| 09/15/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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CONCORDE AUTO MGMT SER CONCORDE AUTO ACCEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to violation : I have Witnessed a charge off/ closed account on my credit report, regarding CONCORDE AUTO MGMT SER on XXXX XXXX XXXX. are in trespass of XXXX XXXX XXXX and his private information. Under the Privacy Act of 1974 there was a violation on CONCORDE AUTO MGMT SER charge off which discloses reported Transactions History to XXXX, and XXXX, which I did not consent too. It is Illegal to report Transaction History According to the Privacy Act of 1974 and Security Fraud for selling my contract to another lender. Which is a violation with the Consumer Financial Protection Bureau. I am requesting CONCORDE AUTO MGMT SER- to remove any and all Transaction History According to the Privacy Act of 1974, and inaccuracy on Account XXXX XXXX with XXXX, and XXXX or I will be forced to report you to Consumer Financial Protection Bureau. `` send me 1099 for this item for my tax purchase because my accounting is Requesting it because they saw it on my credit report as a charge-off CLOSED account. I would greatly appreciate all your help. Please provide Auction receipt of vehicle that was repossessed, requesting payment insurance, Gap insurance gave me notice of a refund pay off of the debt with CONCORDE AUTO MGMT SER which is paid off through auction/ debt buyer. I demand deletion of this repossession history off my credit report which I did not give you consent to report or share which is violation of privacy act of 1974.
A collection/charge off is considered a Certificate of indebtedness, CONCORDE AUTO MGMT SER Securitize the account/ contract .certificate of indebtedness that specifies obligations of the borrower to the holder of the bond. The contract was securitize by the seller/creditor, which was purchased by the debt collector agency which voids out the contract with Original Creditor CONCORDE AUTO MGMT SER for the breach of contract of the Electronic Funds Transfer Act of 1978 by not getting consent from party within contract XXXX, XXXX XXXX Authorized user doing business as XXXX XXXX XXXX and give notice of Electronic Transfer of the bond/contract principal debt to another Organization with out my consent and disclosure of electronic transfers activities between the two organizations seller Original creditor ( seller ) CONCORDE AUTO MGMT SER and debt buyer. An error under Electronic Fund Transfer Act ( EFTA ) of 1978 and Regulation E includes any of the following : An unauthorized ( EFT ) Electronic Fund Transfer. An incorrect EFT to or from the consumer 's account. The omission from a periodic statement of an Electronic Fund Transfer ( EFT ) to or from the consumer 's account that should have been included. violation of Electronic Transfer Act of 1978, violation of Securities Exchange Act of 1934. I request this account be Deleted immediately or I will be force to make a claim with Consumer Financial Bureau.
15 USC 1681 ( i ) ( a ) ( 1A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, 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. Remove XXXX XXXX due to, violation of Electronic Transfer Act of 1978, violation of Securities Exchange Act of 1934 and inaccuracy of information on my credit report on XXXX reporting account type as Collection and XXXX reported as open Account on credit report.
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. I am requesting CONCORDE AUTO MGMT SER to Delete any and all Transaction History due to Privacy Act of 1974 and inaccuracy information on XXXX XXXX XXXX Credit report According to the Privacy Act of 1974 on Account XXXX XXXX with XXXX, and XXXX I will be forced to report you to Consumer Financial Protection Bureau and make a complaint to Better Business Bureau XXXX " 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. The financial institution and the Consumer reporting agencies XXXX XXXX, and XXXX do not have my consent to furnish Private Transactions of history of any information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked.
15 USC 6809 ( 4 ) ( a ) Non Public Personal information- A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of USC title 15. ) 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out any and all authorization I XXXX XXXX XXXX the consumer may have given you written and unwritten verbal and non verbal per 15 USC 6802. I am requesting CONCORDE AUTO MGMT SER to delete any and all Transaction History due to the privacy act of 1934 on XXXX XXXX XXXX with XXXX and XXXX or I will be forced to report you to Consumer Financial Protection Bureau with a civil money penalty {$1000.00} per violations, I wish for your company not to be in dishonor, but if so I have no choice but to sue and file a complaint with the Better Business Bureau XXXX send me 1099 for this item for my tax purchase because my accounting is Requesting it because they saw it on my credit report as a charge-off. I would greatly appreciate all your help.
