CREDIT CONCEPTS, INC. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
10/23/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Repossession
  • Company communicating payment assistance or payment extension options
  • OR
  • 97070
Web
I am a single mom on XXXX and my car was stolen and I owned it outright but the person who stole it totaled it. I needed a car desperately so I went to the dealership with my car and they gave me XXXX bucks for a XXXX XXXX that only had some drive line issues so it wasn't totaled like I was told. They set my loan up with this credit concepts company who has given me a rate at 30 % and that is the lowest they go according to them. So the car had XXXX miles on it and is a XXXX and they knew I was a XXXX XXXX so it's been 2 years I haven't paid really anything on the principle because the interest rate is so high the car now has over XXXX miles on it and breaks down all the time I have had to put a lot into it for repairs I lost my place that I lived in and now live in my car. I have explained this to the lender and have asked several times for a resolution or a re financing but they said I am already at their lowest rate. So I took out XXXX dollar loan for this car and I still owe like XXXX on it and XXXX XXXX XXXX for this car when I bought it at the mileage was less than what I have already paid on the car with my payments being XXXX dollars a month and I am 2 years into the loan still owe XXXX and I am now about XXXX dollars behind on my payments just gave them XXXX dollars and was told if I didn't give them another XXXX again this month they were repossessing my car because they couldn't wait till XXXX for another XXXX dollar payment. I can't refinance the loan because I am so underbelly on it and I don't have XXXX Dollars to put down on the loan to lower it so I can trade it in or refinance the loan. So I am going to end up with a car that doesn't run and still making outrageous payments on and not be able to get another car which is something I can not go without due to my XXXX and my daughter 's XXXX I need my car not only to do my part time job as a XXXX XXXX but to also make it to medical appointments and get my daughter to her medical appointments and getting her to and from places for medical things she has to do and without a car it would greatly disrupt our lives and lower our quality of life especially because we live in our car now and this company that has gotten way more then what this car is worth is now threatening to come take it from us if I don't give them another XXXX before the end of XXXX when I have already given them XXXX this XXXX. And to top it off they call my phone probably 25 times or more a day harassing me and threatening me with taking the car and filing suit against me. I have paid them everything I can when I can I have kept in communication with them but non of that matters and they lie about having options and they lie about being willing to help and I can't imagine how many of us their are our there that company 's like these guys and this car dealership sell a car way way above the price the car is worth knowing very well that the consumer will never be able to one get out of the loan ever and two go underbelly on the loan within the first 6 months or in my case I was underbelly on it before I drove it.off the lot because they sold it to me at way above its value and no one monitors these lenders or car lots and they put people in desperate situations from things out of their control and take advantage of them and put them in an even worse position then they were in when they came to them and not only that but they also paid me way under what the value of my XXXX XXXX XXXX was worth and lied to me about it being totaled and how they were doing me a favor even paying me XXXX for it. This if not illegal business practices not only by the car lot but also by the lender. It is definitely a moral disgrace to the consumers they swindle and it should also be an embarrassment for the states that allow this kind of crooked lending to its consumers who they are to be protecting against things like this. This company is willing to put a XXXX mom and child on XXXX XXXX for a car that has been paid in its value and well over its value already and is unwilling to except the payment arrangement I told them I could do and that it was leaving me literally with nothing else so they go home and rest easy while placing a mom and child on the streets over XXXX bucks that they didn't get of the XXXX they were demanding to get in XXXX because all I could afford to give them was XXXX and I told them another XXXX in XXXX and they could add another XXXX to each regular car payment till the balance was caught up and they refused this and said they will need me to tell them where the car is so they can come get it as we are homeless due to a domestic violent situation and having to leave with just our clothes in back packs and we lost everything else we have ever owned since I was XXXX and moved out I literally lost everything other then the clothes I was able to pack into back packs and now live on the streets in my car with my health declining at an alarming rate that at this rate I won't even be alive to pay off this loan even if I made all my payment of XXXX dollars every month with 30 % interest less then XXXX dollars goes to the principle of the loan. This is an impossible situation to get out of and all this has happened to me of no fault of my own and it all started because someone stole my car and I was told that it was totalled and not fixable but yet the dealership had it on their lot not even a month after they took it from me for XXXX bucks and then placed it for sale for over XXXX bucks. How is that not bad business or shady business not only on a lender who accepted that as a reasonable payment for my XXXX and went along with thia but then sold me a car that was way over priced. I don't see how anyone can't see this as illegal activity on both the lender and the car dealership. They have made more money off of me then I am worth in my entirety and they did it with a smile on their faces acting like they did me a favor by ripping me off lying to me and putting me into a car they knew wouldn't last and a loan that I would never be able to get ahead of or out of without a large sum of money to put down and knowing I am XXXX knowing that I wouldn't ever be able to do that they got away with taking my horrible situation and turning it into an even worse one and being my worse nightmare of harassing phone calls and threats on a daily basis to the point that I do not take their calls and I will not talk to them other then through email because no one should have to listen to threats daily when they are already suffering enough and going through enough already.
