Credito Real USA Finance, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	IL 60563	Web
Dear Sir/Maam : I am submitting a complaint with your department as a last resort. I have tried to work with XXXX, Credito Real Finance USA FKA AFS Acceptance LLC and XXXX for over a year to try to fix errors on my reports with minimal success. During the last year I have been forced to pay higher interest rates, higher insurance rates, been denied for credit cards and could not apply for a mortgage that I would have otherwise qualified to secure. They have ignored my request to provide me with the documents that their company has on file that was used to verify information on my account with Credito Real Finance USA FKA AFS Acceptance LLC Account #. They failed to provide me with payment status, dates and a contact person at Credito Real Finance USA FKA AFS Acceptance LLC. Both bureaus are reporting this account differently and we all know that's not possible. It has been over 30 days since I have requested a letter of verification from XXXX and still have not received the information, I requested on XX/XX/XXXX. By not verifying the information as accurate and providing a method of verification that I requested, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA they are required to promptly delete that item of information from the file of the consumer. I have disputed the inaccurate and unverified information listed on this account multiple times with XXXX and XXXX with no success. Please help resolve this problem as soon as possible. Upon investigating my three credit reports, I was saddened to see that there were numerous errors on all three of my reports. I decided to file disputes with all three credit bureaus using what I thought was the right way of disputing errors on a credit file. I submitted numerous disputes online with all coming back as Verified as Reported and some with more incriminating updates added to my files. I have learned through trial and error that when you dispute inaccurate information on a credit file online you give up certain rights. You do not have important dates documented and most importantly you lose the right of the credit reporting agency having to show the method of verification. Shame on me, for not completely understanding the process and thinking the credit reporting agencies really care if the information is accurate, they just want to push the disputes/verifications through as quickly as possible. Disputes # 1 - XX/XX/XXXX, Dispute # 2 - XX/XX/XXXX and Dispute # 3 - XX/XX/XXXX were conducted online so if further verification is needed, I am sure XXXX can fill in the details. XX/XX/XXXX I Called Credito Real USA Finance FKA AFS Acceptance LLC at XXXX XXXX ) XXXX as instructed to do on my results dated XX/XX/XXXX ( Exhibit I ) and disputed the same account on XXXX credit report online. I called Credito in XX/XX/XXXX and talked to a person named XXXX to inquire about the charge off, the late payments and the delinquency date listed on my XXXX and XXXX credit reports. I also asked about title to my XXXX XXXX XXXX that was now paid off through my repayment plan. I tried to explain that the information they were providing to XXXX and XXXX was incorrect and they should remove the inaccurate information. I was transferred to the collection department and the operator told me the payments were late and they were not taking them off my credit reports. The operator told me to dispute these inaccuracies with the credit bureaus. I asked about the title to my car and I was told that it was sent to XXXX XXXX XXXX and that they did not have the title to my car anymore. Dispute # 4 sent certified letter XX/XX/XXXX and I received the results dated XX/XX/XXXX. " Verified as reported correctly ''. Dispute # 5 sent certified letter Requesting Methods of Verification based off the result from Dispute # 4. Sent letter XX/XX/XXXX signed for on XX/XX/XXXX. I sent another letter to XXXX, Certified Mail Return receipt on XX/XX/XXXX ( Exhibit N ), I included a copy of the letter I sent dated 1/23/21 and all supporting documentation I previously sent to them. I requested a Method of Verification Letter for my dispute of the inaccurate information Credito Real Finance USA FKA AFS Acceptance LLC has been listing on my credit files. I am absolutely, certain that Credito Real Finance USA FKA AFS Acceptance LLC Account #, I disputed, is incorrect and should be immediately removed from my XXXX and XXXX credit files. I exercised my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I asked for a complete list of all documents and correspondences with Credito Real Finance USA FKA AFS Acceptance LLC used to verify Account #. I asked for a list of all names and contact information of employees spoken with at Credito Real Finance USA FKA AFS Acceptance LLC as part of this investigation. I explained to XXXX that I am asking for this verification because my credit score is important to me and I believe it is being unjustly degraded as a result of this account being reported incorrectly on my credit files. I requested that they not send me a template letter in response to my request for the methods used to verify this account. I explained