| 03/07/2018 |
No |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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CFAM continues to harass me about an illegally purchased, charged-off debt ( MY CAR ) by sending tow trucks to my house and banging on my door to the point of nearly breaking my glass. This must stop now!!! CFAM has not responded to the 1st complaint ; therefore, I've filed a complaint ( see attached ) with the Texas Attorney General against CFAM. CFAM didn't respond to CFPB 's 1st complaint number XXXX that I filed on XX/XX/XXXX. Please see this recent CFPB Complaint number : XXXX, Date submitted to CFPB : XX/XX/XXXX, Date sent to Company : XX/XX/XXXX that CFAM. Attached is a recent harassing letter from CFAM that I received on XXXX XXXX. In this letter CFAM continues to harass me about this illegally bought debt that was charged-off and is no longer owed. Today is XX/XX/XXXX. I 1st notified CFAM on XX/XX/XXXX, the 30 day mark that I do not owe this debt per the instructions in their harassing letter ( attached ). CFAM Please stop harassing me about this debt that I do not owe! You are violating the law by continuing to do so. this complaint is in relation to the following : I obtained a car loan for {$19000.00} from XXXX XXXX XXXX through XXXX in XXXX of XXXX. After making many payments on the loan, I started to have some problems making payments but never broke communications with XXXX XXXX XXXX over payment arrangements during this time. On XX/XX/XXXX, XXXX XXXX XXXX, charged-off ( SEE attached credit bureau entry ) my car and attempted repossession which I felt was a strange move or illegal since they had charged it off. My complaint today is concerning XXXX XXXX XXXX 's never-ending attempt to continue to make claim to a debt that has been charged-off. If they wanted me to continue making payments on the loan, why did they charge it off? There is something illegal about this move. To make matters worse, I received a letter dated XX/XX/XXXX ( SEE attached copy of letter ) 6 days to-the-year, from the date they charged-off my car loan. This letter states that they were offering me a settlement of 50 % off the amount of {$17.00}, XXXX ( the balance of the loan ), {$8900.00} to settle this account in full and send me the title to the car. I had until XX/XX/XXXX to come up with the money. I thought this was a great deal as strangely as it read since the car was already charged-off. Nevertheless, I called XXXX XXXX XXXX to take them up on their settlement offer but as I said, I was not able to gather-up {$8900.00}. I'm just complaining more so today about XXXX XXXX XXXX 's never-ending attempt to continue to make claim to a debt that has been charged-off. But now they state in a letter ( SEE attached letter ) dated XX/XX/XXXX that THEY'VE SOLD my ALREADY CHARGED-OFF LOAN to CFAM Financial Services , LLC on XX/XX/XXXX???!!! Further, the letter states that CFAM Financial Services , LLC now OWNS and will CONTINUE TO SERVICE YOUR AUTO CONTRACT? WHAT???!!! How is this EVEN remotely possible if the loan-car has already been CHARGED-OFF as of XX/XX/XXXX!!!!??? What's really going on here?? How can CFAM Financial Services , LLC OWN a loan that has been LEGALLY CHARGED-OFF, GONE, DOESN'T EXIST!!! Furthermore, it is even illegal that XXXX XXXX XXXX was able to SO-CALL SELL a loan that has been LEGALLY CHARGED-OFF, GONE, DOESN T EXIST and they continue to insist they OWN a LEGALLY CHARGED-OFF LOAN!!! I hope that you and the Federal Trade Commission come up with a reason and an answer to my question and find out what laws XXXX XXXX XXXX and CFAM Financial Services , LLC have violated. I will also be notifying the Attorney 's General in the states where XXXX XXXX XXXX and CFAM Financial Services , LLC are located. In a decision in XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX XXXX, XXXX ), the XXXX XXXX XXXX XXXX XXXX issued the following statement : " A person shall not furnish information on a specific transaction or experience to any consumer credit reporting agency if the person knows or should know the information is incomplete or inaccurate. '' I feel that this statement alone, at least acknowledges that XXXX XXXX XXXX furnished a charge-off of my car loan, a specific transaction/debt of {$17.00}, XXXX, on XXXX to a consumer credit reporting agency, knowing ( or should have known ) that this information was incomplete or inaccurate??? And so I've put question marks here to bring attention to the fact/question we need answered. Either my car loan of {$17.00}, XXXX is charged-off as stated by the attached credit bureau entry which means just that!! That THIS debt has been LEGALLY CHARGED-OFF, GONE, DOESN'T EXIST!!! or XXXX XXXX XXXX and CFAM Financial Services , LLC are involved in some type of nefarious activity that further deserves investigating. Because if their doing it to me, toward how many others are they performing this nefarious activity. Please find out for me Consumer Financial Protection Bureau and Federal Trade Commission.