07/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • CO
  • 80526
Web
On XX/XX/XXXX I was sold a XXXX XXXX XXXX XXXX truck under false pretenses by XXXX, XXXX XXXX, WA XXXX Dealer # XXXX. It fell apart within a week after the purchase and the cost of repair exceeded the value of the vehicle, it was a lemon. The price for the truck was {$2400.00}. I put {$500.00} down and financed {$1900.00} with Credit Concepts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Upon trying to return the vehicle I was told " tough luck '' by both the dealer and the lender, as they enforced the contract on me. I made two payments of {$200.00} ( {$410.00} ). My total out of pocket was ; Down Payment + 2 Monthly installments = {$910.00}. I was financially displaced because of the purchase, and subsequently lost my job and home. I was not able to secure help on my behalf to defend myself so after struggling to make 2 monthly payments I was unable to pay for 4 years while I recovered financially. There was no way I could have fought them on this at the time with the limited resources I had on hand. When the truck broke down I left it with a mechanic who said he would coordinate with the lender for the repo and reimbursement from warranty repairs that were allowed and serviced. Although the services performed by the mechanic did not get the truck back to running or driving sadly. The lender did not attempt to collect the vehicle from the mechanic. Instead they charged off the account and considered it a loss. They even stopped trying to contact me or have me pay the debt. 4 years go by. I pay all my other bills on time. I built a credit history I'm proud of and never miss a single payment on anything EVER. It turns out, throughout my entire credit history this was the only derogatory account. It is safe to call that a mistake. Things happen but this is not a consistent pattern for me as I always pay my bills. So I reach out to the lender and attempt to clear the debt with them approximately XX/XX/XXXX. They refuse to work with me and insist I pay an egregious dollar amount which included an unwarranted amount of interest otherwise they threatened to file suit to get a judgement against me. They were absolutely rude and aggressive in their attempt to collect the debt, making an assortment of threats with lies on how the legal process would work in their favor. I opted for an attorney to litigate with them. They would not budge. After a month of going back and forth they served me with with the lawsuit in XX/XX/XXXX. I had no choice but to pay, they " settled '' with me at {$5000.00}. I had {$1500.00} left to pay when I stopped making payments in XXXX ( vehicle price minus total out of pocket / {$2400.00} - {$910.00} = {$1500.00} ). I paid them more than 3 times that amount. They continue to report inaccurate & derogatory information to the credit bureaus even when they have come out far ahead. They want to do what they can in spite of me only because they feel they have to power to do so. You've been paid credit concepts, stop hindering my account and defaming my name. I have lost so many opportunities in housing or increased payments for other loans all due to this one mistake I made in the whole of my financial history. Please help me put this behind me. Please help me get Credit Concepts to stop deliberately reporting inaccurate and harmful history to the credit bureaus. Its been long enough and they intent to report this history for the full 7 years after the settlement in XXXX. I will be affected and incur considerable loss for a total of 11 years before this falls of my credit report if credit concepts gets their way. I believe they are grossly taking advantage of the financial system to hurt consumers just because they feel they are in a position of power. Its not right. They still claim that I have settled with them for less the the original amount, this is false. They are reporting that I am delinquent in payments for all of XXXX and all months in XXXX leading up to XXXX, but the contract was initiated on XX/XX/XXXX at XXXX not anytime before that, so that is false. The credit reporting agency will not approve my 100 character explanation note to be presented in my profile for all inquirers to see with my claim that i have paid more than the contract amount. I have paid a total of {$5900.00}, for a truck I never got to utilize.
