| 09/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Can't contact lender or servicer
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Web |
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In XX/XX/XXXX, I foolishly took out a loan with CreditNinja.
This is a payday loan yet CreditNinja did not align my paydays. I requested that they line by payment dates up with my paydays as they were supposed to do when the loan was issued. I was told I had to mak
e one payment and then that action would be done. I made the one payment and then receive
d an email telling me to sign new documents to set my payment dates up to be in accordance with my paydays. I did that. The documents clearly showed that I made the one payment already and my SECOND payment was due XXXX XXXX. As soon as I submitted the documents, CreditNinja began harassing me for a missed payment.
Upon correcting my due dates, CreditNinja increased my payment amounts. This is predatory lending!!! I have been taken fully advantage of with this bait and switch tactic. On XXXX XX/XX/XXXX, I filed a complaint and demanded CN set up new payment terms of {$50.00} per month for 12 months. I demanded my account be marked CURRENT/UP TO DATE/IN COMPLIANCE/IN GOOD STANDING with this arrangement.
CreditNinja responded to the XXXX XXXX complaint with a letter dated XXXX XXXX. I, however, did NOT receive notification until XXXX XXXX. This letter stated " As a one-time courtesy to you, we have added a note on your account to reflect XXXX dollars ( {$50.00} ) due monthly via check, beginning on XX/XX/XXXX, until your remaining balance is paid. As of XX/XX/XXXX, interest was halted and will not accrue any further. As of XX/XX/XXXX, your remaining balance is {$1500.00}. '' I did not agree with these terms and responded to the CFPB complaint that I would contact the company directly. On XX/XX/XXXX, I sent an email to the company. It read : " I borrowed {$1000.00} and have repaid {$460.00}. I have {$530.00} remaining to repay what I borrowed. I demand CreditNinja agree to new payment terms of {$50.00} per month paid via check for 12 months for a total of {$600.00} bringing my total payments to {$1000.00}. I want my account marked CURRENT/UP TO DATE/IN COMPLIANCE/IN GOOD STANDING.
I did not receive the response from Credit Ninja until XXXX XXXX as it was not sent to me but via the third party, the Consumer Financial Protection Bureau. As a counter response I agree to : 1. First payment of {$50.00} due XXXX XXXX rather than XXXX XXXX as I was not notified of the acceptance of this payment arrangement in a timely enough fashion to have it begin in XXXX. XXXX. Interest continues to be halted and not accruing which means my interest free balance is actually, {$530.00} to repay the {$1000.00} interest free. 3. Payments will be made by check by the XXXX of each month for XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ( {$39.00} ) XXXX 4. My account is immediately marked CURRENT/UP TO DATE/IN COMPLIANCE/IN GOOD STANDING '' On XXXX XXXX, CreditNinja simply responded " Our letter response was required to be submitted within the same CFPB portal platform. Your XXXX payment will still be accepted after today ( XX/XX/XXXX ). Please continue to submit your payments by the XXXX of each month until your remaining balance is paid, as noted in our letter response. '' None of what I stated in my email was addressed. There is NO rule or regulation stating CreditNinja may only communicate to me via CFPB. This is absolutely false and is yet another demonstration of this company 's horrendous customer service.
On XXXX XXXX, I sent a response email with the same demands as in my XXXX XXXX email. On XXXX XXXX, I followed up as I had no response. On XXXX XXXX, I followed up as I had no response. On XXXX XXXX, I followed up as I had no response.
On XXXX XXXX, CreditNinja responded : " Our letter response was required to be submitted within the same CFPB portal platform. We are not sure what response you continue to be looking for at this time but your account is now in collections, the agreement is that the interest has stopped on the loan but you are responsible for {$50.00} a month payments until the loan is paid off. We are unable to change the status of your account. We have a duty to report your actual payment performance and we will furnish that information accurately. '' Again, there is NO such requirement as CreditNinja claims. CreditNinja has a duty to communicate with me not via CFPB. They have failed to do so in a timely fashion.
On XXXX XX/XX/XXXX, CreditNinja finally responded. They stated as a final courtesy, we are offering to eliminate all interest and fees, and only collect the remaining principal due. Attached here is a payment schedule agreement, with the payment amounts and payment schedule you requested, plus an additional month of buffer time. The amount we lent you ( the amount we deposited in your bank account ) is {$1000.00}, and as of the date of this letter, XX/XX/XXXX, we have received a total of {$370.00} in payments from you. You have made a total of two payments : a {$320.00} payment on XX/XX/XXXX and another {$50.00} payment on XX/XX/XXXX. Therefore, the remaining amount of principalis {$630.00}, excluding all interest and fees.
Yet again, Credit Ninja provided false information. I had paid {$510.00} NOT {$370.00}!!