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| 11/26/2021 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Dear Sir or Madam, XXXX. XXXX XXXX XXXX XXXX Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells XXXX days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with XXXX XXXX XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( XXXX, XXXX. XXXX, and XXXX. ) as stated below : XXXX. Correction of billing errors ( b ) Billing error ( XXXX ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. ( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. ( XXXX ) Any other error described in regulations of the XXXX. XXXX. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section XXXX ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section XXXX ( a ) ( XXXX ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section XXXX of this title and has allowed the obligor the same number of days ( not less than XXXX ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section XXXX ( a ) ( XXXX ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. XXXX. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( XXXX ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA XXXX ( a ) ( XXXX ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBAXXXX ( b ) ( XXXX ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the XXXX XXXX XXXX XXXX. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have XXXX days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX
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| 11/10/2021 |
Yes |
- Debt collection
- Auto 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 XXXX XXXX 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 XXXX XXXX XXXX XXXX, 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. CONCORDE AUTO MGMT SER bal. {$0.00} 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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| 11/24/2021 |
Yes |
- Debt collection
- Auto 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 XXXX XXXX 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 XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXX stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX 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. CONCORDE AUTO MGMT SER bal. {$0.00} 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 XXXXXXXX XXXX XXXX XXXX XXXX
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| 10/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
Older American |
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XXXX XXXX, XXXX RE : Swindling consumers selling broken cars just to take consumers money To Whom it May Concern : I need help from being abused-threaten as a customer buying a used vehicle on XXXX/XXXX/XXXX. This dealer, XXXX XXXX -Concorde Auto loan, promised my XXXX XXXX XXXX XXXX 2yrs warranty or 20000 miles or so for repairs or anything go wrong with the vehicle.
When I actually took the vehicle home and drove this car, then dashboard warning lights come on ; such as check engine, service escape, motor lock warning, traction light, as well vehicle was hesitant to start up and go ; steering wheel hard to turn doing such a time. So, I first taken the vehicle to XXXX XXXX for repair on more than one occasion. They did not make any repairs each time keeping me 4-6 hours at their place of business to check the vehicle. Only later on claiming they were not able to fine anything wrong with the car. The staff then told me to take the vehicle and get a diagnostic check ran on it. Now I believed that was why I brought the vehicle to them the last time. I continue to make regular monthly payment.
The XXXX continue to frighten me to a point of fear of being stranded. So, I had to take off work or spend all day as well as go on Saturday for them to not help or fix the car. When I complaint to them they told me again to take the vehicle for diagnostic, just let them know before hand. I gone as long as I tolerated this all the way up thru less than 6 months of owning this vehicle, while paying the car payment ; then I took the XXXX to XXXX XXXX. During this time I spent nearly totaling XXXX in repairs to get this vehicle running under 6 months owner. Okay, I got the diagnostic done and still paid car note and for repairs out of pocket. Originally I paid XXXX or so for the first part of the repairs needed. The staff at Concorde then moved a payment for me to the back of my note. The vehicle started to stale on me so I had to take it back to XXXX XXXX where I paid another XXXX or so for repairs. I can not afford to pay that kind of money for car repair and the car payment. I have vehicle insurance that do not cover this type of vehicle problem. I need the car to perform my job. I feel it only fair for Concorde to take off funds that I spent to fix the car from my note. I spoke with Concorde manager, who told me they moved a payment once and that they were not able to do it anymore for this XXXX car note payment.
I can not afford to fix a car that I just recently bought and pay a car payment as well. I told them this and I let Concorde staff know that I would talk to my lawyer about selling me a lemon car and wanting me to pay for the car note and pay to have repairs fixed in such a short time of owning the vehicle. Please help me Please see the attached paperwork of this matter. XXXX/XXXX/XXXX recd threaten letter to accelerate debit owed.
Confused=Mistreated consumer XXXX XXXX XXXX XXXX XXXX XXXX
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| 12/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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It started early this year, I wanted to refinance the vehicle I have with Concorde Auto Acceptance. I asked XXXX, the account manager over the vehicle if I am too, she told me I would not be able to refinance, even if I go outside. I also ask about returning the vehicle, once, and was told it would be a repossession on my credit, even if I give it back on good terms.
So I became aware of another option and request my billing statements to be sent to me via mail, first via telephone, speaking with a few accounts, which all conversations recorded. I was decline and was given the payoff ( via email ) and an email to ask about getting my billings statements mailed.
I sent a email to their support team on XX/XX/2021, where I requested billing statements, both past, current, and total. I was asked by XXXX, who implied he had authority on behalf of the CEO to make necessary decisions, who wanted me to send him my address, ID, employer, and last XXXX of my social security number, via unsecured email, yet, in a later email he told me that he/they take security serious and refuse to mail me my billings statements, even future billings statements, which I am entitle to legally, via mail. Later in the emails, he told me that I can pick up the billing statements in person ( which will be out of my way, financially, repetitively ), and after I was already told by the accounts in the office, that I would not be able to get, for they do not do remittance coupons billing statements, and everything is online.