12/09/2023 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • NV
  • 894XX
Web
XX/XX/XXXX My car loan was reported to my credit as only 33 % paid off and that I still owe almost {$6000.00} to Credit Concepts. I have paid {$10000.00} over the last 2 years on this XXXX XXXX. When I saw this after pulling my credit I went to my banks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and asked for full bank statements over the last two years. I then pulled out old receipts, highlighted, and put into a spreadsheet all the payments in the statements relevant for Credit Concepts. I made 23 payments of ( more or less ) {$350.00} to Credit Concepts and {$2000.00} I paid to the dealership, upon getting the car, XXXX XXXX XXXX. XX/XX/XXXX I received a letter from XXXX XXXX on XX/XX/XXXX. XXXX supposedly is auditing Credit Concepts and so I replied by sending out a letter, the copies of the leases that I had and a spreadsheet stating the dates I made payments. ( See letter attached ). XX/XX/XXXX I've never heard back from XXXX. However my account holder and his manager reached back out to me, In regards to some concerns I am having with my account. later in XXXX. The auto lease signed at the dealership was half on paper and half on the tablet. When we finished XX/XX/XXXX, I was given, which I later found out, only half the lease. When I got in touch with the manager, XXXX, on XX/XX/XXXX, she provided me with a copy of everything that I had except for the Contract For Sale and Security Agreement document ; which displays that my car and my lease had an extra {$6000.00} added on to it, that I did not know of. I have a recorded phone call of that day, that states me asking, If they are the type of bank to sign a {$20000.00} lease to somebody who didn't know what the car lease entailed for a {$6000.00} car? and the response from XXXX was I'm the one who signed the papers. I was XXXX XXXX XXXX and didn't have the ability for my family to come with me. Other Concerns Doubled Insurance After further looking over my entire lease and discussing this with other bystanders, we have come to the conclusion that they also double insured me- which is illegal in the state of Nevada XXXX Please refer to the XXXX XXXX, which XXXX clarified XX/XX/XXXX was my insurance through them ; This is in the recording. I have included my liability insurance that the DMV provided so I could drive the car off the lot at the date of purchase ; Which was required by the dealership. Bald Tires and Verbal Agreement There were other red flags that, at the time, my XXXX self did not realize were notable. When I drove the car off the lot, the dealership signed the inspection as satisfactory, even though the tires were bald and made a verbal agreement that he'd take {$400.00} off the car payment instead of new tires. I did not see that money put towards or removed from my principal amount and new tires were actually $ XXXX ( I have a tire receipt copy, if needed ). Cashier 's Check Ambiguity They had me pay {$2000.00} as a downpayment. {$1500.00} was paid the same day, {$500.00} was paid XX/XX/XXXX. I got a cashier 's check for {$1500.00} at XXXX XXXX in order to pay XXXX XXXX XXXX and when I asked them who to sign it out to, the dealership had me sign it to XXXX XXXX XXXX and didn't provide a receipt. The only notable relation is the day that I got this cashier check for an auto sale is the same day I signed the paper for XXXX XXXX XXXX for this lease agreement. Incomplete Lease Disclosure and Undisclosed Additional Charges When looking over the payment history lost they provided, the first payment of {$350.00} went to interest only. None of the late fees were consistent, even though I have a document from this bank informing what they were going to charge. At one point my account holder had given me a call, because my car payment was a few days behind. In this call he had stated if I paid {$200.00} over the phone right now with my card, then I wouldn't have to worry about my car payment that month. I said no thank you ; I'm not interested unless there is a written agreement and I proceeded to pay my car payment at the normal amount as usual after hanging up.