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| 11/10/2017 |
No |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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XXXX continues to harass me about a charged-off debt in Complaint number : XXXX that was illegally purchased by XXXX XXXX XXXX has not responded to this complaint ). Please see this recent CFPB Complaint number : XXXX, XXXX submitted to CFPB : XXXX/XXXX/XXXX, Date sent to company : XXXX/XXXX/XXXX that CFAM.
Attached is a recent harassing letter from XXXX that I received on XXXX XXXX. In this letter XXXX continues to harass me about this illegally bought debt that was charged-off and is no longer owed. Today is XXXX XXXX, XXXX, the 30 day mark that I 'm notifying CFAM that I do not owe this debt per the instructions in their harassing letter. CFAM Please stop harassing me about this debt that I do not owe! You are violating the law by continuing to do so. this complaint is in relation to the following : I obtained a car loan for {$19000.00} from XXXX XXXX XXXX through XXXX in XXXX of XXXX. After making many payments on the loan, I started to have some problems making payments but never broke communications with XXXX XXXX XXXX over payment arrangements during this time. On XXXX XXXX, XXXX, XXXX XXXX XXXX, charged-off ( SEE attached credit bureau entry ) my car and attempted repossession which I felt was a strange move or illegal since they had charged it off. My complaint today is concerning XXXX XXXX XXXX 's never-ending attempt to continue to make claim to a debt that has been charged-off. If they wanted me to continue making payments on the loan, why did they charge it off? There is something illegal about this move. To make matters worse, I received a letter dated XXXX XXXX, XXXX XXXX SEE attached copy of letter XXXX 6 days to-the-year, from the date they charged-off my car loan. This letter states that they were offering me a settlement of 50 % off the amount of {$17.00}, XXXX XXXX the balance of the loan ), {$8900.00} to settle this account in full and send me the title to the car. I had until XXXX XXXX, XXXX to come up with the money. I thought this was a great deal as strangely as it read since the car was already charged-off. Nevertheless, I called XXXX XXXX XXXX to take them up on their settlement offer but as I said, I was not able to gather-up {$8900.00}. I 'm just complaining more so today about XXXX XXXX XXXX 's never-ending attempt to continue to make claim to a debt that has been charged-off. But now they state in a letter XXXX SEE attached letter XXXX dated XXXX XXXX, XXXX that THEY 'VE SOLD my ALREADY CHARGED-OFF LOAN to CFAM Financial Services , LLC on XXXX???!!! Further, the letter states that CFAM Financial Services , LLC now OWNS and will CONTINUE TO SERVICE YOUR AUTO CONTRACT? WHAT???!!! How is this XXXX remotely possible if the loan-car has already been CHARGED-OFF as of XXXX!!!!??? What 's really going on here?? How can CFAM Financial Services , LLC OWN a loan that has been LEGALLY CHARGED-OFF, GONE, DOES N'T EXIST!!! Furthermore, it is even illegal that XXXX XXXX XXXX was able to SO-CALL SELL a loan that has been LEGALLY CHARGED-OFF, GONE, DOES N'T EXIST and they continue to insist they OWN a LEGALLY CHARGED-OFF LOAN!!! I hope that you and the Federal Trade Commission come up with a reason and an answer to my question and find out what laws XXXX XXXX XXXX and CFAM Financial Services , LLC have violated. I will also be notifying the Attorney 's General in the states where XXXX XXXX XXXX and CFAM Financial Services , LLC are located. In a decision in XXXX v. XXXX XXXX XXXX XXXX XXXX & XXXX XXXX Bank XXXX, No. XXXX ( XXXX XXXX, XXXX ), the XXXX XXXX XXXX XXXX XXXX issued the following statement : " A person shall not furnish information on a specific transaction or experience to any consumer credit reporting agency if the person knows or should know the information is incomplete or inaccurate. '' I feel that this statement alone, at least acknowledges that XXXX XXXX XXXX furnished a charge-off of my car loan, a specific transaction/debt of {$17.00}, XXXX, on XXXX to a consumer credit reporting agency, knowing XXXX or should have known XXXX that this information was incomplete or inaccurate??? And so I 've put question marks here to bring attention to the fact/question we need answered. Either my car loan of {$17.00}, XXXX is charged-off as stated by the attached credit bureau entry which means just that!! That THIS debt has been LEGALLY CHARGED-OFF, GONE, DOES N'T EXIST!!! or XXXX XXXX XXXX and CFAM Financial Services , LLC are involved in some type of nefarious activity that further deserves investigating. Because if their doing it to me, toward how many others are they performing this nefarious activity. Please find out for me Consumer Financial Protection Bureau and Federal Trade Commission.
|
| 10/09/2017 |
No |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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|
Web |
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I obtained a car loan for {$19000.00} from XXXX XXXX XXXX through XXXX in XXXX of XXXX. After making many payments on the loan, I started to have some problems making payments but never broke communications with XXXX XXXX XXXX over payment arrangements during this time.