that I expected to receive a response within 15 days of receipt of the letter, as stated in Section 611 ( a ) ( 7 ) or I expected Credito Real Finance USA FKA AFS Acceptance LLC Account # to be permanently expunged from my record. XXXX signed for the Certified Mail Return receipt letter I sent requesting Method of verification on XXXX. 15 days -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -No response Results dated -- - XX/XX/XXXX -- -- -- -- -- -- No method of Verification attached 30 days -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -No response XXXX Results Dated XX/XX/XXXX Received XX/XX/XXXX XXXX Confirmation # XXXX ( Exhibit O and P ). The result came back as We have verified that the item has been reported correctly. Nothing changed compared to the results fromXXXX except the address of AFS Acceptance LLC changed to XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX FL XXXX. The reason that I have included this is because I sent out another letter to Credito Real Finance USA FKA AFS Acceptance LLC at XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX, the Address that was listed on my results dated XX/XX/XXXX ( Exhibit L ). The letter was returned back to me with wrong Address written on the envelop and a sticker from the US Postal Service stating, Return to Sender, No such Number, Unable to Forward ( Exhibit Q ). The FCRA Section 623 prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. Credito Real Finance USA FKA AFS Acceptance LLC was knowingly furnishing inaccurate information since at least XX/XX/XXXX ( Exhibit H ). I am submitting a complaint with your department as a last resort. I have tried to work with XXXX, Credito Real Finance USA FKA AFS Acceptance LLC and XXXX for over a year to try to fix errors on my reports with nearly no success. Please help me resolve this issue. I have been disputing Credito Real Finance USA FKA AFS Acceptance LLC Account # online, on the phone and by certified mail for over a year now. Both XXXX and Credito Real Finance USA FKA AFS Acceptance LLC have been violating the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623 on numerous occasions throughout the past year. I have had to endure re-aging of my account by both XXXX and Credito Real Finance USA FKA AFS Acceptance LLC. The actual date of delinquency should be listed as XX/XX/XXXX which would make this account over 7 years old and should have been removed from my credit reports in XXXX, when I began disputing this account. I have had to endure a charge off appearing on my reports years after the account was being paid as outlined in my Wage Earners Payment plan. I have had to endure blatant disregard for the laws outlined in the FCRA and enforced by the CFPB. I have had to endure the embarrassment associated with being denied credit, ( credit cards, auto loans, personal loans, and even a mortgage ). I have had to endure higher interest rates, higher insurance rates and higher health insurance premiums. I have had to endure spending money on Certified letters only to have them returned to me because incorrect addresses are being reported on my credit reports. I have had to endure losing over {$55000.00} dollar in equity by not being able to secure financing for a house selling well below market value at XXXX. I must endure renewing my lease, that expires in XX/XX/XXXX, for another year, at a {$300.00} per month increase each month ( 25 % increase during our current Pandemic ). I must endure the sleepless nights, that have become a problem for me, since I have received the photo copied results without the Methods of Verification. I must endure the look in my daughters eye when I tell her that I can not help her with her homework because I must do the job of the CRAs and Furnishers of information to CRAs because they consciously violate the laws governing the Fair Credit Reporting Act. PLEASE help me get this derogatory, costly and very damaging account permanently removed from my XXXX and XXXX credit files. Thank You P.S. I have been experiencing almost the same responses when I disputed this account through XXXX
10/27/2022	Yes	Vehicle loan or lease Loan	Improper use of your report Received unsolicited financial product or insurance offers after opting out	IL 60406	Web
I financed a car from XXXX XXXX XXXX on XXXX XXXX XXXX on XX/XX/XXXX. They coached me to say the right answers to Credithos applicant questions and I never got a test drive of the vehicle. Also, I traded in a fully functioning XXXX XXXX XXXX with {$3000.00} cash for the down payment purchase of the XXXX XXXX XXXX. From the first day that I purchased the vehicle I had three problems with the vehicle that I notified XXXX XXXX XXXX about, and those problems were # 1, there were 2 bad struts on the car causing the wheels to wobble and drag diagonally as I drive forward, # 2, the wheel alignment was way off. The steering wheel was turned almost fully sideways while riding in a forward motion. # 3, I was missing the right rear turning signal and right rear reverse light. XXXX XXXX XXXX did not fix the lights until my first monthly payment was approaching and the other problems that were apparent the next day after I purchased the vehicle were