado, due to losing my job behind XXXX my mother 's death my father 's death and my brother 's death I had problems paying the loan back I tried to make payment arrangements which were denied on XX/XX/XXXX a lady showed up at my door and served me court papers to appear on XX/XX/XXXX at XXXX at XXXX demanding XXXX plus XXXX court cost. Asking a total of XXXX from the court. I sent the attorney a email asking to set up payment arrangements with what I can afford with dates ect. They stated I owe XXXX and if I could not pay in full prior to XX/XX/XXXX that then they would set up pay arrangements after I send in paystubs name of employer, pay periods and dates paid .Once I send that, they will send me a stipulation. And I have 24 hours to respond otherwise it voids.I called courts and in fact there is not a civil judgement filed against me so no court date ect. Plus denied my pay arrangement served me false court papers on Sunday XX/XX/XXXX. I also called loan company trying to make arrangements to pay and was told to contact the attorney It's also on my credit report as open account. I have tried to make it right with failed attempts. Now I'm being lied to and scared being served false summons to appear at XXXX XXXX.
|
| 09/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
shortly after multiple fraud incidents, I was contacted by a loan/ check casher known as " Easy Money, '' In XXXX TN, about a check that bounce in which I owed them money. The man who committed fraud is the man who made me cash the check, shortly after having a verbal disagreement with the company I started receiving threats in the community, and over the phone. There was a pretend telemarket collect call, this man named XXXX XXXX ( may have lied about his name ) sounded similar to the man who made the call. This man pretended to be the American government and threatened to murder my family. Easy Money hired XXXX XXXX ( may have falsified his name ) to seek after me about the verbal disagreement and to have him hurt me, this man XXXX me, and I have yet to be able to solve the issue. This man was reported, but I can't get in contact with anyone about the issue. I know that they collaborated due to the degree of the crime. He sought after me for the company, and there is debt to pay ; there are issues blocking me from paying the debt. I am complaining about the severity of the threats by the company. I do have my own bank statements, showing the failed recovery of the debt, but that level of retaliation is unnecessary. My life isn't to be threatened.
|
| 08/02/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I found a collection account that was added to both my XXXX and XXXX credit report agencies in XX/XX/2023. I filled a dispute with both credit report agencies advising them that the account did not belong to me. Both credit report agencies stated that the account was verified which I disagree.
The debt collection agency has not sent me any proof of validation what soever either via mail or email communication.
They have not provided verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, they have not provided a copy of the written agreement that created my original requirement to pay.
A copy of the last billing statement sent to me by the original creditor has not been provided to me proof of validation Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Debt collection agency XXXX XXXX XXXX XXXX Original Creditor : CheckintoCash Date opened : XX/XX/2023 Original balance : {$3400.00} Balance : {$3400.00} XXXX emailed the original creditor advising them about this fraudulent account that does not belong to me. As of today they have not responded as well. I also attached a police report and the email that was sent to the original creditor
|
| 05/16/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I received documents I requested from XXXX XXXX XXXX on XX/XX/XXXX. After calling them to inquire about their dispute process I was spoken to in a very rude manner. I also contacted the original creditor Cash Central on XXXX XXXX, XXXX @ XXXX XXXX XXXX XXXX. I was told the account number XXXX XXXX XXXX provided to me, XXXX, on the mailed documents didn't match my name. The mailing address on provided documents is an address I haven't lived at since XXXX. The amount attempting to be collected is XXXX. XXXX which is reported on all 3 Credit Bureaus but the documents provided that they gathered from Cash Central says XXXX. XXXX. South Carolina, the state I have lived in since XXXX, has a law pertaining to payday loans ( Amount questioned {$800.00} violates South Carolina Law Section 34-39-180 ( E ). Max is amount allowed per SC law is {$550.00}. It is also required that a borrower was presented withan extended payment planfor a 12-month period in case of an inability to repay a deferred presentment transaction.The referenced payday loan was supposedly granted XXXX, XXXX but 2 hard inquiries from Cash Central on XX/XX/XXXX and XX/XX/XXXX. I have notified both parties XXXX XXXX XXXX and Cash Central with absolutely no resolution.
|
| 01/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OK XXXX Attn : XXXX XXXX Account # XXXX On XX/XX/22, I was unable to log in and make a payment prior to the due date of my loan whereby, the creditor had manipulated on-line user account access. I phoned XXXX XXXX, who thought I had established a good relationship with and was told they didnt support the XXXX XXXX debit card.
The next day additional interest was charged to my account and an attempt to withdraw payment was made and declined. The payment was declined because the creditor had scheduled it for the next day. According to XXXX XXXX, this is a fraudulent transaction and is not accepted by any debit card. All other creditors accepted and were paid through the same card.
On a monthly basis, XXXX XXXX would call asking me to re-loan, but I had to do it before the XXXX of the month, which is my pay date. Up until this point I paid my loans off with no problem. I didnt realize the new loan was due on my pay date, and another fee of over {$50.00} was assessed to my loan every month. The creditor utilizes a loop whole to charge additional interest and prevents me from paying the loan off sooner. This is a breach of contract since there are no penalties for paying the loan off early.
|
| 08/02/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
Theyve been asked repeatedly to not contact me. They continue to leave threatening voicemails. The transcript of the most recent voicemail : XXXX Deposited a new message : " This message is only intended for a XXXX XXXX XXXX, uh this compliance XXXX XXXX XXXX and contact in regards to a pending case to be filed against you. Now, by law, you must make you aware that once case number file us XXXX is filed, it will become a matter of public records and there 'll be a order of location that'll be issued for you. Now, since I wasn't able to reach you by phone, I was instructed to contact your employer and speak to the supervisor as this. Now may look like a possible place or location due to the negligence when you're in regarding the case, XXXX XXXX, you do still have the legal right to contact the office that is process in the case. But once the case discharged from that office, all legal rights are to be forfeited over the phone number here. They do provide on the paperwork to contact. That office is XXXX and this will be in regarding the case number, file us XXXX and XXXX XXXX, you are being legally notified by telephone and you'll be located less time otherwise. Thank you. '' Click here : XXXX to listen to full voice message.
|
| 01/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
Speedy Cash XXXX XXXX XXXX XXXX KS. XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX On XX/XX/22, I was unable to log in and make a payment prior to due date ; whereby, the creditor had manipulated on-line user account access. I phoned creditor and was told they didnt support the XXXX XXXX debit card. I went back on-line and was allowed to enter the card information, but a payment was not accepted. The next day additional interest was charged to my account and an attempt to withdraw payment was made and declined. The payment was declined because it was schedule for the next day, according to XXXX XXXX, and that is a fraudulent transaction that is not accepted by any debit card. All other creditors accepted and were paid through the same card.
On a monthly basis, the creditor utilizes a loop whole to charge additional interest and prevent me from paying the loan off sooner. An additional interest payment is charged to my account a day or two prior to due date. The creditor has allowed early payments once or twice, but an additional payment is withdrawn the next day ; whereby, overdrawing my account. This is a breach of contract since there are no penalties for paying loan off early.
|
| 03/01/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I check all three of my credit reports weekly as I am building to an idea score so i can rent a townhome and have had false reports on my statements before that damaged my credit. On XXXX XXXX I discovered a collection account on my XXXX and XXXX reports from XXXX XXXX XXXX for {$430.00}. It claims the account was opened in XXXXXXXX XXXX XXXXXXXX however through XXXX XXXX I've not applied for any loan or given my information to anybody nor have I received any communication or mail that a loan was given out in my name or in jeopardy of being in collections. I tried contacting XXXX who were the original creditors, it was stated they had no record of me applying for any loan or receiving one and that I would need to discuss the matter with the collection agency which is has prompted me to open this investigation. I have not applied for any loan or financial assistance since XXXX and all my collections were paid i moved to a new location and updated all my addresses prior to XXXX and am unaware where my information could've been gathered to use for this purpose. i spoke to XXXX XXXX XXXX today updated my contact info since the address and number the had were not accurate and have asked for validation of debt.
|
| 08/04/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
This company is sending threatening emails of Warrant for arrest in addition email contains all my personal information including my SSN, DOB This debt is from XXXX 2015 XXXX- The attached is a copy of the email- IT has formerly be 7 years.
Texas and Federal Law Texas Constitution, Article 1, Section 18 This provision in the Texas Constitution ensures that no person shall ever be imprisoned for debt.
Texas Finance Code Chapter 392, Subchapter D These sections of Texas law outline deceptive, threatening, and abusive behavior that debt collectors and original creditors can not engage in. These behaviors include : falsely accusing you of a crime, using profane or obscene language, using a false name, misrepresenting that their communications are coming from an official government source.
Sections 1692d ( 1 ) and 1692d ( 2 ) in Title 15 of the U.S. Code Under the FDCPA, third-party debt collectors can not use profane or obscene language. They can not threaten you with violence or other criminal acts.
Section 1692e in Title 15 of the U.S. Code This section of the federal Fair Debt Collection Practices Act lists false or deceptive statements that a third-party debt collector is prohibited from using.
|
| 11/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
I was served with papers on XX/XX/XXXX in regards to a lawsuit filed against me for nonpayment of a pay day loan. The company who has filed suit is SCIL., Inc. dba SpeedyCash.com for a loan of {$670.00} that was taken out on XX/XX/XXXX. The amount of the suit is for {$1300.00}.
When I first received letters from SpeedyCash stating that I owed money for a pay day loan that was never paid on I did attempt to call the company. I have not taken out a pay day loan from this company. I was unable to reach anyone in regards to my complaint. As I know that I did not take out this loan I assumed this was a scam to get money from me. I kept receiving letters and eventually disputed the amount through my credit bureau.
After I was served papers I went back to the credit bureau report and found that had noted the debt was valid. I then contacted the law firm that filed the lawsuit. In speaking with the lawyer I was told that all the information was in fact mine however that when the loan was taken out that the ach was sent to a XXXX XXXX XXXXXXXX account. I do not have a checking or saving account with XXXX XXXXXXXX XXXX and so am certain that this loan was requested fraudulently with my information.
|
| 07/31/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I have been a customer with Speedy Cash XXXX loans online for several years. Then I experienced a sickness and had to extend my payments and I paid the loan off the end of XX/XX/2023. Then, I attempted to apply for another {$500.00} ( payday ) loan and the company told me I had to wait 60 days. I waited the XXXX days and today ( XX/XX/2023 ) then, I applied again today for a payday loan and all of a sudden the company denied my application again, all of my information has been the same for the last XXXX years when Speedy Cash has been approving my payday loans.
Then all of a sudden the company is telling me they can not verify my banking information. That doesn't make sense because the information has been the same in the previous XXXX years when, I would applied and was approval for a loan.
Now my spouse and I can not share the same banking account. Therefore, they deny my application and I feel the company has discriminator against me. I was referred to Speedy Cash by several friends that share the same banking account with their spouse and Speedy cash has approved their loans for years but, they are of other ethic groups and that is why I am complaining about been mistreated.
|
| 02/09/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
Hello, I do remember applying online with Checkintocash and I do have email communication. However, I do not remember if I ever received the funds or whether I have paid or not. This was in XX/XX/2017 - over 6 years ago. I received a voicemail threatening legal action and to contact my job and county. They also said they would be finding my address and workplace in the voicemail. I then called the number because I was confused and they refused to confirm the debt with me. I asked for written verification and they said no. They were past that point. I told them I would like it validated. They said its been sold 2 times and that they wanted to give me a courtesy call before taking a LIEN out on me and unless I agreed to pay, they would not send written verification. They said they would only validate in writing if I verbally agreed to settle. This is so unnerving. Statute of limitations is 5 years. This was over 6 years ago and I feel threatened. Not only did they leave a voicemail with the threat but over the phone they discussed garnishment and liens. I have no idea who this company is. The number or company name who called me on behalf of checks into cash could not be validated.
|
| 11/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
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XX/XX/XXXX - I applied for a loan online based on their website apply online and have it directly deposited into my bank account the same day all completed online. After applying for the loan, I was then told through the online website that to get the loan same day I would need to physically visit a local location otherwise, it could be directly deposited into my bank account within 3 business days. This was misleading and did not meet my requirements, so I decided to not proceed with the loan. I tried logging back into my Speedy Cash online application and received warnings that my email address is invalid. I also did not receive any email confirmations. I have tried contacting the company both via email and phone with no response. Since I heard nothing and received no confirmations back, I assumed my application was terminated since I did not agree to have it directly deposited or visit a physical location.
XX/XX/XXXX - Still no response from Speedy Cash, they went ahead and processed my loan without my consent and directly deposited into my bank account. I did not authorize this and again have tried contacting the company via email and phone with no response.
|
| 10/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I applied online at lendingcashexpress.com for a personal loan. I received call from XXXX XXXX XXXX that I was approved for a {$3000.00} loan. The person told me I needed to call XXXX to receive my loan. I called XXXX, and spoke to XXXX. XXXX told me I had to satisfy a verification process in order to get the loan by paying {$150.00} on an XXXX Card. He mentioned that since they do not pull credit, this is how the company checks that you are qualified to pay back the loan. He also sent me a Loan Agreement for the loan. XXXX told me the {$150.00} would be refunded back to me by the Company paying me {$3100.00} for my loan. I paid {$150.00} for an XXXX Card to satisfy the verification process for the {$3000.00} XXXX. After I paid the verification, XXXX gave me the phone number XXXX to call to get my loan. I spoke to XXXX XXXX at XXXX and he said I would have to pay an additional wire fee of {$300.00} to get my loan. I either want my {$150.00} back or my loan of {$3100.00} which includes reimbursement of {$150.00} XXXX card. The Company should have told me all the out-of-pocket charges of the loan I would be required to pay upfront to get the loan.
|
| 05/10/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Contacted store XXXX was referred to XXXX XXXX. Contacted California Check Cashing and paid {$300.00} pay day loan XXXX years ago.
Received XXXX calls this week for " XXXX XXXX XXXX '' XXXX referring to case # XXXX. First call send my former XXXX had retained XXXX to sue me for a loan received. Checked with former XXXX and XXXX denied.
Second call said check cashing service was suing me for a loan from $ XXXX {$700.00}.
The amount they were requesting was {$1300.00}. Said they had tried to contact me at a former address and email address. Neither was the legal address given when the loan was obtained. They did not have my legal address on my XXXX XXXX which was used to obtain the loan. They said they weren't collecting but it was there job to " notify '' me of pending court action. I told them it had been paid and they continued to call. They are argumentative and only want to talk and shout and state untruths and won't listen to What you have to say. I am retired and paid off my bills acquired due to injury before I retired. They would not give me the contact info of the company that supposedly retained them to collect a paid debt.
|
| 04/14/2023 |
Yes |
- Debt collection
- Payday loan 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 |
Older American |
|
This debt collector, XXXX XXXX, repeatedly called me today for more than 9 times, threatening to file a criminal lawsuit if I dont pat the whole amount of debt, {$1100.00}. He threatens to call the police and sheriff to arrest me and be put to jail. I told him I dont have the money to pay him the whole amount, I was trying to make payment arrangements of {$100.00} a month but will not accept it. I have called just answer, talked to a criminal lawyer named XXXX XXXX XXXX, and he told me that this persons tactic is illegal. He told me to file a complaint with CFPB, and if this person pursue to take legal action, I can counter sue him later on. I was also told that this could be a scam. XXXX XXXX works for Cash Central, it says a proud member of Community Choice Financial, no address given. XXXX XXXX telephone # is XXXX. He also texts me that I have to make sure that I will have a criminal attorney within the hour of his text at XXXXXXXX XXXX today, another XXXX at XXXX XXXX that if I think by ignoring his calls will help me, at XXXXXXXX XXXX another text, asking for my lawyers information, and by blocking him will not save me from warrants.
|
| 11/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Speedy cash offers payday loans.
The amount was about {$500.00}.
I paid already {$360.00} or so.
The amount due last week was {$540.00} left which was still High almost double the original amount borrowed Now today after speaking with them About payment options and help I now see the balance went up to {$780.00} So {$1200.00} for borrowing {$500.00}?
This doesnt seem to be something thats fair. In addition the original loan mentioned an installation payments- not sure how payments are {$340.00} a month?
I believe the fees are in question here, and the companies unwillingness to work with me at all. Telling me that there gon na draft it out of my account I was calling ahead about a weeks time to find out hardship payment options whether I could pay at least {$100.00} now and spread the payment over time? Or any assistance- they said no.
