| 10/20/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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I took out a loan with All Credit Lenders in XXXX, WI. I was unable to pay because I was off of work on an unpaid leave for my daughter. I let the company know I was going to behind and I would call XX/XX/XXXX to pay it off. When I called I was told that my loan went to collections, but that it was their own collections department and has been in collections for weeks. I never received a call about it being in collections or from their collections department for that matter. When I called their collections dept it took them 3 days to find my loan and then I was told that it is still accruing interest and it was almost {$400.00} dollars more than what my balance was. I asked to speak to a manager and was transferred to another rep named XXXX XXXX, who was n't a manager and told them they never sent me a notice of default and per the Wisconsin State Legislature sec 425.105 and my loan agreement I have 15 days from the notice of default to cure my loan and they never sent me notices. XXXX XXXX told me that the store sent me notices, but I never received any.She told me I would have to call the store to find out about the notices. I called the XXXX store and spoke with XXXX and she said that they did send out notices, but I did n't receive it so I asked for the number for the certified mail and she said they were n't sent certified mail. So I again said that they did n't send me anything. She hung up on me. I called back and I asked for the corporate office phone number and she hung up on me 2 more times and said the corporate phone number was the collections phone number, but it was n't. I found their corporate number online and called them on XXXX/XXXX/2016 and was told a district manager would call me back. I called them on XXXX/XXXX/2016 and was told I was on the managers list of things to do. I called them back on XXXX/XXXX/16 and spoke with XXXX the same woman who took my complaint and she put me on hold. I could n't wait because I was at work. I called them today XXXX/XXXX/16 and spoke with XXXX again who said I had to pay the interest and then she transferred me to their Attorney XXXX XXXX and told me that they did n't have to send me a notice of default because technically it is n't in default. I asked him how can the loan be in collections without it being in default? Then he said I do not have a right to cure the loan for that reason. I told him that I am not disputing that I had a balance. I am disputing the interest rates and the fact that they did n't even call me or send me a notice of default AND then it was in collections for weeks before I called and found that out. If it is collections someone should have called me. Regardless they still have to follow the laws in Wisconsin and they are not. I told him that I wo n't be paying the interest on the loan and he said that I would have to. I told him I will contact a lawyer because they are violating my rights. They also made me resign an agreement in XX/XX/XXXX for the loan I took out in XX/XX/XXXX because my payday has always been every other Friday, but the credit union I bank at would pay me a day early. Effective XX/XX/2016 they stopped the deposit of pay checks 1 day early so I got my money on Friday. They made me redo the loan and said that was the only way to do it. I asked why when they always knew that I got paid on Fridays, but it was n't my fault that my bank was n't paying me a day early anymore. I think they have been violating my rights.
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| 09/19/2018 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have been making payments in increments of {$50.00} per month as I have last agreed with the Attorney office starting around XXXX ( not sure if exact date but around time of collection activity reported on court case ) to then attorney XXXX XXXX office. I missed a few payments of the years, case resulted back in court. As of XXXX I was told Attorney XXXX office would merged with Ms.XXXX attorney office. I was told to still still send payment attn : Mr.XXXX etc, in which I did. However, over the course of time I would ask for balance and it was only told that the account was accruing interest at 9 % ( but the attorney office not sure if monthly or annually at this rate ) but my balance never changed. I have requested several times for an accounting of account so that I can determine whats being applied to principle vs interest etc. I was never provided this information and to this day when I call my balance remains the same even though I have made payments that I have proof of as well as the attorney office confirms. But they can not explain to me why my balance continue to remains the same even after payment posted. In addition I have received documentation and pay out as part of a class action law suite against XXXX XXXX due to illegal interest charge. Please note although my case was in collection I was currently paying and the attorney office took action in court for wage garnishment as well as their continue practice of illegal debt practice. I feel due to my balance continues to increase and or stay the same without proof provided to me of payment that this collection case needs to be investigated further due to it could be other in the same situation being taken advantage of. Also please note as of XXXX my state Attorney general Office please see article won class action legal suite against XXXX XXXX XXXX : Keeping Communities Safe XX/XX/XXXX XXXX REACHES {$3.00} MILLION SETTLEMENT WITH LENDER FOR SELLING PRODUCT WITH HIDDEN, SKY-HIGH INTEREST RATES Attorney General XXXX Bans Company from Selling Expensive Loan Product in Illinois and Cracks Down on Other Lenders Operating Illegally in the State XXXX Attorney General XXXX XXXX today announced she is cracking down on lenders in Illinois that are illegally selling small-dollar loans riddled with hidden costs and fees, including a {$3.00} million settlement with All Credit Lenders that has provided hundreds of thousands of dollars in restitution for consumers across the state.