On XXXX XX/XX/XXXX, CreditNinja sent me a new agreement which states Attached here is a payment schedule agreement, with the payment amounts and payment schedule you requested, plus an additional month of buffer time. The amount we lent you ( the amount we deposited in your bank account ) is {$1000.00}, and as of the date of this letter, XX/XX/XXXX, we have received a total of {$510.00} in payments from you. You have made a total of three payments : a {$140.00} payment on XX/XX/XXXX, a {$320.00} payment on XX/XX/XXXX, and a {$50.00} payment on XX/XX/XXXX. Therefore, the remaining amount of principal is {$480.00}, excluding all interest and fees. If you sign and return this attached payment schedule agreement by XX/XX/XXXX, we will accept {$50.00} per month beginning XX/XX/XXXX until the remainder of the principal amount is paid. In other words, if you sign and return the payment schedule agreement, we will agree to reduce your balance from {$1500.00} to only {$480.00}.
I signed and returned the agreement on XXXX XX/XX/XXXX.
I called into CreditNinja this morning ( XXXX XXXX ) to make my payment which is due. The representative stated he could not take my payment as I am no longer a CreditNinja customer. He stated CreditNinja sold my loan.
This was NOT part of the agreement. I upheld my end of the agreement yet CreditNinja AGAIN did not.
I want my account marked CURRENT/UP TO DATE/IN COMPLIANCE/IN GOOD STANDING and PAID IN FULL due to CreditNinjas complete and blatant predatory lending practices.
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| 04/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Money was taken from your bank account on the wrong day or for the wrong amount
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Web |
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I took a payday loan from Creditninja on XX/XX/2020 with a payment due on XX/XX/2020. An ACH payment was debited from my account on XX/XX/2020 which did not go through due to insufficient funds, the same occurred on XX/XX/2020. I received emails from Creditninja many times and I first responded on XX/XX/2020 explaining that I intended to make half of the payment on balance owed by end of the week. Due to my financial circumstances I was unable to make that payment. On XX/XX/2020 I replied to an email from Creditninja that was sent on XX/XX/2020 about a 50 % off settlement deal, I asked how I can go about receiving that deal, I received a response same day saying I had to respond on XX/XX/2020 to take advantage of the settlement, and because I needed time to figure out when I could afford to make that payment I did not respond. On XX/XX/2020 I received another email saying, " We are informing you that your loan ... will be sold to a third party debt buyer unless you contact our collections department to arrange payment by XX/XX/2020 at XXXX CT at ( phone number ). '' I saw the email once I got off of work at XXXX, they had already closed and I was off the following day so I figured I would call them then. On XX/XX/2020 I received a push notification from my bank saying {$300.00} were debited from my account by Creditninja. I was not expecting a payment to be debited from my account since I had not made any sort of arrangement and I had until the XXXX to call and make said arrangement. I called Creditninja twice the first representative I spoke with I explained I would need that payment reversed since that money was going towards my car payment and I was given until the XXXX to make an arrangement it was only the XXXX she said they could not reverse payment because my account was past due and they were owed {$310.00} leaving me with a {$15.00} balance and that there were several attempts to get in touch with me before this but there was no contact with me therefore the payment could not be reversed. I let her know I would have to dispute with my bank because I needed to make my car payment and I had every intention of calling them to make an arrangement but they withdrew money from my account before hand, she stated that if disputing the charge with my bank is what I needed to do then that's what I should do. After the call was ended I called my bank and while I was on hold it was not sitting right with me because I was given a specific date in which I could call to make an arrangement and the money was taken from my account before I got the chance to make said arrangement. I called a second time this representative said that they would be unable to reverse the payment because again I owed the money and after several attempts to reach me with no contact they would not refund the money. I then asked if I was given until the XXXX to make an arrangement then they should honor that date he said the way I was saying it yes, however, they are able to attempt debiting the account 3 times and this just so happened to be the 3rd time they attempted to debit the account. When that call was ended I sent an email to the collections department, I explained my situation and asked why I was given until the XXXX if my account was going to be debited anyway the response I received said that the deadline was given in order to keep the account from being sold to a third party not to make a payment, after much back and forth I explained that regardless what the deadline was for I was given until the XXXX to make an arrangement but that date was not honored and my account was debited 2 days before the given date. I then mentioned, after 3 times of being told there was no contact, that I reached out last month on XX/XX/XXXX the response after that was simply there would be no refund and to contact there office for further assistance. Through the emails i was told they had the right to payment and that regular collection activity would continue if there was no arrangement on file. I want to be very clear, I not once denied making a payment to the company and yes they have every right to a payment I am not contesting that, however, I was given a date to make an arrangement and if there isn't an arrangement on file it is because that date given has not yet passed and the full amount ( not including fee ) has already been debited form my account. with both emails that I sent out in the last 2 months there is at the very least known interest in making a payment. I explained to Creditninja that I can not afford to make the full payment of {$300.00} all at once which is why I was interested in making an arrangement. In each email they apologized for my financial struggle and committed to not being able to refund the payment.