I am reaching out because we are about to loose our home and car, and cant afford for any accounts to be overdrawn- especially when I am trying to communicate the financial hardship I am experiencing I suffer from XXXX and am on XXXX- this is a lot of pressure on me alone
|
| 05/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
I had opened a line of credit with First Virginia ( XXXX XXXX XXXX XXXX, VA XXXX ) a CCF Holdings LLC Company ( XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ) subsidiary, and was doing business with the previously mentioned company for serval months prior, until without notice on XX/XX/2023 the Company ( CCF Holdings LLC ) committed fraud and took an unauthorized payment of XXXX out of my business savings account. At no point in time did I Authorize and/or gave them the information to access my Business Savings account ; this action should have never occurred. I Reported this fraud and Improper Financial transaction to my Business financial institution ( XXXX XXXX XXXX ) once I was aware, and an investigation was conducted and concluded on XX/XX/2023. CCF Holdings LLC was found in the wrong and funds were returned to my account ; unfortunately, there were other issues caused by this transition resulting in a monetary loss and a decline in creditworthiness from other lenders. An estimate of XXXX in damages I feel would compensate for this egregious attack and improper collections action taken upon me and my business.
|
| 04/04/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
I received a payday loan in the spring of XXXX in the late summer between XXXX and XXXX I was given the option to pay a final amount to pay off my loan in a lump sum. As I did so and the amount came out of my account I believed that I had paid off XXXX payday loan. However, in the following months after security finance continued to take out the normal payment amount without my knowledge. This year in XXXX I noticed my account had been overdrawn from a charge called XXXX XXXX never noticing that was indeed check into cash. I went into check into cash and told them of the issue they proceeded to tell me the employee that took my lump sum payment no longer worked there and that I still owed money to the company. They have harassed me calling me every morning about payment. Even though Ive continued to give them money just to no longer deal with this and get it over with. I dont see how they can be allowed to do these things. The plan I set up for shouldnt be still in affect a whole year later. The loan shouldve been paid off with my lump sum. Theyve been robbing me of XXXX $ Each month for the last 6 months.
|
| 03/27/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
They said if I didn't call them back right away, they would have to turn the matter over to my local jurisdiction. The company is called " XXXX XXXX XXXX '' they described a loan originating in XXXX from a company called " Easy Money. '' They said they mailed me a letter in XXXX but I can not find it. I asked for paperwork showing this to be emailed to me and they refused stating : " The company wishes to take this matter to litigation. '' They are threatening court action if I do not respond in 24 hours. I asked them if they could resend the letter but they are refusing, stating : '' if they sent a letter then they are obliged to wait 30 days for payment. '' They stated that they deposited the funds into a XXXX XXXX account that I no longer have access to. I called XXXX XXXX and they only keep records for the last 7 years. They also stated that they sent notification to an old email address I no longer have access to and can not get past emails. I contacted the XXXX XXXX XXXX but they could not find the company " XXXX XXXX XXXX. '' I do not recall completing a loan from the company Easy Money in XXXX.
|
| 01/19/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
In Augst of XXXX, I took out a {$900.00} loan with First Virginia Financial Services , LLC located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I began payment on the loan in XX/XX/XXXX. I made payments on the loan and was informed when I was XXXX payments away from payoff that the company was being taken over by new management and the company was now called XXXX XXXX XXXX. I made the payments to this location but was told my account was sold to XXXX XXXX. I called their " corporate '' headquarters to discuss payment of the balance. I was told that my payments were only paying fees and not the actual loan. When I moved from XXXX to XXXX, I went to First Virginia location located at XXXX XXXX and asked for copies of my statements. I was given of the statemnts from that account. I was shocked to see the interest rate and also how many late fees were tagged on even when I paid in store. As of XX/XX/XXXX, I called to see what the status of my account was as I had not received any forwarded statements. I was told by the representative that my account balance was {$1200.00} with no interest fees.
|
| 09/23/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Requested for debt to be validated and I was informed that the original creditor is speedy cash ; I received a one-page letter without any disclosures from XXXX XXXXXXXX XXXX XX/XX/2022 after filing a complaint against the collection agency to verify/validate the debt.
The letter did not include : -A " proper '' validation notice -The Validation period -detailed/itemized information regarding the debt; such as but not limited to ; - the original contract - the original loan balance -the specific type of loan - the account number associated with the debt- Clear and conspicuous information on where to dispute the debt - an itemization of the current amount of the debt reflecting interest, fees, payment, credits.
- a copy of the most recent/last statement - the date the account was charged off/amount charged off - information regarding consumer protections I was prompted to report " ID Theft Affidavit '' without enough information provided to determine ID theft. This debt is frivolous and after doing more research it is also a fraudulent business activity that is not allowed in California.
|
| 09/27/2023 |
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 |
|
|
I received a phone call from XXXX that my phone said scams likely a woman asked for me by my last name to which I responded this is she she then asked me to verify my first name and my social security number. When I told her that I did not feel comfortable with that and asked what the call was in regard to she told me that she had news for me but couldnt tell me unless I confirmed my information. I stated again that I do not feel comfortable giving out my information and that I do not have any business matters with her company she told me then to call speedy cash so they could tell me themselves. She got extremely irritated and began raising her voice during this time. When I called speedy cash I was forwarded to their customer relations, who searched under my name and phone number and told me that they do not see that any phone calls were placed to me and that I do not currently and have not previously had any business with them and that scammers frequently use their company name as a way to try and get peoples information. She then referred me to ftc.gov to report this as fraud.
|
| 04/29/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I received a call on XX/XX/XXXX at XXXXXXXX XXXX AZ time from XXXX. No message was left. At XXXXXXXX XXXX AZ time on XX/XX/XXXX I returned a call to XXXX. A woman answered by the name of XXXX XXXX She asked for me by my first name only. I verified that I was who she was asking for. She explained that she was from XXXX XXXX XXXX XXXX XXXX, talking very fast. She said " We have a claim here ready for due process, due to go out against your social in reference to a default judgment. '' I told her I could not hear her and to please slow down. She said " We are filing a judgment for wage garnishment on behalf of Speedy Cash for a payday loan, Do you want to resolve it.? '' I told her that was included in my bankruptcy. She said good luck then hung up. When I filled XXXX in XXXX. I personally mailed Speedy Cash the case number and discharge date. I also verified that they received the notice of filing XXXX XXXX XXXX and the discharge date. I called XXXX back and that same woman said This is XXXX XXXX then hung up on me. She did this several times then I stopped calling.
|
| 03/31/2023 |
Yes |
- Debt collection
- Payday loan 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 was checking my email for an email I was told I had been sent ( job interview ), went to search spam, and found 3 emails that all claim to be from attorneys and threatening to prosecute. I've pasted the email content below.
" We are hereby to inform you that you are going to be legally prosecuted in the Court House within a couple of days. So, before something goes wrong, we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your Payday Services. At this point, you had made your intentions clear and leave us no choice but to protect our interest in this matter.
UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER " Also, when I replied to this one, she sent me a link that looks suspicious. I contacted the original loan place and they haven't yet sold my debt/acct.
|
| 08/31/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Amount is {$350.00} On XX/XX/2022 XXXX contacted my son from XXXX and left a voice mail on his phone. It stated " This is XXXX XXXX contacting you once again in regards to a claim that is being refiled for ( my name ) to make you aware that once docket number VA XXXX is refiled it will become a matter of public record and there will be an order of location rescheduled. Now this claim is being refiled against ( my name ). We're reaching out to you as a point of contact because it is a matter of public record and your name is somehow affiliated with their claim. Now Miss ( my name ) does still have the legal right to contact the filing party. However once the claim is discharged in their office that will no longer be an option. If you happen to speak with ( my name ) it will be in her best interest to contact the office immediately before all legal rights are forfeited. Number for her to contact once again XXXX, referencing docket number VA XXXX. This is a legal notification by telephone and it will be redocumented on the claim, thank you. ''
|
| 10/21/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
Older American |
|
Check XXXX cash ( aka check XXXX cash ) XXXX XXXX XXXX XXXX az XXXX In XXXX XXXX In approx XXXX or XXXX of XXXX I took a title loan against my XXXX XXXX truck. After XXXX payment I pd {$1000.00} on princial to lower payment. When next payment was due I went in to pay lowered payment. The co. Would not accept lower payment and had no record of my {$1000.00} payment. Within days after payment due my truck was repod. I never got notice of repo or any type of disposition as to wat happened to my repo. In reviewing my file I discovered in addition to repo... the original loan application I applied n signed for was denied and paperwork with a higher interest loan was done... one without my signature. They did the ol bait n switch on me. Within months after that the co. Switched owners. The new owner never contacted me about my account whom I already complained with. I know the new owner took possession of all previous accts because my friend had to resign for loan he had taken out under old owner.
I don't know how to fix this.
XXXX XXXX
|
| 12/04/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
On XX/XX/22 money was taken from my checking account for a payday loan I do not have at Checksmart in XXXX Ky. I had paid a previous bill for my son and he told them no when asked to store my debit card on file. When the payment came out on XXXX I called them wanting to know what the charge was for. During the conversation I was told it was for the payment my son owed. I asked them to reverse the charge because I did not authorize the payment. They told me to get the money from him. I informed the woman XXXX that my account was now overdrawn and my own payments were being reversed back causing more fees. She said then my only option was to dispute the charge. I asked again for the charge to be reversed. She stated she would call her DDO and call me back. My son called and asked why they saved my card on file when he told them it was a one time payment and was told it saved automatically. I received a call from the store manager XXXX stating the XXXX XXXX said my only options were to get the money from my son or dispute the charge.
|
| 02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
PDear Sir/Madam, I am writing to express my disappointment and frustration with the recent denial of my payday loan application with Speedy Cash. Despite providing all the necessary information and fulfilling the eligibility criteria, I was informed that my loan request was denied.
What is more concerning is the fact that Speedy Cash has failed to perform and release the funds to me. As a customer, I expect a timely and efficient service, and unfortunately, that has not been the case with my experience with Speedy Cash.
Therefore, I request that all securities that were provided during the loan application process be returned to me immediately. I understand that these securities were provided as a guarantee of the loan, and as the loan has been denied, I expect them to be returned without any delay.
I hope that this matter can be resolved as soon as possible, and that Speedy Cash takes necessary measures to improve their service and customer satisfaction.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX.
These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
I received an alert from XXXX bank that potentially negative activity was placed on my credit report. The complaint was made by XXXX XXXX XXXX. When I called this company they informed me that they were a collection agency and that they had attempted to collect payment for a loan I owed, but had gotten no response from me. The information I obtained was that the loan was made by Cash Central in either XXXX or November of 2021. I never applied or obtained a loan from XXXX XXXX. XXXX XXXX XXXX had my accurate address and Social Security number. Howerver, they had the wrong Drivers License number, the wrong bank, and they said they had verified emplyment at XXXX XXXX XXXX, but I have been retired for 8 years. When I spoke to XXXX XXXX they just said they had sold the loan and gave me no more information. They stated that they had contacted me by phone twice and I had said I would make a payment. I never spoke to anyone from their company. I had call blocking on at that time, so any call from them would not have even gone through.
|
| 08/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I originally got Avio Credit in XXXX of XXXX and had the account for a few months before I fell on hard times.The account never shows any of my on time payments. The account then started to show late payments which I understand, but they have consistently reported late payments throughout all of XXXX, XXXX,. XXXX, and XXXX of 120 days late. I have tried disputing the information as inaccurate on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but to no avail. The item should have been written off as a charge off from what I read online. But I read on a credit forum that they are doing this to keep the account active and get around the stature of limitiations and also the 7 year rule for Credit items. This is highly illegal which violates the FCRA and FDCPA on a state level and federal level but keeping the item active. When I log into my XXXX report it does not even state the date the item will fall off because of what they are doing. They are purposely keeping my credit low with late payments and dragging it out to keep my scores low.
|
| 10/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
In XX/XX/2020 XXXX XXXX XXXX has a collection against me in the amount of {$310.00} XXXX disputed this transaction with XXXX, XXXX and XXXX. Because this is false and incorrect. This account does not belong to me.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract- all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verified proof ( an original Consumer Contract with my signature on it ) you have in the file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.
I demand the following accounts to be vetified or removed immediately.
|
| 12/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Can't stop withdrawals from your bank account
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Web |
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I was charged for a loan i did not authorize or have no knowledge of. I was charged in my bank account for the loan and iam in debt with the collection agency. A speedycash associate had my personal identity information and he stole my identity to take out a loan with my information he used used my debit card information for loan payment i never authorized speedy cash to take out a couple of loans with my identity or debit card. I have bank statements showing the loan number and how much was debited out of my bank account and transactions that were overdrawn from my account. Speedycash denies the multiple accounts that are were in my name and says only one is in collections. I paid money to the collection agency for them to remove the account but they still refuse to remove the negative fraudulent account from my credit and i did not open a new loan in XXXX or XX/XX/2022. I only opened a loan in XX/XX/2022 and XX/XX/2022. Which i paid off a total of {$6.00} plus {$170.00} and overdraft fees of {$140.00}
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| 05/17/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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I recently had an installment loan with Speedy Cash. On XX/XX/XXXX I paid the loan off in full. However, the company has a 3 business day payment processing so it was officially paid in full on XX/XX/XXXX. On XX/XX/XXXX I emailed the company to request a paid in full email verification and I also requested that my account containing my debit card and bank account information be deleted. Since the account is paid in full I no longer want my personal banking information to be stored in their system as this puts my personal information at risk. On XX/XX/XXXX a customer service rep responded via email claiming that by law they are required to keep my banking information in their system. This doesnt make sense to me since the account is paid in full and I no longer owe them. I understand they may have to keep account information such as loan amount, payments, status etc however I no longer want my personal banking information ( checking account number and debit card number ) stored in their system.
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| 12/23/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
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Web |
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I was going to California check cashing here in XXXX and one day I went there and cashed a check and after I asked for a print out of the checks I cashed there for the state controller 's office and I noticed there where checks on the paper that I did not cash I talked to the XXXX manager there at california check cashing and told her there are checks on this paper that I know I did not cash I asked her please do not allow anyone to cash any checks of mine here because they are stollen well XXXX weeks passed and i went back in there and got a print out and at that time there was XXXX pages of checks know i told the same person XXXX the manager i asked her why is all these checks being cashed she told me she didn't know that it wasn't her so i got the number to the corporate office and called them and the lady XXXX said to call and make a police report and I did that the case number is XXXX AND XXXX XXXX XXXX XXXX AND XXXX and every check has finger prints on them and they are not mine
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| 12/07/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
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Web |
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They advertise to help people with bad credit scores they will loan you money? I believe Inasked for {$500.00} and another time {$1000.00} and was denied because of my payment history had delinquency and late payments reported and the information came from XXXX however I was unlawfully denied an extension of my credit an was given the key facts and the key facts violated Title 15 law and regulations under Title 12 CFR and TILA and denied me my own credit is violation and that is discrimination and illegal to deny me credit especially after i gave them the the laws there to abide by and they ignored my claim or reconsideration and continue to refer to history of delinquency is the reason and so XXXX used my social security number as well many times with out my consent and that is a violation each time they used it and i was never formally sent a written notice or anything asking for permission to use my information and these violations have fines larger then what i asked to barrow?
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| 07/12/2022 |
Yes |
- 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 |
Servicemember |
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Someone stole my identity and took a fraudulent loan in my name thru AVIO CREDIT on XXXX XX/XX/2022. I found out on XXXX XX/XX/2022. I pulled my credit report on XXXX XX/XX/2022 and confirmed a loan in the amount of {$3000.00}. I contacted AVIO CREDIT on XXXX XX/XX/2022 and they confirmed this loan was fraudulent and granted thru SPEEDY CASH. On XXXX XX/XX/2022 I received a past due notice for a Loan from the same company, AVIO CREDIT, this time for a loan with a different Loan Number. I contacted AVIO CRECIT Customer support, and they told me to contact AVIO CREDIT Fraud Department. I called AVIO CREDIT Fraud Department, and they were closed. I tried sending faxes to AVIO CREDIT Fraud Department and the AVIO CREDIT Past Due Account Help, but their fax numbers listed on their website are not working and out of service. It has been over 90 days since I resolved this issue with AVIO CREDIT, and they continue sending me past due bills and harassing me to pay a loan that is not mine.
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| 10/06/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
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- Struggling to pay your loan
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Web |
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I have a loan with Speedy Cash, Which it's past due. {$750.00} I receive an email today from XXXX which it seems very catfishy.
She was threating me and charging a immediately money through email and in my debit card.
I made several questions. She never answered them. Also, she asked my card information and told me I was gon na be prosecuted and XXXX a XXXX against XXXX, violations and bla bla bla.