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| 09/19/2018 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have been making payments in increments of {$50.00} per month as I have last agreed with the Attorney office starting around XXXX ( not sure if exact date but around time of collection activity reported on court case ) to then attorney XXXX XXXX office. I missed a few payments of the years, case resulted back in court. As of XXXX I was told Attorney XXXX office would merged with Ms.XXXX attorney office. I was told to still still send payment attn : Mr.XXXX etc, in which I did. However, over the course of time I would ask for balance and it was only told that the account was accruing interest at 9 % ( but the attorney office not sure if monthly or annually at this rate ) but my balance never changed. I have requested several times for an accounting of account so that I can determine whats being applied to principle vs interest etc. I was never provided this information and to this day when I call my balance remains the same even though I have made payments that I have proof of as well as the attorney office confirms. But they can not explain to me why my balance continue to remains the same even after payment posted. In addition I have received documentation and pay out as part of a class action law suite against XXXX XXXX due to illegal interest charge. Please note although my case was in collection I was currently paying and the attorney office took action in court for wage garnishment as well as their continue practice of illegal debt practice. I feel due to my balance continues to increase and or stay the same without proof provided to me of payment that this collection case needs to be investigated further due to it could be other in the same situation being taken advantage of. Also please note as of XXXX my state Attorney general Office please see article won class action legal suite against XXXX XXXX XXXX : Keeping Communities Safe XX/XX/XXXX XXXX REACHES {$3.00} MILLION SETTLEMENT WITH LENDER FOR SELLING PRODUCT WITH HIDDEN, SKY-HIGH INTEREST RATES Attorney General XXXX Bans Company from Selling Expensive Loan Product in Illinois and Cracks Down on Other Lenders Operating Illegally in the State XXXX Attorney General XXXX XXXX today announced she is cracking down on lenders in Illinois that are illegally selling small-dollar loans riddled with hidden costs and fees, including a {$3.00} million settlement with XXXX XXXX XXXX that has provided hundreds of thousands of dollars in restitution for consumers across the state.
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| 08/25/2023 |
Yes |
- Debt collection
- Credit card 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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The investigation was unfairly investigated and laws was not acknowledged.
Cmk has not provided any type of debt validation letter regarding this account. This creditor has not sent information or notified me with a letter of debt validation before reporting this information.
By law, a consumer must receive written notice ( known as a debt validation letter ) within five days of the collectors initial attempt to contact you. This creditor has not contacted me regarding this account.
I never confirmed this account was mines. As a consumer I have rights to know whats being furnish on my credit report. I have not received no notice regarding this account.
A consumer should be contacted first before any information is reported. selling or purchasing information without permission is illegal. I Never gave this company permission to access my credit profile or written instructions to furnish any information on my account. This company has not respected my consumer rights. I want this creditor removed from my credit report immediately. This information has been damaging to my reputation. They have failed to provide information regarding this account. They have not contacted me by mail or by phone. I have not been given a chance to confirm this account with a validation letter with information regarding this account before its reported. This should not be reported until consumer has knowledge of this account. Creditor is stating its been verified but without me involved nor without debt validation with basic information on the account an what's needed. This has been unfairly reported an investigated. Debt collectors are legally obligated to send you a debt validation an confirm ownership. Which is suppose to include my right to dispute.
validation Collectors are required by Fair Debt Collection Practices Act ( FDCPA ) to send you a written debt valid.
Section 1006.34 ( a ) ( 1 ) generally requires a debt collector to provide the validation information required by 1006.34 ( c ) either by sending the consumer a validation notice in the manner required by 1006.42, or by providing the information orally in the debt collector 's initial communication
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| 12/30/2017 |
No |
- 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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I had a loan at an XXXX XXXX XXXX store in XXXX, Wisconsin and then the store closed. They never notified me that the store closed. Then they took money out of my bank account also without any notice and they had never done that before. So I drove by and found out the store was closed. Then I received my contract back, paid in full XXXX XXXX XXXX. After that, another company ( XXXX XXXX XXXX ) took money from my bank account. I disputed the debt and requested debt validation by certified mail within 30 days of discovery, which was accepted by XXXX XXXX XXXX on XXXX XXXX XXXX. I also asked in the certified letter to only be contacted by mail. Since then I received an email from XXXX XXXX XXXX with the XXXX XXXX XXXX contract with the XXXX XXXX name superimposed on it. And now XXXX XXXX XXXX is calling me at home and at my work and they threaten to keep calling my work number.
Both companies are claiming the same debt which is why I requested debt validation in the first place.
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| 05/31/2016 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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I took out a loan with All Credit lenders in XXXX, Illinois XX/XX/XXXX or XX/XX/2015.They are taking {$50.00} out of bank account every XXXX weeks. The loan was for {$300.00}. I have never received any statements.I have asked to be mailed to me or emailed. The email they gave me to read my statements did n't seem like a legit The account was down to {$190.00} after I complained about the excessive charges. they claimed it was do to a computer glitch. Now the account is back up to {$230.00} the company states I did not come in XX/XX/XXXX or authorize for them to take it out of my bank account in. This is not true. I asked that a manager phone me. I have not received a call. For a {$300.00} dollar loan I feel I have paid over the amount of fees and charges. They harass me for the payment prior to the payment date. However, I can not get cooperation why my loan never seems to be going down. Please help me. All Credit lenders XXXX XXXX XXXX XXXX XXXX XXXX. Thank You in advance.
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| 02/26/2018 |
No |
- 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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I called XXXX XXXX Solutions in XX/XX/XXXX. I let them know that the debt with XXXX XXXX XXXX was paid off on XX/XX/XXXX and I have a receipt to show my balance was at XXXX. I faxed the receipt to them on XX/XX/XXXX. It has been well over a month and every time I call they say that they are still waiting a response from the company XXXX XXXX XXXX. They are still reporting this debt to the credit bureaus which is having a negative impact on my credit score. I did submit a dispute online with the credit bureau in XX/XX/XXXX. I want them to not call me and remove this debt.
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| 06/07/2016 |
Yes |
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- Can't stop charges to bank account
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Web |
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| 11/09/2015 |
No |
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- Charged bank acct wrong day or amt
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Phone |
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| 10/30/2015 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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| 03/05/2015 |
Yes |
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Web |
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| 01/19/2015 |
Yes |
- Debt collection
- Payday loan
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- Improper contact or sharing of info
- Contacted employer after asked not to
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Web |
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| 12/12/2014 |
Yes |
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Phone |
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| 12/09/2014 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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| 11/14/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
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| 11/14/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
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