On XXXX XXXX, XXXX, XXXX XXXX XXXX, charged-off ( SEE attached credit bureau entry ) my car and attempted repossession which I felt was a strange move or illegal since they had charged it off.
My complaint today is concerning XXXX XXXX XXXX 's never-ending attempt to continue to make claim to a debt that has been charged-off. If they wanted me to continue making payments on the loan, why did they charge it off? There is something illegal about this move.
To make matters worse, I received a letter dated XXXX XXXX, XXXX XXXX SEE attached copy of letter XXXX 6 days to-the-year, from the date they charged-off my car loan. This letter states that they were offering me a settlement of 50 % off the amount of {$17.00}, XXXX XXXX the balance of the loan ), {$8900.00} to settle this account in full and send me the title to the car. I had until XXXX XXXX, XXXX to come up with the money. I thought this was a great deal as strangely as it read since the car was already charged-off. Nevertheless, I called XXXX XXXX XXXX to take them up on their settlement offer but as I said, I was not able to gather-up {$8900.00}.
I 'm just complaining more so today about XXXX XXXX XXXX 's never-ending attempt to continue to make claim to a debt that has been charged-off. But now they state in a letter XXXX SEE attached letter XXXX dated XXXX XXXX, XXXX that THEY 'VE SOLD my ALREADY CHARGED-OFF LOAN to CFAM Financial Services , LLC on XXXX???!!! Further, the letter states that CFAM Financial Services , LLC now OWNS and will CONTINUE TO SERVICE YOUR AUTO CONTRACT? WHAT???!!!
How is this XXXX remotely possible if the loan-car has already been CHARGED-OFF as of XXXX!!!!??? What 's really going on here?? How can CFAM Financial Services , LLC OWN a loan that has been LEGALLY CHARGED-OFF, GONE, DOES N'T EXIST!!! Furthermore, it is even illegal that XXXX XXXX XXXX was able to SO-CALL SELL a loan that has been LEGALLY CHARGED-OFF, GONE, DOES N'T EXIST and they continue to insist they OWN a LEGALLY CHARGED-OFF LOAN!!!
I hope that you and the Federal Trade Commission come up with a reason and an answer to my question and find out what laws XXXX XXXX XXXX and CFAM Financial Services , LLC have violated. I will also be notifying the Attorney 's General in the states where XXXX XXXX XXXX and CFAM Financial Services , LLC are located.
In a decision in XXXX v. XXXX XXXX XXXX XXXX XXXX & XXXX XXXX Bank XXXX, No. XXXX ( XXXX XXXX, XXXX ), the XXXX XXXX XXXX XXXX XXXX issued the following statement : " A person shall not furnish information on a specific transaction or experience to any consumer credit reporting agency if the person knows or should know the information is incomplete or inaccurate. '' I feel that this statement alone, at least acknowledges that XXXX XXXX XXXX furnished a charge-off of my car loan, a specific transaction/debt of {$17.00}, XXXX, on XXXX to a consumer credit reporting agency, knowing XXXX or should have known XXXX that this information was incomplete or inaccurate??? And so I 've put question marks here to bring attention to the fact/question we need answered. Either my car loan of {$17.00}, XXXX is charged-off as stated by the attached credit bureau entry which means just that!! That THIS debt has been LEGALLY CHARGED-OFF, GONE, DOES N'T EXIST!!! or XXXX XXXX XXXX and CFAM Financial Services , LLC are involved in some type of nefarious activity that further deserves investigating. Because if their doing it to me, toward how many others are they performing this nefarious activity. Please find out for me Consumer Financial Protection Bureau and Federal Trade Commission.
