| 03/22/2019 |
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 contact the company via their online portal XX/XX/XXXX I was wanting to make a payoff.
I purchase the item in store total price paid {$2100.00}.
AMOUNT DUE AT LEASE SIGNING A. Initial payment {$60.00} B. Additional Payment {$340.00} XXXX XXXX {$400.00} MONTHLY/PERIODIC PAYMENTS Next payment of {$170.00} is due on XX/XX/XXXX followed by 8 payments of {$170.00} as outlined below on Lease Payment Schedule. The total of initial XXXX -Period Term, is {$1600.00} OTHER CHARGES ( Not part of your periodic payment ) Returned payment fee {$25.00} Late payment fee {$15.00} Cimicid Fee {$50.00} TOTAL OF PAYMENTS The amount you will have paid by the end of the initial XXXX -Period Term {$1600.00} ***No one will accept my call XX/XX/XXXX and their is no option to make a payment online.
XXXX I also returned the initial products purchased because they did not work at all. I was without the equipment for 84 days. I then purchased new equipment.
PAYMENTS MADE TO DATE : INSTORE_PAYMENT {$400.00} XX/XX/XXXX XX/XX/XXXX CREDITCARD_PAYMENT {$170.00} XX/XX/XXXX XX/XX/XXXX CREDITCARD_PAYMENT {$170.00} XX/XX/XXXX XX/XX/XXXX CREDITCARD_PAYMENT {$170.00} XX/XX/XXXX XX/XX/XXXX CREDITCARD_PAYMENT {$170.00} XX/XX/XXXX XX/XX/XXXX CREDITCARD_PAYMENT {$170.00} XX/XX/XXXX XX/XX/XXXX CREDITCARD_PAYMENT {$170.00} XX/XX/XXXX XX/XX/XXXX CREDITCARD_PAYMENT {$170.00} XX/XX/XXXX XX/XX/XXXX CREDITCARD_PAYMENT {$190.00} XX/XX/XXXX XX/XX/XXXX LATE_FEE {$15.00} XX/XX/XXXX XX/XX/XXXX LEASE TERM AND OPTIONS. You promise to make lease payments for a XXXX Term. Payments made under this lease will be applied first to any fees or other charges due to XXXX and then to lease amounts due. No late charges will be applied to your account where the only delinquent amounts are a result of prior applied but unpaid late fees. After the initial term, you have 3 options : ( 1 ) Purchase the Property by exercising your purchase option, ( 2 ) continue the lease on a month-to-month basis by retaining possession of the Property, in which case additional periodic payment ( s ) must be made in the same frequency and amount as during your initial term, ( 3 ) Terminate this Agreement by returning the Property to us in good condition, fair wear and tear excepted. If you have not purchased the property after XXXX XXXX Periods this lease will terminate and you must a ) return the Property to us, or b ) purchase the Property from us. Continuation : If you continue this Agreement beyond your initial term your next lease payment will be due on XX/XX/XXXX and every 14 Days thereafter for subsequent renewals. No refunds will be issued should you choose to return the Property before any lease period expires.
PURCHASING.You may purchase the leased Property upon completion of your initial term and at any time thereafter. The purchase price at particular points in time ( and the formula for calculation at other points in time ) can be calculated in the following manner or by visiting www.whynotleaseit.com. Periodic Depreciation : Divide the cash price of your item ( s ) by 60 ( or, divide by 120 for biweekly payments ). Total Depreciation : Multiply that quotient by the number of periods that you have leased your item ( s ). Residual Value : Subtract that product from your cash price to obtain your depreciated value. Discounted Value : Multiply the depreciated value of your item ( s ) by XXXX to obtain your purchase option price.
Example after XXXX periods : Periodic Depreciation : $ XXXX = {$30.00} Total Depreciation : {$30.00} x XXXX = {$150.00} Residual Value : {$1800.00} - {$150.00} = {$1600.00} Discounted Value : {$1600.00} x XXXX = {$1000.00} GoSELECT! - EARLY PURCHASE OPTION. You may terminate your lease before the end of your Initial Term by exercising your Early Purchase Option. In addition to paying the cash value of your leased items, exercising your Early Purchase Option requires you to pay an Early Purchase Option Fee. This amount is calculated as a percentage of the cash value of your leased items.
30 day option : Requires a 5.00 % Early Purchase Option Fee. Once added to the cash value of your leased items, you must pay {$2200.00} ( plus any additional incurred fees ) in total by XX/XX/XXXX to own your leased items.
60 day option : Requires a 8.00 % Early Purchase Option Fee. Once added to the cash value of your leased items, you must pay {$2300.00} ( plus any additional incurred fees ) in total by XX/XX/XXXX to own your leased items.
90 day option : Requires a 10.00 % Early PurchasXXXX Option Fee. Once added to the cash value of your leased items, you must pay {$2300.00} ( plus any additional incurred fees ) in total by XX/XX/XXXX to own your leased items.
NOTE : Time is of the Essence for this provision. Your ability to exercise your EARLY PURCHASE OPTION depends on you contacting WhyNotLeaseIt and making your Early Purchase Option payment in a timely manner. If you do not exercise your Early Purchase Option by the required dates your lease continues on your regular lease schedule.
EARLY TERMINATION AND DEFAULT. You may terminate this Agreement without additional obligation at the end of the initial term under the following conditions : you have made all payments due and have returned the Property to us in good condition, fair wear and tear excepted. We can terminate this Agreement without notice if you are in default under this Agreement by failing to make a lease payment within ten ( 10 ) days of the renewal date, or if you fail to keep any other terms in this Agreement. All lease payments are due in advance, should you fail to make your scheduled payments you understand we will attempt to contact you. If you default, and after we give you any notice required by law, we will be entitled to all legal remedies, including repossession of the Property and our damages, which may include past due lease payments, attorney 's fees and court costs, if incurred, and if permitted by applicable law.
RIGHTS TO POSSESSION : If you do not renew this Agreement or if you breach any of its terms, we have the right to recover the Property. If you do not return the Property to us or allow us to recover the Property, you agree to pay all our costs to recover the Property including reasonable attorney 's fees and court costs, if permitted by applicable law.
SECURITY INTEREST. We own the property until you purchase it from us. You have no ownership rights until you comply fully with the Ownership provisions in the Agreement. In the event that we shall determine to file a financing statement or other documentation evidencing our ownership in the property for notice purposes, or for any other reason, you consent to our filing such financing statement or documentation in any public record. You may NOT sell, assign, sub-lease, pawn, pledge or otherwise transfer your rights in this Agreement or in the Property without our prior written consent. We can sell, transfer, or assign this Agreement without restriction. NOTE : THIS AGREEMENT IS NOT AN INSTALLMENT LOAN OR A DEBT BUT MEMORIALIZES A TRUE LEASE. You owe the minimum term because you requested XXXX to purchase this property for your possession and use which would not have occurred without you making said request. If you file for bankruptcy protection you must choose to assume or reject your lease. If you assume your lease you must continue to make all lease payments including any in arrears, if you reject the lease you must return the property. If you file for bankruptcy protection under any chapter of the United States Bankruptcy Code, notice of such filing must be delivered to the following address : WhyNot Leasing, LLC, XXXX XXXX XXXX, Suite XXXX, XXXX, NH XXXX.
LOCATION OF PROPERTY : You agree to keep the Property in your possession at the address above. You agree not to move the Property without our prior written consent.
INSTALLATION OF PROPERTY : Unless installation is specifically included as part of your leased Property you are fully responsible for the cost of installing the Property in your home. Depending upon the type of Property you are leasing, you may have to hire professionals, electricians, plumbers, etc. in order to install the Property safely and properly STANDARDS FOR WEAR AND TEAR AND MAINTENANCE. Fair wear and tear means normal wear and tear sustained under normal use conditions. You must protect the Property from unusual or abnormal wear and tear. We reserve the right to determine fair wear and tear. You are responsible for maintaining the Property in good working order during the term of this agreement. We will not pay for repairs made on the Property. You agree to quit using the Property if it becomes unsafe or in a state of disrepair. You agree to all steps necessary to prevent injuries to anyone or Property which might be caused by the Property. You must return the Property to us in good working order, allowing for fair wear and tear, when this Agreement terminates for any reason.
WARRANTIES. We do not offer any express warranties on the Property. To the extent allowed by applicable law, we disclaim all implied warranties, including the IMPLIED WARRANTY OF MERCHANTABILITY AND THE IMPLIED WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE. If you obtain ownership of the Property, we will transfer any unexpired manufacturers or supplemental warranties to you, if permitted to do so.
LIABILITY FOR DAMAGE OR LOSS. We do not carry insurance on the Property. If the Property is damaged or partly destroyed, you must pay for all repairs. If the Property disappears, or is stolen or destroyed, you must pay us the fair market value of the Property as of the date of loss. You understand that we will not be liable for any loss or damage to any Property arising out of the use of the Property.
RETURNED ITEM FEE. You must pay this amount if your ACH payment is returned by your bank or if your card payment is rejected by your bank.
LATE PAYMENT FEE. If your payment is late, you must pay us this fee.
CIMICID FEE : Upholstered goods including sewn furniture and mattresses returned after 30 days but prior to expiry of the initial term are subject to a {$50.00} fee due to Cimicids ( aka Bed Bugs ) handling and disposal issues.
CONFIRMATION OF EXPRESS CONSENT FOR US TO CONTACT YOU. You agree that we may contact you regarding any issue pertaining to the lease at any telephone number ( s ) you provide to us, including, but not limited to, any telephone number assigned to a cellular telephone service that may or may not charge you on a per-call basis. You further agree that we may contact you related to your lease using an automatic telephone dialing system ( XXXX ) and/or artificial or prerecorded voice system at any number you provide us, including, but not limited to, any number assigned to a cellular telephone service. Your consent to being contacted using an XXXX and/or artificial or prerecorded voice system on any cellular telephone number you provide us may only be revoked in writing as set forth below.
In the event you desire to revoke your consent, you must send a written " Notice of Revocation of Consent '' to the following address : WhyNot Leasing, LLC XXXX XXXX XXXX, Suite XXXX XXXX, NH XXXX The Notice of Revocation of Consent must identify your full name, the cellular telephone number for which you are revoking your consent, and the last four digits of your social security number. You agree that revocation is effective 10 days following our receipt of any properly submitted notice.
MISCELLANEOUS : This Lease Agreement and any attachments we will deliver upon consummation represent the entire Agreement between us. There are no other understandings or agreements between us other than those in this written document and any attachments. You may retrieve your lease documents or request paper documents by contacting us using the information provided in this Agreement or obtain them yourself by logging into our Customer Service Center at www.whynotleaseit.com and creating an account. Any statements made by personnel in any retail store where you selected the goods leased under this agreement are NOT a part of this Agreement. This Agreement can not be modified except in writing and signed by you and us. Although we do not require a minimum credit score, we reserve the right to verify any and all information provided with your application for this lease and to perform a risk assessment, for which we may access one or several consumer reporting agencies. We reserve the right to deny you future leases.
ELECTRONIC RECORDS, ELECTRONIC FUNDS TRANSFER AND BANK CARD AUTHORIZATION : We can give you the benefits of our remote service only if you consent to use and accept electronic signatures, electronic records and electronic disclosures in connection with this transaction even if you are provided with paper copies of your documents at a retail merchant. By your electronic signature below, you acknowledge and consent to the use of electronic records, signatures and disclosures in connection with this transaction.
You authorize us to initiate debit entries to your bank account for all or any specific payments on your account with us as they may become due. Your authorization also includes any returned item fees or late fees that may become due. Any authorization for payment processing via electronic transfer that has been made and that you have not withdrawn in a timely fashion will be final. You also authorize electronic check creation in the event that one must be used. If we receive notification from you of termination of this authorization in such time and in such manner as to afford WhyNotLeaseIt a reasonable opportunity to act on it, we will not use said authorization. You understand that you may cancel this authorization by providing reasonable notice to WhyNotLeaseIt, XXXX XXXX XXXX, XXXX XXXX, XXXX NH XXXX, XXXX. You understand that cancelling your authorization does not relieve you of the responsibility of paying your account in full when due.
You authorize us to bill your credit card or withdraw from your debit card each payment you owe us. You agree we can bill your credit card or withdraw from your debit card for each lease payment and fees due under this agreement. You authorize us to bill or withdraw partial amounts due and to bill or withdraw past due amounts on dates other than your customary due date. The right to bill your credit card or withdraw from your debit card will remain in full force until a ) you pay us everything that you owe under this Agreement or b ) you or the institution issuing your credit card or debit card informs us that we can no longer bill your credit card or withdraw from your debit card.
ARBITRATION. You and we agree that any claim or dispute arising from or in any way related to the Agreement must be resolved by binding arbitration in the state where you live instead of a lawsuit. If you want to opt out of arbitration with us you must notify us in writing of your decision within ten days of executing a lease Agreement. Our Agreement to arbitrate will be governed by the federal arbitration Act, XXXX U.S.C. Sections 1-16 and the substantive law of your state. You and we agree to use either the XXXX XXXX XXXX XXXX XXXX XXXX or XXXX, the XXXX XXXX ( XXXX ). If a dispute arises, you or we can file a claim with either organization in the office of the selected organization nearest to your residence. If you file a claim against us, we will pay the initial filing fee but we each must pay our own attorney 's fees and other costs. Arbitrators can award reasonable attorney 's fees and costs to the prevailing party but neither party shall be permitted to recover punitive, exemplary or multiple damages from the other party. Nothing in our agreement to arbitrate is intended to prevent either of us from filing a lawsuit in an appropriate small claims court for an amount that does not exceed that courts jurisdictional limit however all other disputes must be arbitrated. If either party attempts to remove a lawsuit initially filed in small claims court to another court, the other party can compel arbitration. Our agreement to arbitrate will survive termination of the Agreement and continue in effect to resolve any disputes between us. Agreeing to arbitration means that you are waiving your right to a trial by jury and your right to have a court resolve your dispute. You are waiving your right to participate in a class action lawsuit and to certain discovery rules that apply in lawsuits. We both agree that neither you nor we will request the arbitration to be conducted as a class-wide arbitration. We both agree that no arbitrator will have authority to certify a class in the arbitration or to conduct class-wide arbitration and that she can only decide disputes between you and us. If any part of this arbitration agreement is ruled invalid, then any underlying dispute must be resolved by a judge, sitting without a jury, in a court of competent jurisdiction, and not as a class action lawsuit.
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| 01/25/2018 |
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 |
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Original Creditor / Account #: XXXX XXXX/XXXX
Current Account Owner / Account #: XXXX XXXX XXXX XXXX/XXXX Debt amount: XXXX
On XX/XX/XXXX a collection debt in the amount of $XXXX appeared on my XXXX credit reported by XXXX XXXX XXXX on behalf of XXXX XXXX.
I contacted XXXX XXXX XXXX - Collection Company and spoke to XXXX XXXX. I explained I am not familiar with either company and did not make this debt. XXXX XXXX would not research this matter until I contacted the police and provided her with a police report, a notarized affidavit and copy of my Texas driver's license. I provided the proof to her on XX/XX/XXXX. ned this was not my debt. XXXX XXXX acknowledged receipt of the documents on XX/XX/XXXX. After several weeks of not hearing anything from her I sent another email asking for the status of their investigation. XXXX XXXX stated she sent me a letter. After emailing back and forth I discovered she had actually sent the email to the address associated with the fraudulent information. I requested she send me the document with my address on it. She emailed it to me on XX/XX/XXXX.
On XX/XX/XXXX I again contacted XX/XX/XXXX as the account is still showing on my credit reports. She stated, the request to correct the information on my credit report would occur in 30 days. She stated she sent out the letter to all 3 major credit bureaus and I should expect the correction to appear in 30 days. I have tried to reach XXXX XXXX by phone along with an emails and as of today's date (1/25/18) the information remains on my credit report.
Regards,
XXXX XXXX XXXX
EMAIL TRAIL:
RE: Erroneously reported debt
Original debtor: XXXX
Account #XXXX
Debt amount: $XXXX
This email should serve as proof account number XXXX was fraudulently opened in my name and erroneously report to XXXX, XXXX and XXXX.
I have never had an account with XXXX XXXX and request this information be submitted to all three credit reporting agencies immediately for removal.
The XXXX police has been notified of this the fraud on XX/XX/XXXX.
HSCD case: #XXXX
Deputy: XXXX XXXX. Unit XXXX
Burglary and Theft XXXX
Regards,
XXXX XXXX XXXX
XXXX
XXXX XXXXs
XX/XX/XXXX
to me
Hi XXXX,
If you are stating that this account is fraud, the following documents will need to be submitted so that we can start a fraud investigation:
Police Report (with account information listed on report)
Notarized Affidavit of Forgery
Copy of drivers license
Please feel free to contact our office if you have any questions.
Thanks,
XXXX XXXX
From: XXXX XXXX [mailto:XXXX]
Sent: Tuesday, XX/XX/XXXX XXXX XXXX
To: Customer Service Credit; XXXX
Subject: Fraud investigation - account XXXX
XXXX XXXX
XX/XX/XXXX
to XXXX XXXX
I suspect it to be fraud however it can simply be in error in the reporting process made to your company from XXXX. I would suggest you investigate it further determine it.
I followed the directions you gave me to report it to my local police and I expect for your company to do something about it. Because again, it does not belong to me. I need that information removed from my credit report immediately!
If you do not have the authority to do that then I need to speak to your supervisor.
XXXX XXXX
XXXX
Sent from my XXXX
XXXX XXXX
XX/XX/XXXX
to cs, XXXX
Documents requested by your regarding fraudulent account #XXXX.
This email along with documents you requested should serve as proof of my identity as it relates to fraudulent account XXXX set up in error in my name using my personal information and reported by you to the national credit bureaus.. Again, I have not ever opened any account with XXXX XXXX XXXX nor with XXXX XXXX. This information should be immediately reported as fraud or erroneous to all three major credit bureaus. If this information remains on my account longer than 30 days I will report this to this matter to the Federal Trade Commission.
I would like your actions relating to this matter in writing.
Regards,
XXXX XXXX
XXXX.
Attachments area
XXXX XXXX
XX/XX/XXXX
to me
Hi XXXX,
We received your fraud documents. Please allow 3-5 days for fraud investigation period. Feel free to contact our office if you have any questions.
Thanks,
XXXX XXXX
From: XXXX XXXX [mailto:XXXX]
Sent: Friday, DXX/XX/XXXX XXXX XXXX
To: Customer Service Credit; XXXX; XXXX XXXX
Subject: Re: Fraud investigation - account XXXX
XXXX XXXX
XX/XX/XXXX
to XXXX XXXX XXXX,
It has been several weeks since I provided you documentation you requested which should unequivocally prove I am not the person whom opened this account.
I have not heard back from you by email not by mail as I requested you reply in writing to me regarding this matter.
In addition, the information is still reflected on my credit report.
Please advise what steps you have made in investigating this and when I can anticipate this erroneous information removed from all three major credit bureaus.
Regards,
XXXX XXXX
Sent from my XXXX
XXXX XXXX
XX/XX/XXXX
to me
Hi XXXX,
This account XXXX was closed due to fraud on XX/XX/XXXX. A letter was mailed to the address we have on file, XXXX XXXX XXXX XXXX IL, XXXX. A deletion was submitted to the credit bureaus to update this account. The update may take up to 30 days for the credit bureaus to update your account. Attached you will find documentation for your records. Please feel free to contact our office if you have any questions.
Thanks, XXXX XXXX
From: XXXX XXXX [mailto:XXXX]
Sent: Thursday, XX/XX/XXXX XXXX XXXX
To: XXXX XXXX
Attachments area
XXXX XXXX
XX/XX/XXXX
to XXXX XXXX XXXX I did not receive the original document because the XXXX address is the fraudulent address. I reside in XXXX Texas and have never lived in XXXX. However I do appreciate your follow up on this matter and am looking to see this information removed properly from bureaus.
XXXX XXXX.
Sent from my XXXX
XXXX XXXX
XX/XX/XXXX
to me
Hi XXXX,
I am sorry about the incorrect address on file. Do you want me to email you another letter with your corrected address information? If so, what is your correct address?
From: XXXX XXXX [mailto:XXXX]
Sent: Friday, XX/XX/XXXX XXXX XXXX
XXXX XXXX
XX/XX/XXXX
to XXXX XXXX XXXX
Yes, I would like the correct address on the document.