not fixed. On XX/XX/XXXX, I made my first monthly payment on the vehicle to Creditho on XX/XX/XXXX. I took the car to get an oil change on XX/XX/XXXX, at XXXXXXXX XXXX on XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. When I left the oil shop, I was headed to work and the engine went out on me on the e-way, but it was still able to ride only at a top speed of XXXX XXXX I immediately notified XXXX XXXX XXXX about the current circumstances of the vehicle, and I was told to take the vehicle to their partnering auto repair shop on XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX The mechanic that I spoke with told me that it would take up to 3 weeks before the car would be repaired. I returned 6 days later on XX/XX/XXXX, to check the progress and they hadnt even touched my vehicle at all neither had they ordered any parts for the vehicle at all. I then asked the manager that was sitting at the front desk for an invoice receipt for my car being in their shop and he refused to give me one as requested and told me that I have to get the receipt from the manager of XXXX XXXX XXXX named XXXX, so I took my vehicle back from them and rode it to XXXX XXXX on XXXX XXXX XXXX XXXX with the hazard lights on. I left the car with the XXXX XXXX XXXX on XX/XX/XXXX. I returned to XXXX XXXX on XX/XX/XXXX, to pick up my vehicle and they notified me that they were not going to cover my vehicles repairs under factory warranty because of pre-existing conditions. I was also advised by the manager of the XXXX XXXX XXXX Department named XXXX to take the vehicle back to the dealership that I purchased it from and have them fix the vehicle under their dealership warranty and that XXXX XXXX XXXX sold me a lemon. I then rode the car back to my place of residence with the hazard lights on. When I got home, I turned the car off and went inside my home to proceed in calling XXXX XXXX XXXX and let them know the status of the vehicle and the current situation at hand concerning the vehicle. I was told to bring the vehicle back to XXXX XXXX XXXX to work things out. The next morning, I got in the vehicle to take it to XXXX XXXX XXXX and the car would not start at all. I called XXXX XXXX XXXX to notify them that the vehicle would not start, and I would need them to tow the vehicle to their lot to repair it because of this and I was told that the manager XXXX would send a tow to me. A tow was never sent a month later. I have been in contact with XXXX XXXX XXXX at least 15 times since this conversation about the tow and I have even recorded them on the phone and in person promising to handle a situation that they havent done anything about up to this point and in fact they have deliberately gave me the run around and ignored my calls as well. I need something to be done immediately. In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
10/27/2022	Yes	Vehicle loan or lease Loan	Improper use of your report Received unsolicited financial product or insurance offers after opting out	IL 60406	Web
I financed a car from XXXX XXXX XXXX on XXXX XXXX XXXX on XX/XX/XXXX. They coached me to say the right answers to Credithos applicant questions and I never got a test drive of the vehicle. Also, I traded in a fully functioning XXXX XXXX XXXX with {$3000.00} cash for the down payment purchase of the XXXX XXXX XXXX. From the first day that I purchased the vehicle I had three problems with the vehicle that I notified XXXX XXXX XXXX about, and those problems were # 1, there were 2 bad struts on the car causing the wheels to wobble and drag diagonally as I drive forward, # 2, the wheel alignment was way off. The steering wheel was turned almost fully sideways while riding in a forward motion. # 3, I was missing the right rear turning signal and right rear reverse light. XXXX XXXX XXXX did not fix the lights until my first monthly payment was approaching and the other problems that were apparent the next day after I purchased the vehicle were not fixed. On XX/XX/XXXX, I made my first monthly payment on the vehicle to Creditho on XX/XX/XXXX. I took the car to get an oil change on XX/XX/XXXX, at XXXXXXXX XXXX on XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. When I left the oil shop, I was headed to work and the engine went out on me on the e-way, but it was still able to ride only at a top speed of XXXX XXXX. I immediately notified XXXX XXXX XXXX about the current circumstances of the vehicle, and I was told to take the vehicle to their partnering auto repair shop on XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX The mechanic that I spoke with told me that it would take up to 3 weeks before the car would be repaired. I returned 6 days later on XX/XX/XXXX, to check the progress and they hadnt even touched my vehicle at all neither had they ordered any parts for the vehicle at all. I then asked the manager that was sitting at the front desk for an invoice receipt for my car being in their shop and he refused to give me one as requested and told me that I have to get the receipt from the manager of XXXX XXXX XXXX named XXXX, so I took my vehicle back from them and rode it to XXXX XXXX on XXXX XXXX XXXX XXXX with the hazard lights on. I left the car with the XXXX