|
| 09/02/2022 |
No |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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I was Leasing a car from Fair Servicing , LLC company since XXXX, I notified Fair on XX/XX/XXXX that i want to end my lease with them and return the vehicle. I also, informed them via email and in the app. that i will be dropping off the car to the original dealership i got the car from originally ( XXXX XXXX XXXX XXXX XXXXXXXX at XXXX XXXX, XXXX, NJ XXXX ). I was scheduled to travel during the dates they offered to pickup the car. Then By Email, i was told that Fair will be taking care of the pickup and adjust it to pickup the car from the dealership after i informed Fair by Email of the name of the person in the dealership who i handed the keys to ( XXXX ). Again i was told via email that the pickup will be taken care of by Fair Servicing LLC. I dropped Off the Car to the Dealership on the Same Day XX/XX/XXXX. I surrendered the car plates to the DMV on XX/XX/XXXX ( Receipt Enclosed ). Then i was informed by Email late in XXXX i believe that the lease was sold to CFAM Financial Solutions. After in XXXX, i received a call from CFAM asking me if i returned the car or not, i said yes and i informed them that i surrendered the license plates to the DMV and that the car is at the Dealership mentioned above in XXXX NJ. Ever since that Phone call, i kept receiving invoices from CFAM that i am missing my monthly lease payment. I responded to them via phone a few times and emailed to their customer service email, but was not successful to reach anyone. Finally i responded to one of their invoice emails explaining all that i have explained to Fair Servicing & wondering why Fair and CFAm didnt communicate Months ago all the details i explained regarding my car return. then CFAM responded and confirmed that they have located the car in the dealership and that they will pick it up, and i received a confirmation that the pickup has been scheduled. Today XX/XX/XXXX they sent me another invoice for monthly payments since XXXX XXXX i want them to stop harrasing me.
CFAM Should have inquired about all info needed from FAIR when buying the account. Fair Should have finalized the pickup & lease end.
CFAM Must Close My account and inform me formally that my account is closed with them And that I DO NOT owe them any money, Since It was : -CFAM and FAIR issue of miscommunication - Fair Servicing Problem of not finalizing the lease and closing it, and picking up the car as they have stated in their Email to me ( email enclosed ) -I have provided several proof with several communications to CFAM that the car was not in my possession since XXXX, and it was Fair servicing and CFAM responsibility to Get the car picked up and lease account closed and finalized since end of XXXX like they have informed me.
-CFAM Must Stop Harrasing me with these invoices trying to scam me, and scare me into paying them money that they are not entitled to based on all the evidence presented.
Thank you XXXX XXXX
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| 09/25/2019 |
No |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I previously notified CFAM Financial Services on several occasions between XX/XX/XXXX and XX/XX/XXXX, that I am a victim of identity theft, and requested that the following be done : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account with the financial company XXXX XXXX which CFAM purchased the debt from. I did not open or authorize this account, and I requested that it be closed immediately. As of today XX/XX/XXXX, Ive gotten no response from CFAM Financial ....
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| 11/30/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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I am trying to obtain a mortgage for a house, and for some reason there is a glitch when it comes to XXXX and the XXXX scoring system. Even though XXXX XXXX sometimes has less things than other bureaus my XXXX score for mortgage loan is hundreds of points lower and on a tri merged mortgage report its not showing any of my current accounts that are in good standing which I think is affecting it. Im not sure if this is a glitch on XXXX XXXX side or with XXXX but it is hurting me and causing harm to my credit file and I have been working hard to fix my credit so I can live the dream and buy my family a home. I need your help to make this happen. Its only transunion that seems to be the issue. Thanks
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| 07/12/2020 |
No |
- Debt collection
- Auto 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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CFAM Financial Services LLC threatened to call the police to repossess a vehicle on private property. Their representatives knocked on my door at XXXX, and threatened me by stating that I was violating the law, and that they would bring the Sheriff.
Not only is CFAM buying defaulted predatory loans, they were difficult in dealing with. When they came to my property, I offered to resolve the issue in the morning. Not only did they refuse, they started yelling and became verbally abusive.
CFAM never sent account or balance updates and misrepresented the Amount due on numerous official documents.
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| 10/16/2023 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Greetings, 5 u.s.c. Code 552a There needs to be an accurate accounting or information disclosure.
These documents make me look irresponsible, uneducated, and are deceitful.
who is going to lend me with XXXX credit?
How is this even possible? This is unfairness in lending since my credit report contains misinformation anywhere inside here and all the ways but not only that.
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| 01/28/2022 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
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|
Web |
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I opened a vehicle loan in XXXX of XXXX, I am now being told that my loan was sold in XX/XX/XXXX. I was never informed, nor did I change address that I couldn't be reached by mail. This practice is extremely illegal, I was never informed that my loan was sold!
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| 11/02/2021 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I opened a vehicle loan in XX/XX/XXXX, I am now being told that my loan was sold in XX/XX/XXXX. I was never informed, nor did I change address that I couldn't be reached by mail. This practice is extremely illegal, I was never informed that my loan was sold!
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| 10/08/2019 |
No |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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They company approach to me at XXXX and took my belong nings after that i request to take out my stuff of the car and they are trying to charge me a XXXX dlls fee, after that they contact me charging me a ver of XXXX dlls
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| 05/16/2023 |
No |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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| 02/09/2023 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Account information incorrect
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Phone |
Older American |
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| 08/24/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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| 10/17/2020 |
No |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
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| 11/12/2016 |
No |
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
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| 03/01/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
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|
| 01/10/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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