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| 08/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Can't contact lender or servicer
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Web |
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In XXXX, I foolishly took out a loan with CreditNinja. This is a payday loan yet CreditNinja did not align my paydays. I requested that they line by payment dates up with my paydays as they were supposed to do when the loan was issued. CreditNinja did so BUT increased my payment amounts. This is predatory lending!!!
I was taken fully advantage of with this bait and switch tactic. I borrowed {$1000.00} and have repaid {$440.00}. I have {$550.00} remaining to repay what I borrowed.
On XXXX XXXX, I submitted a complaint demanding that CreditNinja agree to new payment terms of {$50.00} per month paid via check for 12 months for a total of {$600.00} bringing my total payments to {$1000.00}. I demanded my account be marked CURRENT/UP TO DATE/IN COMPLIANCE/IN GOOD STANDING with this arrangement.
CreditNinja responded to the XXXX XXXX complaint with a letter dated XXXX XXXX. I, however, did NOT receive notification until XXXX XXXX.
This letter stated " As a one-time courtesy to you, we have added a note on your account to reflect XXXX dollars ( {$50.00} ) due monthly via check, beginning on XX/XX/XXXX, until your remaining balance is paid. As of XX/XX/XXXX, interest was halted and will not accrue any further. As of XX/XX/XXXX, your remaining balance is {$1500.00}. '' I did not agree with these terms and responded to the CFPB complaint that I would contact the company directly.
On XX/XX/XXXX, I sent an email to the company. It read : " I borrowed {$1000.00} and have repaid {$460.00}. I have {$530.00} remaining to repay what I borrowed. I demand CreditNinja agree to new payment terms of {$50.00} per month paid via check for 12 months for a total of {$600.00} bringing my total payments to {$1000.00}. I want my account marked CURRENT/UP TO DATE/IN COMPLIANCE/IN GOOD STANDING.
I did not receive the response from Credit Ninja until XXXX XXXX as it was not sent to me but via the third party, the Consumer Financial Protection Bureau. As a counter response I agree to : 1. First payment of {$50.00} due XXXX XXXX rather than XXXX XXXX as I was not notified of the acceptance of this payment arrangement in a timely enough fashion to have it begin in XXXX. 2. Interest continues to be halted and not accruing which means my interest free balance is actually, {$530.00} to repay the {$1000.00} interest free. 3. Payments will be made by check by the XXXX of each month for XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ( {$39.00} ) XXXX 4. My account is immediately marked CURRENT/UP TO DATE/IN COMPLIANCE/IN GOOD STANDING '' On XXXX XXXX, CreditNinja simply responded " Our letter response was required to be submitted within the same CFPB portal platform. Your XXXX payment will still be accepted after today ( XX/XX/XXXX ). Please continue to submit your payments by the XXXX of each month until your remaining balance is paid, as noted in our letter response. '' None of what I stated in my email was addressed.
There is NO rule or regulation stating CreditNinja may only communicate to me via CFPB. This is absolutely false and is yet another demonstration of this company 's horrendous customer service.
On XXXX XXXX, I sent a response email with the same demands as in my XXXX XXXX email.
On XXXX XXXX, I followed up as I had no response.
On XXXX XXXX, I followed up as I had no response.
On XXXX XXXX, I followed up as I had no response.
On XXXX XXXX, CreditNinja responded : " Our letter response was required to be submitted within the same CFPB portal platform. We are not sure what response you continue to be looking for at this time but your account is now in collections, the agreement is that the interest has stopped on the loan but you are responsible for {$50.00} a month payments until the loan is paid off. We are unable to change the status of your account. We have a duty to report your actual payment performance and we will furnish that information accurately. '' Again, there is NO such requirement as CreditNinja claims. CreditNinja has a duty to communicate with me not via CFPB. They have failed to do so in a timely fashion. They have put me in collections when I have made EVERY EFFORT to ratify an agreement. CreditNinja has no right to put me in collections when an agreed upon solution has not been entered into.
This is predatory, dishonest lending.