I don't know where it's coming from. She refused to give me more information about which area she work at Speedy cash.
Talk to speedy cash already and told the situation. Which it's werdr, cuz I just sat a settlement with them and everything was okay.
I told her about that. She got XXXX. hahaha And release detectives and a warranty. For what? haha I am so confused and I just wan na report this to you guys.
So. yeah that's all. She never gave her number or provide a number. She asked me my attorney contact her. By email?
XXXX XXXX are not smarter than me.
Thank you anyway.
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| 04/03/2023 |
Yes |
- Payday loan, title loan, or personal 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 |
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I received a call from California check cashing on XX/XX/XXXX from XXXX asking if I wanted to make a payment towards XXXX XXXX XXXX of XXXX.
I told her I wanted to pay XXXX. XXXX she said ok and gave me my balance.
I go to check my XXXX account and some one from XXXX XXXX took XXXX off of my card. The lady informs me they handle payment for personal loan companies and to call my lender because that's not hr department gives me the number to XXXX XXXX. She told me there are numbers to call when an employee makes a mistake. So now everyone is saying there is nothing they can do because it's already processed. And I can take out another loan .The store excuse was oh she's new. So I called my bank and filed a dispute and I'm waiting to see what These loan places are going to do in these types of situations. People work to harder for their money now a days and if they offer out money they need to be able to give it back swifty. And XXXX needs more training and pay me my money lol
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| 02/18/2022 |
Yes |
- Payday loan, title loan, or personal 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 |
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On XX/XX/XXXX, I informed the employee at XXXX that I was unable to pay the entire balance of the loan. She giggled and shrugged at me. I reiterated to her that the check should not be cashed because it would be rejected as NSF. After I left the store, I received multiple calls from them back to back but I was not in the right headspace to talk to the person who had so rudely dismissed me when talking about a serious financial issue. On XX/XX/XXXX, a XXXX employee changed the date of the check, without my agreement, and attempted to cash the check. It was rejected due to insufficient funds. I then requested a stop payment be issued for the check so I would be able to pay my rent and electricity bill.
Today, XX/XX/XXXX they attempted to cash a different check for the same amount that I did not sign or otherwise authorize. I do intend to pay the balance as soon as I'm able but I will not pay until they can guarantee they will not attempt to cash fraudulent checks in the future.
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| 02/11/2023 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Today is XX/XX/23 and I had called Check Into Cash a month or so ago asking if there was any outstanding balances owed. I was told there was no outstanding balance. I was not informed anything of wether or not the debt may have possibly been sent to a 3rd party collections agency or not. If that was the case, why was I not informed if there was still a debt being owed for that account regardless if it was sold? To my understanding, I do not owe any debt to Check Into Cash. That phone conversation can be pulled up and evaluated for accuracy of my claims. On XX/XX/23 XXXX XXXX contacted me via text regarding Check Into Cash loan. It was stated at the end of the text message that " this is an attempt to collect a debt ''. If that is true, I was misinformed by Check Into Cash for falsifying the details of my account with them. Due to this miscommunication, if money is indeed owed then the collections needs to be removed from my credit report immediately upon receiving payment.
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| 02/01/2023 |
Yes |
- Payday loan, title loan, or personal 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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On XX/XX/23 I spoke to XXXX. I requested for statements to be mailed to me with the itemization of charges, amount of the payment being applied to the principal balance and the amount being applied to interest. I was told that it could not be provided to me through mail or email. Nor is it available on their website. I have had a total of {$8100.00} taken out of my checking account they are not applying payments to the principal balance of the account. I still owe {$1300.00} and only borrowed {$2200.00}. To are in violation of XXXX XXXX, FDCPA. I requested a physical address to write a formal complaint and send certified mail. XXXX advised they were directed not to provide XXXX XXXXXXXX XXXX address only a XXXX XXXX another violation. I am requesting the balance be forgiven & payments reimbursed back to me to avoid me filing a law suit against them. I am requesting the physical address so I can prove it to an attorney that intend on retaining if my request are not met.
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| 02/21/2023 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX and XXXX are attempting to collect an alleged debt of {$300.00} for a Check Into Cash loan. I have not received correspondence from these 3rd party agencies when I submitted a complaint regarding the debt in question. I called Check into Cash directly to see if there were any outstanding loans and they said there was not any in my account. I was not informed anything about still owing a debt wether it was sold or not. I was specifically told that there was no debt. I need the {$300.00} collections account to be removed off of my credit file immediately. Calls can be traced and I am not at fault for any misinformation. I think an email may have been typed in wrong when I sent in my first complaint. That was regarding XXXX XXXX and the text messages I have received from them for the same debt. XXXX is being reported on my credit file and I am being contacted by XXXX XXXX. Both companies are now aware of this complaint and I will resubmit another to XXXX XXXX.
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| 10/12/2023 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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I am sending this complaint because of this company speedy cash they are putting false information in my credit report I guess a debit collector to over the debt and they are putting that this loan was opened XXXX min ago witch is false information this was opened in XXXX an the amount listed is not correct and the dates are incorrect I asked for this debt collector company to send me proof that I even opened a loan with them 3 months ago I have not heard nothing back I ask for proof that this loan was signed by me on XX/XX/XXXX as they listed on my credit report witch is incorrect information I never signed anything with this company on XX/XX/XXXX and they have no proof stating or wet signature that I did this loan was open with this company back in XXXX and the debt collector XXXX as they are listed on my credit report listed this as a new debt just opened and that not true I want this investigated and removed from my credit report because its false information.
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| 02/17/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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This loan was sold to XXXX XXXX who in turn sold it to XXXX XXXX XXXX. I reached a settled with XXXX XXXX XXXX XXXX XXXX and on XX/XX/XXXX had paid {$2100.00} last payment on XX/XX/XXXX of {$600.00}.
I have been monitoring my credit since then to see if this will be reported to the credit bureaus and it still hasn't. I have filed several disputes with the credit bureaus and nothing is been done. On XXXX XXXX, I called XXXX XXXX services and Cash Central and no one wants to take ownership to resolve this.
The same day XX/XX/XXXX i sent out registered letters to Cash Central XXXX XXXX XXXX and XXXX XXXX XXXX and the post office has been unable to get them signed because either the business doesn't exits or no one wants to sign them. USPS tracking numbers XXXX, XXXX and XXXX.
I want this is resolved. I also have a letter which was sent to me by XXXX XXXX about the settlement and stating the debt is paid as agreed. I want this reported to all the credit bureaus
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| 11/13/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
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- Struggling to pay your loan
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Web |
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I accepted a payday loan of {$500.00} on XX/XX/XXXX. The original due date was XX/XX/XXXX I was going out of town due to a family emergency. I had asked to go on a payment plan in hope that things would get back on track unfortunately my hours were cut I am on a fixed income and Im barely making it. Today XX/XX/XXXX I reached out to see if there were options to set up arrangements to pay. I was told that due to the extended payment plan Im on the agent is unable to move it. I explained that my account is going to overdraft and I can not afford to have it happen and she didnt say anything. I can not afford an overdraft I have bills and other obligations to pay. She said if the payment doesnt go through it will go into the in house collections. I have previously had loans in the past and they were successfully paid and now there isnt any accommodations. I am not very happy. I am on a fixed income and Im barely making it. I would like a resolution to this matter
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| 05/21/2022 |
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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I requested debt validation via certified letter on XX/XX/2022. I gave 30 days notice for the company to respond and provide me with the information that I requested. I received no response.
I then sent a second letter via certified mail on XX/XX/2022, requesting that the company cease the reporting of unverified, invalidated inaccuracies.
On XX/XX/2022, I received a letter from the company along with a copy of the alleged loan agreement for an alleged amount of {$2000.00}. The letter also indicated the company had responded to my request on XX/XX/2022, though the letter does not indicate how the company attempted to contact me. I have no knowledge of this alleged correspondence from the company in XXXX of 2022.
The company continues to ignore my requests, and the company has failed to provide me with validated debt that they claim I owe them. The company continues to provide inaccuracies, unverified, and invalidated debt to credit reporting.
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| 01/18/2023 |
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 |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Account XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 09/05/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : -XXXX {$1500.00} -XXXX XXXX {$440.00} XXXX XXXX XXXX XXXXXXXX XXXX {$690.00}
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| 04/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported as open and past due which is a violation of FCRA and XXXX XXXX Compliance.
I have disputed this several times in attempt to correct the inaccurate information that is being report, however XXXX XXXX XXXX has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
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| 05/19/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
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Web |
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I made two payments to my account and my premium didn't go down. When I called about the problem they said that when I applied for the loan that I must have hit the refinance button by mistake but it's nothing they can do about it. I asked them why would they approve a refinance on the same day that the loan was taken out on when it's not going to be beneficial to the customers. And all she would say is that it's something we offer to the customers. They are intentionally taking advantage of customers. I would like this company investigated and shut down. They said it happens all the time. Yet they haven't fixed the problem. Literally when you are filling out the application for the loan it's a button on the screen saying refinance and all you have to do is put the button and its done. No signature or nothing. It's very confusing because people think it's part of the loan process when they are just taking your money.
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| 03/30/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
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I took out a loan for {$1100.00} in XX/XX/XXXX. The first payment of {$530.00} was deducted on XX/XX/XXXX. I have since paid {$370000.00} in CAB fees. This is egregious, and although I thought I understood the repayment process, I am still paying this loan. They said I must make six months of CAB payments before I can pay off the {$1100.00} loan. I feel that this is predatory, and they should be required to apply some of the CAB fees to the loan principal without me having to call back three days after I pay the CAB fees to make an additional payment to pay down the principal.
I signed the contract but was not fully aware of the CAB fee process. It was explained to me, but I still think it is predatory in that they have collected triple the original loan amount. I have sent a cease and desist letter via email requesting that they discontinue debiting my account, and I am requesting arbitration to settle the debt.
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| 12/28/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
A speedy cash loan account ( XXXX ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.
A copy of my Identity Theft Report and proof of my identity.
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
I appreciate your prompt attention to this matter, and await your reply.
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| 12/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
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Web |
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I had paid off a loan XX/XX/XXXX or so I thought. I checked my statement XX/XX/XXXX only to find out was charged an interest fee on top of other fees after paid off. When I went to pay this off XX/XX/XXXX amount had changed from XXXX to XXXX charge. Then I was also told they can not close my account I have to call another phone number to do that. The loan employees at Check Smart did not explain that your charges do not end with the payoff of your loan but they keep consistently going after that. Very deceiving to people. I will Never use this company or recommend Anyone to use them!
I call XXXX XXXX XXXX and closed my account and hope this is the end of them and Check Smart. How are they allowed to get away with this? Statement does not have actual amounts that I actually paid. I paid {$300.00} for my loan not {$270.00} then another {$2.00} not {$2.00}. Why are they not audited for posting incorrect amounts?
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| 03/17/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
|
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Alleged payday loan that I took out at an undisclosed date. XXXX XXXX is the alleged debt collection agency that " CHECKINTOCASH '' ( https : //checkintocash.com/ ) sold my account to.
When I look up their phone number online, it comes up as a reported payday loan scam. There is also nothing on XXXX that comes up about XXXX XXXX.
They have a 10 year old address on file and did not call ME, but my old roommate. And left a voicemail saying they were going to garnish wages. I asked to please have formal mail correspondence sent to my current address for review and they refused and offered to email it to me only. They are rude and cut me off and don't let me ask questions, just how I wanted to resolve the debt.
I do not trust that this is a legitimate debt. I called Checkin To Cash and they have no records of this. It is also not on any of my 3 credit reports.
Please help me validate the scam.
Thank you
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| 10/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
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Web |
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I loan from Checksmart XXXX times. I signed up for a payment plan and was working on paying off my loan. I paid my XXXX payment on XX/XX/2022 I called on my next payment date because I was scheduled to work at both of my jobs and couldnt make it in. Asked what I could do before the payment plan my payments were set up on XXXX They told me they will just cash my check and once it clears I could come in for my refund. I waited for my check to clear it did. I went in to get my refund and they said I could reload but he couldnt give me my {$180.00} in cash that it would be electronically refunded in XXXXXXXX XXXX. Today is the XXXXXXXX XXXX and I havent been refunded. If they see everything cleared why would I need to reload to have cash instead of just giving me my money back. Its like they want me to have to keep loaning. If I was eligible to reload then there is no reason I couldnt be given my money.
|
| 04/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
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Check into cash, exceeded ACH withdrawals numerous of times from my account and because of them my account got closed despite that my account got closed they still sent me to collections and was getting harassed and build on a daily basis and I still sent them to cashiers checks And I just received a phone call yesterday from them on a different number. I dont know how they got my new number or how they found this phone number but they called and demanded payment so I went through my bank statements that I received when the bank account was open and I seen that, they deducted more than what they shouldve have because I only recall taking out one payday loan or so I demand reimbursed payment of {$900.00} from check into cash for taking more money than what was signed for and agreed of terms. I honestly feel like checking the cash, not only are they harassers but thieves and I demand and expect justice
|
| 01/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Three to four different debt collection companies have tried to place a collection from this company on my credit reports. I have gotten the debt removed each time because its fraud and each time they try to file for a different amount claiming to be owed by me. One collection was for {$370.00}, another {$190.00} and now they are claiming I owe {$150.00}. Which makes no sense, I never had a loan with this company and if I did why would they collection amount be different each time they file? This is fraud please stop this company from using my SSN, they are harassing me and affecting my credit. I DO NOT OWE THEM MONEY AND WILL NEVER PAY THEM ANY MONEY. Attached are screenshots of the {$370.00} they attempted to charge my XXXX account which I never gave them my name one their so Im confused how they tried to charge that account. And attachted are screenshots from experian deleting this debt twice.
|
| 07/12/2022 |
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 |
|
|
The Fair Credit Reporting Act requires that the credit reporting agency report accurate information. XXXX XXXX XXXX has me in collections for XXXX accounts. Original collectors reported as XXXX XXXX for {$560.00} and Easy Money {$610.00}. I am reporting both for predatory lending targeting a certain economic group and using unlawful practices for monetary gain. This is a violation of my rights under the Fair Credit Reporting Act Title 15 us code 1663 Advertising of open end Credit plans. 15 US Code 1691 D2 Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. 15 US Code 1692 A Abusive Practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices contribute to the number of personal bankruptcies, marital instability, to the loss of jobs, and to invasions of individual privacy.
|
| 06/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
Approved for loan on XX/XX/23, and have correspondence that should be in my account XX/XX/23. As of writing this on XX/XX/23 I do not have the funds.
After XXXX hours, Cash Central put a message on their customer service number that says you should expect to have your funds by the end of the business day. That has been up for XXXX days now.
Upon reaching customer service individuals, there is no current way to cancel because the loan is " in progress '', even though clearly XXXX files have not been sent to the RDFIs. At this point on XX/XX/23, their reps are now leaving you in the queue for an hour and immediately hanging up when you reach the front of the queue.
I have asked in writing and via phone multiple times for written correspondence of the issue to provide to my financial institution to attempt to mitigate fees, to no avail. I have no recourse to solve this issue at this point.
|
| 03/14/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I keep getting calls from this fraudulent debt collectorny XXXX XXXX XXXX Phone number ( XXXX ) XXXX, ( XXXX ) XXXX, and other numbers. They are claiming that I owe a debt to an online payday loan company called CHECKSMART LOAN. I do NOT owe this company anything.
Checksmart loan has also pursued me through another fraudulent debt collector called XXXX XXXX XXXX ( XXXX XXXX XXXX ) which site isn't even working because they are scammers. They call me from XXXX and XXXX.
Please help me stop both fraudulent debt collects from contacting me about a loan I don't owe. They are very threatening, belligerent calls. They call me multiple times a day saying that they will send people to take me to jail, that they will show up at my job, that they will take me to court. It's just too much. I need these Please penalize Checksmart Loan for making false accusations that I owe them when I don't.
|
| 07/07/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This company contacted me a XXXX months ago on XX/XX/2023 threatening to sue me if I didn't pay them for a charged off debt with Speedy Cash. They had sold the debt to a company called XXXX XXXX XXXX whom I paid through a debt consolidation company. I sent them the receipt for said payment and at the time they basically declined to accept it. Prior to that I provided them with my debit card number. Because they refused to accept the receipt I called Speedy Cash whom they were saying was going to sue me and they said they were doing no such thing. I cancelled that debit card before they could do any damage. I had blocked their number but today they got through again leaving me a message saying this was a notification of a legal action. I did a reverse look up of their number and they come up as a scammer. The most concerning thing to me is that they have my social security number.
|
| 10/26/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Received Email back in XXXX saying I owed a debt I electronically filed a dispute with them at XXXX as requested on the email they sent me. They failed to get back to me with the information that I requested as I have no knowledge of the debt. I have now learned that they have placed a collection record for the past 2 months with the credit bureaus.