My address is:
XXXX XXXX XXXX XXXX XXXX, TX XXXX
Sent from my XXXX
XXXX XXXX
XX/XX/XXXX
to me
Hi XXXX,
Attached you will find the requested corrected information. Please feel free to contact our office if you have any questions.
Thanks,
XXXX XXXX
From: XXXX XXXX [mailto:XXXX]
Sent: Friday, XX/XX/XXXX XXXX XXXX
Attachments area
XXXX XXXX
XX/XX/XXXX
to XXXX XXXX XXXX,
The fraudulent account is still reflected in my credit reports. I realize you said I should wait 30 days however I am in the process of applying for credit and expected quicker movement on this since it has been adversely effect in my credit for several months now.
Please advise when the correction was submitted to all three major bureaus and again, when I can expect this matter to be resolved.
Regards
XXXX XXXX XXXX
Sent from my XXXX
XXXX XXXX
XX/XX/XXXX
to me
Hi XXXX,
As stated in previous email this account update could take up to 30 days for credit bureaus to update your account. A deletion letter was mailed on XX/XX/XXXX for your records. Please feel free to contact our office if you have any questions.
Thanks,
XXXX XXXX
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| 10/18/2021 |
Yes |
- Debt collection
- Other 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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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. TEMPOE LLC bal. {$2600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/26/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Re : Consumer Complaint : Predatory Loan form tempoe To whom it may concern, On XXXX XXXX I took my XXXX XXXX XXXX to XXXX XXXX and XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CO XXXX. Initially when my car broke down, I called several locations to obtain an estimate. Upon calling XXXX they stated they could pick up my vehicle from my job and run a diagnostic on it ; which I agreed. After they picked it up XXXX at XXXX informed me I needed my transmission rebuilt and the cost would be anywhere between $ 2400- {$2800.00}. I told him I did not have that type of money and asked if he would be willing to work any type of payment with me. It was then that XXXX informed me of their loan through XXXX. I gave him authorization to run my information and check if I qualified for the loan. XXXX called back and told me I was approved for {$2400.00}. I said Ok, then lets go ahead and get the transmission rebuilt. We went over the monthly payments and he informed me I would need to make a downpayment of {$600.00}, which I did, and then my payments would be {$410.00} a month for 5 months. When going over the contract with XXXX, I reiterated that all I would have to pay is {$600.00} down and {$410.00} a month for 5 months. He confirmed I had understood everything and signed the loan. Additionally, I was told the initial lender was XXXX XXXX and when I contacted XXXX XXXX regarding my payments they told me the actual lender was a company named XXXX and gave me phone number XXXX XXXX to contact them. I called XXXX to confirm the due dates and the date of the payment. They also verified that I had XXXX payments set up at {$410.00}. XXXX has actually been running {$420.00} each month from my card and I never complained.
On XX/XX/XXXX, I called XXXX and spoke to a XXXX. I called to move my final payment of {$410.00} out 2 weeks due to an unexpected emergency and ensure he would not run the card on file. He begins to tell me I owe them another {$1200.00} for handling my loan and stated it was a leasing option. I asked him what he meant and he stated I would have to buyout the lease from XXXX for my transmission. I clarified with him that none of this information was told to me by XXXX ; which is where I agreed and signed the paperwork at. I feel this is a predatory loan as I was at no time was I ever told by XXXX or other employees at XXXX that I was leasing my transmission repairs or that I had the option to buy my repairs. XXXX stated that information was somewhere in my paperwork and I told XXXX I had clarified with XXXX at XXXX the conditions of the loan and the amounts due and was never told I would be leasing my transmission or that I would have an option to buy. By neglecting to provide me with the information, I feel XXXX was purposely deceptive because had they informed me upfront of the additional {$1200.00} leasing/buy option, I would not have agreed to the loan and I may not have ever fixed the truck as it is not worth the amount spent. XXXX should disclose the leasing option, up front, along with the documentation showing your monthly payments instead of placing the information regarding the lease on a separate page ; that was not shown to me. The only page they go over with the customer, at least myself, was the first page with the monthly payments and total of the loan ; which does not include any leasing fee of {$1200.00}. Nobody tells you about the additional lease/buy option and that is mis-leading. That a very important info for a consumer to know upfront. The first time anyone brought up the leasing fee was XXXX and that was after I called to finalize my last payment.
Last, when speaking with XXXX, I specifically made sure he would not run the card number they had on file and asked him to confirm. He guaranteed me that they did not have my permission to run the card and the card would not be run. On XX/XX/XXXX my wife realized XXXX had charged her card, the card XXXX specifically stated he would not run, and my wife had to file a dispute through her bank. I called XXXX that Saturday morning and requested to speak with the manager. I told the representative what it was about, she placed me on hold, then came back stating the Manager was refusing to talk to me. Their practices are extremely deceptive, unfair, and predatory from the beginning to the end. I hope you truly look into their predatory loan practices as I can not be the only person this has happened to and would not want any other person to have to go through this.
I look forward to your reply and resolution to my concerns. As a resolution, I am seeking not to have to pay the additional {$1200.00} that was not explained to me, nor did I ever agree upon and my account be considered paid in full. Additionally, they should be required to thoroughly inform consumers there is an additional {$1200.00} leasing fee. Please feel free to contact me at the above address or by phone number ( XXXX ) XXXX.
Thank you in advance, XXXX XXXX
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| 07/11/2018 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX was affiliated with the transmission place in XXXX XXXX Conn. I do not know the name of the business because it wasn't my debt. My boyfriend at the time needed a transmission put in to his truck. because he bought a truck not knowing had a transmission problem. so he went to the transmission place in XXXX XXXX CT. And spoke about cost of a New transmission and the manager of the business had told him that he could fix and give him a new Transmission for I believe was XXXX. And he had talked him into putting it on a Credited Card approved for exact amount a little over. he said job be like XXXX dollars bit got credit for XXXX and I would have to pay like XXXX down toward it so left balance of like XXXX and then when they paid the credit card place the same day I gave them the money that was not the arrangement the job wasn't even done yet. They had the truck for months and the job wasn't done yet I was paying every week out of my Bank card. And I had paid oflver XXXX from my bank card then they wentand charged my credit card I was approved for I believe more money I did not agree to because they didn't fix the transmission right they had to replace the transmission 3 times. They gave is a rebuilt one not a new one its not what we had agreed to the manager lied and he kept charging our credit card with tempo fraudulently for whatever not approved by me. I didn't even want to even so this I was talked into by the manager. He lied and was out to just scam customer making fraudulent money for the business. job was not satisfactory the amount agreed to was only up to XXXX and I paid XXXX about up front minus off the amount. The job was suppose to be about XXXX to XXXX and the amount of credit on the card was about XXXX max. They paid the charge the card same day was on the XXXX about almost 3 years ago they received their money for the transmission before transmission was even fixed or repaired. they had the vehicle for about 3 months and was in out and not running for about a year. I paid the Tempo aganecy over XXXX. Like probably XXXX. Was not right didn't have the truck in and out manager lied fraudulent on my tempo card and charged us for things we did not agree to the manager was fired guess wasn't his first time other complaints on him yet this affects me in a very huge way because I have lost my job of 22 years of service and I didn't know that they had put a balance of debt on my credit history of XXXX I had just a little bit left that I owed the on my card and About a couple of years ago agreed to pay them the balance I owed them was like XXXX dollars but they wanted like XXXX. Interest because I stopped paying then because I said I did not approve of the extra money I did not authorise them to charge me more money and that they should not of been charged the same day I pad them XXXX. XXXX down they already was sent the money the same day that was not part of the agreement. because they never even started it yet. Had truck over 3 months best of my knowledge yet between them and manager of the transmission place did stuff without my authority. like I said I didn't want any part of it the manager smooth talk everything said that it would be done it was a new transmission and that would not be any more then XXXX. The max. Yet the job was only suppose to be XXXX about and the tempo agency pad them the entire XXXX. And yhe n the transmission charged more after the fact I did not approve. Now I am at XXXX I am paying XXXX time more then I have already paid them. I paid about XXXX down in can to yhe manager and job was suppose to be XXXX about he got extra in case approved for XXXX on card. The tempo agency paid them same day about XXXX I paid about XXXX of payments on my debit card that is like XXXX in payments I put stop in my credit card. and now its on my credit history stating I owe them XXXX about. I never agreed to anything up to XXXX he said it was not going yo be over XXXX yet he got me credit for XXXX about with tempo. and tempo had paid the mteh same day I paid my first payment of XXXX to set up the account. Nothing was suppose to happen until the transmission came in. the work was not even begun yet tempo paid them the entire XXXX about this was not what I had agreed to and if he used my signature fraudulently Then that is what happened I only sign for the XXXX the extra XXXX dollar was in case and the transmission was sent in Over 3 times and never was fixed right and we agreed to new not rebuilt
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| 01/16/2019 |
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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I would like to bring to your attention something that has just happened to myself and I am sure has happened to others that feel just as exasperated. This complaint is against XXXX and the XXXX/ Why not Lease it.
My family and I found ourselves on hard times this past XX/XX/XXXX. Due to our situation - we needed a refridgerator.
Looking at prices on various sites - and again due to circumstance- I decided to purchase from XXXX . They were offering a program with low payments and I knew I could pay it off within months when life started to work out.
I purchased an 18cf refridgerator. Nothing fancy. Just a plain usable refridgerator.
Purchase price XXXX delivery XXXX purchased on XX/XX/2018 I called today to ask how much it would be to pay it in full next week.
I was told by the representative that I would need to continue XX/XX/XXXX and XX/XX/XXXX payment of XXXX. Total of payments = 5 * {$91.00}.
I then could purchase it for an addititonal {$270.00}.
The total of purchase of a {$390.00} refridgerator from XX/XX/XXXX to XX/XX/XXXX will be {$730.00}.
My complaint towards XXXX/ Why not lease it, lies in the total cost of what I had intially believed was a short term ownership agreement. What kind of interest is that?
As stated, I am sure I am not the only customer this has happened to.
I have tried to speak to XXXX on the matter but their customer service will not speak on the lease purchases. I have made 3 attempts and each time told that they are not trained on the lease option and would have to transfer me to the leasing company they use. One of these calls was to corporate XXXX. I retained their email and phone from the most helpful gentleman on XXXX chat on their appliance website- who also has no knowledge of what leasing terms entail and could not help on that.
I continue to contact XXXX due to the web site for sales of their appliances and misconceiving information telling customers to use this option.
I have received a reply from coporate that states basically - not their problem.
I had then wrote to the Attorney General on the complaint and received a response from the Manager of Regulartory Complaints /Sears Holdings making slanderous remarks on my character.
I have spoken to the leasing company who basically doesnt care about any sort of integrity. States that the 2 final leasing payments must be made regardless if I want to end it now. If I want to buy it afterwards then I would need to pay the {$270.00} add on.
XXXX placing this leasing option on their site and hiding the specifics of the REAL cost - shows no integrity also.
Placing the leasing company on their site portrays that XXXX agrees with this company and stands by them. It inhibits customers to believe it is part of XXXX and should trust the company.
XXXX/ Why not lease it -- is a " finance company '' that hides information from the buyer until sale is done. Although afterwards you are given multiple receipts on the " deal '' it is not with full understanding of what you have just signed.
The " lease '' in which is " available '' is not completely available until after you make the purchase - and not even the employees you are purchasing from in the stores ( or online ) can explain the terms to you before the sale ( or after ). Before I had even made the purchase I had contacted XXXX/ Why not lease it several times and it was not revealed to me with any of the calls.
The hidden cost at the end of your " payments '' becomes a shock. You are not able to pay- as I requested - without finishing the 5 payments first.
I would also add that just in the past week ( my 5 payments have been made ) I had then received an email stating that still another payment to make it to 5 to be made. This email / bill was sent by XXXX/ why not lease it. When I contacted them, I, of course was told this must be a mistake and sent inadvertantly.
I also am including the lease that shows under my account which states entirely different payment than my receipts.
This company is no better than the pay day loans some offer and the repayment for products are hidden in an agreement that is not specified upfront at any time.
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| 07/17/2019 |
Yes |
- Debt collection
- Credit card 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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As a result of a purchase at XXXX XXXX in XXXX partially financed by XXXX XXXX I received an unsolicited " pre-approved '' credit card from XXXX, which I never activated and to which I never charged any anything. The debt to XXXX arising out of the XXXX XXXX purchase was fully paid and discharged.
However, I later received a collection letter ( approximately on XX/XX/XXXX ) from XXXX attempting to collect XXXX related to an debt that I had allegedly originated with Tempoe , Llc. I never incurred such a debt and I disputed the charge. On XX/XX/XXXX I received a letter from XXXX stating that their investigation concluded that I did not owe the debt and that all charges were being removed.
However, on or about XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX XXXX attempting to collect the same debt that was now allegedly owned by XXXX XXXX XXXX. I also disputed this charge and explained that the charge was the result of stolen identity.
On or about XX/XX/XXXX I got another collection letter from XXXX XXXX XXXX XXXX attempting to collect the same debt on behalf of the same XXXX XXXX XXXX. I then hired a lawyer who on XX/XX/XXXX sent a letter to XXXX XXXX demanding that all credit collection efforts cease and that such debt be removed from my credit history with the several credit reporting agencies. My lawyer also sent letters to XXXX, XXXX to fix my credit report.
Since we received no response from XXXX XXXX, on XX/XX/XXXX my lawyer wrote a letter to XXXX XXXX XXXX, the alleged owner of the alleged debt, demanding that all collection efforts be stopped. No response was receive.
Later XXXX XXXX XXXX ( XXXX ) renewed collection efforts on the same alleged debt, but now on behalf of XXXX XXXX. On XX/XX/XXXX my lawyer then wrote to XXXX making the same cease and desist demand.
On XX/XX/XXXX The XXXX XXXX XXXX, a law firm representing XXXX sent a letter to my lawyer as a " confirmation that XXXX ha [ d ] closed and returned the account to the creator ... [ and had ] ... submitted a trade-in deletion request to all relevant credit reporting bureaus ... '' It also stated that the current owner of the alleged debt was XXXX XXXX and that XXXX had provided XXXX XXXX copy of my lawyers XX/XX/XXXX letter outlining the issue.
Now, on XX/XX/XXXX, I received another collection letter from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) demanding I pay the same alleged debt. I don't know on whose behalf XXXX XXXX XXXX is now attempting to collect the alleged debt. My lawyer again has sent a letter to XXXX XXXX XXXX outlining the issue and the history of this illegal collection saga.
It is apparent that even though both XXXX and XXXX recognized and acknowledged the fact that I did not owe this debt and stoped their collection efforts, the owners of the alleged debt keep assigning it to someone else who then commences new collection efforts. I do not know whether this is just a glitch in the system or whether it is being done maliciously by the holders of the alleged debt.
This matter has already cost me a significant amount of money, on top of the mental anguish it has caused me, in an unsuccessful attempt to stop this outrageous harassment. My lawyer informs me that the only step left to him is an expensive lawsuit against XXXX XXXX XXXX and the current holder of the debt ( unknown to us at this time ), and maybe against XXXX XXXX ( the last holder ) who apparently, even after being informed of the issue, assigned the debt or is still trying to collect it. He can't guarantee me that even after incurring these expenses and obtaining appropriate injunction orders from the court ( and maybe some compensation ) the problem would not continue and further legal steps would be necessary.
I need help to stop once and for all this outrageous harassment.
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| 12/27/2017 |
Yes |
- Debt collection
- Other 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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Dear XXXX Representative, The reason for this Fax is to bring to your attention a Fraudulent Account on my credit report originating from XXXX XXXX and XXXX XXXX XXXX ( XXXX ). XXXX and XXXX added a collections account to my credit report on XX/XX/XXXX from a fraudulent account originating at XXXX, a furniture leasing company and XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX.
When I called XXXX they could not find any accounts under my name XXXX XXXX associated with my social security # ending in XXXX. They did have an account under a the last name XXXX with my social security #. I told them that this was not my last name, but they insisted it was me and they said I purchased a 5 piece furniture set in the State of FL onXX/XX/XXXX from XXXX XXXX and XXXX XXXX on XXXX XXXX, XXXX. I asked them for the stores number and they gave me XXXX. I called and it says voice mail not setup. I looked up the number online and it said the store was closed.
XXXX : XXXX I than received a call from XXXX, XXXX at XXXX and XXXX XXXX who said he bought the XXXX XXXX and XXXX XXXX XXXX at least 2 yrs ago. XXXX said XXXX XXXXXXXX XXXX XXXX XXXX had closed down over 4 years ago.
I called XXXX back and asked how a new account could be opened onXX/XX/XXXX if the furniture store closed down 4 years ago. I also asked XXXX how I could have purchased furniture in the State of Florida on XX/XX/XXXX when I live in XXXX XXXX, CA. They proceeded to tell me they could not help me because this account was sent to collections at XXXX XXXX XXXX ( XXXX ) and I should call XXXX.
I than called XXXX XXXX XXXX ( XXXX ) and proceeded to tell them the same story and they insisted this was my account and said I took delivery of the furniture and I owed them {$3100.00}. I asked them what the delivery address was and she said the furniture was delivered to XXXX XXXX XXXX. I asked her to repeat the address two more times and she stated all three times XXXX XXXX XXXX. I told the XXXX customer service person this was not my address and she started to get very upset.
I told XXXX this was Identity Theft and this was a fraudulent account because the new account started on XXXX was under a false name, XXXX XXXX, at a store thats been closed for 4 yrs and with a false delivery address. XXXX said I needed to send them a police report and Affidavit of Forgery and my drivers license to dispute the account and then hung up on me when I tried to ask more questions.
I called the XXXX Sherriff department and Deputy XXXX came and took my statement and issued me a police report stating that Im a victim of Identify Theft Penal code 530.5 ( A ) which is unauthorized use of another person 's personal identifying information.
Im asking XXXX to remove this fraudulent collections account from my XXXX XXXX and XXXX credit reports because Im a victim of Identity Theft.
Im including the Police report which is 2 pages and the Notarized Affidavit of Forgery which is also 2 pages with this 2 page cover sheet and my Drivers License and Passport Card.
Sincerely, XXXX XXXX XXXX
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| 06/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Servicemember |
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A company known as WhyNot Leasing also known as Tempoe LLC has made attempts to collect money not owed and processed transactions for items I did not receive. The company attempted and completed charges to my credit card for items not owed nor did I receive or have possession of.
WhyNot Leasing also charged my card for amounts not even initially agreed upon in the amounts of {$140.00} and {$20.00} because the agreed to amount was {$280.00}. I initiated a contract in XXXX of XXXX for furniture for my father who has become ill. The first amount was processed that month in the amount of {$280.00} and would be {$280.00} thereafter according to the agreement.
My credit card was charged for random amounts such as {$20.00} and {$140.00} which was never agreed to. The furniture order was in XX/XX/XXXX and I was told it would arrive in a few weeks. I was concerned with my father 's health and what would happen if I wanted to cancel the items and was told not to worry because I would be able to cancel the items at anytime and any amounts paid would be refunded in the event he had to have assisted living. My father became gravely ill in XXXX of XXXX and I called the XXXX location to cancel the items which is where I initiated the agreement with WhyNot Leasing and they said it would all be taken care of. I brought my father to the XXXX XXXX Hospital Emergency Room in XX/XX/XXXX and he ultimately passed away in XX/XX/XXXX. However, I was still being charged for the furniture I did not pick up and WhyNot Leasing stated that no one cancelled the order as discussed, but knew that the items were still at the XXXX location. I emailed WhyNot Leasing in XX/XX/XXXX basically reiterating the same conversations I had with the XXXX location and with WhyNot Leasing explaining that these items were cancelled and are still at the XXXX location. Everyone acknowledges that the items are at the XXXX location but still will not process a refund. I had these charges put on my XXXX card thinking that I would have some protection in the event of problems because I was paying for items in advance of receiving them. I contacted XXXX to have these charges reversed because no one is doing anything at WhyNot Leasing or at XXXX about these charges to my credit card. XXXX informed me today that their options are limited and said that the charges will remain on the card.