So after I came into knowledge and notice a billing error. On XX/XX/2021 I sent a billing error dispute to Pursuant 12 CFR 1026.63 " billing error, '' and Pursuant to 1692j the " bills '' Concorde Auto Acceptance furnishes are deceptive and it's a violation to federal law. ( The letter will be attached ) In response to the letter, which will be attached, I was sent a texted by the company and sent a letter to collect a debt, which has been causing emotional destress, for they attempted to tow the vehicle.
They have not allow me, and still have will not allowed me to pay my car note, and have locked me out of my account online option to pay, which I believe, they are wanting me ti pay their insurance, which I already have my own. They forced ( because they will not allow me me pay my car note ) me to call my insurance for a declaration page, after I sent in my insurance card. Even though I have insurance outside of them now, they are denying me the right to pay my car note, which is causing me emotional and financial stress having to use XXXX or pay others to drive me around. When I spoke with XXXX keep saying they have to verify my insurance in order to let me pay my car note, but is having me call them, because they dont want to accept my insurance card.
And instead of addressing the billing error dispute, I feel I am being retaliated against and it cause me emotional and financial stress.
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| 03/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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In XXXX of XXXX after a billing issue, I filed a CFPB complaint against Concorde Auto Acceptance. In their response, I found thay my contract I had with them was not valid and Concorde was not present, nor was it disclosed that my contract would be transferred with my consent. Auto City Credit not only breach the contract, but also my privacy was breached when XXXX XXXX, who XXXX is XXXX XXXX, transferred my contract to Concorde Auto Acceptance, which is also XXXX XXXX XXXX, blindly without consent or knowledge, creating a trilateral contract that I did not sign. Since then I have had Concorde through usps ( federal ) harrassement and threaten criminal. When I sent XXXX XXXX and Concorde a cease and desist, Affidavit of Truth requesting financial records ( journal, ledges ( on and off ), account ( including tax ), which I am entitle too under USC and UCC. And rescind my contract based on their TILA violations and USC, CFR violations. XXXX XXXX, who suposedly " TRANSFERRED '' my contract to Concorde, filed suit and illegally attempted to tow it several times, breaching the contract and my right to arbitration. After enduring mental duress and stress from XXXX XXXX and Concorde, I came in knowledge of instruments, and sent XXXX, XXXX, XXXX, XXXX, XXXX, XXXX to XXXX XXXX XXXX XXXX XXXX, to discharge the debts and payoff according to UCC, USC, and, which he recieved on XX/XX/XXXX at XXXX, per certified mail receipt XXXX, alone with IRS Tto release my property fron interest and notarized statement accept all rights, titles, and interests as the agent to the account I have with them. XXXX and/or XXXX XXXX never repsond. XXXX XXXX then committed another violation, for the company recieved payment, but committed Auto theft and had my vechile towed, for if the court was in knowledge of this payment, they would not had the right to tow. I then recieved a certified letter from Concorde, that they were in possession of my vehicle and was going to file a XXXX ( one of which I already sent also with other instruments to Auto City XXXX XXXX who is over both companies ). I never signed a contract with Concorde, which makes them a debt collector and their letters come off as harrassement. I have since filed a motion to protect my federal consumer rights, which has been violated serversl times with both these companies. I have sent Concorde and CC/witness many agencies a Conditional Acceptance and am waiting on a response, ONLY VIA USPS. My next step with XXXX XXXX will stay legal and I will not disclose, I will also be selective to the documents I upload, for all documents will be used as exhibits in litigation and do not want their legal team to have access too, to early. I want to make CFPB aware and most likely I am not their only consumer who might have the same issue with XXXX XXXX XXXX and their past clients might not be aware of the breach in contact, privacy, or TILA violations and their rights.