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| 12/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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On XX/XX/XXXX I took out a loan for {$2000.00} with the company CreditNinja. I had been a customer for several months prior and my payment history was impeccable. Therefore, when I paid a loan off they would email me and instantly approve me for another loan. At the time of this loan contract I had moved into the state of XXXX I was a prior resident of XXXX XXXX. Unbeknownst to me Credit Ninja is not licensed to conduct business in Indiana. I was never asked to confirm any of my personal information and this company still has my old address in XXXX. In XX/XX/XXXX, I lost my job and for an entire year tried to keep up with this loan and paid a total of about {$4200.00}, with the last payment of {$75.00} paid on XX/XX/XXXX. When I could not keep up with the payments any longer, I advised them I could not continue to pay and they turned me over to a collection agency in XX/XX/XXXX, to a company called XXXX XXXX ( XXXX ) based in XXXX, NV. I tried to work with this company for a least 6 months and told them I would like to try to settle for less than the balance in full and they refused me every time. The most recent refusal was today, I spoke with a manager named " XXXX '' on XX/XX/XXXX, he told me that they would settle for 50 % of {$5100.00}, which is {$2500.00}. I offered {$1000.00} to settle, which is all I can pay and that would put me in a bind, it was refused. As of XXXX, I have a collection which has been reported on my XXXX credit report from Credit ninja as the original lender and the agency is named as a XXXX XXXX XXXX XXXX, based in XXXX NV, which XXXX XXXX has advised me that they work in conjunction with, as XXXX is the client of XXXX XXXX
I would like this negative mark removed from my credit report, which was put there by XXXX XXXX XXXX ( as stated by " XXXX '' the rep at XXXX XXXX ). I also want CreditNinja investigated for allowing me to lend with them as I was not in the state of XXXX when the loan was taken out and I have an XXXX ID ( attached ) issued in XXXX, as well as employment records to prove it because I was drawing unemployment in XXXX due to job loss during the time I was paying on this loan, The credit agency says that I still owe a total of {$5100.00} which is listed on my credit report, I can not afford to pay that amount, as I am a single parent supporting XXXX daughters. I would like this balance cancelled and removed from my credit report.
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| 05/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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On Friday XX/XX/XXXX I was notified by my bank, XXXX XXXX, that my account had been compromised by an overseas individual or individuals. XXXX XXXX, thankfully, put a hard restriction on withdrawals from my account. I immediately notified Credit Ninja and spoke to a representative. They informed me that they would not know if the restriction kicked their auto draft payment out. This morning, XX/XX/XXXX I received an email that the payment in fact did not get made. ( I left enough in the account to cover any unprocessed payments ). I immediately used the link provided by Credit Ninja in their email to pay the amount due, plus fees accessed. I was then pressed for my debit card information for this week 's XX/XX/XXXX payment, so I used the link to pay the amount due on XX/XX/XXXX. I'm then pressed more to give them my debit card information, to which I declined, stating that I will make my payment on XX/XX/XXXX ( I paid XXXX and XX/XX/XXXX ) online as I did this morning. They are now claiming that the second payment I made today went towards principle since it wasn't done on XX/XX/XXXX and I'll have to make an additional payment on XX/XX/XXXX. I provided back to them their email stating that they had received both payments and that my next due date was XX/XX/XXXX.
I've already had my bank account compromised. I've already paid with fees the payment XXXX even though I'm a victim of fraud and paid my next payment so I can get my XXXX account re-established ( less the fraudulent access from overseas ) and they are threatening me with collections. This is unacceptable and abusive to say the least.
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| 09/02/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Account name : XXXX XXXX XXXX Account number : XXXX Account type : Debt Buyer Responsibility : Individual Date opened : XX/XX/2022 Status : Collection account. {$2.00}, XXXX past due as of XX/XX/2022. The information is inaccurate. XXXX XXXX is unable to produce authentic proof for loan obained by me. Yet they are not correcting the issue. Nor is XXXX who has negatively impacted my credit report fixing it. Fact is, I have not taken any loan from this creditor or original creditor who sold the debt to XXXX. They both are pointing fingers to each other for the responsibility, but I am being hurt by them illegally and due to no fault of mine. Both parties ( Credit Ninja and XXXX ) are acting irresponsibly hurting my credit score and credibility for no involvement of mine, I am not a party to this debt. I never heard or had any bank or financial transactions for this reported account at any of my banks or institutions. Nor did I ever applied or received the debt. Both these companies have or made no effort to collect this debt from me. I challenged it to both of them so many times. Neither are they providing proof, nor collecting. Straight reported to credit beureo. If it is genuine debt, why are they not contacting me? XXXX is victimizing me. As a result, my applications for Credit card are being denied due to XXXX 's illegal reporting of debt on my account. I would like to amicably resolve this and get off my credit reports from 3 beureus. Otherwise I will have to exercise my right to sue XXXX and Credit Ninja at a court near to me.
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| 03/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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Credit Ninja 's website fraudulently claims that it is not a payday loan company and has extensive descriptions about how its " Installment Loans '' are better and lower interest than payday loan companies. It falsely advertises its loans as " Installment Loans '' which typically have interest that can be reduced, if paid back early. There is no description on its website that states what I was told after I signed a loan, and spoke to a representative over the phone. The company is in fact a predatory lender and should not be allowed to falsely advertise itself as an alternative to a payday loan company. I was told over the phone, that this company is a CAB company and it does not fund the loans. It only collects a CAB fee. The fee they added to my {$1000.00} loan is {$15000.00}, which is 250 %. The representative I spoke to over the phone, right away pointed me to language in the loan agreement about the CAB fee not being interest ( which is the only place it appears ) which means two things : first, they get this complaint all the time, and secondly, they know their advertising and website to be misleading. I asked if I paid the loan back early, could I reduce the amount owed, and I was told there is no way to reduce the CAB fee. I was told they only thing I could do is default and try to settle for less than I owed and it would be reported to the credit bureaus. This lender is unscrupulously taking advantage of consumers with false advertising and unwilling to take a fair settlement without damaging consumers credit.