Its like a nightmare because I have to relive the time my father passed away by having to re-explain why I cancelled items for purchases for a loved one that passed away. I am simply requesting a refund for items which is only fair because I never had possession of those items nor did I receive those items. I will attach a copy of the follow up email I sent to WhyNot Leasing back from XX/XX/XXXX which they never responded nor returned any of my calls and an audio recording of them acknowledging that the lease was cancelled but no refund was ever issued.
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| 11/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I was originally contacted over the phone by XXXX XXXX to make arrangements to collect a debt. ( I did not record the date, but it might be over 30 days ago. ) When they told me the amount and what it was supposed to be for I was sure it was n't my debt. They had my SS #, my married name ( though that is no longer my legal name ), a birth day that was close to mine, an email address I 've never used, an address and an employer that were mine, but from the XX/XX/XXXX.
The company the lease was from was XXXX XXXX XXXX XXXX but i do n't know if that was a brick and mortar store or something online. XXXX said they did n't know either. The Leasing agency was XXXX out of NH. XXXX is out of CA. I live in Indiana, but not in the city that was used on the paperwork. I have n't lived there for almost 20 years.
After explaining all this to a supervisor at XXXX XXXX I was told that I 'd have to dispute the debt and that they 'd send me something that I needed to respond to in 10 days. They did not send me anything in the next couple of weeks, and unfortunately I had not copied down all this info so I did n't know who to contact.
Then I received a packet of info from XXXX that seemed to just be a copy of the debt they bought. It said our offices are " in receipt of your dispute '' but be advised we have contacted our client XXXX XXXX XXXX XXXX who has confirmed the name and address listed on the account as well as the amount owed '' There was a toll free number from XXXX which I called. It was late in the day on Friday after XXXX. I got a very confused sounding man with a foreign accent who said I had to call XXXX instead. ( Though XXXX has sold the debt. ) I called and left a message.
Today XXXX called and was very insistent that the debt was mine and I was just trying to shirk my responsibilities. I asked repeatedly to speak to a supervisor but was told it would not do any good because they knew it was me and I needed to stop lying and just pay. That isnt word for word, but is the jist. Eventually they let me speak to someone who acted more reasonable but told me I had to file a police report and send them a copy.
I contacted my local police who told me that was n't how it worked and told me to have the XXXX call him. I tried calling back with that information but was put off until later.
I do n't know what else I should be doing. Do I need to file reports somewhere else? Do I need to contact credit agencies?
|
| 01/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XXXX XXXX I leased a refridgerator from XXXX. Shortly after I started having problems with the fridge/freezer getting too warm or too cold and ruining much of my foods. After constantly throwing out food I contacted XXXX and they instructed me to call XXXX because i didnt get an extended warranty plan with them, therefore XXXX would have to service my refrigerator. XXXX gave me XXXX phone number and I called relentlessly over the course of a month but no answer, so I called XXXX back and they gave me another number for XXXX which I called for weeks with no answer. I called sears yet again and the manager instructed me to call XXXX XXXX XXXX XXXX because there was nothing more they could do for me. I called XXXX XXXX XXXX XXXX and explained what was going on and i was given yet another number for XXXX which i called faithfully for several weeks and no answer, so I called XXXX XXXX XXXX XXXX again and spoke with another rep. explained the situation and he said i should of reported it within the 1st 30 days ; I explained I report the problem when it occurred. He said if a freezer/fridge is getting to cold or too hot then someone has been in the back of it messing around with the coils or panels. I said that was ridiculous I dont know the first thing about fixing refrigerators and would never attempt to fix it. He said oh no we dont fix merchandise you damaged and i repeated I didnt damage it or go in the back messing around with the fridge. When I was getting the fridge from XXXX and XXXX XXXX XXXX they told me the refrigerator would be serviced by XXXX for the duration of my lease if something goes wrong. When I desperately needed help I they failed me and I got the run-around from both. A refrigerator is one of the most important appliance in a house to anyone and to be without one yet again and still paying and getting treated as I was when i faithfully fulfilled my end of the agreement as you will see in the documents i will send. I stopped making payments and told the rep they are in breach of contract stopped payment. Now XXXX has closed absolving them of any responsibility. I have given XXXX and XXXX XXXX XXXX {$1300.00} to date the original cost of the fridge was {$550.00}. Now they are sending collectors after me for {$1000.00} they should bow their head in shame and apologize they truely hurt me. I wasted time grocery shopping, money and only to have it ruin. May they too go out of business as XXXX.
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| 08/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I previously submitted a complaint for what I thought was a debt that was not mine. A {$720.00} amount showed up on my credit as a collection with the orignal lender listed as XXXX XXXX and the collector listed as XXXX XXXX XXXX XXXX XXXX. I had NO idea what this was. XXXX XXXX XXXX XXXX XXXX responded to my complaint with the documentation showing it was a purchase at XXXX. This cleared everything up for me! YES, I did make a purchase of a {$370.00} tv at XXXX, on what I thought was a take home lay-a-way program which is EXACTLY how it was described to me by the XXXX employee that sold me the tv. The tv was {$370.00}. I was n't going to buy it but the employee suggested their payment plan. He said it was just like lay-a-way, only you got to take the merchandise home, and make payments until it was paid off. The payments were set up for auto pay. That sounded great to me! I gave him the info, signed something on a key pad and left with the tv. The payments started coming out shortly thereafter. Please see attached bank statements showing payments that came out of my account from XXXX through the end of XXXX. The last payment came out on XXXX XXXX. By my calculations, I made {$420.00} in payments automatically. A reasonable person would think that when the payments stopped, the item was paid in full. I WAS NEVER TOLD OTHERWISE. According to the payment agreement that was provided to me by XXXX XXXX XXXX XXXX XXXX ( which I have attached as well XXXX, there should have been XXXX final payment on XXXX XXXX of {$30.00}. I do not see that payment on my bank statement. I do not see an attempt, or an overdraft fee or ANYTHING. So this whole collection is over a remaining balance of {$30.00}?!!! Are you kidding me?!! PLEASE, I need this looked into. There is no way this can possibly be legal or ok. I was NEVER given a copy of the agreement or any paperwork at all, other than a receipt. My phone number has been the same for 10 years. I did move a mile away but my mail was forwarded. I never received ONE phone call. I never received one thing in the mail telling me I still owed money!! I do not pay things late, I have good credit. I would have never let something so small just go delinquent. I was never given the opportunity to make it right. A full YEAR after I thought this was paid in full, I get hit with a collection!! This is WRONG. It is deceptive. And I fully intend to take it as far as needed to make it right.
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| 10/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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The lease agreement terms was for the amount of {$1800.00} I paid {$680.00} at the signing of the lease and have paid a total of {$1200.00} in biweekly payments since XXXX totaling the entire amount paid to be {$1900.00}. More then amount leased I called to buy out of the lease agreement and they told me I'd have to pay another {$680.00} or continue to make payments until XX/XX/XXXX. None of this was explained to me at the time I purchased the stereo equipment. The store ( XXXX XXXX ) was contacted the same day that we purchased the equipment and they told us ( My sons father and myself ) that we needed to contact Tempoe in order to return the merchandise because it was leased through them. I then contacted Tempoe and they said that it had to be returned through XXXX XXXX. My sons father then took the receipt to the store where the manager kept the receipt saying that he'd get back to us on what needed to be done. None of this is equitable to me as a consumer and I was tricked into a lease agreement with none of the terms told to me everything was done on a computer so I was not able to read anything until it was printed off. I would like for this lease agreement to be handled as I've paid more than the amount that I've leased. This agreement is in violation of the Truth and Lending act I've paid more than 4 installment payments and have received no equity as a consumer.
This is a Consumer Lease Agreement that has no signature from administering agent I was emailed the original lease agreement which does in fact have my signature but in order for it to be legal and binding it should have two one from myself and the administering agent. The company showed up on my credit report XXXX on XX/XX/XXXX this is my receipt of purchase, letting me know that this was in fact a consumer credit transaction. Pursuant to 15 USC 1605 a finance charge is the sum of all charges and is involved in every consumer credit transaction. No were in this agreement does it show me what the finance charge was which is deceptive because I was told my credit wasnt being used. This entire agreement is deceptive and misleading. I was not able to read anything at the time a signing my signature was provided in a small keypad with the computer screen turned facing the store clerk.
|
| 05/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
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|
In XX/XX/XXXX I went to the XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX VA ( XXXX ) to purchase a new dishwasher. While checking out, the store employee told me that I could purchase the dishwasher either outright ( which I had intended to do when I went to pick up the item ), or I could make biweekly payments with no interest for the same cost - they would just deduct {$42.00} every two weeks from my bank account. I decided to try the payments since there would be no difference in the cost.
Fast forward to XX/XX/XXXX - a company called TEMPOE has been taking {$42.00} from my bank account every two weeks beginning on XX/XX/XXXX. Thus I have now paid {$770.00} for a {$450.00} dishwasher that I was perfectly capable of purchasing outright at the time of my purchase, but was grossly misinformed about what I was signing up for.
On XX/XX/XXXX, I called TEMPOE at ( XXXX XXXX XXXX XXXX per the last charge on my account to ask what these charges were for. They informed me that I had signed up for a lease of this item I intended to purchase outright. When I told them that I never signed a lease for an item - I was told I was just making normal payments for the cash amount - they told me that they could close out the lease. But I paid over {$300.00} more for the item than I was told at first, AND I NEVER RECEIVED ANY DISCLOSURES OR AGREEMENT FOR A LEASE. After explaining this, the TEMPOE employee noted that they had emailed it to an email address that was not mine - confirming that no terms were ever disclosed.
The TEMPOE employee has put in a request to refund {$300.00} to me, but was very clear that there is a good chance they will not approve the refund. I am filing this complaint because I sincerely believe that the money is owed back to me due to the fact that I was not informed that I was signing up for a lease but instead was told I was buying something same as cash, just making payments instead - and that no lease agreement or disclosure of any terms were provided to me. I am also questioning the integrity of this service based on what I have gone through.
I have attached a history of all of the payments made to this company since my intended purchase ( and unintended lease ).
|
| 05/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This complaint is in regards to XXXX XXXX. This company has called me from the number XXXX a few times since obtainingy account with them. If I do not answer my personal phone they then called my work phone on XX/XX/XXXX they were advised verbally by our phone call not to contact my work phone number as I can not take personal calls at this number. They have called a couple of times prior to that on both phones but I do not have those dates unfortunately. On XX/XX/XXXX I received a call from XXXX from XXXX XXXX and I was not able to take this call but someone else did and took down a message from them. Not two minutes later I got a call on my work number after they were advised I can not take personal phone calls at that number. I let the gentleman on the line know again on XX/XX/XXXX around XXXX XXXX not to contact my work phone number again and he ignored me and began talking about my balance owed. The gentleman on the line began raising his voice as I told him I can not pay anything currently nor can I commit to something at this time due to financial hardship and he said he was not there to hear about my burdens just there for business. They stated this was the last time they would call before they sent my account back for refusal to pay. My wife then took over the call and their supervisor got on the line and wanted to set up payments. My wife asked for a letter regarding the payment arrangements first and they did not want to do that and they said they simply did not want to send something out for a {$25.00} a month payment plan. So we advised him to send it back then because we want something in writing. He stated that something was sent in XX/XX/XXXX but we had not recieved it and he stated that we threw it away. They were demanding payment by the end of this month and that is something we could not do and would not without something in writing first and they would not provide it. Each time this company calls they yell and threaten that they have just today to get this resolved before it goes back to the original creditor. I spoke with the original creditor and they stated they are not expecting anything back regarding this account with them. Please get this resolved
|
| 08/28/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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Please note the application for credit was applied for by the salesman. The salesman explains the terms as you will have to pay an initial amount upfront and then you will have five additional payments which will be auto drafted. He asks you a series of personal questions and puts the information in the system and then tells you the amount you have been approved for. I did not receive any type of paperwork with actual terms listed before the transaction. All I had to stand on was the words of the salesman. After the transaction you are given your receipt.
Later after calling Tempoe , LLC is when I found out the terms were on the receipt. It still does not rectify the fact the actual terms are not received until after the transaction. **Note : the terms explained by the salesman were in the top of the receipt but in smaller print on the receipt were the terms regarding a lease. ** I argued I did not owe any additional payments and became so frustrated I told the representative, you do not have permission to withdraw any additional payments from my account. I stated consider this contract null and void. I also told her I would return the merchandise.
When I tried to return the merchandise to XXXX they stated it was not theirs and I could not leave it with them. Therefore, I called Tempoe , LLC and asked them to come get their merchandise. I did not receive any additional communications from them but a few days ago I was contacted by a debt collector ( XXXX XXXX XXXX ).
**The organization acted deceptively, with misleading conduct and false representations. ** Lead to believe payments made are going to the purchase of the item. Instead you find out after the fact you are leasing rather than purchasing. This violates the truth in lending act ( TILA ) know before you owe ( KBYO ). The company has become known for its inconsistent and predatory lending practices.
Requires disclosure in the cost of credit. Must receive in writing the finance charge and APR. Would not allow return of the property. Creates a cycle of continuous debt and refinancing which is illegal in the state of Georgia.
|
| 02/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I just received an email last week and updated, or thought was an update on a account that said a payment didnt go through, okay I was thinking what the heck. I pay my bill every week! I answered that email with the payment issue that I was thinking what in the heck are you even talking about. I thought it was fixed then get another email today saying their was a problem with my account. Once again what in the world are you talking about. Well the guy says I have {$180.00} in return fees. Okay, wait a minute WHAT? I come to find out the card you are all running is a card that had to be reissued by the bank due to a fraudulent charge back at the XX/XX/XXXX. Okay, I was told I had been called about it. Well I personally didnt get any phone calls as its hard for me to answer my phone, so no voicemails either. The next form of communication is mail not email, but mail for which I never received anything and I responded to both emails. Thinking everything was still right. You all charged me {$180.00} in chargeback fees for a card that wasnt even working, because fraudulent behavior on the account. I never noticed it not coming out because I have quiet a few transactions. I asked about this chargeback fees and said do you take my payments out on a Friday he said yes and I said there is no way thats when my husband gets paid and their is ALWAYS money in the bank even if not on a Friday. Mail, you couldnt have sent me something by mail, for which you did not. {$180.00} in fees on a card that was no longer working. You could have sent me a piece of mail yeah never did and I responded to the two emails. I paid my {$160.00} odd dollars to catch up and also that {$180.00} fee. You did them offer me pay out at {$500.00} the actual merchandise was barely {$250.00} not counting what you had already collected with the right account information and I also put money down. This is shady, very shady! I dont have a choice but to warn others, even the XXXX. I cant notify you if I dont know whats going on. No mail and two emails I did answer. UNACCEPTABLE, because I do not run my finances like this.
|
| 04/16/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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I went into a XXXX XXXX store located on XXXX XXXX in XXXX ny. I asked the clerk for a XXXX XXXX XXXX for my cell phone but he did not have it. I turned around and walked out of the store. The clerk then chased me down into the street to ask me if I wanted to see if I was eligible for a free XXXX . Being in need of a working telephone I walked back to the store with the clerk. After XXXX minutes of running my name in his system the clerk says hey you are eligible for an XXXX . The only thing is that you have to pay XXXX dollars a month for it. I said honestly that 's a little expensive sir I do n't know if I can afford that. The gentleman continued persisting I get the phone & mentioning perks of having a XXXX with the XXXX XXXX service. After a couple minutes of persuasion & reassuring me I finally agreed to get the phone. The gentleman then folded sum paperwork ackwardly & ask me to sign at the bottom for the phone. I had no clue that I was signing a contract agreement between me and a phone leasing for the XXXX . The clerk lied about the agreement on the phone & did n't even mention that I was leasing a phone. He claimed I was paying XXXX dollars a month which was XXXX for the service and XXXX dollars off the price of the phone which is initially only XXXX dollars on the receipt. I payed up front XXXX dollars for the phone not to mention XXXX payments or more of XXXX dollars every XXXX weeks was removed from my account unauthorized. I went back to the clerk and pleaded with him to please take the phone back but the gentleman would not. He did n't want to service me anymore after I made the purchase which was not even a XXXX of the initial payment transaction. I spoke with the store owner about the ordeal and he apologized and agreed to take back the phone. We had schedule a day to meet at another store location of XXXX XXXX on XXXX XXXX but was unsuccessful due to lost of contact. I called the owner numerous times and left numerous messages to return my call but was unsuccessful.
|
| 05/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XX/XX/XXXX, I had purchased items under a lease, XXXX XXXX was advertising 90 days same as cash at XXXX XXXX. I authorized verbally and documented company to withdrawal and set up bi weekly payment plan for the account to be paid in full on XXXX XXXX XXXX via lease agreement. So the company automatically withdrew payments bi weekly until XX/XX/XXXX for some odd reason. The checking account or any contact info hasn't changed still to this day. The company failed to notify me of delinquency or why they failed to withdrawal of payment which the last payment that was automatically set up to pay this account in full would occur on XXXX XXXX XXXX in the amount of {$170.00}. When i called XXXX they wouldn't discuss any information on account and directed me to a collection company called XXXX XXXX XXXX. I mailed certified request of validation of debt which was returned and trying to get this resolved since XX/XX/XXXX and have came to no resolution. I've disputed several time to the 3 major credit bureaus and nothing has changed nor any information on this on why it was delinquent for the amount shown on my credit report. I couldn't get a hold of XXXX XXXX XXXX, and left several messages with this creditor. Still no response. Tempoe breached their own contract, failed to notify of delinquency, returned request of validation, and never flagged the accounts during disputes. Reported amounts 11 times greater than the account owed, but due to the negligence on the company not abiding by their contract/ lease agreement which there's a clause for same as cash purchase to be withdrawled which should of been XXXX XXXX of XXXX failed to take the last payment so this purchase/ lease agreement would exhaust. They decided to ignore my concerns and harass me by putting it on my credit report which is not enabling me to purchase a home. I have went on XXXX website to find out who to submit a complaint to which is XXXX XXXX, which i emailed today. I just want this off my credit report as collections and hoping they will resolve this within 28 days ...
|
| 04/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I apologize as I do not have exact dates. I spoke with Mr. XXXX ( not sure if that is spelled correctly ) from XXXX XXXX XXXX XXXX around XXXX XXXX 2020. He told me his company had one of my debts for Tempoe LLC for {$560.00} and wanted to arrange payment. I advised him that due to COVID I could not make a payment at the time. He responds with " You don't want a judgement on your record do you ''. I advised him that I am not going to be intimidated by fear tactics and asked how long I had before this alleged " judgement '' were to happen. He said " I do not have time for this '' and hung up the phone. I called him back to ask why he hung up and he said " I was wasting his time ''. After speaking with him further we had come to an agreement of $ 50/month until the debt was settled. I advised I wanted the agreement in writing as it was a settlement agreement for less than the original debt. He advised he would send it to me via e mail. When I did not receive the agreement I blocked the payment from going through as I am not going to give access to my bank account to someone without a written agreement to protect myself. Since we spoke right before XXXX I did not have a chance to contact them regarding the agreement before receiving another call from Mr. XXXX. He advised the payment did not process and I told him why. He went into a rant about how I should have called him and how I need to make a payment before he sends me an agreement, which is not what he said originally. He then advised I was wasting his time once again and we ended the conversation. A woman called me from this company about a month later. I advised her what happened with Mr. XXXX and she seemed to be apologetic but then said she was going to put me down as a refusal to pay. I said I wasn't refusing, just asking questions. She said she would reactivate my agreement and would send me the written agreement via e mail and someone would contact me when done so. I have not received a written agreement or anymore phone calls from this company since that interaction.
|
| 07/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Starting XX/XX/XXXX the number XXXX claiming to be XXXX called me regarding a matter from XX/XX/XXXX. When you first answer their recording states " You will be serviced legal paperwork in 72 hours '' When someone answered the phone the man kept saying that he was on the phone with the courts. They stated that I needed to speak with their supervisor because I was going to be sued. The Supervisor got on the phone and told me that I owed {$310.00} but if I paid that day on XX/XX/XXXX and that day only that they could drop the price to {$220.00}. I tried to explain that I needed to look into this claim and they pretty much made it seem like I only had two or three days to look into this without getting sued. They stated that they were XXXX and that they were working on behalf of XXXX XXXX XXXX or XXXX XXXX XXXX. I looked into this claim on XX/XX/XXXX and then received a phone call again from XXXX on XX/XX/XXXX wondering when I was going to pay because my account was in pre litigation with their office. They never offered to send me anything in the mail regarding the debt as I have not received anything from neither FCS or XXXX XXXX XXXX. When I spoke with the man on XX/XX/XXXX he was all over the place putting me on hold saying " Oh sorry I was on the line with the courts '' and then he finally got me to the supervisor where they stated they would look into my questioning as to why the other man kept stating he was on the line with the courts which made it seem like I was being sued right then and there. They never got back to me. I set up an arrangement I was not comfortable with because I felt like if I did not then I was going to be sued right away. I have attempted to call XXXX XXXX XXXX a few times and have left voicemails and have had no returned phone calls I called on XX/XX/XXXX and XX/XX/XXXX. So far they have not been able to prove this debt to me which also has my maiden name and I have not used that name in 6 years. Also when I asked about the debt they just kept saying it should be on your credit report.
|
| 08/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I spoke to XXXX XXXX XXXX today XXXX at XXXX central time about a damaging fraudulent negative collection account from them on my credit report. They have this marked as a brand new account from XXXX XXXX which is a lie, the ( orginal account ) is over XXXX XXXX XXXX which is thru whynotleasing.