XXXX XXXX on XX/XX/XXXX. I returned to XXXX XXXX on XX/XX/XXXX, to pick up my vehicle and they notified me that they were not going to cover my vehicles repairs under factory warranty because of pre-existing conditions. I was also advised by the manager of the XXXX XXXX XXXX Department named XXXX to take the vehicle back to the dealership that I purchased it from and have them fix the vehicle under their dealership warranty and that XXXX XXXX XXXX sold me a lemon. I then rode the car back to my place of residence with the hazard lights on. When I got home, I turned the car off and went inside my home to proceed in calling XXXX XXXX XXXX and let them know the status of the vehicle and the current situation at hand concerning the vehicle. I was told to bring the vehicle back to XXXX XXXX XXXX to work things out. The next morning, I got in the vehicle to take it to XXXX XXXX XXXX and the car would not start at all. I called XXXX XXXX XXXX to notify them that the vehicle would not start, and I would need them to tow the vehicle to their lot to repair it because of this and I was told that the manager XXXX would send a tow to me. A tow was never sent a month later. I have been in contact with XXXX XXXX XXXX at least 15 times since this conversation about the tow and I have even recorded them on the phone and in person promising to handle a situation that they havent done anything about up to this point and in fact they have deliberately gave me the run around and ignored my calls as well. I need something to be done immediately. In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
05/10/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 76001	Web
I have an auto loan with AFS Acceptance and I am seriously concerned about the collections practices of the company and the treatment of their consumers. I will admit that I have experienced financial hardship for the last year and a half due to XXXX XXXX XXXX that has resulted in a loss and change of employment. I have recovered the vehicle after repossession twice ( XX/XX/XXXX and ( XX/XX/XXXX ), and have advised the company that I am working as diligently as possible to get back on track, although recovering a repossessed vehicle is very expensive and has placed me in more of a financial bind. As of today, I am now 31 dpd for XXXX and 1 dpd for XXXX, with a bal of XXXX. Due to my employers guidelines, I am not able to use my cell phone at work. I have verbally requested on multiple occasions that I would like for my cell number to be removed and that I can correspond via email, regular mail, or on my home phone. It should be documented that I have returned several emails, phone calls, and have advised when I could pay, following the company 's instruction to keep an open line of communication. After verbally requesting that my cell phone number be removed, this company continues contacting me multiple times per day, even after contact has been made with one of their representatives with my intent to pay. Multiple representatives advised me that they would remove my number, and I was even told on one phone call that they had to speak with upper management before my cell number could be removed. I was then advised that I would need to submit a written request for my cell number to be removed from my account. I sent a written request via email on XX/XX/XXXX and was told that my cell number was removed. From that day I have corresponded with the company via email and have returned calls when necessary. Today, XX/XX/XXXX at XXXX XXXX CST, I received a call on my cell from a representative named XXXX XXXX. I answered and simply asked why he was calling a cell number that I have not only verbally requested be removed but I have sent in a written request as advised. Instead of accepting ownership for the mistake, apologizing and disconnecting the call, XXXX began to antagonize me and stated that the account is my account and " whatever happens, happens ''. I calmly advised him that I understand that I am delinquent on my loan payments, but that there are guidelines that must be followed and I must still be treated with respect. I advised that I would be able to call him back to discuss the arrangements that were available. Upon calling back, I was transferred to a representative named XXXX XXXX that I have worked with in the past to recover my vehicle. May I add that when my vehicle was repossessed in the past I was well over 90 dpd with no payments made, and this is not the case. Today, XXXX said that there were no options available although I have advised that I would make another payment this month on XX/XX/XXXX. She states that there are no options available and that they will refer my account for repossession. I am now at a loss, I understand that there are collections practices that must be followed but I am truly trying to work with this company and am not receiving the assistance I need. I will admit that I have expressed my agitation with the harassing phone calls multiple times per day and that I have advised them that I know that there are guidelines that they must follow, I feel that this is why I am not able to get assistance and am now being forwarded for repossession once again.