As I disputed this and they failed to provide me with any information whatsoever, they have no legal right to place that record on my credit reports and I requested that they remove them immediately. They have failed to acknowledge my emails confirming that the collection will be removed but did confirm that they will research the debt and get back to me. In the meantime, between their failed attempt to validate the debt back in XXXX, they illegally placed a collection on my credit report which I need removed immediately.
|
| 03/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
Through XXXX XXXX I was approved and received three ( 3 ) notifications for loans in the amount of {$5500.00}, {$7500.00}, and {$6800.00} but upon clicking through the emailed link for {$6800.00} I was subsequently denied at SpeedyLoan. For reference : XXXX : The firm listed below is ready to set up ( 1 ) large direct deposit ( By Saturday ).
Please review the details below and then complete the process by following the link under this message.
Direct Deposit Details Lender : 2023 XXXX XXXX To : XXXX XXXX : Up to {$7500.00} Estimated Processing Date : Saturday, XX/XX/XXXX by XXXX XXXX XXXX Immediately pay for things like upcoming rent, last month 's electricity bill, take a trip this Spring, or pay for anything at all.
This process is 100 % secure + confidential.
Confirm Your {$7500.00} Deposit Here This newsletter is part of your recent inquiry at XXXX XXXX.
|
| 08/07/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Recently robocalls sent to my relatives and mentioned legal action, saying there were two complaints : that I attempted to defraud a bank and unpaid pay day loan in 2015. I called the numbers and they listed addresses I've rented at but I've lived in my current residence 7 years in another state. They knew my birthdate, as well as former job, which can all be found online. Mentioned that I've never gotten a certified letter and all my other forwarded mail reached me no problem. No clue what they're talking about and he backed down when I said since they have my current address they could send a certified letter there and I'd have my lawyer take a look.
XXXX, XXXX were the two numbers they gave to my relatives.
My social security was leaked during a data breach from XXXX a few years ago so I'm thinking that's where they may have been able to get so much information.
|
| 10/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a email letter from Speedy Cash for a missed payment in I never applied or took a loan so I called the number on the email, then after they kept asking for my social security number, I hung up and called Speedy Cash from their Internet provided number, and spoke with a real Speedy Cash employee and was advised that someone attempted to take out a XXXX loan in my name via online application, I believe this was caught due to my phone call. However I have now ( XX/XX/2023 but dated XX/XX/2023 ) received a paper mail debt collection notice that echoed the email attempt at getting a payment. The phone number they requested I call was ( XXXX ) XXXX. I did not and again called the real speedy cash at the Internet listed number. They advised that the previous call for fraud had been recorded and gave me this web sight to report this case event.
|
| 03/23/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I am currently injured and awaiting XXXX for a workers compensation injury and have an EXTREMELY FIXED income and get credit report notifications daily via email and text messages. I woke up to both alerts of a XXXX XXXX XXXX XXXX drop XX/XX/XXXX. 2023 at XXXX XXXX. I immediately contacted Speedy Cash on XXXX XXXX XXXX ( closest proximity to my address ) and they directed me to file these statements. I had previously applied for a loan to bail my son out of XXXX however was denied due to my low income level, So how was I supposedly approved 3 weeks later and XXXX XXXX were ever received in my financial institution? Speedy cash was not informative nor told me what account nor any information regarding this XXXX I supposedly received. My workers comp checks are XXXXXXXX XXXX weekly and I live under the line of XXXX! Please help me in this matter!
|
| 09/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
SCIL, INC., D/B/A SPEEDY CASH COMPLAINT FOR EQUITABLE RELIEF FOR VIOLATION OF SECTION 1 OF THE SHERMAN ACT, 15 U.S.C. 1 The aforesaid agreements unreasonably restrain trade and are illegal under Section 1 of the Sherman Act, 15 U.S.C. 1 Title 15 U.S. CODE 1 - Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court.
|
| 09/16/2022 |
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 |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2022 I have no knowledge of this account. I asked that it may be removed.
Avio Credit Inquiry date : XX/XX/2022 I have no knowledge of this inquiry. I disputed it and asked that it be removed, XXXX XXXX Inquiry date : XX/XX/2022 I have no knowledge of this and asked that it may be removed.
XXXX XXXX Bank.
XXXX date : XX/XX/2022 I disputed it and have no knowledge, I ask that it be remove from my credit report.
XXXX XXXX File : XXXX XXXX XXXX Inquiry Date : XXXX XX/XX/2022 I have no knowledge of this inquiry and asked that it may be removed from my credit report.
XXXX XXXX Account : XXXX Reporting 17 Late payments Actions taking : writing goodwill letters that I was strongly impacted by the coronavirus. I lost my job. And was also XXXX. I offered medical records.
L
|
| 12/07/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
I applied for a payday loan online. I was approved for {$470.00} dollars and never recieved the funds in my account. After weeks with customer service nothing has been done, and they even tried to charge my card for the loan. I discovered they had sent it to the correct account number but had messed up the routing number. I have provided them all the documentation they have requested from me, in order to prove they had made the mistake and I have called upwards of 30 times to the response " it is being looked at, but you are still responsible for this loan. '' Which seems illegal and is why I am having to reach out to CFPB for help on the matter. This was my first time applying for a payday loan and speedycash is in my opinion allowing people like me to pay for their mistakes, with no actual service from customer service.
|
| 01/05/2023 |
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 |
|
On XX/XX/2021 I received my credit report showing several payday loans from this company. ( Speedy Cash ) I was not aware of this loan and reached out the company to dispute these charges. I sent the debt validation letters to all 3 credit bureau and I never received any documents. I was requested to provide my ssn, birth certificate and drivers license to the bureau. Once I submitted that information to get my account verified the bureau then used my information to update all of my inaccurate personal information on my credit reports. Speedy cash then used that information and updated it on their end and then sued me. Even after I contacted them stating this loan has been obtained via identity theft. They used my accurate information to put the loan on myself. That is illegal. This is against my rights as a consumer.
|
| 10/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
Servicemember |
|
I had a loan payment due with cashcentral on XX/XX/2022 in the amount of {$280.00} that was supposed to be withdrawn automatically from my checking account. I called cashcentral on XX/XX/2022 to let them know that I can not make that payment and asked if I can pay a smaller amount of {$100.00}. I also asked to do an ACH revoke so that they could not withdraw from my account. Cashcentral agents agreed to both. On XX/XX/2022 cashcentral debited {$540.00} from my checking account which was my full remaining balance. I called my bank to have the debit removed. On XX/XX/2022 cashcentral once again debited {$540.00} from my checking account and I could not have it removed. I called cashcentral on XX/XX/2022 and they denied that an ACH revoke was even made although they have all recordings of the phone calls I made to them.
|
| 11/29/2022 |
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 |
|
|
*There are numerous collections and fraudulent accounts that have been sticking to my credit profile affecting my credit * Debt collection agencies have been harassing me for payment for accounts that were reported as not me * Debt from fraudulent accounts and bills reported on my credit that's also not belonging to me * I have payed numerous credit repair agencies lot 's of money to fix these collections and fraudulently open accounts and no results * There was Payday loan opened up that was not me * delinquent account for also a Vehicle loans or and leases XXXX XXXX XXXX XXXX ( Original Creditor : SPEEDY CASH XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Account information disputed by consumer under the Fair Credit Reporting Act XXXX XXXX XXXX Date opened : XX/XX/XXXX {$5900.00} XXXX XXXX XXXX XXXX $
|
| 11/25/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
On XX/XX/XXXX I contacted an online loan company called Speedycash. They called me on this number XXXX. They told me they was going to send me XXXX to make sure my account was active and then I send it back to them and then they will send me my loan. I thought they were sending me the XXXX, I sent it to XXXX and they gave me the address to send it to bitcoin. I was a little leary and thought it was odd but did it. Then told me they couldn't send me my loan amount because of my credit score. I told them that made no sense. Come to find out the bank credited me the money because the loan company called my bank acted as me and disputed the transaction. Then the bank took away my credit. My account is now XXXX XXXX can't help me and now I'm going to have to make payments to the bank until the account is right.
|
| 10/03/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I contacted XXXX XXXX XXXX XXXX ( original creditor : Speedy Cash XXXX ) at the address of XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, KS XXXX which is the address that is showing on the credit reports of XXXX, XXXX, and XXXX to request for this company to send me validation of debt ( this company alleges that I owe {$96.00} that is being reported on my credit reports ) and to show proof that they own the debt. I have not received a response from this company at all since I mailed the letter dated for XX/XX/2022. Since XX/XX/2022, this company is still as of today 's date of XX/XX/2022 is defaming my character and is negatively affecting my ability to get approved for credit because of their negligence to respond and correct this unverifiable, negative furnishing of information to the credit reporting agencies.
|
| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
Payday loan taken in XXXX and repaid over double amount borrowed. Interest rates does not comply with laws of Virginia.
https : //law.lis.virginia.gov/vacode/title6.2/chapter3/section6.2-312.
The state of Virgina caps interest rates on lines of credit at 36 %. Payday lender sold account to collection agency - XXXX XXXX which has reported the debt to all XXXX credit bureaus since XX/XX/XXXX. I have reached out to both companies requesting my initial contract and payment history and have not received it. I explained that because the loan was predatory and now unlawful, it should not be reported on my credit reports. I still have not received any responses but was sent a settlement offer decreasing the {$1300.00} to {$1000.00}. I declined the offer and asked for my contract and payment history.
|
| 08/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/2022, I checked my spam folder and noticed 2 emails, sent by two different individuals on different days, both stating that a case would be downloaded in a few days that the court house if I didn't pay back money that was owed. It listed options but never once stated the business that the money was owed to. In the emails, an individual is listed as a point of contact as well as other allegations that will be used against me. They are : XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER I have not reached out as it was in my spam folder, but those are hefty allegations to put against someone without giving them ALL information.
|
| 02/10/2023 |
Yes |
- Debt collection
- Payday loan 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 got a Payday Loan from Check Into Cash back in 2007. I thought we paid it off. I have gotten several phone calls from " XXXX XXXX " a few days in a row now. His phone # is XXXX. He claims to be contracted by the federal Government to prosecute check fraud. He swears, He yells, He says I'm going to have you arrested today, I'll ruin your credit, I'll get you fired, I'll take your tax return if you don't pay me {$870.00} by XXXX or XXXX right now. He called my Mother in law, my step mother, my brother in law, my wife & made the same threats. He left several voicemails on each line so I have proof of these actions. When I spoke with him he refused to provide any documentation to support his wild claims.
I have talked to legitimate debt collector about debts. Never are they this hostile.
|
| 02/18/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX I was unable to make a payday loan with Check into Cash that I had renewed for over a year do to my income being cut short. In the month of XX/XX/XXXX I was able to payoff most of my collection accounts listed on my Credit Reports. I paid to Check into Cash an agreement amount of {$250.00} to settle the debt that was collected by agent XXXX XXXX # XXXX with XXXX XXXX / XXXX XXXX XXXX. Payment Conformation # XXXX issued by XXXX XXXX. The account was removed from my credit report after a process was completed in XXXX.
On XX/XX/XXXX this was listed on my credit report as a collection account which is totally incorrect. I spoke with XXXX XXXX of XXXX XXXX XXXX @ XXXX to provide my payment information and I was told by him to dispute this matter online to an email that he provided.
|
| 12/04/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I received a phone call stating that I was required to pay back a loan that I did not have from 2015. The company was easy money payday loans. They said they have sent out several notices to my email my home address and I have not received any of these notices, this company stated that they were going to see fraudulent charges because I did not pay back this loan. I asked for more information about this and was told I had a {$500.00} loan never paid back and now they are collecting {$1200.00} if not paid right then they would see garnishment of my wages. I dont know anything about any of this and told them this was a scam and they said if it was a scam how would we have your personal information. I ended up hanging the phone up and they call me and my family several times a day.
|
| 10/04/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX purchased my account from Cash Central. I took out several online loans through Cash Central and all of them were paid. I was notified when they were paid by their website updating automatically that there was {$0.00} owed and the account was not past due. These were set up on automatic debit. I have screenshots from Cashcentral.com 's website which show that none of my loans are past due and I owe nothing.
XXXX XXXX XXXX has refused to send proof the debt was paid. Sending an original loan document shows there was a loan not that there currently is a loan.
The bank account the loans were drafted from don't go that far back, but as you can see from the screenshots all of my loans show {$0.00} past due and nothing owed because I've paid off my loans.
|
| 01/24/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Loan A/c Number : XXXX Amount Due : {$1300.00} Legal Process Begins : XX/XX/2023 We are disappointed that you have not taken any initiative to make reasonable arrangements to resolve your delinquent balance.
If we do not receive payment in full of the entire delinquent balance by XX/XX/2023, your file will be referred to our attorney for possible legal action.
If you wish to avoid legal action and the possibility of incurring court costs, attorney 's fees, and considerable inconvenience, remit the payment of {$1300.00} or contact us to discuss reasonable arrangements to do so.
If this matter is not resolved by XX/XX/2023 all further correspondence will be made through our attorney.
Do revert ASAP.
Regards, XXXX XXXX XXXX & Collections Speedy Cash
|
| 08/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I XXXX XXXX, was contact by someone named XXXX XXXX, who didnt leave the name of the company she is with, she left the claim number XXXX. Stating she is calling regarding my account with check into cash. The phone number she left for me to call her back is XXXX. XXXX XXXX also stated if this matter wasnt taken care of today XX/XX/2022, she would be sending an officer to my location to have me arrested.
I have contacted Check into cash myself, and was informed by a customer care representative that after checking all three of their systems, I do not have an outstanding account with them. She informed to make a police report regarding the fraud. I contacted my local police department and they advised to submit the information here.
|
| 06/30/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
THIS COMPANY STARTED HARASSING ME FOR THE SECOND TIME AFTER I HIRED XXXX LAW TO HELP ME CLEAR UP MY CREDIT. THEY HAVE BEEN TEXTING SEVERAL TIMES A DAY EVEN THOUGH I HAVE OPTED OUT OF TEXTS SEVERAL TIMES. THEY ARE ALSO CALLING ME SEVERAL TIMES THROUGHT THE DAY DURING MY WORK HOURS. I HAVE ASKED THEM TO STOP CALLING MULTIPLE TIMES. I ALSO ASKED THE NAME OF THE VISIT LAST TIME THEY CALLED AND SHE REFUSED TO TELL ME. I ONLY FOUND OUT THE NAME OF THE COMPANY ONCE I CALLED THE NUMBER BACK BLOCKED AND ASKED FOR THE NAME. THEY STATED THEY REMOVED MY NUMBER FROM THE CALL LIST BUT, THIS HAS BEEN PROVEN TO BE A LIE IN THE PAST. I HAVE ALSO ASKED FOR PROOF OF DEBT BE SENT TO THE ADDRESS ON FILE NBUT HAVE NOT RECIEVED ANYTHING.
|
| 02/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Today, XX/XX/23, I called speedy cash customer service. I was told that it was serviced by another department and then transferred. I was transferred to someone named XXXX. She told me that the loan was in their internal collections and was set to be sent to an attorney, but did not have a timeframe. She told me that the only option I had was to pay the loan in full. I asked if we could set up an arrangement to take care of the loan and she said that it had to be paid in full. I asked her for a letter to confirm the debt amount and she told me that there was nothing she could send and that their department did not send mail at all and that because she is on a recorded line there will be record of the conversation.
|
| 03/19/2023 |
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 |
|
|
Date : XXXX Credit Bureau : XXXX The lending entity Speedy Cash/XXXX made a hard inquiry into my XXXX credit file which caused material damage to my credit. I never completed an application with this company, and they need to remedy this issue by correcting the error. I also feel that many others have been affected negatively by this predatory behavior and the company should be fined. i am attaching photographic nature of the misleading FAQ on the Speedy Cash website which makes no mention of even pulling a credit report anywhere in the process. As I never completed the process the hard credit inquiry seems arbitrary and capricious in nature based on the spirit of the application, fraudulent based on the facts.
|
| 02/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
Basically I applied for a personal loan and my information was shared with unidentified parties. I started receiving phone calls and emails which I was skeptical about the emails. When I received the phone call the guy on the phone sounded like he knew my information already and said I was approved for the loan. He then sent me an email with a contract attached and asked me to respond to the email stating I agree with the terms. I know usually you have to sign the document but it was already to late because I sent my license and social security photos along with an i-9n Document to prove my identity for the loan. At this point I don't know what they plan to do but I want to make sure I protect my information.
|
| 09/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
on XX/XX/XXXX They gave a title loan to a person using my maiden name along with my social.. The person used a title for a car that does not belong to me along with a driver 's license number that is not mine.I spoke with their fraud dept on XX/XX/XXXX after I became aware of the inquiry into my credit from XXXX XXXX. I have filed a police report ( police will not give me a report as its a civil matter ) and a report with the FCC. I emailed the company proof that I had filed the police report and report with the FTC on XXXX. I called their office and was told I needed to have the FTC report notarized. I do not feel I should have to jump thru hoops for these people just because they did not verify information.
|
| 09/13/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I will provided attached documents that shows all violations. First off once the debt was sold to XXXX the contract became null and void, I did not ever give XXXX written concent to report on my credit. The letter they provided via my dispute states if I want to communicate with them I can contact their attorney. The origional company stated under Lender is different from what is on my report. The Principal amount on the contract is different from that of what is owed on my credit. The date of account opening is also different. Thats 6 violations at {$1000.00} per violation acording to The FDCPA. I am also demanding {$5000.00} in damages from the impact of the derogatory report on my credit.
|
| 10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
For over the past many years. I Have been going by the book on XXXX to go about ID-Theft/Data Breach, I am Now to a point where something needs to give, because now my XXXX XXXX XXXX daughter name is now coming to me in the mail ( NOT FAIR ), the first of the data breach letters. I want instant justification. I been looking sue Someone /Companies, I have done IDtheft.gov., I have made police reports. I am even willing to go in as my own lawyer as I do understand what is at hand here. I AM Unable to get anywhere or ahead or even get my business going due to all this credit report and false Information. It has now been 10 years dealing with this matter and on ways on how to come up in life.
|
| 04/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX I have been contacted in XXXX by the company saying I owe the above amount. I requested debt verification information and was told I would receive it within 90 days. I never received it so when they contacted me again in XX/XX/XXXX I again requested the info and was told would receive within 90 days. After the 90 days i asked the debt be removed but was told i would receive the verification in 30 days. I asked if it could be removed from my credit report and was sent another payment email instead of a response. I feel I have wasted enough time requesting the verification info and waited long enough with the negative debt on my credit. I would like the debt removed.