They purchased the collection account actually from XXXX XXXX which in XX/XX/XXXX XXXX XXXX called me and harassed me about the account stating i failed to pay XXXX XXXX and they want payment i informed XXXX XXXX that there was a payment agreement that was set up thru XXXX XXXX to pay XXXX a month until account was paid off they agreed to that amount back in XXXX because of child support. XXXX XXXX refused to take payment on this account on XX/XX/XXXX never heard nothing back from XXXX XXXX Fast forward to XXXX when i called XXXX XXXX XXXX as i had just checked my credit because ingot a alert of a new collection account at the number XXXX. I informed the gentelman on the phone who said the call was being recorded about the issues on my credit report that they failed to send a letter 30 days prior to making a negtive collection account mark on my credit report and if this is their practice that they do not follow the national fair credit debt collection act, his response is they follow the fair credit debt collection act ( sometimes ). I also i formed them that the account is over 7 years old and they couldnt collect on the account. I also informed them that they had also caused me not to get a loan thru XXXX XXXX XXXX XXXX which i have the letter of denial due to the collection account which is the only collection on my credit report. Which i will provide proof of the denial of credit letter upon request.
I would like this matter looked into and also would like security credit services to provide me montary money damages to be agreed upon at the time of closure of this file.
I have also gave them a verbal cease and desist on this matter as well. And to repair my credit and take the collection off
|
| 03/17/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I purchased a stove from XXXX in XXXX, ma using their Why not lease it now credit purchases programs based in NH. Tel XXXX and address is XXXX XXXX XXXX XXXX XXXX, NH XXXX. After about I made 4 months of on time payments and then I had called the company thinking I would be able to make my final payment and I had contacted XXXX who is the the manager of the manager of the company stated on phone that none of my my payments counted toward the balance because it is a lease. He also admitted on the phone on a recorded call that the sales representative at XXXX mispresented the terms of the lease and he said I signed a contract. However XXXX doesn't give you a contract they provide you with a receipt that you sign in tiny print. I was told that I passed the deadline within a month to pay the stove off and I had to pay the whole balance of {$240.00} which meant all the payments I made since the lurch date back in XXXX of XXXX every 2 weeks did not count towards the purchase price. So they then explained my options was to keep leasing it or returning the stove. I feel it was. It right they were not transparent about the supposed contract as I was under impression since they don't explain they contract terms week that if you don't pay within 90 days it later turns into a lease agreement. I had no idea that they would count all the payments I made as lease payments. That's why I feel they are deceptive the way the program is treated as a credit program as I though my payments within the 90 days would have counted towards the balance. They uses very deceptive tactics and this was a very cheap syove over not worth all the money I feel I was robbed out of. They need to recompense me as I feel they were unfair business practice at least refund me monies that I applied toward the initial 90 day period. They made this way more complicated than it had to be and I have vision issues so handing someone a receipt with tiny print at a XXXX cashier is very unhelpful in this situation.
|
| 01/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
My Dad purchased a refrigerator at the XXXX Store in XXXX, Texas, through XXXX ( aka Tempoe ) on Saturday, XX/XX/2019. I paid for half of the price from my debit card while he paid for the other half cash. This was the beginning of our problems. The refrigerator was supposed to have been delivered on XX/XX/2019, The delivery team was rude to my XXXX, XXXX father, and never delivered the merchandise. On XX/XX/2019, I rushed my father to the emergency room where he was subsequently admitted into XXXX. On XX/XX/2019, prior to being XXXX, he gave verbal notification to XXXX that he would be cancelling the refrigerator. Sadly, he died on Saturday, XX/XX/2019. On Monday, XX/XX/2019, I went to XXXX and spoke to the manager to submit paperwork to XXXX to inform them of his death and to have them process the refund in my name. The documentation was faxed while I was at the store office. I had been following up with XXXX, but, to no avail. From what " XXXX '', the district operations manager for Tempoe told me, documents received between Monday and Wednesday would yield a check release on the Friday of the same week. By his statement, the check should have been mailed to me on Friday, XX/XX/2019. For reasons unknown to me, XXXX did NOT process anything in the timely manner alleged and the check was allegedly mailed on Friday, XX/XX/2019. I have attempted to get the corporate telephone number to Tempoe to formally complain about the rude and insensitive manner in which I had been treated by " XXXX '' and XXXX/Tempoe. When I asked for the corporate number, XXXX would not provide it to me. Instead, he talked down at me and was quite rude. He kept giving me toll free numbers that wound up being answered by people who were not even in the United States. When I demanded the corporate telephone number, I was given what turned out to be a mobile phone contact. As of this writing, I have not received a refund.
|
| 04/10/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I am having trouble with financing I received for some auto repairs on my car. I never received a copy of my signed agreement and was told by the shop I received the services that the company will email the executed agreement. I had some family business ( caring for parents ) to tend to after I got the XXXX fixed and was n't able to follow up.The company began debiting my account for the amount agreed but then they started debited my account on days not agreed ( every other Friday ) and caused overdraft on my account, which they continue to do. So as I tried to get information online about the contract I found out the actual financing was a LEASE contract for the PART used in the repair and after a certain time I would have to " return '' the XXXX equipment at the end of lease. Essentially I am renting the repairs made to my car and not financing the repair cost as I was originally was told. In neither the Tempoe agent I spoke to or the representative at XXXX XXXX referred to this as a lease agreement and I was not advised the that I would be returning the repair equipment. I called in to Tempoe a copy of my executed agreement online and he said the agreement was on the web account. The agreement has no time stamped signature or the electronic signature I signed on the pad at XXXX XXXX . I have requested a copy of this and any other documents of my lease agreement and the company refuses to send it to me. The agent spoke to XXXX says that they do n't have hard copies of the agreement to send me. I asked him for any paperwork for this loan to be sent to me and they have failed to send it. He also, said I can purchase the equipment for a fee. I feel like from beginning there was was deceptive loan origination practices and this company is not disclosing to their customers that they are entering lease agreement for equipment financing.
|
| 10/22/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
On XXXX/XXXX/XXXX I visited XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Delaware XXXX the purpose for visit was to purchase a lawn tractor. I became interested in a XXXX XXXX ' riding lawnmower, retail price for the lawnmower {XXXX} dollars.
XXXX offered XXXX no credit check XXXX line of credit, information provided by sales associate. Whom explained the program allowed to make minium payments, with initial payment in store following a payment plan to which I would own.
XXXX XXXX XXXX, explained the terms of this line of credit through a third party lender.
XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, NH XXXX company is also known as XXXX. XXXX XXXX XXXX, obtained my personal information in order to initiate the line of credit with XXXX XXXX XXXX XXXX XXXX. A credit line was approved, it was explained that I would make payments in the amount XXXX after the minimum payment frequency the line of credit would be satisfied and I would own.
On XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, Notified me claiming my minimum rent payment was satisfied and I am presented with XXXX options to purchase in amount XXXX or return the item or continue leasing the item. After informing the company I was never aware that this credit line did n't permit owning after minium payments were satisfied XXXX XXXX XXXX XXXX XXXX, attempted to offer a reduction of the buy out to XXXX} or a recovery team would be in contact with me to collect the lawnmower from ownership.
I paid XXXX frequency payments for the retail price of the lawnmower purchased, through XXXX XXXX XXXX XXXX XXXX terms and misrepresentations to no fees in credit line but more so unlnownly buy out I would be required to pay XXXX over retail price for the item.
|
| 01/25/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
1. XX/XX/XXXX I received a credit alert from XXXX as I receive alerts with all activity on my credit report.
2. The alert indicated a collection reported on XX/XX/XXXX in the amount of {$2200.00} from XXXX XXXX with a open date on XX/XX/XXXX and last payment of {$110.00} that stated the balance effective XX/XX/XXXX is {$2200.00} opened with XXXX XXXX. I never even made a payment of {$110.00} as this account does not belong to me and is a fraud account.
3. I never received any correspondence from XXXX XXXX or XXXX XXXX via mail or telephone. I have no idea who this company is, I have no credit with this company. If you review my credit inquiries I don't even have any credit from these companies at all.
4. I attempted to contact them at XXXX and they refuse to assist me and said I owe {$2200.00}. I asked for correspondence because I have no paperwork, statements, calls, or anything, as this is not my account and it is fraud. They just stated I owe them this money and refused to provide me any correspondence. I advised them that this is a fraud account because it does not belong to me.
5. I disputed with XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX found the information accurate and refused to remove it from my credit report and told me to contact XXXX XXXX as I did and they refused to provide me with any correspondence as well. I asked XXXX how they were able to find this collection accurate in one day after each dispute and how did they find this to be accurate as this account was never on my credit report and then suddenly 2 years later they report a collection that does not belong to me. Their response was some companies are faster then others and advised me to file a complaint with you.
|
| 08/23/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
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On XXXX/XXXX/XXXX, I purchased an XXXX washer appliance from XXXX XXXX store, XXXX, California. The customer service representative who served me stated I could pay a portion of the purchase price in store and the remaining balance on an installment plan with a XXXX approved outside financing agency. I agreed to said promotion and paid {$260.00} in store with the agreement I would then be charged 5 additional payments of {$44.00} per month for the remaining balance, with the total amount paid equaling {$480.00}. The 5 monthly payments were paid in full. However, the month succeeding the 5th payment XXXX XXXX XXXX, I was charged a sixth payment of {$44.00}. Upon contacting the leasing company ( WhynotleaseitXXXX ), I was informed my lease was not a lease to own and that if I wished to purchase my appliance, I would need to pay the residual balance of {$140.00} in addition to the next installment payment of {$44.00}. This would bring the total paid to {$710.00} for the appliance with a cash price of {$480.00}. In addition, I was informed I could continue to pay the lease fee for an additional 12 months, after which time, I would need to return the item to the creditor. In total, I will have paid the company 147.16 % of the retail purchase price of the appliance. I believe this company is engaging in deceptive practices by not explicitly disclosing that you are agreeing to a lease without ownership at the point of purchase. Furthermore, the company does not inform you of the option to purchase your item at the end of the 5 payment period, instead opting to continue automatically charging your payment account without notice.
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| 05/30/2020 |
No |
- 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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This purchase took place on XX/XX/XXXX at XXXX XXXX XXXX. I was told by the clerk, XXXX, that the company was involved with a sleep study funded by a federal grant. I was told that if I agreed to participate in the sleep study I could get my mattress purchase significantly discounted, so I agreed. I was charged {$300.00}, paid with my debit card, and had a queen size mattress, box spring, and frame delivered the same day. I never signed anything stating that I would pay more than the {$300.00} I was charged.
Months later I began receiving text messages from WhyNotLeaseIt. Although I did not know what the company was or why they were contacting me I did not look into it any further. When the calls began I was completely flabbergasted because I never agreed to pay {$1900.00} for that mattress.
I tried disputing the charge with WhyNotLeaseIt in XX/XX/XXXX. I sent in a copy of my receipt but was told that it was not valid because it was not signed. However, the attached credit terminal receipt states that there is no signature required. I tried to go directly to the merchant but since then XXXX XXXX XXXX has closed permanently. After closing, the same location was called XXXX XXXX at one point, but is now closed as well. I tried emailing at the address printed on the business card, but the email could not be delivered because the address is not valid.
The account was being collected by XXXX XXXX and I have tried to dispute the charges several times with all three credit bureaus. I received so-called proof that I owned the debt in the form of an electronic signature with only my initials in lower-case, " XXXX ''.
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| 09/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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On Friday, XX/XX/2018 I contacted a creditor that I owed. The company name is XXXX. I called trying to pay out an account I had with them but i was told another agency was handling my account and to call them. The company that was handling my account is XXXX XXXX XXXX. I called and I informed the lady that I needed to pay out the account. She said the balance was {$700.00}. I said okay and then I said to her I see this is not been reporting on my credit report and she said No it isnt. I proceeded to pay the money and she said it declined but that she would run the card again the next day which was Saturday. I said okay. She stated she would send an email and confirmation when it was done. Saturday morning I checked the account and the pymt was made yet I did not receive an email or confirmation from them. Approx 1-2 hours later I received an alert from XXXX XXXX indicating a new collection was added to my account. I logged in to see that this company had reported it to my credit reporting agency as an unpaid account as of XX/XX/XXXX. As a result my credit score dropped over 34 points causing me delay in trying to purchase my first home. Prior to Friday I had never heard anything from this company. No phone calls or letters. It was not on my credit report until after they got their money. This company reported false information not by accident but knowingly they put false information on my report causing me harm. This company should be fined because they violated the FDCPA LAW which states if a company puts false information on your credit report knowingly this is a violation.
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| 05/31/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
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Web |
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I purchased a lawn mower through XXXX on XX/XX/XXXX through the XXXX XXXX XXXX XXXX program. Put down the deposit needed and was never provided a lease agreement at all in store. I was under the assumption it was like rent to own not lease it forever and pay a arm and leg for it. When I was able to look at my lease through the XXXX XXXX XXXX XXXX site I discovered what was explained to me paying it off in 5 months ( per the store ) then I would own it and not have to pay interest, that was wrong. On top of that it was a brand new riding lawn mower that when I got it home found rust on it, I called the store that day and had to go into the store the next day and they were suppose to have it fixed that week by a XXXX employee to come to the house and replace the rusted hood, I never got a call so with that I decided to return the item on XX/XX/XXXX when I was back in town from work. I got a signed receipt from the store showing they received it and sent XXXX XXXX XXXX XXXX a copy of the lease, the return receipt to the store signed by a manager and sent it certified mail. They have called me no less then 5 times since returning it stating that I owe them money. I have provide to them all this information again over the phone and also the certified letter tracking number showing they got it. They called yet again today and have threatened to put this on my credit report and demanding that I go to the store and call them from there. I have talked to supervisors at this business and still getting harassed over something that was returned.
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| 09/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Received a phone call from a representative of XXXX XXXX XXXX advising me that they are attempting to collect an unpaid debt for furniture delivery in Florida. I immediately thought this was a fraud, and I advise the person that I was hanging up because I 've not purchased furniture and do n't even live in Florida. We conversed more and I found that somehow someone opened an account with my credentials with a company named XXXX XXXX XXXX to purchase furniture - I was even given the address - a 'manager ' of this credit services company was the one whom provided me with this extra information and assured me he would send this case back to the leasing company.
I immediately looked up this leasing company and called in attempt to clarify this - I was unable to speak to a 'person ' but was able to leave MULTIPLE messages. To date no one has contacted me.
Pulling up my credit report after the XXXX security breach I noticed a collection account listed for {$1800.00} from XXXX XXXX XXXX, I also see that one of my past addresses listed is FLORIDA? I 've NEVER lived in Florida - I can provide any proof needed and can attest to the fact that I have NEVER lived in Florida and have not opened any account from XXXX to purchase furniture.
PLEASE CLEAR THIS OFF MY REPORT as this is FRAUD/I am attempting to purchase property and this should not be on my report - I believe this leasing company did not have a valid right to open an account under my credentials. How could this happen? This is completely false and illegal!!!!!!
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| 04/08/2022 |
Yes |
- Debt collection
- I do not know
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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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I sent a letter of convergent asking for : 1. Validation of the debt-that is, the actual accounting.
2. Verification of a signed invoice.
3. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.
However, according to 15 USC 1692 ( E ), 15 USC 1692 ( D ), AND 15 USC 1692 ( B ) Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication of a debt.
A loan agreement is a contract and so there has to be full disclosure of all the details ( which there wasnt, both sides have to put up something of equal worth ( which didnt happen ), the contract has to be signed is wet ink by both parties.
Contract : a written or spoken agreement, especially one concerning employment, sales, or tenancy, that is intended to be enforceable by law.
" both parties must sign employment contracts '' A statement is not an Invoice so would you please provide a signed Invoice as requested.
A loan application does not constitute a Contract as it only signed by one party and I asked for a copy signed by both.
Once again, I am demanding the requested documents to be sent to me within the next 14 to 28 days and if this does not happen than I will consider the debt to be fully discharged and for my property returned to me.
Kind regards,
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| 06/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX Why Not Lease It, based in XXXX OH, has called me several times for several the last several days prior to XXXX am local time ( Mountain Time Zone ). In total, I have received 17 calls before XXXX am local time ( Mountain Time Zone ) over the last 6 business days. I have called them back and am told it is an attempt to collect a debt. While, I full acknowledge having an open lease agreement with the organization that has been and is current, never once late or delinquent, I have no past due amount. Further, when I spoke with a gentlemen today, and asked why they were calling me at this hour, I was told " pay your bills and we won't call you. '' At that moment he went into his this is an attempt to collect a debt and all information gathered will be used to collect the debt referenced. I demanded to speak with a manager. I was turned over to XXXX at that time and made mention that I knew that they were violating the law. He said yes your right. The purpose of the call was a " WELCOME CALL '' not to collect a debt as I was informed. Sadly the same welcome call was completed on XX/XX/2020. I have asked several times to stop these calls and am told they can and will not. At this time, I ask that they been investigated and punished accordingly. I plan to speak with legal counsel today on this matter and will seek further personal legal remedies on this matter including damages.
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| 02/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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On XX/XX/2021 I received a phone call stating XXXX XXXX XXXX XXXX XXXX was attempting to serve me with paperwork that they were taking me to court. They stated that unless I paid their settlement amount or agreed to enter into a payment arrangement of {$200.00} per month for 10 months they would sue me in court. Also stated that they have a tax return offset against me and were in the process of filing a wage garnishment with my employer already. The debt was for {$1000.00}. I have paid a settlement offer with the collections company that is listed on my credit report, XXXX XXXX XXXX XXXX, when I spoke to the representative there, they stated that they have not heard of the other company, and that it is illegal for them to state that they have a tax return offset and that they were filing a wage garnishment form with my employer without a judgement against me. I contacted XXXX XXXX, who stated he is the manager of XXXX XXXX XXXX XXXX XXXX, today XXXX XXXX at XXXX XXXX PST and he stated that the collections company does not own the account even though they are the only one reporting to my credit reports and that they are going to serve me with papers and that they have the legal right to pursue tax return offsets and wage garnishments prior to a judge hearing the case. The phone number for XXXX XXXX XXXX XXXX XXXX is XXXX.
|
| 02/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
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I leased a refrigerator from The XXXX outlet store located at Address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX on XX/XX/XXXX. I exercised my early purchase option on XX/XX/XXXX and paid off my lease. I then decided to cancel my 5 year XXXX purchase plan warranty on the same day. ( cost of XXXX ). I started making phones call at XXXX XXXX est on XX/XX/XXXX, after being transferred multiple times, and dropped into different call queues, I was able to get the warranty cancelled, HOWEVER I am now being told that I have to wait 15-21 business days in order to receive a CHECK for {$590.00}, because it is there policy to issue a refund to the method of payment that they have on file. THE METHOD OF PAYMENT ON FILE IS MY DEBIT CARD that I have been paying with since XX/XX/XXXX. It does not make sense that I have to wait all of this time to get my money back! They need to issue my credit onto my card. I received a series of conflicting answers through out this entire process from both the people the XXXX outlet, TEMPOE, and WHY NOT LEASE IT ( same company ) horrible customer service, incompetent people, and poorly trained. I also found out that the address they have on file is incorrect on the first go around, the rep said he fixed it, but when I called back, it is still wrong. So whatever check they are sending me, will not reach me!!
|
| 01/18/2018 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
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|
Web |
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We obtained a lease from XXXX through a company called XXXX or XXXX. We were advised that we were able to payoff our refrigerator with 10 biweekly payments of {$140.00} which would total the amount of the refrigerator of {$1400.00}. We were not advised that we would have to pay an additional payment of for a 90 day buyout in XX/XX/XXXX. At the beginning of the lease we sent 3 emails that went unanswered and attempted to contact them via phone as well with no response. Now we are being told that in order to payoff our refrigerator we would have to pay an additional {$900.00}. When I asked to speak with a supervisor to resolve the issue I was hung up on. We really feel taken advantage of by not only the leasing company but the salesperson at XXXX at well. My family made sacrifices for the 10 payments because we knew it would not be for an extended time period. This was a Christmas gift for my fiance and I am extremely disappointed at having to continue with these payments. We are hard working people and this is unfair. My fiance took a refrigerator from the XXXX XXXX and intentionally looked for one that was not too expensive. I do n't feel this is fair. I feel robbed!