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| 08/19/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Last year in 2021, I received a call from CREDIT NINJA saying I owed over {$2000.00} to them for a loan taken out. I had never heard of this company at the time and the address and email they had for me were from about 8 years ago and we came to the conclusion someone stole my identity and took out the loan. Credit Ninja had me go through a process that took me months getting a police report, and filing out affidavits to get this taken care of because I never got this loan out. I did EVERYTHING they asked of me and then a month or two ago in 2022 that same exact loan shows up on my credit report. I immediately called Credit Ninja when I got the notification and asked them for it to be removed since I already went through the process with them of proving I got my identity stolen. The lady then confirmed what I had said to her on the phone and said they had all the police report and everything on file and all I would need to do is dispute it on my end and they would take it off. BUT I disputed it and they never took it off in fact they said the debt is valid even though they have proof from over a year ago my identity got stolen and I never got this loan.
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| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given authorization and/or permission to access my credit profile. Furthermore, you have no permissible purpose by law to contact third parties with my private or personal information. Said violation ( s ) amounts to Aggravated Identity Theft pursuant to Title 18 USC Section 1028A, as you have knowingly transferred, possessed, and/or used, without lawful authority, a means of identifying me, which is a felony punishable by law up to two ( 2 ) years imprisonment, in addition to civil liability.
By obtaining my XXXX Consumer Credit Report on XX/XX/XXXXXXXX and XX/XX/XXXX, respectively, without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ), codified at Title 15 USC Section 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXXXXXX XXXX XXXX. Furthermore, I do not have an account, as defined under Title 15 USC Section 1693a ( 2 ) with XXXX of XXXX for review or collection.
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| 05/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Was approved for a loan, but didn't receive the money
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Web |
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On XXXX XXXX I applied for a loan of {$500.00} which I was supposedly approved of, I never received funds and have continually contacted the company on multiple occasions. Every time I contacted the company they continued to tell me they couldnt find the account or loan Id that I was given in the signed contracts and online account/app..I have dates in which I am owed the return payments and they have yet to give me clear and precise reasoning, theyve told me the account I have is not activewhich I have a login, payment schedule, and account info and IDs for there account. Ive talked to multiple management and representatives and nobody ever calls back or fixes the issue. They tell me my account cant be found and are trying to have me run my credit again a re apply without cancelling or sending any documents stating my current account void or non active..I still havent received funds and I have tried every way to get in contact which seems to be fraud or fake. Please help me get this off my credit and close this company which has made my life very hard with all the stress and fraud!
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| 02/17/2021 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
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- Problem with the payoff process at the end of the loan
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Web |
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CreditNinja is an appropriate title for this company being that they will sneak their way into your wallet and ninja your money right out from under you. I took a {$300.00} loan at a {$75.00} premium and it was deposited into my account on Tuesday, XX/XX/XXXX. Not only did I think I agreed to a 3 month term, they disguised it ( sneaky as ninjas are and all ) and it is really a payday loan and due in full on XX/XX/XXXX. I attempted to call today, XX/XX/XXXX and pay down {$100.00}. They will not take any payments, only an extension of the loan by paying down the premium on top of which they will charge you another. HOW US THIS NOT REGULATED. How can a lender not accept an attempt by a debtor to pay them back, AND AHEAD OF SCHEDULE. This is fraudulent. Period. Thank you " official '' regulatory body for failing the US people as I sit in XXXX degree weather in XXXX Texas with no power because our " officials '' failed us there too. Good job, greed from every direction from the top down.
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| 05/08/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Can't contact lender or servicer
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Web |
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In XX/XX/XXXX, I foolishly took out a loan with CreditNinja. This is a payday loan yet CreditNinja did not align my paydays. I requested that they line by payment dates up with my paydays as they were supposed to do when the loan was issued. I was told I had to make one payment and then that action would be done. I made the one payment and then received an email telling me to sign new documents to set my payment dates up to be in accordance with my paydays. I did that yesterday. The documents clearly showed that I made the one payment already and my SECOND payment will be due XX/XX/XXXX. As soon as I submitted the documents, CreditNinja began harrassing me for a missed payment. I have explained repeatedly that I signed the new documents and do not have a payment due until XX/XX/XXXX. I want my account marked CURRENT/UP TO DATE/IN COMPLIANCE/IN GOOD STANDING with my next payment due XX/XX/XXXX. I can no longer access any of my documents via the CreditNinja account system online.