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX {$1700.00} ) has violated several of my rights. 16 U.S.C 1691 section 602 A. Clearty states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U, S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
|
| 05/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
Someone claiming to be from XXXX has been calling constantly for about 2 months- most recents are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I've called their number ( XXXX ) XXXX ) several times, and just get a voice menu to pay now or set up a payment plan. I visited their website, and it lists a debt of {$1300.00} to XXXX XXXX, and a immediate payoff of {$390.00}. I've never even heard of that company! After having visited their website this morning ( XXXX ), I've gotten 3 text messages saying they noticed that I visited their website ( XXXX XXXX and didn't select a payment option. On top of that, for the last 2 months, they have also been contacting my relatives!
|
| 06/06/2023 |
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 |
|
XXXX XXXX XXXX ( XXXX ) is attempting to collect on a payday loan debt that was initiated through Cash Central, a licensed Credit Access Business ( CAB ) in Texas ; CAB meaning, Cash Central do not offere loans in Texas. The loan was arranged with XXXX XXXX XXXX XXXX, my lender, in the amount of {$2000.00} on XX/XX/2022. I have attempted on several occassions to reach my lender, in an effort to resolve this matter. I noly had one loan, but on my credit I am reflecting two loans totaling {$3300.00}, especially since payments was made on this loan. I was never told about another loan for {$590.00}, when ask to provide a Note or loans agreement, no one would furnish.
|
| 08/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
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First I called Im XXXX asking how much I stilled owe and was told and the amount was twice the amount I had borrowed. When I applied I did not realize the interest rate at that time I gave them my bank account and routing information for monthly payments after 2 months changed payment route to debit card in XX/XX/2033 had trouble with my card did not make payment in XXXX did not give them permission to take payment out of my bank account XX/XX/2023 they hit my bank account for payment that I did not give them permission to do at this time I am in a bind fixed income and can not afford to pay double on a loan I have paid back fulll amount plus at this time
|
| 11/01/2022 |
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 |
|
|
hello i have a couple things i want wiped off of my credit because i am not resposible for opening these accounts. There is a autoloan and credit card with XXXX XXXX XXXX XXXX bank. There is also a personal loan with XXXX XXXX. that took place in XX/XX/XXXX. XXXX there is an overdue XXXX account with alot of late payments that i had nothing to do with from XXXXXXXX XXXX that i need off. It was opened XX/XX/XXXX. There is also a debt buyer account that is {$500.00} past due on my XXXX report, from XXXX XXXX XXXX ( first virginia ). I would like all of these that arent mine wiped off, and any other accounts that i didnt list to stay on my credit report.
|
| 08/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American |
|
Went online to obtain a payday loan or installment loan. People are representing themselves as Speedy Cash out of XXXX, GA. I called fraud people at Speedy Cash in XXXX, GA and they don't offer any services in Nebraska where I'm at and my name or SS # didn't appear on their accounting system.
I've also contacted my bank of the money deposited as being fraud as well. I am working with them on phone as I type this letter. Amount of money was {$990.00} on XX/XX/22 to XXXX ( XXXX XXXX XXXX XXXX XXXX ). XXXX Imposters names and phone number posing as banking lenders for Speedy Cash in XXXX, GA ( both are VoiP phones ) XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/29/2023 |
Yes |
- Debt collection
- Payday loan 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 |
|
|
My son contacted me saying that he had a voicemail telling him that I had used his address for legal reasons and that sheriffs were going to come to his house looking for me. So I called the number that they left they answered the phone as " legal office '' and proceeded to let me know that I owed a debt to check and go from 2017 and there's being charged with bank fraud check fraud defrauding a banking facility etc and that I was going to go to XXXX on XXXX XXXX if I did not pay this debt. I gave them my bank information instead of a payment plan, which I am getting ready to close that account now that I know that it was fraudulent.
|
| 08/28/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
LAST MONTH XX/XX/XXXXXXXX I RECEIVED AN EMAIL OF MY INVITATION TO THE XXXX XXXX XXXX XXXXXX/XX/XXXX TO THE XXXX XXXX. I WAS TOLD BY PHONE TO COME DOWN TO RAPID CASH ON XXXX ONLY TO GIVE ALL MY INFORMATION AND BE DENIED AFTER I WAS PRACTICALLY TOLD I WAS APPROVED. THEY PULLED UP SOMETHING FROM XXXX AND EVEN WHEN I GAVE MY XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX THAT WAS DISCHARGED XX/XX/XXXX. I WAS COMPLETELY IGNORED I TOLD HER WHY I NEEDED I FELT COMPLETELY FRAUDULENTLY USED FOR SOMEONE ELSE. I GET TO XXXX XXXX XXXX ALRIGHT LOOKING AT PEOPLE I BEEN REPORTING PRACTICALLY SINCE XXXX. I HAD NO BOOTH I HAD NOTHING AND I WANT ANSWERS.
|
| 10/11/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
I have contacted the company and spoke with XXXX who was clueless and asked me to ask the company which they sold the account to to furnish me with the 1099. According to 15 U.S. Code ss 1692g I asked for this debt validation. They have never contacted me back. This Company took a write off which makes me no longer responsible for the debt and they needed to provide me with a 1099 due to taking the credit for writing off the debt. No one has any idea what i was talking about and kept transferring me to other areas that couldn't assist me. They have violated my consumer rights by providing another company with my information.
|
| 05/29/2023 |
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 |
|
|
Upon a routine check of my credit report I found this account with XXXX, for a Speedy Cash payday XXXX. Not only do I think this is not my debt, it should also not be on my credit report. Neither Speedy Cash nor XXXX put this on my credit bureau when it was allegedly opened, but never followed the normal collection cycle. Had I seen this earlier it would have been disputed earlier. They put this on my credit for one reason only, to force me to pay a disputed debt. This is " weaponization '' at its worst! No company should be able to put an account on a XXXX without following the entire cycle of originations thru charge off!
|
| 08/02/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I got a notification that I had a collection account on my credit report and it was from XXXX XXXX XXXX with Cash Central. This account was included in my bankruptcy in XX/XX/XXXX. I called Cash Central XX/XX/XXXX and they verified that this account was in my bankruptcy and I would need to speak with XXXX XXXX XXXX.
They have been harassing me with phone calls and threatening to take me to court even though this account was taken care of. I called XXXX XX/XX/XXXX and was told this was in XX/XX/XXXX when that information isn't correct. I have the letter from Cash Central that I will attach to this claim.
|
| 12/22/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Back in 2013 a loan was taken out at Rapid cash in XXXX XXXX, Nv. 2 weeks ago this company electric document processing whose number reached out to me with a case number of XXXX and her name is XXXX XXXX, she advised me to a call XXXX XXXX XXXX XXXX. where a XXXX XXXX answered and transferred me to a XXXX XXXX of the XXXX XXXX XXXX XXXX, he claimed that he was trying to settle for {$500.00} Instead of the {$1000.00}, I advised him does he know what the statue of limitations is for Nevada and he said yes, its only 4 to 6 years, so I said why are you contacting me 10 years later, and he said Ill be served
|
| 04/12/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
Went in store Check into Cash XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX to Cash an check. Lady at store showed the check to her manager and the manager asked me what was the check for and from and amount on the check. She she told the lady to email the check to someone and call them. She called another lady on the phone and the lady said '' I'm looking at the check now is the customer there, yes, yes it looks suspect to me, have you called the bank, no, okay tell them you tried to verify and it couldn't be verified. " So I told the that's fine give me my check since you about to lie to me and I left.
|
| 08/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I opened this loan and was paying it back in installments every 2 weeks. I fell upon hard times and had to stop paying. My roommate left me high and dry and had to full rent on my own. I tried to make arrangements with them but I couldnt afford what they were offering. Id be paying for the rest of my life with the interest rate they charge with the amount that I can afford to pay. Im afraid that theyre going to take me to court or empty my bank account to recover their funds. Im not refusing to pay. I just cant afford to pay what they are proposing which is what Im behind on which is over {$1100.00}.
|
| 04/19/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
This debt is over 20 years old. Have not herd anything about this until I get letter on XX/XX/XXXX titled notification of lawsuits and civil complaint. Statute of limitations where I live is 6 years in Iowa where the loan would have been taken out is 5 years. I called this company XXXX XXXX XXXX at on XX/XX/XXXX after I received the letter. XXXXXXXX XXXX XXXX talked to some male that would only give his name as XXXX XXXX. Once I told him it was out side the statute of limitations he went on to say they will have charges brought up for malicious intent to commit fraud. At that point I ended the call.
|
| 12/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
I was told by speedycash I was given a loan via my bank. I do not have a bank nor had one. I had in past 5 years gotten loans from them only in person and paid them all. I got a text saying I got a loan and had a payment due the same day. When I called them I was told money went to my bank. I had no bank. I complained to XXXX who told me it's accurate. It is not. Now I see payments were made except not by me. Please fix this. I've worked for 3 years and haven't been late on one of my 8 credit cards and now it's ruined and XXXX can't tell me who's acct it is or who's making pymnts. Please help me.
|
| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
There is a collection account on my credit report which lists Speedy Cash as the original creditor. I don't recall having a balance due with Speedy Cash for the amount that's reporting on my credit report. Furthermore, I didn't receive anything about a debt being owed, or an account being sold. Please send all original documents for this loan as well as the balance due on the account. I am also requesting the correspondence sent to me when Speedy Cash sold this account. If you can not provide this information, then contact the collection agency to cease reporting of this inaccurate account. XXXX
|
| 05/19/2023 |
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 |
Servicemember |
|
21 Hard inquiries On my credit file that I did not authorize.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/08/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
A company called XXXXXXXX XXXX XXXX has suddenly called me about a debt they claimed I owe from XXXX. I never took out a payday loan. I called EasyMoney but they said yes there was an application under my social security number under someone elses name but that money was never approved. I also called XXXX XXXX and other payday loan companies and none had any record of a {$300.00} loan and neither do I ; I never took out a loan. This debt collector will also not provide me with a letter. I feel they are trying to scam me by falsely claiming I owe money and threatening to sue me in court.
|
| 02/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
My last Payday loan was already paid off in person in XXXX XXXX CA. Check into Cash but about weeks later, the business took additional {$300.00} funds out of my account. Contacted the store and the corporate and they said they will reverse the fund but wasnt done after several business days : The General Manager never follow-through with email correspondence since last week and the staff said they cant do anything about it to reverse the funds when they were contacted. Thank you for your careful review and advocacy regarding this matter.
With gratitude, XXXX XXXX
|
| 09/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have received multiple calls from Cash Central XXXX XXXX XXXX. They accused me of cashing a fraudulent check. I explained that I had never used a check cashing service. Then demanded my ss number to identify me. I said no, I have no idea who you are. He yelled and threatened me. I asked for supervior on the first call and he hung up. I called back and asked for a supervisor and was given to a ringing phone/disconnect. Today another call. I repeated the same truth that it was not me and he raised his voice and threatened me with the police. Totally unacceptable!
|
| 09/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
Never applied for loan I was cyberly hacked where I ended up leaving one bank for another. I told this company not to harass me, and they continue to do so through email, and regular mail as you can tell this has been over XXXX years. They threatened me with warrants, jail, and other form of intimidations. I responded very brutally with all kinds of XXXX words, and innuendos. I want these types of people to stop emailing me nor are they going to get any money from me I do not owe nor have I dealt with these people cause someone is obviously using my information.
|
| 03/02/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Collections agency called XXXX in XXXX ( XXXX, XXXX XXXX XXXX ) Account was paid in total of XXXX on XX/XX/XXXX on XXXX XXXX XXXX Was called about debt in XX/XX/XXXX from XXXX XXXX and XXXX about this debt again, told them that I already paid this debt Checksmart has no record of this debt at the location nor at the corporate level- I have not received a written letter about this debt or email, no verification. ' Told XXXX about this and they became rude and hung up the phone on me and didnt call me back, then added this debt to my credit report - what a sham!!
|
| 10/23/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
was this company and location that to my knowledge shouldn't have opened the account. It was stated by representatives at the CheckSmart location that the account shouldn't have been allowed to be opened because it was purposely misled. The representative that processed the account opened it with in accurate information. How is it that this was allowed to happen from the very beginning? This account was forced and the representative that opened was openly told that they it should have never been processed. It is your establishment that works with XXXX.
|
| 02/24/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
Today on XXXX XXXX my wife got a notice in her private email that I had a payday loan payment due for {$570.00} that supposedly had been originated on XX/XX/2023 at SpeedyCash. I was at work and not even available at that time. So obviously it was not me that created the application. Further, when we called to verify information, we were told the phone number and drivers license number did not match the rest of my information that was used. But, the account was fraudulently created anyways even though that should have created a huge red flag.
|
| 05/24/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
The problem I selected was the closest I could get to what happened but there was not an option to check for the true nature of my situation. Also, I have uploaded the typed version of exactly what happened. Basically, it was the title loan company let my brother take out a title loan on a vehicle that was listed with both our names on the title with and not or listed on the title so the loan should have been put in both of our names because we are being told that if the title states and one person cant do anything without the other person.
|
| 02/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I was contacted by a debt collection company collecting for Check into Cash in XX/XX/XXXX. I was informed of an outstanding debt of XXXX and entered into a payment agreement with the debt collection company. In XX/XX/XXXX I received documentation that the debt had been paid and that the issue was resolved. Since this point, I have had XXXX other companies reach out to me to collect on this debt. The latest was on XX/XX/XXXX. I feel that Check into cash is selling incorrect information to XXXX-party vendors for debt collection purposes.
|
| 12/20/2022 |
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 |
|
|
DATE : XXXX COMPANY NAME : CASH CENTRAL COMPANY NUMBER : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I HAVE NO IDEA HOW THIS IS ON MY CREDIT REPORT RECENTLY STARTED BUILDING MY CREDIT IN XX/XX/2022 WITH NO NEGLIGENT PAYMENTS OR ETC. BUT THE XXXX APP WAS UNLOCKED IS WHAT WAS NOW BROUGHT TO MY ATTENTION NOT SURE IF THIS IS WHY BUT WHEN I CALL NUMBER ATTACHED ON REPORT THE SAY THEY CANT FIND NOTHING WITH MY NAME MY MEANING FOR THIS MESSAGE IS FOR A REMOVAL OFF MY CREDIT REPORT
|
| 02/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Check into cash in XXXX Kansas set up payment on the XXXX of every month. In XXXX the tried to get payment on the XXXX instead. This caused an overdraft on my account and the bank charged me {$28.00}. I called them and they said I had to come in and show my bank statement. I explained I am in the hospital. I have had part of my foot XXXX and cant leave. Then they said if I dont come in to switch the account over they will send it to collections. I tried to resolve this with their complaint department but kept getting disconnected.
|
| 11/03/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
I took out this loan because I have been struggling financially due to medical bills, but I was perplexed about all of the fees due to the medications that I am on. I didn't realize that my income had dropped by {$2500.00} a month because a contract had ended. I only noticed it because I had my bank point it out to me. I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and more. We are in the process of figuring out what is the best move because I get confused very easily. I feel like I was taken advantage of.
|
| 11/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Repeated abusive, harrassing behavior nearly weekly phone calls despite I block and report all the numbers they seem to try to use.They refuse to be clear about how they say they are XXXX XXXX and multiple other names. I asked her to spell the name of her co. and she refused and was further abusive. Robo call prompts to call XXXX w/my case no. XXXX. They claim to be a mediator and the issue concerns Cash Central that I've never heard of. When asked to mail me all documents they hang up. I want these people stopped!
|
| 09/29/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have called the company multiple times over this past month to get access to PDF copies of my loan statement. Every XXXX weeks, I pay money and the balance is not moving. I have no access to my loan statements to see how payments are applied and what fees are assessed. I call them and am on the phone for over XXXX minutes often with no resolve. I've emailed as well and I still don't get access to my bi weekly loan statements. Yet, they auto debit my account every XXXX weeks. This is not truth in lending!
|
| 06/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
Speedy Cash has failed to validate what their alleging to be a debt owed yet someone at speedy cash has implemented measures to harass me by phone with calling and text messages which violates XXXX XXXX communications in connection with debt collection which is fraudulent in itself because theres no such thing as debt, subsection XXXX harassing, oppressive, or abusive conduct, subsection XXXX unfair or unconscionable means and subsection XXXX. XXXX false, deception, or misleading representations or means.
|
| 03/01/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have unknown addressses on my credit report and XXXX ( SPEEDY CASH ), has appeared without my consent. Section 604 15 USC 1681 B states credit reporting agencies dont have the right to report without my written consent.