Also, the company took a partial payment in XXXX. We were not certain as to why but now we feel it was a part of their plan to try and scam us anyway.
|
| 06/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I've been contacted numerous times by XXXX XXXX XXXX for months regarding a debt I owe. I ignored the calls for the most part because it seemed like a scam from the beginning. However, I finally obliged and called them back requesting additional information on this charge they are collecting ( {$1700.00} ), they did not have any details but promise to send them via mail. Nothing was received, and I communicated to them that I am no longer taking any calls as I haven't seen anything on my credit report on this alleged debt. I check my credit report yesterday ( 2 months later ) and my score had dropped significantly due to a delinquent debt by XXXX XXXX XXXX. I've contacted them several times within the past couple of days which resulted in their failure to provide information, hanging up, unable to provide a valid email address or website, and just very suspicious operations. I've since communicated to them that I have filed various complaints ( identitytheft.gov, FTC, police report ), and will proceed to take legal action if not resolved by them. They have then blocked my calls, or hang up the phone when I use a different contact number of theirs.
I do not have any documents from them with information on this debt. They have only operated over the phone, requesting immediate payment via credit card.
|
| 10/02/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I went to XXXX on XX/XX/XXXX, to purchase a washer and dryer and was presented by the sales representative that I could lease it instead of paying the entire amount all at once. I was approved for a little over {$1800.00}, once I received my lease agreement I still assumed that my lease was no more than {$1100.00}. Once I reached my 5th payment I thought that my bill total will be completed taken the washer and dryer was only {$1300.00}. I contacted the customer service number and the guy was saying once I reached my 5th payment I could buy out the purchase or continue to lease it. So I asked how much is owed he went on to transfer me to someone who would be able to assist. After being transferred to numerous people, the line was disconnected. The next morning ( XX/XX/XXXX ), I sent an email requesting a payoff amount with no response, a couple days later I sent another email requesting a payoff amount as well as stating that after adding up the total amount of payments made through XX/XX/XXXX, my total purchase would be {$4000.00}. That was looking at the payment schedule that was posted on my account.
I think this company is very misleading. I filed for bankruptcy and as my attorney was reviewing the lease agreement, he couldn't make out the terms saying the contract makes no sense at all.
|
| 08/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NOTE : I am no liable for this account since my information was used by a family member, XXXX has sent me a " Lease agreement '' with date of transaction, with my " electronic '' signature not it. No hand written signature provided which does not prove I signed that lease.
I have sent multiple letters to XXXX, XXXX, and XXXX in regards to this debt. I have asked them multiple times to " Verify '' this debt. The first time they have removed it. I believe a couple weeks later they have added the debt back on to my credit report, then removed then added, which has significantly damaged my credit score after hard work of building it. XXXX has done this multiple times which resulted in decreasing my score significantly. I have sent them a re-insertion letter, explaining that if they had already removed a collections account that is still " Unverified '' that it should stay removed under FCRA! I am currently in the process of getting this account removed from my credit report since, 1. I am not liable for it.
2. it is stopping me from establishing good credit.
I have also contacted via letters the creditor directly so they can also verify this account.
Debt is listed on all 3 of my credit reports under : XXXX XXXX XXXX - Amount is {$820.00} Original Creditor XXXX XXXX XXXX
|
| 08/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
Hello and thank you for taking my request this is a serious matter I have been waiting on a refund from why not lease it through XXXX for furniture that I never received I never received a product I have been working with them back and forth since the end of XXXX all right they had to do their investigation wish they did they told me to go call XXXX or call by XXXX the XXXX will be the latest that I would have heard anything but nobody never called me I sent several emails to the company and I still got no response I literally just got off the phone with why not lease it and their phone number is XXXX XXXX. They told me it would take two to three more weeks to process my refund into my account and I find that highly disruptive to my life there's a pandemic going on I don't know why people think it's okay to just mess with people money and their livelihood at this current time it is devastating to me that I don't have my {$470.00} back in my account at this point I have bills to pay I pay rent my rent is {$100.00} my life is more dollars okay I have a car note insurance everything if I would have knew this I would have never ordered from them and I will never use them again I'm done with them because they keep giving me the runaround and I'm done with it.
|
| 11/14/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I made a purchase at XXXX for a XXXX dishwasher. I was going to pay cash but this would have put me in a bind financially until I got paid again.When checking out the store clerk told me about their credit program to get it financed. I was to make payments of XXXX and my final pay off date would be XX/XX/2018. If I wanted to pay off the loan or lease sooner I could call the company after 3 payments. I thought this sounded great. I was unaware they would continue to bill for XX/XX/XXXX through XX/XX/XXXX. I then called the leasing company several times, Why Not Lease It. The company 's representatives stated the best deal that they could give me was XXXX off which was the XX/XX/XXXX payment, if I paid XXXX in XX/XX/XXXX and XX/XX/XXXX. Of course, I agreed since that was the best that they would help me. I wish I have never chose to lease the dishwasher because I've paid XXXX over what I initially signed up for. The instructions on the lease were very misleading and states the payment plan until XX/XX/XXXX. The costumer service agents were very rude and insulting, though I called them 3 times to resolve this issue. They acted like they did me a big favor for saving me from paying another payment of XXXX in XX/XX/XXXX and insulted me because I was upset.
|
| 02/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
It was a account with XXXX XXXX. The account was transfer to XXXX XXXX XXXX XXXX. I was given XXXX XXXX XXXX by XXXX XXXX on XX/XX/XXXX. I contacted XXXX XXXX between XXXX which they stated that they was the owners of the account. They never stated that XXXX XXXX XXXX purchased this account from XXXX. The XXXX at XXXX XXXX stated nothing would be reported unless it waspaidin XX/XX/XXXX. I paid account on XX/XX/XXXX on XXXX XXXX. The collections from dated on XX/XX/XXXX from security credit was sent on that day. I would like negative on credit to be deleted per XXXX XXXX agreement. Today XX/XX/XXXX received saying nothing will be removed.
XXXXAssignment of consumer debts.This part does not prohibit the assignment, by a creditor, of the right to bill and collect a consumer debt. However, the assignee must give the debtor written notice of such assignment as soon as practical after the assignment is made, but at least 30 days before any action to collect the debt. The assignee is a real party in interest and may bring an action to collect a debt that has been assigned to the assignee and is in default.
If the notice was on XXXXand paid on XX/XX/XXXX. They shouldn't be reporting debt. Plus they had XXXX XXXX collecting without knowledge.
|
| 01/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Purchased fridgerator and stove on XX/XX/XXXX and was told it would be a lease to own product using whynotleaseit. Cash price was {$1800.00} and contract stated we would only pay a total of {$1500.00} per the sales price. Contract states wed pay an initial amount of XXXX, and then next pay of XXXX due on XX/XX/XXXX followed by XXXX payments of XXXX to complete a XXXX period term. We paid the initial payment of XXXX on XX/XX/XXXX and then made XXXX additional payments of XXXX with the final payment on XX/XX/XXXX for a total of XXXX, not {$1500.00}. Contract states we should not have paid past XX/XX/XXXX but that is not correct as it would have only equaled {$1400.00}. At this point we are under the impression we own the product since we have fulfilled all payments and then some. However, it then states on their website in order to own we have to pay an additional {$910.00}. If I have to pay the additional {$910.00} I would have paid a total of {$2600.00} to own a product with a cash price of {$1800.00}. That is almost a 40 % markup. This company is deceiving their customers into thinking they are renting to own, creating confusing and incorrect contracts, and are charging customers additional fees after payments have been made in full.
|
| 10/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
Last XXXX I noticed several weekly payments coming out of my account from Tempoe , LLC. I called them and asked what this was and they couldn't give me any information as I didn't have an account with them. I asked them " why then are you taking out money from my bank account? '' They suggested I call my bank.
I called my XXXX XXXX and they started an investigation and issued me a new debit card as that was how the monies were being removed. They reimbursed me all the funds.
Sometime in XXXX I started receiving phone calls from a company that said they were trying to collect on the debt. I relayed the same info to them as above. They told me that they were emailing me information. I asked what email they were using and it wasn't mine. Something like XXXX????
I then called XXXX County Sheriff Office and spoke with a Deputy who said that this was a common ploy and that I should just tell the people who called that it wasn't my debt and hang-up. He also suggested I keep a watch I my credit report. When I looked today, I found a negative report from XXXX XXXX XXXX in the amount of {$1400.00}. I called XXXX and disputed the report. They suggested I file a claim with the FTC.gov which I am doing today.
Can you please help?
|
| 10/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/XXXX, I went into XXXX XXXX to purchase a refrigerator. The salesperson told me about their lease to own program where I would put down a small deposit that day and every two weeks they well deduct XXXX out of my account until the terms of the license was satisfied., Fastforward to XX/XX/XXXX, I noticed that money was still being taken out of my account at this point I knew my license would of been paid in full. I added up all the charges and saw that I paid over XXXX more than the lease. I contacted the company and was told they will refund the last transaction but their is nothing more they can do because it's a lease to lease agreement. That isn't what I was told at time of purchase and who would pay double the price knowingly, they even tries to get me to enter into another agreement to do a rent to own.At this point o was frustrated and tries to dispute the charge with my bank, but being that some of the transactions were over 6 months there was nothing they could do besides refund me XXXX, which equate to 2 payments. No one ever told me that I needed to contact the company to have payments stop. Once a contract is done all payments should of seized, but they continued taking money out of my account.
|
| 02/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Several weeks ago I contacted the XXXX XXXX XXXX XXXX company and indicated that I have an account in my credit report that does not belong to me and is hurting me at that moment, especially by Mrs. XXXX XXXX and she told me to send her by email the police report and all my documents. It has been several weeks of this and I have not received an answer, today I contacted the company and they passed me to a manager named XXXX XXXX. He tells me that the account is finished investigating and they determined that the account does not belong to me because they do not have any information about me and he told me that the company 's lawyer said that the account stayed in my XXXX report because this is a old account and he's not going to delete it even if it's not mine. He told me that the best thing I can do is pay it off and forget about making a dispute. I explained to Mr. XXXX that this account is not mine that I was a victim of identity theft and he tells me that they do not care and that I have to pay and that since the account is {$700.00} I can not sue them. At the end of the last thing he told me I tell you a secret, we do nothing with these police report send it directly to XXXX and forget about this process.
|
| 02/22/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Purchased lawn equipment through XXXX they offered to apply for their no interests same as cash thru WHY NOT LEASE IT program. Highway robbery. As, the loan has come to an end we have had trouble with the buy out amount. It changes with their excessive fess and interest every time i try and buy out. I have tried taking my card off the on line account so they don't take any more money but website doesn't allow you to do that.It makes you speak to a representative and you are practically forced to go through the whole buy out process again. if you don't buy out your put on monthly you cant afford with excessive absurd amount of fees until you can buy out which are EXCESSIVE but, when they have access to your debit card and bank info you have no choice. Which you provide at purchase in order to apply for their program at XXXX stores. XX/XX/XXXX the merchandise was purchased for XXXX. To date XX/XX/XXXX they have collected a total of XXXX. After arguing and demanding them to stop and telling them i will file a complaint I still had to pay another amount to buy out of XXXX today. Which now comes to a grand total of XXXX. I am so disheartened that this company is allowed to business in the us. Help us!!!
|
| 09/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
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Fraudulent account opened using my identity. XXXX XXXX XXXX allowed and individual to open an account using my SSN and address. The account was not paid, forwarded to collection agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Mississippi XXXX, XXXX. I was contacted by security credit services and asked to pay the {$1600.00} dollars. I refuted the charges, explaining I had never opened a lease to open account with XXXX, not do I have any knowledge of the account or anyone would would do so under my name. The collection agency asked several questions regarding name, address, drivers license number, and employer. The information used to open the information such as drivers license number and employer dis to match me information. I was told by the collection agency, someone would contact XXXX XXXX XXXX and inform them of my complaint and information not matching.
I contact XXXX XXXX XXXX collections department at XXXX, they confirmed the photo drivers license and employer listed on record does not match. I was asked to complete Identity Theft Complaint and Affidavit, which I did. XXXX XXXX XXXX and XXXX XXXX XXXX continue to report the account as belonging to me, affecting my credit report.
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| 09/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
This balance on XXXX has been haunting me for years. It resurfCed in XXXX of XXXX. At the end of XXXX after reporting it fradulent in XXXX of XXXX, I attempted to contact and negotiate a lower price to pay it off. I do not wish to pay XXXX on a debt that I did not create. At the begining of XXXX I began trying to join the XXXX XXXX. I can not join with this debt weighing on me negatively. I spent 6 months trying to get ahold of the right company. Each number I called was another rabbit hole that ended with them telling me they can not collect on this debt because it had expired. After much research I found out that the debt originated from An XXXX cell phone bill. I have never in my life had a XXXX phone with that service. I have had cable but never a XXXX phone with XXXX. I reported the debt as fraud and it is still lingering. The debt collectors claim that the time for them to legally collect the debt has expired and they are legally not able to take my money and remove this ugliness from my credit. I pay high interest rates and get denied for simple normal coutesies because of this debt and NO ONE will help me settle this issue or even just pay it so it will stop hurting my credit.
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| 02/14/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
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Web |
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I had an account that I opened with a company called XXXX. Its a rent to own situation you lease an item with an option to purchase. I bought a product using this service, completed the lease and then exercised the purchase option via their website. The website allowed for the buyout payment to be made in several installments. I made the required payments to complete the purchase as per my bank statements, but the company kept billing me erroneously after the account was paid in full. I changed my card number to stop the billing and never heard from them again. A year later I now have a {$1700.00} collection on my credit from a bill collector on this account that I believed to be paid in full. I tried calling XXXX but they are saying they wont even talk about the account because its been sold to the collector. The collector doesn't have any details other than the balance they show owed which is also showing on my credit reports. See attached for the original contract as well as bank statements showing the buyout payments on XX/XX/XXXX and XXXX. They then billed me again on XX/XX/XXXX after I show the account should have been considered paid in full.
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| 12/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have written to the company a total of 4 times. I have stated I had no acknowledgment of this account and was asking for documentation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my physical signature. If they have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by not complying with what is being asked. As of XXXX /2017 they had sent me a document with wrong address, no consumer agreement, and also my name typed as a signature with undercase lettering. That is definitely not an authorized agreement. They have STILL not provided me with any proof that this said " debt '' belongs to me.
|
| 08/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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i did lease a hot water heater from the XXXX outlet store in XXXX il, with the company they use called-WHY NOT LEASE IT.it provides for a retail installment leasing/buying program so you can purchase or lease the product if you choose either program, with a buy out feature if you want to keep the product.i did pay off the lease buying contract in full to keep the product according to their terms. on the very same day that i paid off my contract, the company WHY NOT LEASE IT deducted another payment after i had paid off my contract, as the payments were set up on a ach direct debit from my account. i did call WHY NOT LEASE IT, to tell them of the mistake, they reviewed the payment history of my account, agreed that the payment was taken on the same day, then told me they were not going to refund that payment.i then went to my bank and disscussed my options, and then did file a dispute with the company WHY NOT LEASE IT for that last payment.the bank followed up, and did find the payment taken out with no recourse from WHY NOT LEASE IT, and the money was put back in my account as a recovered disputed .item.
|
| 11/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX I filed a complaint with the CFPB against Tempoe LLC XXXX XXXXXXXX for deceptive practices and converting a purchase agreement into a lease arrangement after the product was paid in full ( CFPB Complaint ID XXXX ). On XX/XX/XXXX the CFPB ordered Tempoe LLC to pay {$36.00} XXXX in penalties and provide relief for tricking consumer and hiding contract terms ( CFPB choice of words from their press release heading ). Docket number XXXX. Tempoe consented to this order. In XXXX of XXXX, Tempoe sold the alleged debt to XXXXXXXX XXXX XXXXXXXX XXXX. With the assistance of the CFPB I was able to get them to delete the tradeline from my credit reports and received a commitment from them to never resell the debt. ( CFPB Complaint ID XXXX ). However, XXXXXXXX XXXX XXXX purchased this debt and refuses to acknowledge the terms of the consent order and all previous CFPB actions. This tradeline remains on my credit file and is resulting in a significant rate bump on my mortgage application due to it lowering my credit score. Over the course of the mortgage term, this rate bump is equal to {$86000.00}.
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| 03/10/2018 |
Yes |
- Debt collection
- I do not know
|
- 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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Purchase a ring from XXXX XXXX in XXXX XXXX XXXX XXXX, TX they used XXXX to finance. I paid XXXX XXXX {$45.00} biweekly automatic draft thought my XXXX XXXX XXXXXXXX account. I explained to XXXX XXXX XXXX that the account was paid on the 1st call and 2nd call the rep said he would mark as dispute. When I called today to get additional information this person was rude/disrespectful etc. I ask XXXX XXXX XXXX for the copy of the contract and the original amount. The young lady said that they do not have the original amount or the contract to call XXXX XXXX XXXX XXXX XXXX. She offered me a {$800.00} settlement and I explained to her that I have already paid this account I did not receive a paid in full since they was a automatic draft. This is the ONLY account that I have had with XXXX.
I Called XXXX XXXX XXXX XXXX XXXX he said that they no longer own the account and did not have a copy of the original contract or amount. He said that XXXX XXXX XXXX purchase the account to call them for the original documents and the amount. afterwards since I cant get anyone to help me I am filing a complaint.
|
| 11/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
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Web |
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The XXXX XXXX XXXX has Over-Debited my account and Falsely Reported Negative information on my credit report. I have spoken to Several XXXX and XXXX XXXX Managers on several occasions trying to resolve all issues pertaining to being Overcharged by the XXXX Why not Lease Program. I have Vividly communicated that the XXXX Why Not Lease Program Over-Charged me and when I asked for a refund, My Request was ignored, and Multiple XXXX XXXX Scam Affiliate Companies Have Falsely Reported Derogatory information on my credit report. I developed an understanding with XXXX XXXX XXXX, that while we are working on this matter together that there would be no false or inaccurate information reported on my Credit report. I have been deceived many times by XXXX XXXX XXXX.
Purchase XXXX Order XXXX, XXXX Payment Method : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Led HDTV XXXX Shop your way points Redeemed : {$100.00} I will also submit attachments with Bank Records, Attorney XXXX , And Why Not Lease Paid in Full Documents.
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| 07/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American |
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Out of many disputed debts most were taken off after filing an affidavit from the XXXX. I have made two police reports and gave positive names of who might be assumming my identity. However the same 3 accounts are still appearing as derogatory unpaid accounts. They refuse to remove them no matter what I do. My credit score has increased dramatically but the three derogatory accounts that are not mine still appear and the companies as well as the credit agencies refuse to remove them. Interestingly XXXX did remove 2 of the 3 where XXXX refuses to remove any of the three. I have proven time again that they are fraudulent and not opened by me. I have a 100 % payment rate on my accounts that I actually applied for. Also under hard inquiries I have not ask or applied for credit in years. Then it says the length of time of my credit report is under 3 years I am XXXX and have purchased a home in 1999 and paid it off. I have had credit since I was XXXX and yet it reflects me as only having credit for less than 3 years.
|
| 11/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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In XX/XX/2016 I and my wife loaned {$3000.00} from XXXX XXXX {$1500.00} each to buy a piece of furniture and immediately we started paying the loan using my account and making payments of {$500.00} every month. In a years time, we payed off the loan amount including interest totaling an amount of {$6000.00} and some change. Since XXXX never sent us any statements of payments and balance during the period of the loan, I had to change my bank account at some point when I realized that they kept withdrawing money from my account with an explaining as to what we are still paying for.