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| 07/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Can't contact lender or servicer
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Web |
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I tried to do business with Credit Ninja in attempt to receive a consumer credit transaction. Credit ninja denied me services. I then proceeded to email Credit Ninja and inform them that I am in fact the natural born consumer, and I wanted their financial facility to assist me in extending me a line of my personal consumer credit. I explained that pursuant to 15 USC 13, they were not to discriminate between consumers. Also pursuant to 15 USC 13 ( e ) they have to offer like services to purchasers on equal terms. Credit Ninja used my personal information without my prior consent, which is a violation of my privacy, in order to discriminate against me. I demand that I am treated as any other natural living consumer who has rights that protect them under federal law. Credit Ninja is in fact a dead entity that doesnt have the power to credit anyone. They can just act as creditors by extending consumers credit from the source, which is the consumer.
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| 10/17/2018 |
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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XXXX client, XXXX XXXX is a victim of identity theft. He reviewed a consumer credit report and found several inquires related to cash advance loans were made into his credit reports without his consent. While no loans related to the applications were established, the process did leave inquiries on his credit reports. Official disputes were mailed to the various offices where the inquiries were made however as of this date, those offices have failed to make contact or give an update as to the status of the investigation or the removal of the inquiry information. Those offices are, XXXX XXXX XXXX, notified of the fraudulent inquiry made in to a XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), Credit Ninja, notified of a fraudulent inquiry into a XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), XXXX XXXX, notified of fraudulent inquiry into XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ).
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| 01/30/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
Older American, Servicemember |
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Loan request processing blind. They do not give fees, terms of payback, or interest rates, what consumers need to know. Only forced to sign the page to the next information review which is their policy and their term and conditions. After they got the customer 's request they approved and closed out without showing or reviews and fund transfer to the consumer bank. After the fund transfer to the consumer account than showed a long period of payment terms and a large amount of monthly payment. I called Creditninja and no answer due to the closed business hours try day indicated that the weekend was closed. Funds are supposed to be deposited on XX/XX/2024 but fund deposits on the same day apply to XX/XX/2024. Eventually, XX/XX/2024 re-deposit fund and XX/XX/2024 withdraw the fund. Later on XX/XX/2024, they charged {$30.00} unknown fee with a drawer from my bank. They cheat consumers. They shouldn't be doing business.
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| 05/03/2023 |
Yes |
- Debt collection
- Payday loan debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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today, Wednesday XX/XX/2023 at XXXX XXXX my son XXXX XXXX received several phone calls from XXXX. He eventually called them back and they identified themselves as XXXX XXXX and they told my son they were looking for me as they were trying to collect on a loan from CreditNinja and they were getting ready to take me ( his mom ) to court and they would garnish my wages. They then verified my mailing address with my son and told them he needed to have me call them immediately before they call my employer and garnish my wages.
I receive several phone calls from this number several times a day leaving harrassing messages.
At XXXX XXXX my former employer received a call from this number and left a message that they have an important legal matter that directly concerns XXXX XXXX and they needed to have me return their call asap.
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| 04/13/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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On XX/XX/2021 I received a phone call from my brother stating, that XXXX calling from number XXXX, had called and was trying to find me. He said XXXX also stated that I owed a lot of debt and that I needed to be reached. He stated that XXXX got his number after he ran a background check on me. I also received a call from my mother stating the same thing. XXXX then called me a left me a voicemail that stated " this is the last attempt to contact you. After today, I will run a background check and look at your assets. '' I never gave my brothers or my mothers name on any application I submit. When I spoke to XXXX after I called him back, he stated that he already ran a background check and could tell me any asset I had. when I told him not to call back without written proof of the debt, he said he could call me at any time.
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| 01/08/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I agreed to a settlemnt in XX/XX/XXXX with this company, they automatically debit my bank every two weeks, the settlemt is to complete XX/XX/XXXX, now they are trying to say i defaulted but they have never called me or sent me a letter, and they have contunued to defuct money from my account, i found out by a threatening email to sell my account, i have called to talk to manager XXXX XXXX and left numerous messages but she will not return my calls the only time i missed a payment was in XXXX when i had covid and i called them and the rep never mentioned on the phone that my settlemt would no longer be honored, they are still continuing to auto debit my account according to the settlement, if the settlement was not honored they should have stopped debiting my account but they continued XXXX still continue to this day
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| 07/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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In XX/XX/2023, I was looking for a loan and found credit ninja online. I read some of the information and went through the verification process. I am currently working XXXX so the internet was not that great. I went through the prompts of verification with my bank. I clicked the prompts and it kept refreshing and assumed it didnt go through. Then the next day funds were deposited. I couldnt return them and they have been withdrawn if money from my account. I want a payoff but they want to charges me XXXX extra on a XXXX loan where I have already paid {$600.00}. I am about to close my bank account to them. I attempted to reach the company to cancel the loan and received no response and tried calling the number on the website.