I received a copy of my credit report, and to my surprise they are reporting this account incorrectly. This collection account is being reported not only as OPEN, but also shows a pst due balance.
Section 605 A 15 USC 1681 c-1 states without my consent, that is identity theft.
|
| 10/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Older American |
|
I was contacted by XXXX XXXX XXXX XXXX XXXX several times over the last month - each time I was told that I owe {$1300.00} to CheckSmart XXXX XXXX, and that I could settle for a payment of {$390.00}. I've never borrowed money from them, and I've had other " companies '' call and claim the same thing. On top of that, XXXX is calling some of my family members! I'd like to file a complaint about XXXX, and CheckSmart XXXX XXXX- I don't know who the scam is coming from, but it's one of them.
|
| 10/29/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am not liable for these debts ( attached ) with these collections company. I've reached out to each one of these companies numerous times for a contract between them and me. They've yet to reach out to me with a signed contract between myself and them. I do NOT have a signed contract with these companies. They're invading my privacy! Correction to my credit report, I demand that these fraudulent/inaccurate accounts be removed from my credit report IMMEDIATELY.
Thank You!
XXXX XXXX
|
| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
Speedy Cash - XXXX XXXX was asked on 4 different occasions to send me a copy of the payoff in the mail which did not happen.
I then made it clear to XXXX XXXX XXXX- Collections Supervisor that she would not appreciate this lack of cooperation if this concerned her as the consumer.
She then consulted with someone to finalize the absolute necessity of submitting documentation to the consumer should the consumer ask for it.
The amount paid in full on XX/XX/2023 was {$470.00}.
|
| 08/24/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX XXXX XXXX account # XXXX, originally a XXXX XXXX account is not mine. Per 15 U.S.C sec. 1681i ( a ) the laws states that a thorough investigation must be conducted providing accurate proof that this account or debt belongs to me and all information including signature must be accurate otherwise this MUST BE DELETED TO AVOID FUTHER DAMAGE TO MY PERSONAL CREDIT AND NAMESAKE! This account is illegitimate and was NOT my doing. Also it is someone else signatures.
|
| 12/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was contacted by Rapid Cash via a phone call asking for my social security number. I have never opened an account or received a loan through Rapid Cash.
A month after the phone call, I received a letter stating that I have an account # with R.C. And have a past due amount of {$1100.00}. The letter asked me to pay within 30 days and provided a payment stub and envelope.
I dispute their claim. I have never used Rapid Cash or received a loan through their company.
|
| 01/24/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
I had a payday loan and was in the repayment process. I was on payment 3. My payment was due on Sunday XX/XX/XXXX. This establishment is closed on Sundays. I went into the store on Monday after work and was told my check was already deposited. The girl said they '' tried to call me numerous times today. '' I was at work and had no access to my phone. I looked at my phone after leaving the store and saw they tried calling me once at XXXX and then again at around XXXX.
|
| 11/13/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
The debt that XXXX XXXX XXXX XXXX saying I owe is {$2100.00}. This was due to identity theft and fraud. dates are XX/XX/2023 and various other dates they are claiming. They used a address that is not mine a phone number that is not mine and a birth date that is not mine. This company has still not removed my collection from my XXXX Credit report which lowered my credit score XXXX points. Please help get this removed. I have never lived at the address they are using.
|
| 09/21/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Speedy Cash sold my debt to XXXX XXXX XXXX XXXX. Without my consent. XXXX XXXX XXXX XXXX does not have a contract with my wet signature on it. Also this same debt is being reported as {$860.00}. Which the original debt is XXXX. This Collection accounts balance has increased. Which is a clear FCRA Violation. Ive disputed this Collection account on numerous occasions. XXXX XXXX XXXX XXXX sent me paper work via USPS. Without a wet signature on the Suppose contract.
|
| 07/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On my credit report is XXXX XXXX XXXX for XXXX I wrote a certified letter asking them to validate the debt because I had never been contacted nor did I owe this kind of money to anyone. There was no reply. It's been a year and still no validation. I called and they said it was for speedy cash. I haven't had a speedy cash loan... ever. I even checked my bank account to be sure and nothing for the last 10 years has ever been deposited in my account from speedy cash.
|
| 09/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the co XXXX they stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.
|
| 10/19/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Received XXXX letters from XXXX XXXXXXXX XXXX XXXX saying I am seriously delinquent on a loan taken out in XX/XX/2022 from Speedy Cash. I don't know anything about this company nor have I borrowed money from them.
Company is Speedy Cash. Amount they say I owe is {$410.00}.
XXXX XXXX XXXX XXXX File # : XXXX I called XXXX XXXX Collection and they identified the claim by Speedy Cash and put a flag on it pending notification from you. Their Phone number is XXXX
|
| 06/27/2023 |
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 |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; I requested XXXX look into the above credit inquiries and they conducted an investigation and they completed it on XX/XX/2023 XXXX I also reported these inquiries throught IdentityTheft. gov. These inquiries are still showing up on my credit report when I never applied to do business with these companies.
|
| 08/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
Attempted to pay balance of XXXX online several times and was unsuccessful in the process due to the online site. Each day the amount increased and when I contacted Speedy Cash they advised it was nothing they could do and I would be responsible for the amount as it is today. I also sent a email with no response. I went ahead and made the increased amount balance payment. Speedy Cash had no issue taking the payment for the increase amount over the phone.
|
| 11/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
This company called me asking to speak to someone I know. I advised that this was not the number for them and I'm unsure how they got my number. I asked for them to stop calling me. Their representative refused to take the number off, disconnected the call on me and has proceeded to continually use their automated to call me.
The original number they called me from was XXXX, then he called me right back from XXXX. Then there was a text message from XXXX
|
| 10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Numerous Credit inquires against my credit in last few days that i did NOT make ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/23/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX XXXX This derogatory account was a result of identity theft. The original company was cashcentral {$310.00}.
This has been resolved with both companies yet XXXX refuses to remove completely after agreeing to do so. Many many many times Ive called and been promised they would remove completely. Still on credit report. I am purchasing a house next week with this derogatory mark which is illegally still there.
Leave my credit alone!
|
| 06/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
In 2014, I did a title loan and paid the loan off the following week. I received the title and everything seemed fine up until recently when I tried to get a duplicate title. That was when I found out that there is a lean on the title. I tried contacting the lean holder and was unable to get in contact with them. The place I received the loan from is closed. The lean should have have been removed from my title as soon as my loan was paid off.
|
| 02/20/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received an e-mail regarding debt collection today ( XX/XX/2023 ) from a company ( Speedy Cash ) that I never heard of or even applied for a loan. Upon calling this company and providing them the loan number on the e-mail, they attempted to get my birthdate and SSN number which I did not provide. They then told me to call their accounting department which will be open in 2 hours. I don't even trust this " company '' to even call them back.
|
| 08/04/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Speedy Cash previously sold a debt to XXXX XXXX XXXX. I paid the account in full and XXXX XXXX XXXX sent me a paid in full letter. Now, XXXX XXXX XXXX is trying to collect a debt that was already paid in full. Additionally, XXXX XXXX XXXX illegally re-aged the date changing the account open date to XX/XX/2023. I demand the account be deleted from my credit file. Please see the attached pay in full letter for Speedy CashXXXX XXXX XXXX XXXX
|
| 11/12/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This particular collection has been on my report since XX/XX/XXXX. According to the statute of limitations, a collection can only be on your report 7 years. + 180 days from when it became past due. XXXX purchased this debt in XXXX and it is still on my credit report, also they are still updating when it should be coming off. this year XX/XX/XXXX is when it should have came off.
I am requesting for this account to be removed completely.
|
| 05/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I called XXXX XXXX XXXX who has the debt now, I told them I never had that account, they said it was original a cash central.com account, which I never herd of, they said it was opened in an email address I never herd of and then told me the money was sent to a XXXX account and again I told them I have never even had a XXXX account, so they agreed it was not mine, so I have sent them everything I know how, and its still on my report
|
| 12/04/2022 |
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 |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency cantat furnish a account without my written + instructions.
15 USC 1666B : A creditor may not treat cik payment on a credit card account under an open end consumer credit plan as late for 284 purpose.
|
| 10/13/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
On XX/XX/2023, I went to the store located at XXXX XXXX XXXX XXXX TN XXXX. I stated I was having some financial hardship and I needed them to remove the XXXX payments from my account. I was told by XXXX ( store XXXX ) that he did but for me to understand that the company had a right to resume them if the account became delinquent. At this time my account is not delinquent and they can not resume a service that I asked them to stop.
|
| 10/20/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
They approved without validation of income or proof repayment. They have me listed as making XXXX dollars a month.Im XXXX, and my business income was consistently going down I had multiple overdraft fees in both my business and personal accounts. My credit card usage went up, and my credit score went down drastically over the past year. I was desperate for income due to medical bills, and this is by definition, predatory lending.
|
| 04/14/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX XXXX XXXX has called my Husband and my Son looking for me. When they called me I refused to " verify '' the last four of my social security number. They claim that I took out a payday loan in 2011 from a place called Check Smart Loans over the internet. I looked up their website and it's very suspicious to me.
Their website address is XXXX The phone number they have listed on their site is XXXX and they called me from XXXX.
|
| 03/19/2023 |
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 |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 10/27/2022 |
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, Speedy Cash has violated my rights.
15 USC 1681 section 602 states I have the right to privacy.
15 USC 1681 section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
|
| 12/12/2022 |
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 witht the FCRA XXXX XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
|
| 05/31/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I had a loan that was cancelled out in a bankruptcy in 2009. I was told to reach out and file a claim as the loan company I had it with shows nothing on file with them. I have been getting nourmrios calls from collection agency 's threatening me stating, my wages will be garnished, have to appear in court, and attested. My family members also are receiving calls in regards to this. I have a letter stating it's clear.
|
| 07/21/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Speedy Cash from Texas Continuously contacts me about t debt owed by my brother, I have asked them to stop, and they just say, it was a number they were given, I did agree to pass on the message about the debt, and now I get text messages everyday about my brothers payment not going through, and the need to pay the bill. I have asked to opt out of the messages, and nothing has changed. It has been over a month now.
|
| 07/09/2023 |
Yes |
- Debt collection
- Payday loan 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 |
Older American, Servicemember |
|
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Phone : XXXX Fax : XXXX Email : XXXX XXXX XX/XX/2023 Office file number : XXXX Dear XXXX XXXX : We have reviewed the email that you forwarded to us. It is a scam that we see very frequently. The most important thing for you to do is NOT to reply or engage with them in any way. In fact, you can mark the email message as junk and block the sender.
|
| 03/10/2023 |
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 |
|
|
In accordance with the fair credit Reporting act my rights has been violated.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 04/27/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They are saying I owe {$1500.00} to a company called check into cash. I have never hear of this company and never done business with them. They say they mailed something but I have received nothing and they call at least 10 times per day. I believe the collection company is XXXX XXXX he offered to settled for {$700.00}. I'm retired XXXX and have no debt, I sure would not need a check into cash loan. Please help
|
| 08/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no knowledge of this account. I believe my identity has been stolen and information has been used to obtain a loan with Speedy Cash. Company name : Speedy Cash Amount : {$750.00} Date : XX/XX/2021 Account # : XXXX Reference # : XXXX I reached out to Speedy Cash and they gave me the information to a third-party debt collector. I obtained all information from XXXX XXXX XXXX ( XXXX ) about the account.
|
| 02/08/2022 |
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 |
Servicemember |
|
on the one inquiry dated on XX/XX/2022 the company check into XXXX XXXXXXXX telephone # XXXX would put me through a series of diffrent departments then the phone call would alw3ays drop on numerous calls. Inquiry # 2 company name XXXX phone # XXXX i spoke with an associate to inform them i had no recollection for this credit account, i was told to pursue the matter with XXXX in order to have it removed.
|
| 07/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I checked my reports online. XXXX and XXXX. Are reporting XXXX XXXX XXXX account. Which has opening dates inconsistent. On All three Credit Reporting Agencies Reports. This account is Speedy Cash. Which was sent to XXXX XXXX XXXX XXXX. For collections from Speedy Cash. This account shows on All three of my Credit reports. Okay its inconsistent information. Which means this account should be removed.
|
| 03/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Speedy Cash Payday Loan : XXXX XXXX CFR Part XXXX - PAYDAY, VEHICLE TITLE, AND CERTAIN HIGH-COST INSTALLMENT LOANS I have reason to believe that Speedy Cash is in violation of 12 CFR 1041.7 by trying to repeatedly withdraw funds from my account. Please delete my file in lieu of this violation. Failure to do so will result in a civil lawsuit pursuant to the requirements listed in 12 CFR Chapter X.
|
| 10/15/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
Beginning in 2016, and every year since Speedy Cash lending has tried to get me to pay for a payday loan that I did not take out, payday loans are illegal in the State of Pennsylvania. Today the total of what I owe is currently {$21000.00}. This is money that I did not borrow I have scanned all of their documents so that it has dates and amounts that I owe along with their court costs and fees
|
| 09/04/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt is not mine- I was a victim of identity theft 5+ years back, this might have been a result of this. However, this should have already been reported as theft, and it just appeared as a collections on my Credit Report after YEARS. Collection agency has not responded to my Debt Validation, and therefore can not validate the debt. Please have this removed as soon as possible, thank you!
|
| 10/08/2022 |
Yes |
- Debt collection
- Payday loan 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 am being threatened by this company saying I will be arrested, seize my assets, and contact employer. This company is a debt collector saying I owe money that I do not owe. This company is also using dates that from 4 years ago which make no sense. I was not even able to acquire any loans 4 years ago. I am getting repeated emails that are threatening and harassing. I believe this is a scam.
|
| 05/13/2022 |
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/2022 I had a inquiry to come on my XXXX account that I have any knowledge of. The inquiry comes from a company called cash central. I reached out to the company and they could not find my info anywhere in their system. I have never tried to take a loan out with them and do not have any open installments with them. Someone has accessed my info and tried to take a loan out in my name.
|
| 03/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Cash Colorado LLC d/b/a Speedy Cash failed to exhaust all administrative remedies before filing a lawsuit. I did not know I had an outstanding debt with Cash Colorado LLC until they served me with a summons ; I thought I had paid it in full ; because I had not received any bill or correspondence from Cash Colorado LLC. The attorney fees, court fees, and interest are out of my means to pay.
|
| 11/01/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Anonymous person called me at XXXX on XX/XX/XXXX claiming to be a collection service for Check into Cash claiming I owe {$850.00} for a debt that went into collection in XXXX. I have never received a loan from Check into Cash. I also called the corporate office for Check into Cash to verify that I owed them money and they didn't find an open loan associated with my social security number.
|
| 08/03/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been disputing an account thats has been being reported on my credit report since XXXX. This account has been paid off since XXXX and I have been disputing it for three years. I have emailed a statement from EZ Money to the debt collection agency verifying the account was paid off. The agency said it wasnt sufficient enough and they wasnt going to remove it from my credit report.
|
| 04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
A fraudulent payday loan was made in my name. I became aware of the issue on XX/XX/6th 2023. I received a letter from XXXX XXXX about debt collection. The company name is XXXX. I reported that this was identity theft/fraud to them as well as XXXX, XXXX, and XXXX. I have put a freeze on my credit with all three reporting agencies.