08/03/2017 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • OR
  • 977XX
Web Servicemember
I had a car loan for a vehicle with Credit Concepts originated on XXXX for the amount of {$7600.00} In or around XX/XX/XXXX I asked them to come get the vehicle as I could not afford it voluntary repo, the company does not have record of Repossession date. according to the company the vehicle sold to another party for the amount of {$3700.00} and left me a balance of {$3500.00} still owing, the company never sent me any correspondence regarding balance owed however claim they did. I received a writ of garnishment, dated XX/XX/XXXX that stated I was to return the property of the lender which had already been returned, I never received notice of court hearing that i had the right to attend. i have contacted the company on several occasions to inquire about amount owed after the sale and asked for documents to be sent to me, never received any documentation. Today XX/XX/XXXX my employer was notified to garnish my wages for {$8400.00}. When I called the Company regarding why I was never notified of a court hearing I was told that it was served to a person renting a room in my home and that person signed for it, this is giving information about a debt to someone that is not me and has no connection to me, not even my spouse or personal relation to me. this notice of court hearing I never received. on my Credit report it states my balance is {$5100.00}. last payment XX/XX/XXXXcharge off date XX/XX/XXXX, and last on time payment reported on XX/XX/XXXX. Now I am being Garnished for {$8400.00} effective XX/XX/XXXX both of these amounts are higher than the balance I owed when the vehicle was sold and the company says it has continued to collect interest, however the company has made no attempts to contact me regarding this debt. and on the front of the writ of garnishment it states for that the final four of my social security number is to be printed and yet my entire social security number is printed there. When the vehicle was repossessed I contacted the company to inquire and was given no information as to how much was owed. I even recently disputed this company on my credit report because they were reporting the same debt 3 times on one bureau and one them was removed and even to this day are reporting two separate times for the same debt one says started XX/XX/XXXX closed paid in full the other says started XX/XX/XXXX closed charged off. So not only did this company fail to provide me with what I owed after the repossession sale, they also disclosed information of my debt to a third party, i was never notified of a court hearing against me so was never given an option to dispute this in court. They had a court hearing in a county that is 3 hours away from where I live, and now they are charging me well over double what my debt was after the vehicle was repossessed and sold.
01/18/2018 No
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • WA
  • 980XX
Web
I purchased a used vehicle on XXXX XXXX XXXX less than a week later on XXXX XXXX XXXX, I discovered the car developed an engine tick. I brought the car back to the dealership for them to repair the vehicle, they told me it needed a new timing belt, water pump, and tensioner, they charged me {$500.00} for the work which I later found out was NEVER done, the car was picked up on XXXX XXXX under the assumption it had been fixed. On XXXX XXXX, the engine overheated blowing the radiator on the car. After taking it to a dealership to determine what was TRULY going on with the car. I was informed that the radiator blowing was caused by a warped engine block and ignition coils were firing into the cooling system which caused the car to overheat and blow. They found no evidence of a repair to the timing belt or water pump, the only thing they found was an obscene amount of stopleak in the cooling system which was put in by XXXX to stop the engine tick but caused the radiator to ultimately explode in the end. The reason for my CFPB complaint. Was that I called Credit Concepts before getting any repairs done on the car, before I made a down payment, and before I was actually obligated to pay for this car they lied to me over the phone and told me I was, they said that if I did n't pay my payment because I could n't afford the over 10k in repairs on a XXXX car, they told me they would sue me, garnish my checks and damage my credit if I failed to make a payment. I told them over the phone that the dealership lied to them and I never gave a down payment and they still refused to work with me and just continued to keep threatening to sue me, garnish my wages, ruin my credit, and make my life miserable. I am now over 17k in debt for the repairs on this car and the loan itself. The car is only worth less than $ 2k USD with the blown engine it was sold with. I have attached a picture of my phone call history and hi lighted the 3 calls made where they continuously threaten me and refuse to work with me. This entire business is built and run off of ruining innocent people 's credit. I told them I had a less than XXXX XXXX XXXX infant they put my life and my child 's life in danger. I was told by Credit Concepts that all calls are recorded and stored, if they are refusing and denying having access to the calls hi lighted in the attached documents they are purging and deleting evidence.