I am now surprised to see that XXXX XXXX sent my information and that of my wife to collection starting that I still owe them {$2500.00} while my owes them {$2100.00} meanwhile we had payed them more than {$6000.00} meanwhile the money we borrowed from them was just {$3000.00} .This is very ridiculous and I am demanding a thorough investigation and complete removal of this item from my credit report.
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| 12/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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This company, XXXX XXXX XXXX is bogus and finds accounts to pin on innocent people that have NEVER applied for the " said '' accounts. I have NEVER financed furniture and have an account listed for {$2500.00} since 2016 that is reportedly for a company that was a fly by night furniture company in XXXX and is no longer in business. I have contested it repeatedly and finally got it off of XXXX and XXXX but XXXX won't remove it for some reason. This company has not been able to produce ANY documentation of anything I signed, no copy of my ID, no proof of address where the furniture was reportedly delivered to. It's ridiculous and should NOT be allowed by these credit bureaus.
I have attempted to reason with this company in the past to no avail. The XXXX is FULL of complaints about this company and is even marked as a high alert due to high number of fraudulent reports.
This account is negatively affecting my credit file and I need to get it rectified asap.
Thank you.
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| 03/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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Web |
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The debt collector contacted my parents at their home phone number. My mother contacted me to inform me about the phone call and stated they have called her several times, which she asked them not to call her again. They have ignored her request. She stated they threatened legal action against me if I didn't contact them. She gave me the number, ( XXXX ) XXXX, which I called myself. The number was answered quickly and I was unable to catch the company name so I asked the female what company was she with, which she then asked me to " hold on a moment ''. I asked her did she not know what company she worked for that she couldn't answer my question? She said she asked me to hold on so she could enter the number I was called from into the " federal database ''. She then placed me on hold. I was on hold for about 15 minutes before I hung up. I wanted to find out what company hired the debt collector so I could determine who I owed a debt to or if I even owed a debt at all.
|
| 01/15/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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Original complaint XXXX, this was not taken care of at all. In fact the phone number listed does not work. Today we found out that XXXX XXXX XXXX aka XXXX sold this debt to XXXX XXXX and that was done on XX/XX/XXXX. Now we received a debt letter which we received XX/XX/XXXX, we had no idea what this was for so set a validation letter which was sent XX/XX/XXXX by certified mail, again nothing has been received at all.
Today I woke up to XXXX XXXX being added to my credit report ( XXXX and XXXX at the moment ) and has dropped my score significantly and I was set to buy a home. The agency that is servicing this for XXXX XXXX is XXXX XXXX where the letter was sent to, when I called them today they confirmed they did get the validation letter and they have the response ready to be mailed but have not yet ( XX/XX/XXXX ) however someone placed this on my credit when I asked for validation.
Also this debt which is not valid at all and was sold illegally to another company.
|
| 02/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
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In XXXX XXXX I ordered a mattress from XXXX using Tempoe why not lease it. I have used this company a few times before and they always offered me an option to pay off the purchase within 90 days of delivery for 10 % fee. My bed was to be delivered in XXXX but Gotback ordered. Due to this I cancelled and went to XXXX who also would let me use my Tempoe/why not lease it credit. I got my bed and then called the Tempoe To let them know I was going to choose the 90 day payoff option. They then advise me that because mattress firm process the order in New Jersey that state does not offer a 90 day option. I explain to them that every other lease I had done always offered that 90 day option and that it makes no sense why I would not be offered that seem option when Im still being delivered in Pennsylvania I never even went to New Jersey I just placed a phone call now Im dealing with having to pay three times as much for this mattress or return the bed and lose XXXX.
|
| 04/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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XXXXXXXX XXXX XXXX XXXX PURCHASED A XXXX DEBT FROM XXXX TEMPOE LLC. WHEN I CALLED TO FIND OUT WHAT AND WHO THIS COMPANY IS/WAS. I WAS ADVISE I NEED TO PAY A {$1.00} TO GET INFORMATION ON THIS DEBT. I HUNGED UP ON THE REP AND CALLED BACK. THE 2ND REP HAD INCORRECT NAME AND WRONG ADDRESS. WAS UNABLE TO IDENTIFY ME OR ANY OF MY INFORMATION. THEN STARTED TO ASK FOR MY CORRECT INFORMATION WHICH I DECLINE TO PROVIDE MY INFORMATION SO THAT SHE CAN UPDATE AND LINK ME TO AN INACCURATE ACCOUNT. AS OF TODAY, THEY HAVE FAILED TO REMOVE THE INACCURATE ACCOUNT. THIS COMPANY IS IN VIOLATION OF MY RIGHTS AND HAVE FASLSY REPORT INACCURATE ACCOUNT INFORMATION. THIS IS A STATE i HAVE NEVER EVER RESIDE OR ASSOCIATED WITH EVER.
I WAS ADVISED THAT THEY SKIP TRACED TO GET MY EMAIL ADDRESS FOR AN EMAIL THATS NOT USED.THE REP KEPT FORCING ME TO GIVE HER MY INFORMATION AS SHE CLEARLY STATED THEY HAVE THE WRONG PERSON
|
| 09/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XXXX XXXX sold a PAID IN FULL TO XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, MS XXXX. MONIES were deducted automatically based upon the payments from XXXX each month on time. After the last payment, XXXX was advised to stop electronic payments. XXXX, XXXX sold this account to a debt collector that is not authorized to do business in Virginia ; they fraudulent changed the Original Date and in violation or reporting derogatory information on my credit when it has been paid in full. that fraudulent misrepresent this account I've provided evidence to show that the account was paid in full. In fact, records from XXXX show that the account has been overpaid. The company owes me money.
Virginia requires anyone doing business in the State to register with the XXXX. XXXX , XXXX sold an account to a debt collector, not in compliance with the state of Virginia.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX
|
| 06/19/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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Like in XXXX or XXXX Aprox I dont remember a exact date. I bought a bedroom set for my new apartment. When I knew The account was almost paid off I called the company so I could pay off all my account. They gave me the exact quantity of how much I owned them, I paid, The next day the were charging me the same amount I had payed the day before. I told them. How is that? He just told me, Im sorry he just made a mistake. It wasnt the first problem I had with them. For weeks I tried to log in in my account to see my account balance and I couldnt not. I contacted for help but they even never got me to log in to my account. I am on my right to think they were just scamming trying to get my money. I made a a dispute and XXXX deleted the report, but they posted it again, I made another report, they deleted it and after a year it appeared again. But this time XXXX didnt paid attention to my report.
|
| 04/17/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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XXXX XXXX XXXX has reported on my credit report that I owe XXXX to Why not Lease it.
I have disputed the charges twice with XXXX, however XXXX states they have certified the information to be correct. I provided XXXX with the documents that XXXX XXXX XXXX provided to me which clearly shows payments being made to this alleged account.
There are three issues that I have : 1. I have fulfilled my obligation with Why not Lease it, years ago ( I only had an account one time ).
2. How can you provide documents of payments being made, but then report 0 payments?
3. Where is the contract that obligates me to these alleged new charges?
I have attached some of the documents that were sent to me. You may request they send you the same. One of the documents were drawn up as of XX/XX/2019. Company 's should not be able to fabricate documents that impacts people 's lives tremendously!
|
| 03/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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|
I purchased a dishwasher from XXXX and used there rent to own program. The Dishwasher was purchased in XX/XX/XXXX for {$600.00} and With a payment of XXXX it was my assumption that I would be done paying the debt in XXXX. Here it is XXXX and I was surprised to see that this amount was still being deducted from my account. I called them this last Sunday to see what was happening and they told me that I never contacted them to arrange a buy out? I was confused because this was never explained to me at the time of purchase. I asked them to send me a copy of the agreement with my signature and they stated that it was a virtual signature taken via my credit card at the time of purchases. I have paid this company {$1000.00} thus far and informed me that I could buy out my dishwasher for {$180.00}. more. So basically I have paid them for 2 dishwashers ... DO NOT USE WhynotLease
|
| 07/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
I received a credit fil alert that I have a new collection on XX/XX/18. It was for {$410.00} from a company called XXXX XXXX XXXX. Last year I went to XXXX and purchased a kayak through a program called why not lease it. I paid for the kayak completely then I started getting emails from them saying if I wanted to keep the kayak I had to pay a one time fee of {$150.00} or return the item. I told them to pick up the item time went by and they never picked up the kayak. I called them they said they dont recover kayaks. I said then what do I do with the kayak there response was I do know. 6 months went by and I havent heard from them until I get the collection on my credit report. My score before yesterday was high 700 my score has since dropped 45 points. The companies involved are why not lease it and XXXX XXXX XXXX there contact number is XXXX
|
| 04/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The original debt of {$250.00} was through XXXX XXXX, which sent it to XXXX XXXX XXXX 's collection agency, I then paid it to them XX/XX/XXXX. Therefore the account was paid in full.
Now, this collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX M-F XXXX CST Customer Support ( XXXX ) XXXX Has recently reported this account as delinquent to the credit bureau which causing my credit score to decrease by 32 points. I am in the process of trying to buy my home.
I have contacted them by phone on XX/XX/XXXX, after noticing the change in my credit report. Also by e-mail on XX/XX/XXXX. XXXX, I sent them a copy of my receipt too. However, on XX/XX/XXXX, the collection agency flagged the account in the credit bureaus. Also, they started the account was open in XX/XX/XXXX. Which is false information being reported too.
|
| 07/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, XXXX XXXX at XXXX, who claims they are located in California, threatened to serve me in my local court to " collect '' on a XXXX XXXX account in the amount of {$2900.00} from the year XXXX. I hung up with them and proceeded to call my local courthouse to ask if they had this on file, which they didn't. I called back XXXX group only to get their " Legal '' department. The guy in " legal, '' who didn't give me a name, cursed me out and hung up on me after I questioned his motives. This happened to me before a couple of years ago and I went down a rabbit hole and found out how much the debt actually is. The actual amount of the debt is {$670.00} and the amount is from XXXX. I called the actual debt collector this time around as well to verify the amount I actually owed and they confirmed the {$670.00} amount.
|
| 08/09/2022 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I purchased time share points in XXXX and sign a mortgage for about {$45000.00} from.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX NOTE : this gave me XXXX points to use for stays at their locations. It did NOT give any ownership of real property only the USE OF. The use of was based on availability.
REPEAT : NO OWNERSHIP 0F REAL PROPERTY just use of if available.
I was unable to pay the " MORTGAGE '' beginning on I XX/XX/XXXX.
I notified XXXX XXXX XXXX was unable to pay and would make any future payments and requested release from my Mortgage and any other fees.
I had limited word from them two collection notices from them which where withdraw.
The last contact with by phone was XXXX XX/XX/XXXX and was told it was in work and I would receive an email when the debt was forgiven.
I am tired of waiting.
|
| 05/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This company is performing unlawful credit reporting acts. XXXX XXXX has all three major credit reporting bureaus reporting completely different information based off false information reported by XXXX AND XXXX XXXX. Documents they report with are cropped and tampered with digitally. XXXX XXXX contacted Tempoe and the company stated that the account is showed as paid with them. They explained that the debt was sold as an accounting mishap on their behalf. Before XXXX and XXXX got involved, Tempoe cleared up this information with another debt collector and even sent out documentation showing that the debt was paid. XXXX and XXXX XXXX are unlawfully seeking payments for debts that have paid in my opinion. Falsifying information to collect debts that have clearly been reported as paid by the Original Debtor ( Tempoe ).
|
| 03/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Was contacted XX/XX/2021 by an officer who was supposed to serve papers but called me instead and worked for XXXX XXXX XXXX XXXX XXXX about a payment on my credit report to the company Why Not Lease It. The amount is for {$2500.00}, which I was told included court fees, court costs, attorney fees, or they would settle out of court for {$730.00}. They gave me a few ways to pay. I chose to pay XXXX up front and the remaining 30 days later.
This debt is on my account, but after paying it and reading online, I feel I was scammed. I was never given a contract or agreement until after I sent the money. And my closing payment I wont get another document until after the last payment. The man I spoke to said I had 1 hour to decide or the deal would be gone and they would pursue court and bring on fraud charges.
|
| 11/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX ) is trying to collect a debt that they possibly bought from a company called Tempoe , LLC. I know nothing about this lender, debt, or collection agency/attorney. They claim they can't help and I need to report to credit agencies. They are the ones either scamming or got scammed by assuming false debt/loans. The first and only coorespondance on this matter is directly from XXXX XXXX XXXX. XXXX XXXX XXXX has reported to the credit agencies, and now I have to fix this. XXXX XXXX XXXX claim that they sent over the " loan documents '' via email. These documents were never recieved. XXXX XXXX XXXX claim they have proof they were recieved which is impossible. These guys are scammers or fraudsters or else got scammed by Tempoe , LLC.
|
| 06/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Why Not Lease It XX/XX/21 call XXXX XX/XX/21 call XXXX XXXX XX/XX/21 call XXXX XX/XX/21 Payment made of {$53.00} XX/XX/21 call XXXX XXXX XX/XX/21 XXXX call XX/XX/21 call XXXX informed rep of payment XX/XX/21 call XXXX XXXX XX/XX/21 call XXXX XXXX XX/XX/21 call ( requested Supervisor was hold for almost 30-35 mins, silence and call hung up I was informed by an agent that my number is on an automatic dialer and would continue until a payment was made. Above you will see date where a payment was made and the calls continued.
There repeated calls even after speaking to me is blatant harassment. If it is because of their automated calling system, then it needs a code added that indicates to them that repeated calls in one day every hour - two hours is in violation to federal laws.
|
| 06/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Why Not Lease It XX/XX/21 call XXXX XX/XX/21 call XXXX XXXX XX/XX/21 call XXXX XX/XX/21 Payment made of {$53.00} XX/XX/21 call XXXX XXXX XX/XX/21 XXXX call XX/XX/21 call XXXX informed rep of payment XX/XX/21 call XXXX am XX/XX/21 call XXXX XXXX XX/XX/21 call ( requested Supervisor was hold for almost 30-35 mins, silence and call hung up I was informed by an agent that my number is on an automatic dialer and would continue until a payment was made. Above you will see date where a payment was made and the calls continued.
There repeated calls even after speaking to me is blatant harassment. If it is because of their automated calling system, then it needs a code added that indicates to them that repeated calls in one day every hour - two hours is in violation to federal laws.
|
| 05/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Collection companies trying to collect a debt that was fraudulently opened in my name. I am a victim of identity theft that started in XX/XX/XXXX.
The common thread through all these collection companies is the original creditor : XXXX XXXX. It began with XXXX XXXX XXXX XXXX saying they want to resolve an account with ( Why Not Lease It ) XXXX in XX/XX/XXXX, then XXXX XXXX XXXX XXXX in XX/XX/XXXX/XX/XX/XXXX, then via text XXXX XXXX XXXX XX/XX/XXXX & currently XXXX XXXX XXXX ( XXXX XXXX ). In all cases I have provided them with the police report numbers & informed them that I was a victim of identity theft & to quit contacting me. Today I find out from " XXXX '' that the collections pertains to a company called " XXXX XXXX '' whom I have never done business with.
|
| 09/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Got a letter from XXXX XXXX XXXX , XXXX to collect on an account that I did not know even existed. Apparently a company called XXXX XXXX opened an account in my name sometime 2017 with stolen personal information and credit card.
I sent a letter regarding more information as I suspect this a 100 % a ID/Credit theft but they did not give me any response.
My credit reports all show a rating of excellent with an absolutely perfect history. XXXX XXXX or XXXX XXXX XXXX , XXXX has yet to give me any information or evidence on this money I owe. I have never shopped at XXXX in 2017 or any year for that matter nor did I have ever used a/ANY loan service at " XXXX. '' This is a ID/Credit scam they have gotten from me and I want to get this out of my credit report.
|
| 09/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hi, there.
My name is XXXX XXXX and Ive been having issues disputing a collection with XXXX, XXXX and XXXX XXXX and a company called Tempoe LLC.
Apparently, an account was opened with my name, SSN and information on XX/XX/2018. I found out this year that this was a family member who was using my identity to open accounts and not pay what was owed.
A collection was opened and I successfully disputed with XXXX and XXXX earlier this year with no issues. XXXX, for some reason, denied the dispute and will not let me try again.
Ive tried reaching out to XXXX but I have not been able to get in touch with anyone, or speak to a human over the phone. Ive also tried contacting the original creditor, Tempoe, and they have ignored all my emails.
|
| 03/26/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I was contacted multiple times by this company demanding payments that were incorrect I have also submitted in writing disputing the amount this company and XXXX XXXX XXXX were both sued multiple times for overcharging customers false advertisement and incorrect billing they also have been alerted multiple times to the XXXX XXXX XXXX and have a alert placed On their company and there was a class action lawsuit that I wasnt was not aware about until now. My fianc has passed away and I need everything to repair my credit and this is the only creditor that has yet to resolve this issue I would like to have this removed from my credit report due to incorrect in overcharged fees and harassment Attached is proof of the above information.
|
| 03/26/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I was contacted multiple times by this company demanding payments that were incorrect I have also submitted in writing disputing the amount this company and XXXX XXXX XXXX were both sued multiple times for overcharging customers false advertisement and incorrect billing they also have been alerted multiple times to the XXXX XXXX XXXX and have a alert placed On their company and there was a class action lawsuit that I wasnt was not aware about until now. My fianc has passed away and I need everything to repair my credit and this is the only creditor that has yet to resolve this issue I would like to have this removed from my credit report due to incorrect in overcharged fees and harassment Attached is proof of the above information.
|
| 03/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was a victim of identity theft, and i'm not sure how my credit keeps getting compromised however i need this off of my credit IMMEDIATELY!!!
I have already filed a police report an a FTC report for this Incident and I've also filed a report with the 3 credit bureaus ( XXXX, XXXX, and also XXXX ) for this account.
( XXXX XXXX XXXX ) ( Account # XXXX ) ( opened on XXXX XXXX According to the FCRA 605B of congress you'll have to comply with these Regulations of having this collection account closed and removed, and if not, I will be taking ( XXXX XXXX XXXX ) and also ( The three Credit Bureaus ) to court seeking punitive damages of {$1000.00} per occurrence.
Thank You and I look forward to an instant resolution to this matter.
|
| 07/16/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX added a debit that is pass the statue of limitations. It appears they purchased my debt from tempoe/why not lease it which had the debt on my report for 7 years then it was removed. XXXX XXXX XXXX added it back and when i try to contact them i dont get any response. They are not the original owner of the collection. They also list payments that was never made. They said i made a payment of {$220.00} but i have not aid anything. The original amount was {$1300.00} and that is the current balance so that shows no payments was made. Also they are making false statments about me being late when i didnt even know anything about them having the collection or that i was supposed to make a payment so how can it be late.
|
| 07/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I previously leased merchandise through Why Not Lease It via our local XXXX store. When the store announced they were permanently closing, I went into the store and paid off the remainder of my lease in XXXX. It wasnt until XXXX when I discovered there was a balance owed placed in my credit report. I reached out to the original creditor, Tempo 09 LLC to no resolve. They told me I needed to send them receipts as proof. Why would I still have receipts years later?! This account was then sold to XXXX XXXX XXXX. Ive previously reached out to them as well with no resolve. I have disputed this charge multiple times yet it is still showing as bad debt on XXXX and XXXX ( was removed from XXXX in XXXX ). Ive paid this debt already!
|
| 07/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have disputed this account with XXXX, XXXX and XXXX. I have sent them proof of address for the time that this account was opened fraudulently in my name yet the account keeps coming back verified. The account address, is linked to an address that I have never lived at before. Although I provided them with an expired Driver License ( obtained ) during that time, a voter 's registration card, and bank statement, all with the correct address during the time the account was created, they will not remove the account. The company did send me an some sort of contract showing that the account was opened online, however the address does not match any address I have ever lived at.