When I checked my credit report this shows as a bad debt.
|
| 03/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
I got a loan from speedy cash of XXXX tx in XXXX
I paid it off in two payments within 35 days. I never heard from them. All was well, so I thought. Months later I received a notice on my credit report that speedy cash has sold my debt to a collection agency and it is now showing up on my credit report. Speedy cash can not attempt to collect a debt that has been sold. This is not legal.
|
| 07/26/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
Speedy cash has used multiple debt collectors Like XXXX XXXX located in California who have called multiple times using abusive degrading language after I told them to stop. I recently had a call at XXXX and I live in the XXXX XXXX time zone while California is in the XXXX XXXX XXXX XXXX I get at least 2-8 calls a week even after telling them to stop calling my phone at these late hours
|
| 08/31/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Rapid cash issued me a series of loans-4 within a one month period where I borrowed an amount then needed more so I went in and they increased the amount so I could pay off the prior loan and get more cash-help. I now have a writ of garnishment but am unemployed. Also no service if process, and the amount on the writ is higher than the judgment and hand written on my copy of the writ
|
| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
After reviewing my credit report, I noticed that your company reported my account 30 days late. I have never received a statement for this account therefore any late payments reported are invalid. I attempted to login online to make a payment on my account and there was no option to pay. How can I be reported late if not given the opportunity to pay? Please see the attached letter.
|
| 09/04/2023 |
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 |
|
|
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Flagged my account as collections for the amount of XXXX This amount was charged off about 2-3 months prior to this showing up. For a 7 and a 1/2 year old debt with ( speedy cash ) This company is trying to collect on a charged off account!
Speedy Cash is also responsible for Selling this account to them after the charge off date.
|
| 01/06/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX is still reporting and trying to collect a debt amount of {$290.00} for a payday loan from Speedy Cash who already was paid in full directly. XXXX XXXX needs to be removed from my credit file immediately upon this information. I do not owe XXXX XXXX any money at all and it is invalid and fraud for them to continue to attempt to collect money for a debt I do not owe.
|
| 08/11/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The same criminal acts by some person or persons NOT known to me at all in attempting or already attempted in getting a loan and/or credit by falsely using my name and identity.
I would like to have the Federal Bureau of Investigations ( FBI ) involved with investigations by the CFPB.
I have submitted a letter by an attorney for XXXX XXXX XXXX as my proof of this complaint.
|
| 08/31/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
I received an email claiming I owed speedy cash XXXX. I have never used this company before but have applied to them recently and was denied. This email is threatening me and stating to send XXXX now or else they won't help me out. They even have a case number. That number is XXXX. There is no header on the email and the phrasing is off. I will save email in case it's needed
|
| 10/19/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
XX/XX/2022 about XXXX a XXXX called from XXXX and he stated that he was going to send people to my home and work and applied that i might go to jail. I kept asking him if i was going to go to jail he did not reapply as i asked. I was scared, and i was thinking they was going to send people to my job and home. I was thinking who is going to watch my children if i go to jail
|
| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
Speedy cash issue was resolved a couple years ago and remove the fraudulent item off my credit report. Now they are putting back on there. Inaccurate information from their company has cause me XXXX health issues. That was already resolved. Remove this item off my credit file. I Will be taking this further to seek compensation due to these inaccurate issues on my report.
|
| 08/14/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company keep reporting inaccurate to my XXXX credit report I never signed any contracts with this company saying I will pay them never did they do not have my signature saying I agree to the debt they keep giving out a XXXX tracking number thats not even real this company is lieing to get by and keep reporting to my credit I will like proof that I own this company!
|
| 07/11/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
In 2020 I settled a debt to CALIFORNIA CHECK CASHING, through XXXX XXXX XXXX XXXX... The fair trade commission shut this company down for fraudulent practices after I paid my debt..Now CALIFORNIA CHECK CASHING is coming for me 3 years a debt collection company called XXXX XXXX saying I'm still liable for the debt and now they've added extra fees totalling XXXX dollars.
|
| 05/04/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
They called from a XXXX Oregon phone number and stated they were trying to mediate a loan I received in XXXX then changed it XXXX from check into cash. They stated they were going to garnish my pay check. I never got a payday loan from anyone. They called themselves XXXX services. Phone number XXXX XXXX XXXX. They had my ssn, my previous address and a really old email.
|
| 09/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I had an alert on my locked credit report from XXXX XXXX XXXX on XX/XX/XXXX for a debt in arrears. I called XXXX XXXX XXXX. XXXX is from Cash Central in the amount of {$700.00} taken out with drivers license that is not mine in XX/XX/XXXX.
I have never taken a loan from Cash Central. I have never received any communication from XXXX XXXX XXXX regarding this issue.
|
| 08/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
Payday loan was taken out on XX/XX/23, contract signed to automatic payment on XX/XX/23. Checksmart processed the payment on XX/XX/23. And their online suggestion is come back in and take the loan out again and we can offer half off the fee ( fee is {$88.00} ). We have contact the store manager and corporate and no one is willing to help with their error.
|
| 12/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX Loan amount XXXX wheres all these extra charges coming from. I tried calling and the representative responded the system may be glitching and nothing more was said.
|
| 08/15/2023 |
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 |
|
|
Avio Credit accessed my XXXX credit report on XX/XX/XXXX and XX/XX/XXXX. I do not recognize and did not authorize this access to my credit report. My credit report has an active fraud alert and is frozen/locked. Access to my credit file requires verbal approval to protect my identity. Additionally, I have opted out of pre-approved promotional offers.
|
| 10/09/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Recieved a few emails claiming there is an unpaid loam I need to resolve with speedy cash. Account was paid off a few years ago after contacting the company. The person continues to send threatening emails of me having a lawsuit and need to pay XXXX today or social security number will be blocked, major credit bureaus. Emailed came from : XXXX XXXX
|
| 07/22/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
Recived message from app easy money to pay the loan that I have not applied, than credited an amount of XXXX, than requested to pay amount of XXXX than payed the amount, than again recieving calls from different numbers again to pay the loan that even I applied, now they got contact details and blackmailling me to pay the amount in unknown link
|
| 03/02/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
About 8 years ago I took out a check loan. I took the loan out with Speedy Cash. I did default on the loan and now it is being reported on my credit with an open date of 3 years ago. This information is not correct. I have disputed the dates with the credit bureaus. Having this on my credit reported incorrectly is lowering my credit score.
|
| 02/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
During the application process I was told there was a low interest. I am an XXXX XXXX woman and I feel I was taken advantage of during this process. They basically forced me to take the money with high interest this situation is really hindering me and is not good for my credit report. I have reached out to the merchant and no response.
|
| 03/18/2023 |
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 |
|
|
15USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose
|
| 03/18/2023 |
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 |
|
|
15USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
|
| 03/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
Hello!
On XX/XX/2021 I submitted a complaint about Check In To Cash debiting my account after I had revoked ACH Authorization ( complaint XXXX ). After reviewing my bank account today, I see a debit from them again. Im not sure what else I can do to get them to stop getting in to my account. Help would be appreciated.
Thank you!
|
| 02/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX is the original account And XXXX XXXXt is attempting to collect on the debt that I have no knowledge of nor did I apply for I asked for verification and proof of an investigation and never received any information from the companies Nor the credit agencies that they are reporting to which is reflecting on my credit.
|
| 07/29/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I received a email saying that I owe money to a person with the email XXXX. It said that I took out a loan from a company called speedy cash loan in XXXX but I never did and never heard of this company. I called the company and they said I wasnt in their system and it a scam to get my information. They told me to report it to you
|
| 08/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
This is the second time I have filed a complaint. Please reference complaint ID XXXX. Their response is that there are bad actors out there that send this type of collection letter and they are not responsible for that. Please address this again. I believe they are sending this threatening letter and are lying about it.
Thanks
|
| 04/30/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
Older American, Servicemember |
|
The Truth in Lending was not followed by the Company, when asked if my final settlement pay ment I was informed that my Installment Loan, had turned into a Payday Loan and was due in the amount of {$1400.00}. I am not able to sustain this amount of money at One time. They were not concerned that I am A XXXX, XXXX years of Age.
|
| 11/17/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
I ASKED THIS COMPANY TO SUBMIT TO ME A CONTRACTUAL AGREEMENT SIGNED BY THEIR COMPANY REPRESENTATIVE AND MYSELF. I DID NOT SIGN AN AGREEMENT/CONTRACT WITH THIS COLLECTION AGENCY. IT HAS BEEN LONGER THAN THIRTY DAYS SINCE MY REQUEST AND SHOULD THEREFORE BE REMOVED FROM MY CREDIT REPORT. INACCURATE INFORMATION REGARDING ACCOUNT.
|
| 06/05/2023 |
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 |
|
|
I dis not apply for these auto loans I do not have a car or a drivers license to even get this i XXXX XXXX did not apply for these loans these loan an they need to be off my account please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
|
| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
Speedy cash does not operate in my State of Virginia. It is illegal and also illegal to come after me but they keep selling my so called debt and putting it on my credit reports AFTER I HAVE ALREADY HAD IT REMOVED!! It was just recently been put back on my report in XXXX XXXX XXXXXXXX and that is a complete falsehood.
|
| 09/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have a fraudulent credit report for XXXX XXXXXXXX which I never inquired for and also I have never even given them my information at all before! They have showed up as a hard inquiry on my account since XX/XX/2022. Also, speedy cash has a lawsuit for fraudulent activity that has now made its way to my collections!
|
| 11/30/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In the last CFPB complaint XXXX. I asked this company for very specific information, which to date has still not been provided.
I am requesting an actual physical transactional statement of all loans and transactions both successful and declined, which as an organization should not be taking this long to provide!
|
| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Please remove from my report any inquiries that do not have an account associated with it.
I went through a divorce last year and it looks like someone tried to apply for things without my consent. I am not certain that it is replayed to my recent divorce but I know that my ex knows my social security number
|
| 10/04/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
On XX/XX/23 Someone claiming to be an employee for speedy cash emailed and said I was approved for a loan of {$5000.00}. I completed the necessary documents and verified my bank account information so that the deposit could be made. The deposit was never made and I am now lead to believe I have been scammed.
|
| 05/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/XXXX with speedycash. {$300.00} is the amount taken out and this was not me. I have had this happen multiple times with these payday loan companies, and none of what was taken out was done by me! Please help me fix this, I have no idea where to start or who to contact. It is affecting my credit report!
|
| 08/05/2023 |
Yes |
- Debt collection
- Payday loan 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 |
Older American |
|
I have an imposter acting like a speedy-cash representative and they keep e-mailing me threatening to take me to jail I have already given them the e-mail address of the scammer I get them every week several times, Speedy Cash is aware of the scammers please contact speedy cash!
THANK YOU!
XXXX XXXX XXXX
|
| 12/04/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
My payment was due on XXXX and they took it out of an account I didnt authorize. They also told my XXXX about my loan because they charged her card. She paid a payment for me in the past but I told them not to save her card. They said I would have to give her the money but she got more fees from her bank.
|
| 11/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Speedy cash has continuously popped up when I apply for business line of credit and was redirected to another lender site it was always speedy cash. They call me and ask me if I want a loan and I give them updated information not knowing it was speedy cash. I have disputed error after error with no avail.
|
| 07/23/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Lien on car title has not been released even though loan paid in full. Please send lien release to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX and email lien release letter to XXXX. Lien information on title : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX. This is the Speedy Cash location.
|
| 01/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
My payday loan repayment was due back on XX/XX/XXXX. I had not been able to pay it be-cause other expenses that I am paying for. I had requested for help from debt relief agencies to help me repay the loan. I need help from your agency as well to help me repay the loan of {$300.00} back to SPEEDY CASH.
|
| 02/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
XXXX XXXX a Debt collector disclosed my debt to a family member via text message with a link to my debt. I got the same text on the same day, but can't understand why they would send to my friends or family members. Even though I've only had 1 phone # the last 10+ years. This is bad business practice.
|
| 07/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Around the dates of XX/XX/20 my identity was stolen throughout covid pandemic I had put lock on credit on my credit report and also file bankruptcy due to all of these bills thank occur and more bills is still happening since the pandemic that someone has stolen my identity and changed my number..
|
| 08/31/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
WAS NOT TAKEN OUT BY ME HAVE STRESSED AND RELAYED THAT TO NECESSARY PARTY BUT THEY ARE REFUSING TO NOT HOLD ME LIABLE OR HOLDING THEMSELVES LIABLE FOR THE MISTAKE HAVE TRIED TI DISPUTE AND ALONG WITH TRYING TO REACH THEM AND HAVE NOT RECEIVED REPONSE ( this is all within 2 1/2 year back and forth
|
| 09/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This collections account is being reported as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. I will need to be provided a copy of my report once its deleted and updated, I do not have any open accounts with this company.
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
This is the XXXX time SpeedyCash has placed my name with a loan I never got and then sent it to collections, destroying my credit. I am sick and tired of this. I have NEVER opened an account with them and when I called them they said my name or information was not found in their system.
|
| 04/10/2023 |
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 |
|
|
In accordance with the fair credit reporting Act this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 01/25/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
XXXX was not given to me as XXXX XXXX. XXXX was approved to XXXX XXXX. They approved a loan to a dead man. I am not dead. I XXXX XXXX is still alive. XXXX XXXX is the deceased man they approve the loan to. I XXXX XXXX would like for this to be off my credit report from Speedy Cash.
|
| 11/29/2022 |
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 |
|
Debt to Speedy Cash was sold to debt collection. Original debt was taken out in or about XXXX XXXX XXXX ( XXXX ) for Speedy Cash was reported to all Credit Bureaus and placed for collection. The debt is unable to be collected due to violations of the Statue of Limitations.
|
| 12/05/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I am overwhelmed with payday loans and unable to stay current on my car payment, electric and rent. The interest rates are compounding and I have had to take out more loans to pay off the current ones.
Speedy Cash is threatening my arrest through the XXXX if I dont repay.
|
| 08/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
I first noticed this fraudulent loan on my XXXX XXXX recently, I sent the company a letter and XXXX and XXXX a letter on XX/XX/2022. Up to today ( XX/XX/2022 ) I have heard back from no one. I have never applied for such loan and want it removed from my credit report.
|
| 03/31/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
XX/XX/2023 went to pay my payment she had the door lock came and unlocked the door and slammed a paper on the door was really rood about everything and than she made the comment problem can't pay it anyway cause your on ssi this was at check into cash in XXXX mo XXXX
|
| 11/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
The caller says I owe a loan from Easy Money. I told them I am not paying for their scam. The caller them threatens me with court dates. I told them not to call me, or I will consider their calls harassment. They immediately hang up. They call back a few days later.
|
| 09/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I disputed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I do not know who they are. They never responded to me, it has been over 30 days. Their trade name Speedy and Rapid Cash, I have never borrow money from them or applied to them.
|
| 11/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am reporting these accounts that should have been closed and still on my credit report reporting inaccurate information I am tired of my report looking bad due to fraudulent activity. Someone had my information and got a loan that still remains on my account.
|
| 08/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
i received this email from speedycash claiming i took out payday loan with this company which is lie. if taken this loan there would be evidence of loan being deposited into my account no record because never took. XXXX XXXX XXXX is the person who sent me email
|
| 12/05/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Speedy cash is a predatory lender that added in extra fees and only applied payment to interests. I should have never been able to receive a loan.
Company refused to allow early payment and continued to add interest once I requested to close the account.
|
| 03/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I've paid more than I borrowed initially, so this loan should considered paid in full and closed as of today.