06/01/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MD 21234	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : CREDITO REAL USA FINANCE LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
09/01/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AZ 85254	Web
On XX/XX/XXXX, I sent a letter to XXXX regarding a collection account listed as " AFS Acceptance. '' I had previously called the number listed, and this company 's name is Credito Real USA. In any case, I told XXXX in my letter, first, that they were reporting inaccurate information on my account concerning the name of the Creditor. I also asked for some validation/verification of this debt as I did not recall ever having an account with Credito Real USA. I emailed and spoke to Credito Real USA as I had also sent them the same letter I sent to XXXX. They responded. XXXX did not. On XX/XX/XXXX, Credito Real USA sent me verification materials, including my account detail. Both Credito Real USA and I sent copies of these materials to XXXX. According to the Creditor, I made my final payment on this account on XX/XX/XXXX. As XXXX XXXX website helpfully explains, the " 7 Year Rule '', which is the time an account can remain on a credit report, begins with the first late payment recorded on the account. According to the documents I have attached, Credito Real USA marked my first late payment on XX/XX/XXXX. They did not report any further payments after the date of XX/XX/XXXX. On XX/XX/XXXX, I sent another letter to XXXX, laying out the exact problems I just defined. On XX/XX/XXXX, I received a letter from XXXX dated XX/XX/XXXX, which states that after conducting their reinvestigation, they changed some details but are keeping the account on my report. Their updated information moves the date of the reporting to XX/XX/XXXX! Does that mean that this account has stayed on my credit report for ten years? I believe that both XXXX and Credito Real are committing fraud by keeping this account on my credit report. I did not major in math, but I can count seven years from XX/XX/XXXX ; the account should have been off of my report by XX/XX/XXXX, nearly a year ago. This is my last attempt to clear up this " misinformation '' without the use of the judicial system. Not only will I find it necessary to sue for actual damages and declaratory relief, but I will also have to pursue a fraud claim against both the Creditor and XXXX. No other Credit Reporting Agency has this account listed. Both XXXX and Credito Real should know better regarding the amount of time a Creditor can report an account on a credit report. This last hope to avoid litigation should be viewed as my " Intent to Sue '' letter, as per the rules of the FCRA. Both companies will also be responsible for my attorney fees. I have been consulting about this matter with a local attorney. I have yet to pay him a retainer as I hope to settle this matter out of court. I will also not hesitate to reach out to local journalists for whom I'm sure this will be a fascinating story, especially now during this pandemic, when many people have lost their jobs and may be delinquent on their accounts. At the very least, it will be an excellent lesson to the public about checking your credit reports often. And, just to make it clear to XXXX who tried to close one of my disputes by claiming that it was a duplicate, I have attached the two CFPB complaints cited in their Response to Dispute to prove this is not a " duplicate '' of any prior reporting, as the name Credito Real USA appears no where in either letter.
12/05/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	IN XXXXX	Web
this complaint is in response to credit real USA previous response on complaint XXXX. 1.They stated that I did not enter into a credit transaction under the truth in lending which is false. They provided proof in the previous response with a contract that clearly says " Truth in Lending Disclosure ''. Which I was never given full Disclosure on how to exercise my right to rescind this transaction which a violation of 15 U.S.C 1635 2.They also stated in previous responses that they are not subjected to the FDCPA which is also false. 15 U.S.C. 1692A ( 6 ) states that a debt collector is ANY person who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. this makes Credito Real a Debt Collector under the Fair Debt Collection Practices Act. So they are obligated to validate this Debt pursuant to 15 U.S.C 1692g. they are REQUIRED to provide these 5 contents upon initial communication. ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 3.Credito Real USA also stated that this was not an credit transaction which is also false when 15 USC 1605 states the determine of a finance charge and it quotes " Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended '' A Finance charge is only commuted when there is consumer credit transaction and under no other circumstanses. 4.Credito Real is an Financial Institution pursuant to 12 USC 1843K and is in Violation of 15 USA 6801 and displaying non public information that I wish to opt out of their system to provide information to the credit reporting agencies to resell my private information Credito Real USA has been using false information the entire time has now proven that they are in violation of Truth in Lending ACT, Credito Real has never provided any statue codes or laws to back up any of their responses and is committing fraud and now these responses will be use as exhibits to proceed in litigation
01/26/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	IN 46410	Web