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| 04/12/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I received a call from structure settlement on XX/XX/2021. While talking to the represented he informed me that creditninja had hired them to collect this debut. During the call I was asked what I was able to pay and when formed what I could do, I was told that was not good enough. He stated that creditninja would agree with that offer. He became belligerent when I stood my ground. After that, he threaten legal action if I did not agree to his terms. I then informed him that I would contact creditninja directly and discuss as settlement. I direct called creditninja after hanging up with him. Creditninja informed me that they no longer own the debut and it was sold to structure settlement.
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| 03/17/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Received a loan you didn't apply for
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Web |
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I was looking through online loans. I saw credit ninja and went to their website and was directed to enter my information thinking it would allow me to review all The information. When I pressed the submit button, it automatically went into processing and I immediately sent 3 emails to them stating that I do not want the loan and did not realize it was going to processing and to be funded. The funds are in my account and I do not want this loan at all. The interest rates are astronomically high very much like a predatory lender. I will send the funds back immediately and do not want to be charged interest, period.
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| 06/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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Company says " You agree to pay us a monthly handling fee in an amount equal to 24.17 % of the outstanding principal balance of your loan per month, or any portion of a month. This monthly handling fee shall not be deemed to be interest for any purpose of law. '' but at the same time has the following contradictory term that I have evidenced in a screenshot. These terms are contradictory and the company is admitting that the fees charged ARE IN FACT INTEREST. I will be disputing the inquiry on my credit report as this is a fraudulent lender if this fraudulent lender inquiry is not immediately removed.
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| 05/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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I took out a high interest loan due to financial crisis. After working with a XXXX XXXX, he advised me to investigate whether this loan is in fact legal? Due to the fact that the interest rate was a 199 % and the online " lender '' is out of state.
Online loans are illegal in MN and lenders need an NMLS # to do business in MN. To my knowledge, they don't have an NMLS #. Questioning whether they need an NMLS or if they're " covered '' under the FDIC Bank they're partnering with?
I have since transferred this loan to another lender at 0 % interest. Do I have any recourse at thi point???
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| 09/11/2021 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX a company called XXXX XXXX XXXX emailed me regarding an account and it's balance. They stated they were going to report me to the credit bureaus if I didn't buy them. I replied back immediately letting them know that I send money every month on the XXXX of the month to the original company and the checks are being cashed and not return which means someone is keeping the money. I asked the XXXX company to apply the money to there records and ensure it reflecting the correct amount. They instead sent another email stating the same thing on XX/XX/XXXX.
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| 04/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Received a loan you didn't apply for
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Web |
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Received collection notice on XX/XX/XXXX for a {$300.00} loan originating from KMD Partners LLC XXXX CreditNinja XX/XX/XXXX with a due date of XX/XX/XXXX. My identity must have been stolen to obtain this loan, since I personally had never applied for the loan or received any of the proceeds. Also, the collection notice was the first time that I was contacted or became aware of this issue.
I contacted the collection agency, current creditor ( XXXX XXXX, XXXX, and KMD Partners regarding the issue and it appears that the issue is still unresolved.
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| 06/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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They sent me a papermail letter with a fake credit card, telling me I was preapproved for a {$2500.00} loans. After going through the online paperwork, they ran my credit score, which put a hard inquiry on my report. My score has dropped as a result.
Then they gave me the terms of the loan. It was a monthly payment of {$430.00} for 18 months! That is more than 3x the amount of the loan itself! This is a predatory lending company that should be put out of business.
I want their inquiry removed from my credit score.
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| 11/15/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Other advances of future income
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Web |
Servicemember |
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I am a spouse of a XXXX XXXX member. I got the loan XX/XX/. I am paying it for {$220.00} bi weekly until XXXX XXXX. I owe {$1200.00} and with the interest rate it became {$2600.00}. I am not aware of the contract regarding their cab fee which is double the loan I owe. And then I read about the MLA program for military members. We are facing financial crisis at this moment and hoping we can get our benefits as a spouse/XXXX XXXX. Thank you.
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| 01/05/2024 |
No |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes
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| 10/20/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
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- Struggling to pay your loan
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Web |
Servicemember |
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They approved without validation of income or proof of repayment. They never verified my income source. Im self-employed, and my business income was consistently going down. I had multiple overdraft fees in both my business and personal accounts. My credit card usage increased, and my credit score decreased drastically over the past year. I was desperate for income due to medical bills, and this is, by definition, predatory lending.
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| 12/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Can't stop withdrawals from your bank account
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Web |
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[ XXXX2020 ] RE : Revocation of authorization for debits To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company. My account number with your company is XXXX. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : X- This revocation applies to any and all future debits. Sincerely, XXXX XXXX XXXX
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| 01/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XXXX XXXX someone took out a fraudulent loan in my name using my information. {$1000.00} was sent to a bank account at XXXX XXXX, which is not my account. The time has passed and Credit Ninja was trying to collect the amount. They sent it to a credit collection company and it showed up on my credit report last month as a collection.