On XX/XX/XXXX, I borrowed {$1200.00} and as of today I've paid {$1600.00} As of today, Speedy Cash records reflectd s Loan Balance of {$1100.00}
|
| 05/16/2022 |
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 |
|
|
I checked my credit report on XXXX this morning and noticed I had a hard inquiry from cash central that I have no knowledge of, this is very much fraudulent activity that I am not responsible for and need it taken off my credit report immediately
|
| 08/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
Servicemember |
|
I took a loan out with First VA paid off the loan they are claiming that I still owe on the loan when I went to apply for a new loan but cant give me the application information all the state is the card was swiped and used after I paid the loan
|
| 04/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
Speedy Cash keeps calling me after XXXX at night about a debt they have failed to verify. I have sent multiple emails asking them to verify the debt which they have also failed to do. Last nights call XX/XX/23 was at XXXX and I was in the bed.
|
| 04/04/2023 |
Yes |
- Debt collection
- Payday loan 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 |
|
|
XXXX XXXX XXXX made a hardship payday loan XXXX but original amount was XXXX At least give me a chance to pay! I have been having hardship and struggling with Life itself! They harass me constantly, calling my job, my cellphone daily all hours
|
| 10/19/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
XX/XX/17 : received debt collection call from. " XXXX, a manager '' ; advised him to do not call my number again.
XXXX called again, declined call XXXX called again, spoke with XXXX reiterated XXXX request , advised reporting violation
|
| 07/25/2023 |
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 |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 I have contacted businesses but I have been getting the run around trying to correct issue due to the account being hard inquiries on report is damaged mine credit
|
| 04/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
Older American |
|
Had several loans, very good standing. Trying to pay off loan early for several days but website doesn't allow access. Several phone calls... they transfer me to and then phone disconnects after XXXX minutes. No reply to my email either.
|
| 06/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American, Servicemember |
|
I talked to XXXX @ XXXX that this was not the number of who he was looking for, then two weeks later called the same number and asked them not to call anymore. XXXX calls twice a week or more adding to the over 30 junk calls a week.
|
| 10/26/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
This debt was sent to a debt collector Speedy Cash has deleted the debt and refunded my money XXXX out the debt But XXXX refuses to relinquish the debt XXXX is trying to collect a debt that has been canceled by the original debtor
|
| 01/13/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
SIMPLE. THE XXXX XXXX XXXX XXXX ACCOUNT WAS CLOSED AND REMOVED BY THE COMPANY THEMSELVES. XXXX AND XXXX HAVE ALREADY REMOVED THIS ACCOUNT BUT NOT XXXX. WHY? IT IS NO LONGER VALID SO IT NOW IS A UNFAIR BLEMISH ON MY CREDIT REPORT.
|
| 04/03/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity was found in four different data breaches I'm assuming this is one of the many attempts and successful ones at that to steal my identity to open up loan accounts or payday loans. Please remove this debt off my record
|
| 11/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have had two Derogatory marks on my credit and they have been there for more than 7 years I have tried reaching out but to no avail and I know after 7 years they are suppose to fall off my credit report however they haven't
|
| 02/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I am XXXX and facing financial hardship. As of today, XX/XX/2023, I have paid a total of {$1100.00} towards my {$510.00} loan.
I asked to close my account with a final payment of {$50.00} and they would not accept my offer.
|
| 07/29/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I receive a XXXX message to repay loan from Easy money loan app amount of XXXX which i never apply they mention applied date XX/XX/2023 ( 7 days tenure ) repayment date XX/XX/2023. I don't receive a E-mail or Text message.
|
| 05/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
This collections account was applied for and received by my mother using my personal and bank account information due to not being able to receive loan in her name. Ive tried reporting this issue and got denied of removal.
|
| 10/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
i made a payment for XXXX using my debit card and speedy cash took the money out of my checking asccount and did not credit my loan. they are still charging interest. I sent them proof of the doc and not actioning it
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Letter sent and responded to Check into Cash XX/XX/23 to verify debt. They refuse to verify debt, this is not mine. I am a victim of identity theft and they have 3 accounts on my credit report they can not validate.
|
| 02/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I received an unauthorized credit inquiry on my credit report from Curo XXXX XXXX XX/XX/2023. I have no idea who this company is and what it could be for. It is fraud and I need to have this removed from my credit.
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/2023, speedy cash responded stating the issue had been resolved. However, the hard inquiry remains on my credit report and has continued to cause negative ratings against my profile for the last 3 months.
|
| 07/02/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American, Servicemember |
|
The company went out of business ( Easy Money ) they never tried to collect. But they put damaging items on my credit report. All Im asking is that whomever put it on there for the last XXXX please take it off!!!!
|
| 08/10/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have never heard of this company I have tried to contact them they stated the loan was created via online and have no physical signature nor did they request for any verifiable documents proving that it was me.
|
| 11/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am getting letters from Speed Cash regarding a debt I know nothing about. The past letter dated XX/XX/2022 says amount past due is {$1100.00}. They are also threatening to send this to a 3rd party collection.
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have disputed on my credit reports and even contacted the original creditor and I was informed it was done online but couldn't give me any information on a fraudulent online payday loan from speedy cash
|
| 01/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
2014 I have tried multiple different times to dispute this on the website because the account has been closed for so many years. At one point I was sent a letter saying my personal information was hacked.
|
| 07/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I was contacted by a collection agency called XXXX XXXX XXXX XXXX and they said I owed cash central {$610.00}. Cash central would not allow a payment plan or work with making payments in XX/XX/2021.
|
| 05/05/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A loan was taken out in XXXX for the amount of {$390.00}. The problem is it was under my old address and name. That debit was sold to XXXX which I called and followed up with a police report.
|
| 11/07/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I disputed this account prior to appearing on my credit report to inform them, that this is not my debt. They have failed to provide any documentation and now it reflects on my credit report.
|
| 10/17/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX Co bought an old payday loan that had already been on my credit report & paid off over a year ago & theyre REPORTING IT AS NEW & ruining my credit when Im looking for an apartment.
|
| 12/05/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Here is a copy of a phone call I received from speedy cash.
Need to pay or going to XXXX - pressing charges within 48 hrs.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( speedy Cash )
|
| 10/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I HAVE A COUPLE OF HARD INQUIRIES ON MY CREDIT REPPRT THAT I DID NOT AUTHORIZE I DID NOT GIVE PERMISSION FOR MY CREDIT TO BE RAN AND I WOULD LIKE THEM TO BE DELETED IMMEDIATLEY
|
| 09/25/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Electronic communications
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
They are saying I owe them money I paid them but they keep saying I owe them money I figuring this is a scam is there any way I can get my money back I have more receipts
|
| 10/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I got this loan a while back and i just couldnt afford the payments with my job cutting my hours and a few months later me losing my job Ive been struggling financially
|
| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Good morning, My name is XXXX XXXX I wanted to report this company they are not reporting correctly to all 3 bureaus and are hurting my score. My act number is XXXX.
|
| 07/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
XXXX Credit card was applied for in my name to an address other than my own.
XXXX bank was attempted to open, was unsuccessful.
XXXX credit was applied for also
|
| 04/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I never open an account with these companies and I believe the accounts are fraudulent : 1. Cash Central- an account was open on XX/XX/2016 for amount {$1400.00}
|
| 02/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The account by XXXX XXXX? Charged off {$270.00} and I've never heard of this place? This is not my account and tried to contact them direct with no success
|
| 05/14/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid CheckintoCash directly the debt was removed from my credit report and recently put back on the credit reports as unpaid the debt was paid in 2019.
|
| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hard Inquiry on my credit accounts on XX/XX/23. I do not know who this company is, what they do. Additionally, clearly, this was not authorized by me.
|
| 08/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
This account was open without my consent. I have tried to contact the company several times without no response. This account is fraud not my account.
|
| 08/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I faxed a letter revoking permission to withdraw payment from my bank account yesterday and they went ahead and made the automatic draft today anyway.
|
| 10/23/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Someone used my information to apply for a loan at speedy cash it was denied but is on credit report so I put a freeze with all three agencies
|
| 03/07/2023 |
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 |
|
|
On my credit report under inquires shows Speedy cash/curo and I don't even have a account with y'all guys but it shows on my credit report.
|
| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
There are a lot of hard inquiries on my credit report but the addresses dont match up. I am reporting because I suspect fraud on my account
|
| 03/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
i have a new collection on my credit report that is not mine from check into cash this is not my debit and wish for it to be removed
|
| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
First it says I opened up an account on XX/XX/2017. I did not. The amount was {$400.00}. I tried disputing it and nothing happened.
|
| 10/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Im not liable for this debt with SPEEDY CASH I do not have contract with XXXX. They did not provide me with the original contract.
|
| 11/27/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
I checked my credit report to find out I have a collection account of almost 500 dollars WHICH Ive never received or applied for.
|
| 04/30/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Well I applied for thru some other people on some other hype so it jus went left it jus was not coo it was only {$250.00} dollars
|
| 02/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was damaged or destroyed the vehicle
|
|
Web |
|
|
Car was totalled in an accident on XX/XX/2023, Company is charging an exoberant amount of interest and the car is a total loss.
|
| 11/14/2022 |
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 |
Servicemember |
|
They keep email me as Speedy cash or XXXX XXXX threatening me with physical person coming to my house if I don't pay them
|
| 11/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Sometime during the year of about XXXX insufficient funds, overdraft fees.Cause payday loans not to be paid. Ssn # XXXX
|
| 06/24/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Have to keep disputing the matter XXXX XXXX And XXXX it's from Speedy Cash back in 2013 still on my records with them
|
| 03/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
I filed bankruptcy on this company but they still are contacting me and sold my old information to another company
|
| 03/21/2023 |
Yes |
- Debt collection
- Payday loan 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 |
|
|
Ive been getting emails about a payday loan debt from a lawyer claiming there is an active warrant for my arrest.
|
| 09/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These two accounts is not mines at all fraudulent information I like them to be removed off of my credit report
|
| 09/12/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
Servicemember |
|
On different occasions they said my checks didn't clear when I have paperwork from the bank saying otherwise
|
| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
{$310.00} XXXX LOAN BY PHONE XX/XX/2023 I called the company to figure out what this loan was and its fraud.
|
| 11/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
I try to dispute this from all three credit bureaus its hard for me to buy a house and I am a XXXX veteran
|
| 10/05/2022 |
Yes |
- Debt collection
- Payday loan 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 am just getting harassed continuously everyday, I get called around 15 times a day from unknown numbers.
|
| 09/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Have wrong information dont show correct address or dates this needs too be disputed off my record please
|
| 12/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
The interest is more than I expected I thought it was 20 percentage it's a lot more 129 percentage
|
| 10/17/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I started receiving harassing calls regarding a payday loan I never applied for or received.
|
| 11/30/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
The information reported is incorrect.
The date opened and the amount are both incorrect.
|
| 07/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
Got a loan from Speedy Cash and I paid it off but its in collections on my credit report.
|
| 04/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Cash Central, a loan service, reported an inquiry that I, XXXX XXXX XXXX, did not commit.
|
| 10/09/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The original creditor filed a 1099, how are they able to collect from multiple sources.
|
| 05/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Date opened XXXX XXXX XXXX Collection account amount {$1600.00} I filled a dispute.
|
| 06/26/2023 |
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 |
|
|
According the to FCRA legally these unauthorized/fraudulent items must be removed
|
| 04/11/2023 |
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 |
|
|
Bad inquiries on my credit, late payments Credit none payments on credit
|
| 10/28/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
cash one has charged me outrageous interest and fees on a payday loan
|
| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I have some bad credit card history on my credit and I was not aware.
|
| 06/29/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I paid this debt already but they never send me that paid off letter
|
| 05/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
SPEEDY CASH loan that was fraudulent XXXX XXXX Adjust XXXX XXXX XXXX
|
| 10/24/2022 |
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 |
Older American |
|
There are unauthorized businesses on my credit report.
|
| 03/09/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
this was discharged in a XXXX XXXX bankruptcy in 2019
|
| 10/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
|
Send out dispute letters to remove all old addresses.
|
| 11/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I need to pay off credit card and paydayloans
|
| 02/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
They said i got a loan and i didnt
|
| 09/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account doesnt belong to me.
|
| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
XXXX WAS PAID IN FULL
|
| 02/02/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
|
| 01/29/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 01/29/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/28/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 01/24/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
|
| 01/23/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Damage caused or loss of personal items in vehicle during the actual repossession
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
|
| 01/16/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 01/13/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 01/10/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
|
| 01/09/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
|
| 01/09/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Phone |
|
|
|
| 01/07/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
|
| 01/07/2024 |
Yes |
- Prepaid card
- Payroll card
|
- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/05/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Earned wage access
|
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 12/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 12/15/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 12/08/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Phone |
|
|
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/24/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 11/22/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
|
|
|
| 11/21/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Other advances of future income
|
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 11/12/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 11/11/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
|
| 11/08/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 11/02/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 11/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
|
|
| 10/30/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Phone |
Servicemember |
|
|
| 10/27/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
|
| 10/26/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
|
| 10/26/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Phone |
|
|
|
| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 10/17/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
|
| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/06/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/03/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 10/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
|
| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/19/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 09/12/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 09/10/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
|
| 09/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 09/03/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 08/29/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 08/29/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 08/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
|
| 08/24/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/23/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Phone |
|
|
|
| 08/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
Older American |
|
|
| 08/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 08/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 08/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/15/2023 |
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 |
|
|
|
| 08/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/13/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 08/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Phone |
Older American |
|
|
| 08/05/2023 |
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 |
|
|
|
| 08/01/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Older American |
|
|
| 07/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/22/2023 |
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 |
|
|
|
| 07/21/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Phone |
|
|
|
| 07/20/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/17/2023 |
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 |
|
|
|
| 07/17/2023 |
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 |
|
|
|
| 07/17/2023 |
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 |
|
|
|
| 07/17/2023 |
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 |
|
|
| 07/13/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 07/13/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
|
| 07/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/06/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
|
| 07/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/03/2023 |
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 |
|
|
|
| 06/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Phone |
|
|
|
| 06/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 06/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 06/17/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
|
| 06/14/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 06/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 06/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/05/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 05/31/2023 |
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 |
|
|
|
| 05/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 05/23/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Older American |
|
|
| 05/21/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/17/2023 |
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 |
|
|
|
| 05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/12/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Pawn loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 05/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
|
| 05/06/2023 |
Yes |
- Debt collection
- Payday loan 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 |
|
|
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 05/04/2023 |
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 |
|
|
|
| 04/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/30/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
|
| 04/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 04/27/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 04/19/2023 |
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 |
|
|
|
| 04/18/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 04/17/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Phone |
|
|
|
| 04/12/2023 |
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 |
|
|
|
| 04/12/2023 |
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 |
|
|
|
| 04/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
|
| 04/09/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 04/08/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Older American |
|
|
| 04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
|
| 03/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 03/27/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 03/22/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 03/12/2023 |
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 |
|
|
|
| 03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/08/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Older American |
|
|
| 03/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 02/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/25/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/22/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 02/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 02/14/2023 |
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 |
|
|
|
| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/10/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/08/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Older American |
|
|
| 02/05/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/04/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/03/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 01/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/06/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 01/01/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
Older American, Servicemember |
|
|
| 12/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 12/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/16/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 12/14/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Referral |
|
|
|
| 12/12/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/05/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
|
| 12/03/2022 |
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 |
|
|
|
| 11/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 11/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 11/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/10/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 11/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/07/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
|
| 11/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 11/02/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
Older American |
|
|
| 10/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 10/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American |
|
|
| 10/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 10/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 10/13/2022 |
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 |
|
|
|
| 10/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
Servicemember |
|
|
| 10/06/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/05/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 10/03/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Referral |
|
|
|
| 09/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
Older American |
|
|
| 09/23/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 09/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/14/2022 |
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 |
|
|
|
| 09/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 09/08/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
|
| 09/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
|
| 09/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 08/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/31/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/30/2022 |
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 |
|
|
|
| 08/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Older American |
|
|
| 08/27/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/24/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/23/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 08/21/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
|
| 08/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Phone |
|
|
|
| 08/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/14/2022 |
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 |
|
|
|
| 08/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 08/10/2022 |
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 |
|
|
|
| 08/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 07/31/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/28/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 07/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
|
| 07/25/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 07/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
|
|
|
| 07/14/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 07/13/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/08/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
|
| 07/05/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 07/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 06/28/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/21/2022 |
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 |
|
|
|
| 06/06/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 06/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 05/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 05/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 05/04/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 05/04/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
|
| 04/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 04/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 04/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 03/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/03/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
|
| 03/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
|
| 01/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Trouble using the card
- Problem adding money
|
|
Phone |
|
|
|