01/07/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • WA
  • 982XX
Web
Credit Concepts a third party CONSUMER lender gave an approval to finance XXXX to cover the remaining amount of a vehicle we could n't pay in cash. We fiilled out a consumer application for a vehicle loan. AutoTrack the dealer let us know they Credit Concepts declined to lend XXXX more then XXXX as credit concepts said the amount we were asking for was out side " their '' first time buyer max of XXXX. We could only pay a max of XXXX cash so the dealer on his own account sent them a fraudulent claim of a possible security interest in a trade in vehicle we have never owned this made the deal look sweet enough to prompt Credit Concepts to up the amount they would loan to us by an extra XXXX for a total amount of XXXX. It states in all the financial documents that our XXXX was due at the same time funding was released for the XXXX evidencing this was not a sale at " retail '' or an extension of credit from the dealer. This was not a RSIC up for purchase nor assignment this was direct lending from credit concepts to provide my husband with the remaining amount of the vehicles selling price we could not cover with cash to buy the XXXX at no point did the dealer ever intend on being the XXXX " financing '' the deal! Credit concepts has a Consumer lending license under the state of Washington and the ability to purchase " contracts '' however, there is XXXX material element that would be required to " purchase a contract '' and that would be A PRE-EXISTING CONTRACT TO A ALREADY COMPLETED TRANSACTION. I can have my attorney provide copies of the contract if need be i will be attaching the financial paperwork. There is a consumer application for some reason when they sent us a copy they cut off the bottom part where is was signed anyways the bank named is XXXX XXXX bank now referred to as XXXX Bank and its creditor associates namely being Credit Concepts in our case. I provided a copy of the VPO that the dealer sent over as a deal sweetener with a security interest trade in of a jeep compass. I also included the denial and then approval letter from the lender Credit Concepts.
10/04/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Repossession
  • Company communicating payment assistance or payment extension options
  • WA
  • 98387
Web
Credit concepts is ripping off subprime consumers. I purchased the vehicle at XXXX XXXX, put down XXXX XXXX and made monthly payments of {$300.00} for XXXX years then they garnished my wages of XXXX XXXX biweekly and how do i still owe more than the original loan amount? They are still reporting it to my credit report. So where did all the money I paid into this loan go? It is now XXXX and they are still chasing me but have charged me {$7900.00} in interest alone and showing I still owe {$10000.00} in principal balance. XXXX XXXX and XXXX XXXX discriminated against me called me XXXX slurs over the phone. XXXX XXXX just hung up on me when I was explaining how his representative was being XXXX to me. This is a lemon vehicle that i voluntary turned in they sold for {$100.00} from XXXX. They have violated consumer laws by not even telling me where the vehicle was auctioned off at. Because I would have definitely bought it back for {$100.00} especially if they are charging me {$17000.00} today. The interest rate is excessive they have no explanation why they are charging me. XXXX XXXX and XXXX XXXX made XXXX slurs against XXXX people directing to me. Credit concepts made illegal corrections tk my balance because what I have does not reflect what they have. I have emails from different reps providing me with different amounts owed. XXXX year they said you owe {$10000.00} and now I owe {$17000.00}. This is scam and they are ripping off subprime lenders! {$17000.00} is the price of a brand new vehicle! So basically I am paying {$17000.00} for a XXXX XXXX XXXX. They are not even worth {$17000.00} today. This is the same company that did fraud and was stealing from customers and got sued! They have history of violating consumers rights and excessive charges. Accounting department needs to get audited. This is discrimination.