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| 12/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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XX/XX/22 salesman text me asking if I wanted to make an appointment to come in. I responded : I'll have to wait. Had an unexpected expense and will need to be paid again to have a down payment If I wanted to proceed with the option to file taxes pay later how does that work To defer my down payment for a later date or when my taxes come in. They text back : last current check stub and file taxes with us here at XXXX XXXX with our XXXX XXXX program. We've teamed up with XXXX to get you an early advance on your tax refund. When you come into the dealership your XXXX will assist you with filling out the tax estimator to see how much you can expect back. We can advance up to {$2000.00} of that now to use toward your down payment. It's a great way to get you into that dream car NOW instead of having to wait 3-4 months from now. If you're interested, I then responded : But if I only need XXXX what Happens the rest of it as I did not want to apply my entire refund to a car just XXXX They responded : we can do the XXXX XXXX deal with the XXXX today if you wan na come in and we can inform you everything about it At this point I called my salesman and asked again for reassurance of my understanding on the XXXX XXXX program based on the sole fact that I didnt want to pay for XXXX for XXXX miles and not leave with a car. The salesman assured me on the phone I would leave with a car using XXXX XXXX. I made it clear I did not have a down Payment. The XXXX XXXX promotion is advertised on their website and on site and says : drive now pay later use your future refund now Fast forward to arriving, test driving, even signing a contract, and when I was asked for the down payment, I reminded the salesman helping I was using the XXXX XXXX program. He wasnt very pleasant, and proceeded to educate me on his interpretation of the program and said the program was for higher end vehicles requiring larger down payments and later said the XXXX XXXX program would work with my chosen vehicle however I was required to pay half down and the other half come from my return. This Involved an increase in my required down payment that went from XXXX to XXXX now bc I wanted to go the XXXX XXXX route.
To conclude a very frustrating time, I was forced to leave using XXXX again with my own funds as they would not pay this for me even though they assured I would leave with a car.
Once it was established I wasnt getting anywhere I was left to find my own way home and the sales went on as he began calling potential clients and had nothing more to say to me.
My request for resolution is clarity in writing of this XXXX XXXXXXXX drive today pay later program and update marketing to clearly outline it isnt true as the salesman confirmed today and left me paying {$75.00} I. Rideshare fees out of pocket.
Bad business.
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| 11/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I got a XXXX XXXX XXXX XXXX XXXX at this place back in XX/XX/XXXX, I was charged a cash deposit, a high interest rate of about 19.49 %, and they made me buy separate car insurance. I was making my payment on time until around XXXX of this year ( XXXX ) where i then asked them if their company offered a hardship program that would give me an extension on the car lease to give me time to finish the agreement, they requested documentation of my situation for which i obliged.
They responded with 1 deferred payment of 2 weeks and 2 weeks later i was making the same payments that were my original payments in the first place, funny thing is i have never asked for a hardship program before so i was hoping they would work with me.
Every time they called i answered and i have tried to stay in honor with the contract, by continuing to pay as i could for as long as i could. XX/XX/XXXX i am still letting them know that i am having a hard time but they didn't care asking if there was anything else they would do so i would go into default and they said no, imagine my surprise when i wake up XXXX day of XXXX and my car had been repossessed, they said i am 25 days behind and that to get the car back i would need to sign a new contract with them to see if they would like to move forward with this but there is already a contract so what are they talking about? This sounds like they are trying to recontract me in a new contract. Why are these companies allowed to do this to people, I've never received any notice at all that the car was being repossessed and there has been no communication via email, they are always so hostile with me when i am just trying to get information. I've been hung-up on many times that i am afraid to call them ; they escalate situations when it's not necessary and are very unprofessional. I will never deal with this company again. They did not inform me that i had a right to rescind this contract at any point of doing business with them and then i went to pick up my items at the XXXX XXXX at XXXX XXXX XXXX in XXXX Tx where they were holding my items XXXX and they had me sign a release of the vehicle stating that i am volunteering to give them back the car. This is a public notice that all contracts are here by rescinded with XXXX XXXX and its finance company XXXX XXXX XXXX.
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| 11/13/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I 've recently pulled my credit report and noticed that there 's a collection from your agency on my report. I have never been notified of this collection. However, this does not imply that I refuse to pay the debt. Rather, I would like to dispute your claim.
There 's two closed accounts listed on my report. One account was closed on XX/XX/XXXX and the other on XX/XX/XXXX. I 'm not aware of the information that 's being reported on my account.
I recall getting a XXXX XXXX XXXX from you all, not long after that I was in a terrible XXXX XXXX that left my car totaled and me in the hospital ( the police report clearly indicated that this XXXX was caused by someone XXXX the XXXX XXXX, I should not be responsible for a XXXX loan. I spoke with my account manager and she agreed that I will not be responsible and that this will not appear on my report
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| 08/11/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have a loan with CONCORDE AUTO ACCEPT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CONCORDE AUTO ACCEPT with no successful resolution. XXXX only reporting me late. There was definitely an error on their part.
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| 02/05/2024 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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| 07/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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| 07/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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| 02/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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| 04/19/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
Servicemember |
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| 11/17/2021 |
Yes |
- Debt collection
- Auto 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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| 12/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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| 04/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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| 07/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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| 04/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Referral |
Older American |
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| 07/27/2018 |
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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| 02/02/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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