XXXX XXXX XXXX Original creditor XXXX XXXX XXXX
|
| 10/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have been disputing this supposed debt for years not to mention that it is a debt that was from identity theft. Also they say the account was opened on XXXX the XXXX 2019 which is clearly a lie because i was in the hospital after having complications for a XXXX which led me to go back to the hospital XX/XX/XXXX so i dont know how i could have possibly commited this fraud!! This company want listen but they will call and harrass you about a debt that is not even your even when you try to explain the beome XXXX and wont listen but will call you XXXX plus times a day to collect money that you do NOT i repeat DO Not OWE THEM!! WHY NOT LEASE XXXX/TEMPO IS THIS COMPANYIES NAME TWO NAMES MEANS SOMETHIG IS VERY SHADY!!!
|
| 03/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently checked my credit report and found a collection on my credit which was deleted by the law office of XXXX XXXX XXXX. I received correspondence from the collection company once and was told the debt is mine and I was responsible for paying it. I have two fraud alerts which were established with the credit bureaus in XXXX and XXXX however the same company continues to shop this debt to a collector attempting to collect on it. This fraudulent transaction was in XXXX and I have included a screen shot where I previously filed a complaint with the CFPB concerning this attempt to collect on this fraudulent debt which is reporting on XXXX XXXX, XXXX, XXXX.
This account has since been sold to XXXX XXXX XXXX
|
| 04/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I noticed a collections on my credit report on ( XX/XX/2021 ) for the amount of {$300.00} The account was opened on ( XX/XX/2021 ) apparently.
The lender was a company I've never heard of, Claiming I took out a loan in a different state.
The lender refused to cooperate with any investigation as to who opened an account with them in my name.
The lender will not tell me what the loan was for, or show proof that I was the one who opened the account.
Apparently whoever opened the account had my SSN and that's good enough for them.
It's an obvious scam.
The Lender assures me that if i just give them a little bit of money they will go away and I won't have to worry about them any more.
|
| 08/17/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I obtained a lease through XXXX for a washer and dryer. When I log in, two different leases show up and I am unable to make my payments online. I call in to make a payment on XX/XX/XXXX for my XX/XX/XXXX due date. I asked them will this payment cancel out the automatic debit that comes out on the XXXX and I was told yes. Here comes the XXXX and I get an email that my payment has failed. I call in to get an explanation and they say it was a system error. I log in JUST NOW to make a payment EARLY and I am unable to. I also see that they charged me a {$20.00} return fee for a failed payment on XX/XX/XXXX! This is incorrect because I paid them EARLY and they attempted to charge me TWICE!
|
| 07/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been contacted, and the company XXXX XXXX XXXX working for XXXX XXXX XXXX XXXX XXXX who somehow acquired the account from Tempoe has sent me 2 letters in the past month on XX/XX/XXXX and on XX/XX/XXXX about a debt that I do not owe. I also have received several phone calls in months past about the debt. I submitted a police report to the company last week XX/XX/XXXX proving to them that the fraudulent bill was a matter of identity theft. I continue to be harassed by companies that the original debtor has employed to try to continue to collect on this debt. I filed a police report on XX/XX/XXXX and reported the same information to all 3 credit bureaus in XX/XX/XXXX.
|
| 07/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The company has responded to the debt verification via letter/email that I received on XX/XX/2021 but the information they sent still does not validate the debt as being mine. The email address shown on the response, XXXX, the phone number listed XXXX XXXX XXXX XXXX and the address, XXXX XXXX XXXX XXXX, XXXX XXXX have never been associated with me or anyone in my family. Ive looked up the address that was shown and it looks to belong to a XXXX XXXX.
Please have the company do a deeper dive on the debt and remove from my credit immediately. If there are further steps to take on my side, please have it expedited as this is not my debt and is dragging my score down.
|
| 06/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Had Identity theft XX/XX/XXXX. Thief applied ( and succeeded ) for many things, this being one of them for {$1400.00}. Received a debt collection bill on XX/XX/XXXX, Disputed the claim. They are still sending me collection notices. Credit report is severely affected due to this, Can not move house or purchase anything on credit.
Collection agency sent me documents stating it proved the debt. Noe of the documents had my signature nor photo id, nor anything that proved the debt was mine.
Fraus alert was issued XX/XX/XXXX. This fraudulent debt occurred XX/XX/XXXX. There was no due diligence, nor phone call made to my direct line upon approval of this 'credit '.
|
| 03/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently checked my credit report and found a collection on my credit which was deleted by the law office of XXXX XXXX XXXX. I received correspondence from the collection company once and was told the debt is mine and I was responsible for paying it.
I have two fraud alerts which were established with the credit bureaus in XXXX and XXXX however the same company continues to shop this debt to a collector attempting to collect on it. This fraudulent transaction was in XXXX and I have included a screen shot where I previously filed a complaint with the CFPB concerning this attempt to collect on this fraudulent debt which is reporting on XXXX XXXX, XXXX, XXXX.
|
| 02/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Current Creditor is listed as : XXXX XXXX XXXX XXXX website provided does not return to this company. XXXX ph : XXXX XXXX XXXX is : XXXX XXXX, I have never heard of or done business with this company.
XXXX XXXX is collecting this debt even though XXXX XXXX XXXX XXXX XXXX is listed as the " Current Creditor '' - see attachements.
XXXX XXXX ph : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX will not provide any information as to the original debt to include invoice numbers, dates of service, location of services, etc. Their website is not secure. XXXX This DEBIT IS NOT VALID, I have never heard of or done business with XXXX XXXX XXXX.
|
| 09/22/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The main complaint is that this company is, has and will continue to use deceptive and misleading practices to collect debt in the State of Georgia, they do not have a certificate of authority to do business in the State of Georgia. Additionally, they are using their deceptive and fraudulent practices to negative impact the credit reports and scores of the consumers it interacts with.
The company is not authorized to do business in Georgia, but fraudulently collected monies from me and continues to report erroneous, inaccurate and negative information to the credit bureaus. Consequently, I have been negatively impacted, denied credit and suffered harm.
|
| 09/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
'XXXX XXXX XXXX XXXX ' company issued my information to a debt collection agency for a debt I do not know about or owe. I have no outstanding business with them and I told them to investigate the transaction to see who was using my information to take things out in my name and they had agreed and told me to ignore the attempt to collect any money from me.
Now they have sold my information to a debt collector who is harassing me for money that I do not owe. XXXX XXXX XXXX XXXX XXXX, was the name and telephone number I was given to call to find out why they are calling as XXXX XXXX XXXX it claims they no longer have any information for me on file.
|
| 08/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
In XXXX, an appliance was lease from XXXX. When the appliance was shipped it was defected ( there was a large dent and groove on the freezer door/ it was caved in ) and a report was made. XXXX offered to have the appliance picked up and replaced. A pickup delivery date was set. XXXX never replaced the appliance and a call was made to the company several times. I learned that XXXX filed bankruptcy and went out of business. In the meantime, my debit card was still being charged and payments were still being made. XXXX went out of business and never replaced the defected item. A new and functioning appliance was made from another company.
|
| 11/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
On XX/XX/2018 my lawyer sent a complain to XXXX regarding a collection item listed on my credit report from XXXX XXXX. In the letter, they explained why the item is not valid and that it should be deleted and investigate. XXXX then wrote me a letter stating that they have removed the item from my credit report but after a few days, I received an email notification stating that the item has been listed on my credit report and this came without any type of explanation from XXXX stating why the item was re-listed on my credit report or a summary of the outcome of the investigation that they conducted with the original creditor XXXX XXXX.
|
| 09/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was looking at credit report. Tempoe llc was on there assuming for something I bought at XXXX XXXX XXXX ago. I am not sure what the original price was. But every time they have called me over the years, I tell them that I paid what I purchased for and then some.
Then I notice the debt was sold to XXXX XXXX XXXX, I paid over the amount that I was sold the item for..
Then as I am researching I notice Tempoe llc was sued and found guilty of falsely identifying what the actual sales were.
I would like this off my credit report if possible. I do not know what the debt was sold, but I do know I over paid for the item.
Thank you
|
| 04/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have an account from a debt collector named XXXX XXXX XXXX that is reporting a collection for {$1600.00} on my personal credit reports with XXXX, XXXX and XXXX. This debt is not valid and per a dispute with the original creditor, the account was supposed to be recalled from the collection agency as of XX/XX/2019. As of XX/XX/2019 this information is still listed on my credit reports and came back as verified when I opened an investigation with the credit reporting bureaus. See attached for documentation from the original creditor that this debt is settled and should have been removed from my credit reports.
|
| 08/19/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XXXX of 2019, I went to the XXXXXXXX XXXX XXXX in XXXX, AL and rent/purchased a washer. It was a temporary thing, I thought, I was going to buy a used one.
What they DID NOT TELL ME was that I had to pay for it for 6 months.
Meanwhile, I've lost my job from covid, and at XXXX, am probably going to have to live on SSI. I tried to explain this to them 3 months ago and asked them to come get the washer. ; They let me keep from paying the debt for a short period, but never came and got the washer.
They just deducted {$170.00} from my account. This was every penny I had left and now have no money for food.
|
| 06/21/2023 |
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 |
Servicemember |
|
This item was purchased from XXXX XXXX in summer of XXXX and the company that XXXX contracted through was Tempoe. Several months after I was unable to keep up with the payments when I had an extended illness, having XXXX twice in 6 months that had a long recovery each time. The company eventually stopped contacting me, they werent reporting this on my credit reports at any agency until a few months ago. Suddenly, after 5 years they are intentionally trying to damage my credit by reporting this on my reports and calling me regarding this old account. This is way outside the collection window.
|
| 05/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Tempoe LLC is a company that filed bankruptcy. In their Bankruptcy, debtors were included. The company also received a Bailout through their Insurance company. Tempoe LLC has already received compensation for their debtors. Tempoe LLC knowingly, then sold this non collectible debt to XXXX XXXX XXXX XXXX which has been placed this on my credit report.
XXXX also shared/sold my information without my consent to Tempoe LLC . I Do Not have an account or valid contract with Tempoe LLC or XXXX XXXX XXXX. No money is owed to either company. Please have them remove this from my credit report.
|
| 10/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX is harassing me for a debt I dont owe. The credit bureau know my address and the address that XXXX XXXX XXXX and XXXX has is not mines. These people and the credit bureau are preforming illegal acts against me. I want all this information removed from my credit report immediately. They say I owe XXXX. Ive been ill for the past 3 years. I just been active for 8 months now. Theres no way I could have this account. I pay my bills. These people are fraud. I wrote the company to stop harrasing me. They are refusing and keep reporting false information on my credit report.
|
| 10/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Thank you CFPB. I disputed this debt on my credit reports by using the dispute options with all XXXX credit bureaus. My dispute explained that the bill was paid on time with the original creditor and it was never in danger of going to collections. I had no idea it was in collections because I paid it. After I disputed the debt, the collection company still kept reporting the debt on my credit reports. This negatively impacted all of my credit scores by reducing my credit scores. This hindered me from using my credit while this collection account appeared on my credit reports.
|
| 05/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have called both Tempoe LLC ( Original Creditor ) and XXXX XXXX XXXX XXXX XXXX XXXX ) regarding a collection account to attempt to settle. When I contacted them, the only information they had was my name and an old address. They could not validate the debt. I believe they are fraudulently trying to collect a debt and damaging my credit. They keep telling me to call each other and I have spent hours reaching out to get this taking care of which they have no information on. I have a call log if requested and have disputed this multiple times through all 3 collection agencies.
|
| 05/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX recently reported a {$1400.00} collection account on my credit report. They are stating that the original creditor is a company called XXXX XXXX. I have never heard of this company, much less had an account with them. Needless to say, I have made XXXX XXXX XXXX aware of this, but they refuse to take it off of my report. When I last spoke with their reps, they said I should dispute the account with XXXX, XXXX, and XXXX XXXX. They said that if the account was not mine, it would be deleted. Well, I did that ; and the account is still reporting on my credit file.
|
| 05/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Leased a new bed and a scratch n dent stove from XXXX " Lease to own/My Not Lease It '' I have paid well over twice the purchase price of the items.
They don't tell you that after 3 months that they automatically take your purchases out of lease to own and basically you start rented the items. No one tells you about this. So, you believe that one day that the payments will end and you will own the items. That's what they told me in the store! That this is a lease to own. Make the payments and at the end of a period of time you own the merchandise.
This is total FRAUD!
|
| 01/09/2018 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XXXX/XXXX/XXXX I was trying to buy a house and my mortgage company asked me about this collection company in the amount of XXXX dollars and I did know who they were so I called and asked that they send me verification if the debt and I called them back and told them that their was no where on this information was my signature and that I did n't owe them anything and for months I have been trying and disputing the information to the credit bureau, one company equifax removed it but the other two refuse to remove it so now I ca n't buy a home because of this company.
|
| 03/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Tempoe LLC is still attempting to collect a false debt with the following aliases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tempoe LLC has sent a letter to tell me that they sympathize with ID theft and would remove the false debt, yet they send another letter to offer a SETTLEMENT through the XXXX XXXX XXXX for that same debt that was not incurred by me and already proven to be a false. I am tired of the harassment and will be reporting them to a credit bureaus and federal entities to cease all communication and use of my personal information.
|
| 08/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The Complaint is against XXXX XXXX XXXX they are attempting to collect XXXX for me that I do not legally owe them because my information was obtain without my knowledge and an account was open using my information without my knowledge and without my consent.This account has been placed on my credit and is hending me from obtaining variety of things do to the negative information they are reporting to the credit bureau.I have reached out to them several times with disputes and also phone calls and they have been refusing to fix the issue
|
| 03/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have disputed two accounts on my credit report for inaccurate information which is killing my credit score.
XXXX XXXX has 2 ( one for {$540.00} and the other for {$1200.00} ) which I have the bank statements to prove they were paid on time every time. XXXX XXXX XXXX now owns them and when i tried to prove to them and XXXX and XXXX with the proof, they deny it and leave it on my report saying I never paid. I have tried since XX/XX/ 2018 to get them removed but nothing. I feel I need an attorney to go after all of them for the issue.
|
| 07/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I rented to own some merchandise from XXXX stores but ended up surrendering the products back to the store so that wiped out my balance. Now a collection company is now coming after me and Im not obligated to pay them they received their merchamdise back at the store and moat likely rerented it to someone else.
The original creditor was 09 TEMPOE LLC. It was aold to XXXX XXXX XXXX. I have disputed this with the credit bureaus and only one deleted it the other two say its accurate but it is not. I want it deleted off my report.
|
| 02/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
An account was open with this company called Tempoe that I do not have any knowledge of or know of using my personal information and I have been trying to reach out to this company over the past 2 years through email as well as phone calls to have this account removed from my credit profile.This account has really made my life very difficult because it is created a hardship for me not being able to purchase a home for my family. The company has not try to respond to me concerning the matter so that this issue can be resolve.
|
| 10/24/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have ordered a bedroom set from XXXX XXXX in 2016. The one I wanted only came in king I was told I had to wait for queen to be delivered.i was told it would come in 3 weeks. I signed the papers and made my first 2 payments. 3 weeks rolled around no bed. I was told it was on back order. 6 weeks later the furniture store closed down and I never got my bedroom set I called them and told them several times they only care about collecting thier money not that I was scammed. This can be verified the location was XXXX XXXX mall.
|
| 08/23/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX sent my information to a Debt Collector claiming that I defaulted on a lease for {$1500.00}. On X/XX/17 I called both the debt collector and XXXX XXXX and got no response and no return phone call. I have never leased anything with XXXX. I have never even heard of this company until today. After doing some research I found that they do leasing for XXXX and XXXX, neither of which have I ever leased anything through. I decided I should file a complaint as it seems that I 'm not the first person to have this happen.
|
| 06/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/XXXX XXXX XXXX XXXX continue to call and threaten me and my family about account that was opened on XX/XX/XXXX. The company states that I own {$1000.00} I have no idea what this for and I didn't have an account with them are the company that they are representing. This has been placed on my credit report and I have disputed it multiple times asking for the original signed copy of our contract. But XXXXXXXX XXXX XXXX refuse to provide and it continues to get verify on my credit report as accurate information.
|
| 01/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I HAVE CONTACTED XXXX AT XXXX XXXX XXXX XXXX NUMEROUS TIMES REGARDING THESE 2 ACCOUNTS THAT ARE SHOWING UP AS COLLECTIONS ON MY CREDIT REPORTS. THIS COMPANY IS STATING THAT AN ELECTRONIC SIGNATURE IS MINE BUT HAS NOT PROVEN THAT THIS WAS INDEED ME THAT MADE THESE PURCHASES. THIS COMPANY HAS NOT SHOWN OWNERSHIP TO NEITHER PLATFORM THAT I HAVE MADE COMPLAINTS TO INCLUDING CFPB, XXXX AND MI ATTORNEY GENERAL BY BILL OF SALE OR CHAIN OF ASSIGNMENT THAT PERMITS THEM TO REPORT THESE FRADULENT ACCOUNTS ON MY CREDIT REPORT.
|
| 05/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The company XXXX XXXX has reported me to the collections agencies claiming I owe XXXX. I have no idea who this company is or who they are referring to that I owe money. I have never received anything in the mail about this company or that I owe money. Im not even sure which XXXX XXXX company this is for as there are many of them in different areas. It shows on my credit report that its rental/leasing, no clarification as to what kind. I have no information to get ahold of them so I have not contacted them.
|
| 12/22/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I checked my credit on XXXX XXXX XXXX. Noticed that an account I do not know about was put into collection. That same day I made contact with the original creditor in which gave me the contact information who they had sold off the collection too. I was never notified or called once by XXXX XXXX XXXX XXXX new debt collector ) and still have not received anything until this day. I 've made several attempts to contact the company which always ends in failure. I do not know what else to do at this point
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Every couple of years this company will appear and then disappear off my credit report. Its fraud. I spoke to them on the phone and they said I have a debt with furniture which I never bought and in a state that Ive never been too. Someone has all my information from many years ago from a security breach which has been reported. This has been going on for many years and it just appeared again. Im contacting every government agency about the fraud, identity theft scam taking place here.
|
| 06/14/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I leased a treadmill from XXXX in XXXX , MO - the terms were explained to me as being bi-weekly payments with no interest until the loan was paid off in full. I completed all payments on-time, after the final payment according to the plan the register at XXXX provided. I was then told by XXXX ( the company XXXX uses ) th at I had an additional 2 years of payments needed. They had converted the installment plan to a different lease without giving me any options.
|
| 07/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX calling me in regards to an old debt. I had already requested verification of debt months ago and they refused. A gentleman by the name " XXXX XXXX '' states he is the in house lawyer, threaten me that he was going to come to my place of business, using foul language when I asked him for proof that he was indeed a lawyer. Calling my family members after I have already made contact with them and providing them with my personal matter.
|
| 05/27/2020 |
No |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XX/XX/2020, XXXX Leasing attempted to contact me from a blocked number, as they try numerous times each day. The company also sends me unwanted text and will not cease when asked. The representative on the phone conversation on XX/XX/XXXX did not inform me that it was an attempt to collect a debt and that the phone call was being monitored and recorded until approximately 1-2 minutes into our conversation. Thus violating my right and recording me without consent.
|
| 03/15/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Almost every day, I receive calls from Why Not Lease It on average of XXXX calls a day, every day. I currently have the number blocked so it stops ringing my number. While I do owe a XXXX XXXX XXXX on this loan, this has gone far beyond harassing. I have counted this many calls XXXX in a day 's time for weeks now. I have the phone log records from XXXX to show this and back my claim which are included for the days going back to JUST the XXXX .
|
| 11/26/2019 |
Yes |
- Debt collection
- Other 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 |
|
|
Today, XX/XX/XXXX is my first time hearing of this debt. The guy stated he is a compliance officer and he was sending my information to have me arrested for grand theft if I didnt pay for a debt. He wouldnt tell me what the debt was for. And continues to hang up in my face. Then After the third call he forward me to processing saying that he already sent my file to have me picked up in 24 hours. This was so humiliating as I didnt even know what this was for.
|
| 02/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I RECEIVED TWO LETTERS in the mail from XXXX XXXX XXXX in regards to debt they claim I owe XXXX XXXX. Account numbers are XXXX AND XXXX. I contacted the collector and was promised that after each debt was settled, they would both be deleted from my report.