I received a car loan from AFS corporation on XX/XX/XXXX. I have been paying on loan regularly and on time. The monthly payments were around XXXX dollars a month. I paid almost XXXX dollars into the vehicle until, I lost my job XX/XX/XXXX in which I was with for over five years. I have been reaching out to the finance company in which I thought would be their for me. I was wrong, I tried borrowing the money I could not get any help due to my family members having it hard themselves. XX/XX/XXXX the vehicle was gone it was repossessed. I knew they would come and get it soon, but they took it like a thief in the night. I would have given them the keys, if they would have rung the door bell, because of the non payment. I had items in the vehicle in which the company never returned. I started receiving phone calls from my representation whom was XXXX XXXX then it was given to another individual by the name of XXXX XXXX. I was looking for a job everyday nothing, I even filed for unemployment in which, i received but found out I owed a over payment and that money, I was goingXXXX to receive was being paid towards that amount of XXXX dollars. I loved and worked hard for this vehicle to loss it. So after speaking with XXXX for a while it was then transferred over to XXXX XXXX whom I spoke with on a continuous basis. I even filed a complaint with the XXXX and we can to an agreement of {$3000.00} XXXX XXXX even agreed to it on the phone my boyfriend even heard him say it and after he agreed he hung up after hearing my boyfriend voice on the phone, he thought we were the only ones on the phone, I needed proof form another party. I later received an agreement settlement for {$6000.00} in which I never agreed upon so the XXXX closed the case. The vehicle was later sold at an auction, in which I was never informed of the auction date, time, or location. They never gave me the option of getting the vehicle back. I received a letter stating I owe XXXX dollars? How is that possible when I paid that much into the vehicle, time passed and nothing was said it only showed charge off on my credit report. I started cleaning up my credit report in which I hired a company to do, then I received a letter from XXXX XXXX XXXX a firm in XXXX, XXXX whom is representing AFS in XXXX, XXXX they file a summons against me. I was hurt and disappointed that this company received all this money and now this they are so dishonest. I responded to the summons but it was to the XXXX and XXXX I did not read full document. I was to respond to the court, after speaking with a lawyer, I responded to the court now am waiting on response. I have documentation from XXXX and the company. I may owe something but not XXXX dollars the loan amountt was only XXXX this make me feel humiliated knowing this company is lying against me. I just want to pay the different and move forward and that difference is not XXXX dollars. I need help please
09/16/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	IN XXXXX	Web
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent Credito Real USA Finance written request for debt validation pursuant to 15 U.S.C. 1692g along with a cease and desist through ANY medium Pursuant to 15 U.S.C. 1692c ( c ). They failed to provide the 5 things required upon my written request. They sent back only a contract which is NOT validation. 15 USC 1692 states that Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unles s the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the deb t collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. Credito Real USA failed to provide me any of thes e 5 things. They are also still contacting me through my consumer report and has recently reported a late payment on my report which is damaging and defaming my character. Credito Real is infringing on my right to privacy as I do not wish for them to report any payment history or balance on my report. That is a private matter that I do not want any other person know my private affairs. I recently sent a request for Verification of Debt and they responded with the letter I have attached. they are choosing to not honor my request therefore they should cease any collection Credito Real USA is also in violation of 15 U.S.C 1692c ( c ) as they are still contacting me through my credit report stating that I am late. 15 U.S.C. 1692c ( c ) states that ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
10/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78114	Web
In short, AFS Acceptance financed a vehicle to me in XX/XX/XXXX. The vehicle was NEVER registered to me and I have not been able to use the vehicle though I made every payment on time, through XX/XX/XXXX. Beginning XX/XX/XXXX, I requested AFS to take action to obtain the registration and license plates I had paid for and subsequently been billed for. Months passed before AFS finally contacted me to inform me they had to " double pay '' to obtain the title and would be sending me the registration/tags. I NEVER received them. I tried to trade the vehicle in for another one in XX/XX/XXXX, I was informed this vehicle was titled in someone else 's name and had a different lien holder listed. In XX/XX/XXXX, AFS 's Title Manager admitted to me that AFS had NEVER obtained a title for the vehicle. I asked for the amount I had been billed upon the loan initiation ( for taxes, tags, documentation fees, and registration fees ) to be credited to my account from the date of initiation so that I would also be credited for the finance charge for said monies. SHE REFUSED. She also informed me AFS had filed for a bonded title with the State of Texas in late XX/XX/XXXX. In XX/XX/XXXX, I filed a complaint against the auto dealership and then found out AFS had NEVER applied for any bonded title. I contacted an attorney at that time and was instructed NOT to pay anymore on this fraudulent loan. AFS was informed of my intent to sue and they were also instructed NOT to make any false or negative reports to the Credit Bureaus. I am providing documentation including emails from AFS representatives LIEING to me about having possession of the title, and correspondence from my attorney, XXXX XXXX. I can also provide a chronology of events with evidence I have to substantiate my claims. I do not want AFS to have access to those documents at this time as there is a lawsuit pending for Deceptive Trade Practices and Fraud.