12/16/2022 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Billing problem
  • OR
  • 970XX
Web
Finances used XXXX XXXX XXXX in XX/XX/XXXX. There were problems with vehicle at test drive. Was told by sales person that they would make repairs to vehicle ( transmission and clutch ) the coming weekend. I tried to get vehicle in almost daily for the next 9 months and was given an excuse wash time I asked to bring it in. I was promised by salesman that they would adjust and repair any problems with clutch it transmission the next evening and at latest the coming weekend. I paid on time for 9 months while trying to get car into their repair shop and then one day three cars transmission head internal failed unspecified and broke down was undriveable.. I towed it to repair shop and ward told it needed a new transmission and that the one that was in it was faulty and would have broke down now matter what. I then contacted city auto wholesale to explain and they put me in an old XXXX mold filled case which gave me respiratory distress even with a mask on. My husband is now being garnished for an amount exceeding {$12000.00} XXXX on XXXX loan that was closed at its high if XXXX in XXXX. I had made all payments on time for 10 months. Even 1 ninth after break down and stop making payments when I knew that the cat loot was not going to make it right. They repossessed three car in the 11th ninth after date of financing, sold vast for XXXX at auction to another sector. In their firm ( credit concepts, XXXX XXXX in XXXX of XXXX and stated collection egrets on the original loan admit and note then XXXX interest. They garnished my ostrich in XXXX and none of the garnished XXXX went towards the high balance or interest. Now they have added another another over XXXX interest to the closed account ( XXXX ) in excess of XXXX and are harnessing my husband 's wages for that amount. The account was charged off in XXXX. And closed.
12/05/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Repossession
  • Lender trying to repossess or disable the vehicle
  • WA
  • 98373
Web
Explained in advance iam a victim of identity theft and provided proof of identity theft and everything that revolves around the identity theft. They said they would work with me. Price of vehicle {$10000.00} on XX/XX/XXXX I gave {$5300.00} cash for down payment. On XX/XX/XXXX I signed a loan agreement for remaining balance. Dealer rushed through the signing of the contract. When I asked why I'm financing {$10000.00} they strong armed me for even asking and said because tax and licensing fees. Dealer had me so confused and feeling violated in all my rights as a consumer, discrimination against me for being a vicitim of identity theft crossed my mind. On XX/XX/XXXX two men pounded on my door and demanded my keys to my vehicle, they threatened me said i gave a fraudulent paystubs they were so agressive i feared for my life so I gave them my keys and they toke my vehicle. I immediately tried to contact XXXX the dealer with no luck and no response back. I am a employee XXXX XXXX XXXX arts and I am also the owner. I am a law abiding citizen active in my community. Defamation of my character, discriminating against me, they are violating me and the contract I signed doe not seem legal. Can you please help me get my {$5300.00} cash down payment back. Thank you
10/23/2018 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WA
  • 98387
Web Servicemember
In the last 60 days I've been garnished by this credit concepts of s total sum amount of {$1500.00}, every single month since I've had this loan they've been adding {$330.00} every single month to the balance since the date of voluntary repossession of XX/XX/XXXX. Now they are garnishing me again knowing I am a single mother also domestic victims of XXXX minor children and I have left emails but the company manager is so unprofessional he just forwards my email rather than giving me an immediate response. I have had this same balance for three years and they are the most fraudulent sub prime lender out here. Ive paid over {$4.00} grand for a $ XXXX loan and why does my balance still reflect {$9900.00}? Where I started? Credit concepts are not following correct practices have never showed me no evidence of the repo sale nor a detailed billing of my entire account I requested since I first had this loan. They are a joke to consumers ripping off subprime consumers. I have other coworkers who are also with credit concepts who have showed me evidence of their wrongdoings and we are all going to take this to Attorney general.
10/06/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • OR
  • 97229
Web
XX/XX/2018 I baught a car from XXXX XXXX XXXX in XXXX Oregon which Credit Concepts funded the purchase. Less then three months later, there was something that happened to the car that cost less then {$700.00}. While insurance was pulling all my car info, they found that the car had been totaled four times prior. I contacted the dealer to which they said I signed a notice excepting the salvaged title which I did not. Whip city then told me to contact Credit Concepts to which I did. They stated that they confirmed it was a clean title. After sending them all papers about the wrecks it had been in and sent them papers showing repairs the car needed because of the prior wrecks, they still pushed that it was to late to back out and that they would not even take the car back when I told them to repo the car. Over the past year and a half, I have tried to work with this company to no good out come. The have pushed multiple garnishments for the max of 25 % of my income and refuse to work on any compromise. The contract was made under false information.