I offered to pay {$650.00} XXXX and {$700.00} for XXXX. They verbally accepted the offer via phone and I am waiting for them to remit a written agreement stating the debt will be deleted via postal mail.
|
| 04/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
On XX/XX/2017 I went thru the Why Not Lease IT Program at XXXX XXXX and purchased a lawnmower for XXXX Tax included. The XXXX XXXX said XXXX for 10 months which amounted to XXXX the pay balance XXXX I finished the XXXX then forgot about it and seen on my bank statement they took out XXXX more payments which totaled XXXX and they still tried to make me pay more.
I have sent them a letter stating the same thing and showing what I paid and what I over paid.
|
| 02/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX continues to call and text my phone about a debt that I don't recognize. They say they're calling on behalf of Why Not Lease It, whom I've never done business with to my knowledge. I have contacted the company, and they are unable to provide me proof of any transaction made.
XXXX XXXX XXXX told me that they don't have to verify the debt. I've asked them to stop calling me more than twice and for them to communicate with me via partial mail.
|
| 02/21/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX continues to call and text my phone about a debt that I don't recognize. They say they're calling on behalf of Why Not Lease It, whom I've never done business with to my knowledge. I have contacted the company, and they are unable to provide me proof of any transaction made.
XXXX XXXX XXXX told me that they don't have to verify the debt. I've asked them to stop calling me more than twice and for them to communicate with me via partial mail.
|
| 01/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On or about XX/XX/2016 I made a purchase through whynotleaseit at XXXX for a cash price of {$320.00}. I made all the payments however my name has been sent to a collection agency XXXX XXXX XXXX for {$660.00} original creditor XXXX , XXXX. This account is showing on my credit report and I have received calls from the debt collection company. I explained to the debt collector that the bill was paid however the company states and have reported this debt.
|
| 09/26/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
this is my case # for a previous claim that the cfpb didnt handled the right way and now im forced to take legal action against the cfpb and XXXX XXXX XXXX for violating my fcra 15 usc 1681 and identity theft because they still havent show my how they verified the account. my information was bought by this debt collector which has no right and without my written consent to collect a debt and have my information and threating me.
XXXX
|
| 05/10/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
This is coming from a phone number XXXX. She stated in a phone call that i had committed fraud and refuse to give me a copy of the debt. I told her i want to speak to a supervisor and she put my on hold and it was her again but saying a new name. She said i was also being investigated for other matters and that i told her she is not aloud to call my employer or call my number anymore and she said she can call anytime she wanted to.
|
| 07/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Contacted XXXX XXXX concerning said debt.
XXXX XXXX attempting to collect a debt now owed. Ive asked them for a wet signature but they cant provide a signed legal document. This is my last attempt before I seek legal counsel. XXXX XXXX is stating they didnt receive any documents from original creditor TEMPOE also Known as Why not lease it.
Some with complaint Im requesting a signed documentation from all parties involved.
|
| 07/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Contacted XXXX XXXX concerning said debt.
XXXX XXXX attempting to collect a debt now owed. Ive asked them for a wet signature but they cant provide a signed legal document. This is my last attempt before I seek legal counsel. XXXX XXXX is stating they didnt receive any documents from original creditor TEMPOE also Known as Why not lease it.
Some with complaint Im requesting a signed documentation from all parties involved.
|
| 03/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This company is trying to collect a debt for {$1400.00} clearly the lease amount as shown in the screen shots was for XXXX and XXXX dollars which does not add up to the amount there were payments that add up to the amount of the lease agreements they have been reporting a fraudulent amount owed. Im asking for this company to delete all accounts thats being reported on experience and XXXX forever honor the paid amounts shown
|
| 10/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently disputed an item with XXXX XXXX XXXX and it was determined that this was not my item and that i was not responsible for the charges that were incurred so with that being said I received a corrected credit report with the item deleted from all three credit bureaus. I recently applied for additional credit and this item has magically reappeared and also after removing the item they sold this account to a lawyer.
|
| 11/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter dated XX/XX/XXXX from XXXX XXXX stating that they were hired to collect an alleged debt of {$540.00} that originated with XXXX XXXX. That letter is attached. I received a follow up letter dated XXXX, XXXX. This letter is also attached. I have never opened an account with XXXX XXXX and suspect fraud here. More importantly, there is no such personal loan account on my credit report ( also attached ).
|
| 09/07/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I got a rent to own with a dryer and the company could not deliver it to my house. It has been a month and half and I still have n't received a refund for the cancellation of the lease of the product. The store closdd but the leasing company kept asking for more requirements and more and all we 're met. They have the return info to the store and keep giving me the run around for the refund and final cancellation.
|
| 09/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The last time I spoke with this company they said they could not find me in their system because I wanted to dispute this problem. I can not file a police report because they police station can not find the company. They said that the company was bought out and is now owned by someone else. I reported the complaint to XXXX and the company said I need a police report in order for them to do an investigation.
|
| 04/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Debt was due to Identity theft. Fraus alert was activated. Original 'creditor ' was XXXX XXXX XXXX XXXX were notified of dispute and asked to obtain verification of debt as I was not contacted when credit was 'approved ' by them. Fraud alert required them to call me personally. They did not. Subsequently the collection was taken off my credit report.
Now, XXXX XXXX are trying to collect the 'non ' debt.
|
| 01/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This collection is being to the bureaus that I do not have knowledge or aware of. This is clearly fraudulent. Listed below are the details of this collection account.
XXXX XXXX XXXX XXXX XXXX # : XXXX Opened : XX/XX/2020 Balance : {$1400.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
|
| 12/20/2019 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
|
|
Web |
Older American, Servicemember |
|
Transaction ID # XXXX, XXXX, on my XXXX Debit Card with 2 other transactions from XXXX and XXXX all taking money from my Account beyond what was agreed upon in the lease of a stove, in fact Why Not Lease It has overcharged me over {$1100.00} beyond the {$670.00} payoff price agreed upon in the lease contract. They refuse to give me a refund or cancel the auto- payment transaction on my debit card.
|
| 11/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
They are misleading and very intrusive with there buisness I have not paid the first payment nor will I make any payment they are accessing all my private info on my phone and accessing info and charging people way more then what the items are worth and making transactions that are not agreed upon cause they are misleading and disguising there fraudulent scheme through there agreement policy.
|
| 09/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have about 20 hard inquiries on my credit report from all 3 of the major bureaus. I never authorized these and I also have a collection from XXXX and Tempoe and Tempoe turned over the debt to another company called XXXX XXXX. All of this is unauthorized and I dont owe any debt and I didnt apply for a credit or anything else. I need all of this removed off my credit report immediately.
|
| 07/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
They have not sent me anything in the mail or any other correspondents to verify a debt which violates my federal rights according to Fair Credit Reporting Act and FDCPA. I want to exercise my right to lawful question the validity of a debt from a company that is not even allowed to collect anything in the State of TN. They are not licensed & bonded as required by State of Tn.
|
| 11/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have contacted ; XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Mississippi, they are reporting a debt that I have not agreed to enter by contract or written consent, and they are reporting this information to the bureaus, it is hurting me greatly. There is no privity and no signed contract or agreement between me ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I just found that XXXX XXXX XXXX has posted a collection item under my account for {$2500.00}. I have never had any transaction with this company nor any other Company that may be linked to this company since I do not owe any company that amount of money. I am demanding for an immediate investigation and removal of this collection item from my account as soon as possible.
|
| 11/22/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
|
| 07/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX ( last reported XX/XX/2023 ) - Unpaid TEMPOE LLC collections {$510.00}, {$380.00} & {$620.00}. I have no knowledge of these debts and have attempted to dispute several time without a response from the collector or credit bureaus. I believe that the accounts are over XXXX XXXX XXXX as they have suddenly appeared on my credit report.
|
| 01/11/2018 |
No |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The original debt was a result of an unlicensed loan in Kansas back in 2015. The company allegedly sold the debt to XXXX XXXX XXXX , XXXX. They I turn are saying it doesnt matter if the ordinal loan was illegal. They are listing it on my credit report until I pay them. They refuse to provide me with proper debt validation an think federal law doesnt apply to them.
|
| 11/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The following companies have made reports on my credit and shared personal data that was not consented to report, share or make public on my credit report. I have not given written nor verbal consent to any company to share, collect, sell or use my personal information on a credit reporting. This is a violation of 15 U.S. Code $ 1681c-2 and 15 U. S Code 1681b
|
| 08/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I applied for XXXX lease and expected to pay off product In time, I was not advised that it would not be paid neither in writing or voice. When it was time for final payment I was told to call XXXX and they were rude and told me to call the police if I thought they were being illegal. I told them I was going with consumer advocate and they changed their tune.
|
| 01/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
I emailed XXXX on XX/XX/2019 to advise that we had conflicting information - no response.
I called on XX/XX/2019 - verified that we had conflicting information, and advised the representative that my lease had been paid in full and to discontinue taking funds from my account.
My payments have not been accurately reflected on their records.
|
| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Billing dispute for services
|
|
Web |
|
|
my prospective employer will not move on with my hiring process bc of a debt on my background check from XXXX XXXX for {$840.00}. i have never gotten any products for this company and had no knowledge of them until today. I also found out that as of XX/XX/2023 they are in a XXXX millon dollar lawsuit over products they sold to consumers.
|
| 01/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I WAS CONTACTED FROM THIS DEBT COLLECTOR ACCUSING ME OF HAVING THIS DEBT AND THREATENED ME TO FLAG MY ACCOUNT WHICH THEY DID 2 DAYS LATTER THAT DAMAGED MY CONSUMER REPORT AND MY IDENTITY. I NEVER SIGNED ANY CONTRACT NOR ALLOED THEM TO HAVE MY INFORMATIONS WHAT SO EVER. COMAPNY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX
|
| 05/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX , XXXX contacted me by phone on XX/XX/2018 regarding and outstanding lease balance in the amount of {$2200.00}. My wife and I have NEVER leased anything in our lives.
They gave an email address that is on the bill that is not ours.
They would not give any information on when the account was opened or for what services.
|
| 04/10/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
purchased merchandice at XXXX for XXXX.dollars through whynotleaseit at XXXX payments XXXX.dollars monthly have paid XXXX. dollars tried to stop lease whynotleaseit tells me i must give them XXXX.more dollars in one payment to get out of the lease or pay XXXX.dollars forever i believe this is extortion scam lets put them in jail
|
| 12/31/2021 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX ; LOCATED AT : XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$1900.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
|
| 04/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
A couple years ago I bought a tv from XXXX. The tv was $ XXXX {$400.00} dollars. I paid the tv off, however the company didnt report that I paid the tv off and decided to charge me an insanely amount of interest and late fees. Now the balance is well over {$700.00} when I paid the tv off and the tv was it even worth that much!!
|
| 11/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Tempo lease services open up a account to someone that gave them my social security number and they purchase a item in my name with out my authorization also they was using my bank account information to make payments ... Im so upset because I never applied for credit with tempo and they are making me responsible for this debt
|
| 11/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I NEVER GOT A LETTER ABOUT MY LOAN HOW MUCH I NEED TO PAY AND I GET A EMAIL Our Reference # : XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX Current Creditors Account # : XXXX Original Creditor : XXXX , XXXX Original Acct # XXXX Current Account Balance : {$760.00} AND I NEVER A LETTER BEFORE I DID THE LAST COMPLINT
|
| 08/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I was unaware of a debt owed to XXXX from 7-8 years ago. The company was harassing and saying that they would show up at my home and work. Also, they lied saying they had me recorded accepting the debt as mine. I still don't know what it's for and paid them anyway to make them go away. Absolutely ridiculous.
|
| 03/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX XXXX sent all of my personal information to a person in another state unknown to me. My email, address, phone number and email address. Violation of my privacy. I have never received any information from them regarding those debt and didn't XXXX know of it until it showed up on my credit report
|
| 07/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
XXXX XXXX fraudulently placed this account on my report. Sold it tonXXXX XXXX XXXX. Thus account is NOT mine a police report has been filed and is attached. If not removed from all 3 credit bureaus legal action will be taken. It should be noted that both companies have a history of fraudulent activity.
|
| 05/18/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I received a letter in regard to a debt I do not owe. Most likely as a result of identity theft. The amount of {$880.00} is not mine. I received no letters or any receipts of any bills that pertains to this account. The collection just showed up in my mail 3 years after it was opened.
|
| 05/14/2022 |
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 was a victim of the Great Flood in Louisiana XXXX XXXX. The furniture I purchased was submerged under water and was considered a total loss by FEMA. Since then the balance of the purchase has tremendously affected my credit. The lease did not state anything about natural disasters.
|
| 01/18/2018 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX is reporting a fraudulent account on my credit report for {$480.00} ... and I have not had no credit account in my name ... I file a police report stating I have never had this account and its still reporting account as open ... this account shall be removed from my credit files
|
| 06/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Asked both of these companies for validation of debt. Original creditor TEMPOE aka Why not lease it and debt collector XXXX XXXX XXXX has only provided me with a letter stating that the debt is valid. Under the FCRA that is not proper documentation to be submitted to credit bureaus.
|
| 05/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Identity stolen in 2016. Police report filed. Contacted all companies to let them know I wasn't the one who made purchases. Now 3 years later I've turned over to a debt collection company. Never received any more correspondence from company. This was taken care of 3 years ago.
|
| 01/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I got an alert today about a collection owed to XXXX XXXX XXXX XXXX for XXXX $ it was previously owed by XXXX XXXXc a leasing agency located in XXXX. How is this posible when I live in XXXX XXXX my whole life? Ive never been to Ohio in my life. This has to be fraud.
|
| 08/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2021, XXXX sent a certified debt validation letter to security credit services requesting a list of information proving I owe this company debt. The company did respond on XX/XX/2021 but failed to properly respond to the debt validation letter as required.
|
| 02/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company has furnished my XXXX credit report with false information regarding an account with am owed debt attached. I never went into contract or agreed to any contract with company for any reason. They illegally obtained my information to falsely report.
|
| 03/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
On XX/XX/2020 I received an email at XXXX and a text message at the same time regarding my account with lease it or keep it. I do not appreciate being called every hour while I am at work and now I am getting contacted at an unacceptable time of the night.
|
| 11/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I called company about paying off refrigerator in XX/XX/2019. Was not made aware that I have overpaid on this lease. My payments total XXXX, but my lease is for a little over XXXX. I went to the XXXX outlet store in XXXX XXXX, pa which is now closed down
|
| 08/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
Today I got charged on my debt card i did not authorize by TEMPOE i told them repeatedly to only take the charge as of XX/XX/2020 i told them repeatedly only charge me the amount BUT not to save in system until i get my replacement card in the mail.
|
| 08/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX {$520.00} on credit report since XXXX.
I disputed this in XX/XX/XXXX requesting accuracy and the name of the Creditor but all they did was say it was an accurate debt.
I am not sure who this creditor is or why theyre on my credit report.
|
| 09/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Contacted me and said I owed money, I have never used the company why not lease. Also i asked for validity and they just sent me a letter they made no contract or anything. I told them it wasn't mine. They refuse to do anything.
|
| 01/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid this debt years ago. XXXX XXXX has spent the last year trying to collect it again. Ive sent them the debt release as proof multiple times and they refuse it. They have now marked me as no contact and filed a lawsuit.
|
| 06/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX has 2 accounts on my credit report. i have no idea what the debt is or who XXXX XXXX who they are collecting for is. I have never had an account with XXXX XXXX or heard of them for that matter.
|
| 09/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Complaint previously filed 2 times with CFPB and Company continues to put collection status on my credit report for fraudulent debt claim. Latest XX/XX/2019 per the XXXX XXXX credit report dated XX/XX/2019.
|
| 09/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Complaint previously filed 2 times with CFPB and Company continues to put collection status on my credit report for fraudulent debt claim. Latest XX/XX/2019 per the XXXX XXXX credit report dated XX/XX/2019.
|
| 06/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company marked my other complaint as duplicate. This is not a duplicate Im requesting validation debt. I have contacted tempo and they cant verify or validate debt. Attached is the response from Tempoe
|
| 06/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
As stated previously in a feedback this lender cant validate I own the debt. They are using a third party to report a fraudulent debt I demand to see valid proof of this debt or stop reporting immediately.
|
| 05/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX has a collection on my credit and i have no idea who this is or where this came from but this DEFINITELY is not mine. Nor did i authorize my name to be used by anyone.
|
| 09/28/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
they sending out the wrong information and this is an identity thef i didnt sign any contract with them no written consent what so ever so i am left with no choice to persue legal action against them
|
| 09/18/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American |
|
On XXXX XXXX My refrigerator stopped working The factory warranty is still in effect but I need the receipt to get it repaired.
I have paid the appliance off already and never received the receipt
|
| 12/30/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I need these items removed from my credit report. On XX/XX/2021 I sent a notarized identity theft affidavit, and police report to the creditor, and items have not been removed from my credit report
|
| 05/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This company claims this debt belongs to me and it does not. It showed up on my credit report shortly after the data breaches. THIS IS NOT MY DEBT. i have NEVER DONE business with these people
|
| 10/10/2023 |
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 |
|
|
The debt attempting to be collected was not mine. Somebody used my information. I was just informed of the debt today, XXXX XXXX, the debt is from XXXX. I have no idea what was purchased
|
| 02/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
My information was stolen back in 2011 and various accounts were opened with this information including this account that I had no knowledge of or how to go about disputing it until now.
|
| 09/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I've previously contact this company as this information is incorrectly reported on my credit filed and don't owe this company because I didn't sign an obligation with them for anything.
|
| 12/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a debt collection on my credit report from Tempo for a balance of {$670.00} I send dispute letters to have it removed, but still no results at all
|
| 04/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2018 for XXXX from XXXX XXXX XXXX from original creditor Temple LLC I called let them know it wasn't my debt and it's still reporting on my credit.
|
| 10/12/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I disputed the debt on my XXXX report which was in the amount of {$1800.00} that was completed XXXX XXXX, XXXX and is now deleted after investigation.
|
| 06/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company has repeatedly update info to Credit bureaus with ongoing CFPB complaint with out answeing the complaint and without validation of debt.
|
| 02/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Received a bill from a collection agency for something I'd never seen or used.
A credit card denial from a XXXX Bank that I never applied for.
|
| 01/30/2018 |
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 asked them to show me prove and they hung up on the phone. it is on my credit report and it is damaging it. they just sent me a letter.
|
| 02/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I paid this company in full, still trying to collect more money ; which is not owed.The company is XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX.
|
| 07/19/2023 |
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 |
|
|
This account is five year old and it's still showing in my credit report in the collection section and it keeps increasing
|
| 05/03/2022 |
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
|
|
Web |
|
|
This account is not belong to me
|
| 02/12/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/03/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 12/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/19/2023 |
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 |
|
|
|
| 12/07/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Phone |
|
|
|
| 08/22/2023 |
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 |
|
|
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/13/2023 |
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 |
|
|
|
| 05/17/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 03/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/12/2023 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/07/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 02/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Servicemember |
|
|
| 01/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
|
| 10/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/28/2022 |
No |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Postal mail |
|
|
|
| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American, Servicemember |
|
|
| 08/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 08/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 06/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 05/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/19/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
|
| 07/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Referral |
|
|
|
| 06/19/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 06/03/2020 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 04/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/22/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Phone |
Servicemember |
|
|
| 09/16/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/20/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Phone |
Servicemember |
|
|
| 08/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Postal mail |
|
|
|
| 07/27/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 07/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
Servicemember |
|
|
| 06/27/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Phone |
Servicemember |
|
|
| 06/18/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 02/01/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 01/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 12/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
|
| 11/22/2018 |
Yes |
- Debt collection
- Other 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 |
Servicemember |
|
|
| 11/06/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/05/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 10/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 10/22/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
|
| 10/17/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/01/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
|
| 06/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 06/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 06/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Fax |
|
|
|
| 06/12/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/28/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/19/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Phone |
|
|
|
| 04/11/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Postal mail |
|
|
|
| 04/04/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 03/22/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Fax |
|
|
|
| 01/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/18/2018 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/08/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/07/2017 |
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 |
|
|
|
| 11/09/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 10/04/2017 |
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 |
|
|
|
| 06/20/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Referral |
|
|
|
| 06/07/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Phone |
|
|
|
| 04/14/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Fax |
Older American |
|
|
| 03/27/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Phone |
Servicemember |
|
|