The amount to repay is {$2500.00} and that is what is on my credit report.
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| 10/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
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They are charging me a very high interest rate rate. I am the sole income in my family I called to try Lower the rate because I am having problems but instead the delayed one payment doubled up on the next plus charged me additional fee and interest which caused me more issue and not me more into debt plus the interest rate they are charging me is a predatory rate whos is illegal
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| 09/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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I entered into a payment agreement with company after I filed a previous dispute for its lack of transparency and fraud in how it handled my account. Despite my upholding all parts of my agreement, the company is reporting my account in a negative manner. My account is current per the agreement entered into and always has been. This negative reporting must be removed.
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| 08/26/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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I received a XXXX file report and do not recongize this company .... it makes sense now because around that time, I was receiving emails from Credit Ninja saying more informaton is needed to process the loan, but i never started any loan process with any company recently.
Time - XX/XX/19 Merchant Name - Credit Ninja XXXX Response - Account Opening Inquiry
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| 01/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I've called they are very rude with me. I want to pay it off but I can't afford XXXX. 200 % interest. I didn't know this it was online. The document were fine print. Know one explained to about the interest rate. No one can afford that. I been paying on it around XXXX. They are crooks taking advantage of people want to repair their credit that's so wrong.
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| 03/31/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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On XX/XX/2021, I revoked my ACH authorization and was told via email and phone that the ACH authorization had been noted and that my bank account information had been removed. Today, XX/XX/2021, a payment was deducted from my bank account. This payment was not authorized by me. I have contacted the company to reverse the payment but with no response.
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| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information is incorrect
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Web |
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Credit ninja is reporting seven inquiries on my check systems report and those should not be on there. I do not have an account or did I open an account with you guys? These inquiries are preventing me from opening up a checking account and this is having a negative impact on my life I want these removed immediately.
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| 12/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I received my credit report and found an inquiry on my XXXX report. The company that inquired was XXXX XXXX on behalf of Credit Ninja. I have never heard of Credit Ninja or ever applied for credit with them or any company they are associated with.
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| 09/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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For a {$1000.00} payday loan they added a one time loan fee of {$1400.00} If I want to pay loan in full I have to pay the fee They will not accept the principle in full without the added fee which is more than the loan
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| 03/15/2021 |
No |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I received a letter from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ) stated I owed over {$400.00} with creditor CREDITNINJA. I never opened an account with CREDITNINJA or apply for a loan.
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| 10/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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I was under impression that XXXX loan would be repaid at XXXX and now it says payoff today XXXX and apr of 430 % how is this legal and dont give you the lender or third party of who loaned the amount
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| 03/16/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Older American |
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Company in question ( Credit Ninja ) is claiming I have a debt with them for a loan that I did not request nor receive ( sometime in 2020 ). I assume this is as a result of identity theft
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| 03/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
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Loan is {$60.00} a week for 18 months, and the documents would not load right on the browser to show me what the agreement was.
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| 03/07/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX sent an unsolicited debt recovery notice from Credit Ninja. Have never sought credit from Credit Ninja.
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| 06/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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Interst rates so high can not seem to pay down the loan and it is Interfering with financial stability.
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| 11/04/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Was approved for a loan, but didn't receive the money
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Web |
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I was approved then blocked and denied after collecting information and being approved
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| 04/28/2023 |
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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I got a notification that I open a loan with a company and it was not me.
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| 10/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Received a loan you didn't apply for
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Web |
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This is not my debit and I have let the company know that.
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| 01/23/2024 |
Yes |
- Debt collection
- Payday loan 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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| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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| 01/17/2024 |
Yes |
- Credit reporting 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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| 11/21/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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| 10/23/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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| 10/17/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Problem when making payments
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Web |
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| 10/09/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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| 09/29/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
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- Charged fees or interest you didn't expect
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Phone |
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| 09/29/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Problem when making payments
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Web |
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| 09/10/2023 |
No |
- Credit reporting 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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| 07/17/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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|
Web |
Servicemember |
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| 06/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Received a loan you didn't apply for
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Web |
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| 04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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| 03/15/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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| 01/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
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Phone |
Older American |
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| 09/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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| 09/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Struggling to pay your loan
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Web |
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| 03/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
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|
Web |
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| 01/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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| 07/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Phone |
Older American |
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| 04/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
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Web |
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| 04/09/2021 |
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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Referral |
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| 04/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
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|
Web |
Servicemember |
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| 03/10/2021 |
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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Phone |
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| 03/02/2021 |
No |
- Debt collection
- Payday loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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| 02/18/2021 |
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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| 05/23/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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| 06/20/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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| 10/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
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