08/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78114	Web
In short, AFS Acceptance financed a vehicle to me in XX/XX/XXXX. The vehicle was NEVER registered to me and I have not been able to use the vehicle though I made every payment on time, through XX/XX/XXXX. Beginning XX/XX/XXXX, I requested AFS to take action to obtain the registration and license plates I had paid for and subsequently been billed for. Months passed before AFS finally contacted me to inform me they had to " double pay '' to obtain the title and would be sending me the registration/tags. I NEVER received them. I tried to trade the vehicle in for another one in XX/XX/XXXX, I was informed this vehicle was titled in someone else 's name and had a different lien holder listed. In XX/XX/XXXX, AFS 's Title Manager admitted to me that AFS had NEVER obtained a title for the vehicle. I asked for the amount I had been billed upon the loan initiation ( for taxes, tags, documentation fees, and registration fees ) to be credited to my account from the date of initiation so that I would also be credited for the finance charge for said monies. SHE REFUSED. She also informed me AFS had filed for a bonded title with the State of Texas in late XX/XX/XXXX. In XX/XX/XXXX, I filed a complaint against the auto dealership and then found out AFS had NEVER applied for any bonded title. I contacted an attorney at that time and was instructed NOT to pay anymore on this fraudulent loan. AFS was informed of my intent to sue and they were also instructed NOT to make any false or negative reports to the Credit Bureaus. I am providing documentation including emails from AFS representatives LIEING to me about having possession of the title, and correspondence from my attorney, XXXX XXXX. I can also provide a chronology of events with evidence I have to substantiate my claims. I do not want AFS to have access to those documents at this time as there is a lawsuit pending for Deceptive Trade Practices and Fraud.
07/23/2019	No	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing	GA 30134	Web
So I bought a car from a used car dealership in XXXX called XXXX XXXX XXXX. I purchased a used ( XXXX ) miles when I purchased 2018 XXXX XXXX. It was sold to me at XXXX and had the pretense that it was new and not heavily damaged upon purchase. The entire loan process was extremely shady, the company, unable to get me a loan, ran my credit a total of 12 times ( without telling me that they were doing so ) until they finally found a finance company, Credito Real USA who decided to loan to me. At a whopping 24.95 interested rate that turned my originally XXXX financed into an astounding XXXX, they hassled me for documents for proof of residence even after I'd signed all the paper work and they'd agreed to lease to me and when I couldn't provide it ( I am currently in a between situations as far as living, I am a XXXX year old, XXXX American female who is a college student and not extremely financially literate, they decided to put a GPS in my car, turns out I ended up having to pay an extra XXXX to put it in my car which was not stated in the contract or they would take the car away, knowing I was in a desperate situation, I had to pay the money. A few months go by and the car turns out to have been in an accident, and has several major issues wrong with it that prevent it from being driven safely. I go to the dealership and the car requires over XXXX in repairs to run properly and that wouldn't even come with a gaurentee that it would continue to run well in the future. So having no other option because I don't have XXXX laying around, especially after I just purchased what was supposed to be a new vehicle, but to have the finance company come reposess the vehicle. This of course is going to completely tarnish my credit for 7 years, and now I am in a horrible situation because of unethical business practices along with predatory lending.
08/08/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 95833	Web
We started a deferment process on a car loan on XX/XX/XXXX. We have never been late on this loan or asked for this. The form was sent to us on XX/XX/XXXX by XXXXXXXXXXXX who is a manager. The form was completed immediately through their XXXX signature process and sent back on XX/XX/XXXX. We called on XX/XX/XXXX to ensure that all was received. The cs rep said yes. We continued to receive calls about our payment even though we were told by the above manager and CS representatives that our payment was deferred for XX/XX/XXXX and not to worry. The calls continue to come. We called on XX/XX/XXXX again being told deferrment was in process but to call at end of month reassured once again not to worry. We were told that we did not have a payment due until XX/XX/XXXX. We called on XX/XX/XXXX asking for payment alarm to be turned off. It was turned off. Today XX/XX/XXXX we received a nasty call that we needed to contact AFS Acceptance about our account ASAP. We called and were told we owe the XX/XX/XXXX payment and that now it was going on our credit as late. We have had this car since XX/XX/XXXX and have paid its enormous interest payment every month on time. It is a 60 month loan at high interest due to be paid off next year in XX/XX/XXXX. These guys are very unprofessional and horrible with how they treat customers. The car dealer who sold us the car went out of business two months after putting us in this awful loan. We have followed everything they asked and they have continually lied to us. Our credit should not have anything negative at all since they messed a simple task up. They need to do what was promised and defer the XX/XX/XXXX payment as promised by their manager and team. Any additional questions please contact me at XXXX XXXX XXXX
05/24/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	IN XXXXX	Web
I sent Credito Real an Affidavit of Truth signed with notary present XXXX or around XX/XX/XXXX via certified mail and green return receipt They replied with a letter and not another affidavit of truth. They did not rebut any facts. On or around XX/XX/2018 I, XXXX XXXX XXXX administrated a consumer transaction with Credit Real USA on the organization behalf using my credit card ( my SSN ). Pursuant to 15 USC 1602 ( l ), the definition of a credit card is any card, plate or coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. My Social Security Card was the credit card I used to administer this credit transaction in which a finance Charge was imposed on XX/XX/18. XXXX XXXX XXXX failed to follow federal Law 15 U.S.C. 1605 regarding a Finance Charge. 15 U.S.C. 1605 states that the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. Credito Real Required me to put a {$4000.00} Cash down which is a violation of this section Also Credit Real USA has been collecting on this account that was Cleary already paid using my credit card ( SSN ) and still tries to collect on this account monthly As the original creditor pursuant to 15 U.S.C. 1602 only I can validate this debt and DO NOT validate this debt.