02/06/2018 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • WA
  • 980XX
Web
I currently have another ticket open with CFPB regarding this business which has been open for over 15 days now. XXXX Although this ticket is open and not responded to, Credit Concepts is still continuing to call myself and my employer directly. They have continuously called and emailed my employer directly to " Verify employment '' my employer has verified employment with them several times now, and it's gotten to the point of harrassment. My employer has come to me multiple times now wondering why I have so many calls to verify my employment and are questioning the validity of this business all together. I have included screenshots of emails and call logs showing these instances. Please note these recent calls and emails are still happening while Credit Concepts is delaying responding back to my original ticket. I feel these emails, calls, and otherwise, are retaliations to my original CFPB complaint.
10/27/2019 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with fees charged
  • WA
  • 98387
Web
Credit concepts is ripping off subprime consumers. I purchased the vehicle at $ XXXX, put down $ XXXX and made monthly payments of {$300.00} for two years then they garnished my wages of $ XXXX-XXXX biweekly and how do i still owe more than the original loan amount? They are still reporting it to my credit report. So where did all the money I paid into this loan go? They are just adding ridicolous fees on top of fees. And never no explanation. Theres no way I've paid all this money into this loan and the balance hasnt even moved or decreased. If this were to happen to one of them they would understand and would be arguing this matter too. I am not getting treated fairly and its been since I advised them I was a DV victim and now I am being discriminated and charged. I have a coworker who is behind on her credit concepts loan for 7 months and she still has her they never call or even try to repo her car.
02/01/2021 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • WA
  • 980XX
Web
In XXXX I was informed that I was being garnished from an old auto debt. With out any notification. With out ever being served. It was to late to do anything and the company took 25 % out of each of my checks about 7 checks in total. After the last garnishment, I contacted the company o set up arrangements in XXXX. I spoke with XXXX. We set up an arrangement for me to pay XXXX on XX/XX/2021. I tested positive for XXXX and had been in the hospital on a XXXX, when Irecieved an email stating that if I did not make a payment bu XX/XX/XXXX, she would re issue a garnishment order. I find this very appalling and i'm actually flabbergasted that I would be threated with another garnishment. I was never served properly, and the to threaten me with another garnishment when I haven't worked in two weeks is disheartening,
04/27/2023 Yes
  • Vehicle loan or lease
  • Lease
  • Managing the loan or lease
  • Problem with fees charged
  • WA
  • 98107
Web
Hello, my name is XXXX XXXX. I have a loan through XXXX XXXX XXXX, XXXX XXXX. I have had the loan going on for 6 months. I have made payment arrangement dates to fall on the XXXX of every month. fact I made a payment on XXXX for XXXX. On XXXX I made a principal payment. They are now claiming I am past due 56 days. and XXXX $ behind. they are charging me daily interest on top of my monthly payments of XXXX. They are telling me there is nothing they can do they will not apply XXXX in payments I have already made towards the loan. at first, they did not wat to agree to pay off of XXXX they up the payment to XXXX they will not provide receipts they says it's all electronic. I have a ledger they still will not fix my account. I have a balance of XXXX remaining. They did not even wat to give me the attached document.
08/30/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WA
  • 98387
Web
I have disputed and contacted this company numerous times and they continue to duplicate report which is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. Account # XXXX Account # XXXX I have requested numerous times for them to remove the duplicate and update with accurate information. They are very unprofessional and rude every time I call. They are abusing subprime consumers. One of their representatives advised me to go back to XXXX. Seriously? I am fed up with Credit Concepts and them trying to continue to overcharge me. Please review my account I have two credit concepts reported on all of my credit reports but only ever had 1 single account with them. The numbers and amount both dont match. They are ruining my credit by violating the CRA as a form of retaliation!
01/14/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NV
  • 894XX
Web
My bankruptcy case # is XXXX Oder of discharge is XXXX/XXXX/XXXX Name of debt company is credit concepts out of XXXX, Oregon I filed chapter XXXX last XXXX, & everything went good, got rid of a lot of debt..I 've been doing good about building my credit score, doing everything right. .well today one of the accounts that I included in bankruptcy came back on my credit report today, saying account open, $ with a high balance.. Before, it would say. Account closed/ paid/ and that it was discharged under chapter XXXX I was getting close to having a XXXX credit score, & today it dropped XXXX points because of it!! I filed a dispute, does anyone know what else I can do?? Sorry this post is so long, any advice would be greatly appreciated, THANKS
03/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • WA
  • 98203
Web
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. CREDIT CONCEPTS INC - Inquiry : XX/XX/XXXX CERTIFIED CREDIT RPDT, - Inquiry : XX/XX/XXXX XXXX XXXX - Inquiry : XX/XX/XXXX.
08/27/2021 No
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • WA
  • 99208
Web
I have challenged the debt several times as they got the vehicle back and sold it for less then it was worth and did not give me credit for XXXX dollars I put down on the vehicle. When I called to set up payment arrangements they would not accept when I can pay and demanded 2.5 times the amount. They lied and told me the back interest and money to pay on the principle amount required the XXXX dollar a month payment, when I asked them the interest amount and the amount owed the monthly with some towards the principle was less than XXXX dollars a month. They refused several times any payments less than XXXX dollars. I was told if they refuse what I can pay they have to void my debt.
11/29/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Problem with additional products or services purchased with the loan
  • WA
  • 98119
Web Servicemember
XX/XX/2016 Dispute 1 : slammed with GAP insurance. No signed agreement. Refuse to recalculate loan with GAP insurance removed and not disbursed over 36 payments. Dispute 2 : Charged 29.95 % on sales tax, and disbursed over 36 months. Dispute 3 : XX/XX/2016 paid receipt not applied to account. ( See receipt and account print out. ) Dispute 4 : Fee simple loan they are allocating over payments to their interest. See print out, Interest.Recast # nn nn is future interest payment
03/15/2023 Yes
  • Debt collection
  • Auto debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • WA
  • 98374
Web
Credit Concepts XXXX XXXX XXXX XXXX XXXX, Oregon XXXX Debt amount {$4600.00} XXXX They contacted a friend and gave him the letter at his property, and I did not live there and gave him the letter that was served that was supposed to go to me. Which he gave to me and it was threatening to sue me. Also, the information is incorrect on XXXX and XXXX.
07/06/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NV
  • 89408
Web
Paid of my car last year and it continues to show on my report as active no missed payments. wages where garnished and payed off 2 years ago account is also showing up when credit is being pulled. XXXX XXXX account was settled and it continues to show on my report '
06/18/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • WA
  • 984XX
Web
The company continuously calls my family and friends starting when I am 10 days late on a payment. They have called these people on much more than XXXX occasion and they know exactly how to get ahold of me.
10/06/2022 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AR
  • 72032
Web
Letters were sent to the 3 credit bureaus on the following dates : XX/XX/2022 XX/XX/2022 XX/XX/2022 I received notification this was deleted from my credit report, yet it still remains.
12/26/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • OR
  • 97603
Web
A year and a few months ago I lost /stolen all my credentials, Ive XXXX working on getting them back. I recently viewed my credit and see unauthorized inquiries
02/09/2017 Yes
  • Credit reporting
  • Improper use of my credit report
  • Report improperly shared by CRC
  • CA
  • 92530
Web
There is an issue of the company pulling my credit report every 2 months
11/21/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WA
  • 98052
Web
08/30/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WA
  • 98387
Web
07/26/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • OR
  • 97404
Phone
01/16/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • WA
  • 98424
Web
11/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30341
Web
11/13/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 30341
Web
02/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NV
  • 89141
Web
01/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • WA
  • 98446
Web
01/17/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • WA
  • 98003
Web
06/27/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 98201
Web
01/30/2019 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 31313
Phone
08/22/2018 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 92376
Web
08/10/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • WA
  • 98387
Web
02/02/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • WA
  • 99016
Referral
10/05/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Loan sold or transferred to another company
  • OR
  • 97211
Web
03/21/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • OR
  • 97321
Web