10/07/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN XXXXX	Web
this is my 3rd time requesting investigation and will be filing litigation against this company for trying to collect on a debt after I sent a cease and desist letter demanding verification on this debt. They still have NOT fulfilled their obligation By FEDERal LAW 15 U.S.C.1692g. A Simple Contract is NOT VALIDATION they were supposed to send me They have also damaged my consumer report by reporting false information After I sent them a cease and desist to stop communicating with me through ANY medium. My Consumer Report is in FACT a Medium that they did not stop communicating with, which now makes XXXX XXXX XXXX is in Violation of the Fair Debt Collection Practices ACT as well as TRUTH IN LENDING ACT for not providing me a clear and conspicuously disclosure of my right to rescind the transaction. I Have Been Stuck paying on an alleged debt since XX/XX/2018 and I am tired of the abusive practices they have been taking to collect on an alleged, invalidated debt They also have me believe that I had to put cash down on a finance charge which is false and violation of 1XXXX XXXX XXXX of the Truth In Lending ACT see attached labeled exhibit C for proof. There was never supposed to be any cash involved in a finance charge because it is ALL Credit. so i the consumer extended credit to their business for them to extend it back to me. That was the even exchange was the credit. they were false and misleading me from the beginning. That is considered Money Laundering and Defrauding the United States and is a punishable crime I WILL BE FILING A COMPLAINT XXXX XXXX, XXXX, AND THE ATTORNEY GENERAL
05/20/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	MD 21144	Web
Back some time ago XX/XX/XXXX or XX/XX/XXXX I went passed a car dealership called XXXX XXXX with my at the time boyfriend who was trying to purchase a car. I was going to help him out with getting the vehicle but was unable to due to my credit not being the greatest. They gave another alternative of putting a big lump sum of money down and to my knowledge he nor I had all the funds to even meet their requirements for the down payment or loan. I never recall setting up an account and if an account was set up it was definitely had to be his responsibility because I was told I did not qualify. For some years now this company has been harassing me with phone calls threatening to come to my home and job for payments. I even on several occasions have told them do not call my phone anymore because not only will they call and hang up continuously without even saying anything. Their tactics are way too aggressive and have also called my family ... my older brother who I have NEVER lived with or used as a reference, they have called his wife 's place of employment and left messages for me on her phone, they have contacted my step dad who lives in XXXX and I reside in XXXX, they have called my mother, and at times that they have done so I would n't even hear from them. They have left messages that if I do not call them immediately they will issue a summons for arrest following a court proceeding. I disputed this company with all XXXX credit agencies a couple years ago and they were removed off of all my reports except for XXXX, they are continuing to report.
10/28/2020	No	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	MD 208XX	Web	Servicemember
I had a loan with Credito Real USA Finance , LLC in XXXX. I was paying perfectly never a late payment until my mother went into the hospital in XXXX. The loan was charged off in XXXX with me owing just over {$5000.00}. I disputed some incorrect information they were reporting and in spite they changed the amount that I owed. Every month they report this charged off account as a late payment and they continue to they charging interest on a charged off account. This was NEVER in the agreement that I signed saying I will pay interest on a charged off account. They amount owed is well over {$10000.00} now. That's double the amount that I owe. Since this account was charged off at just over XXXX at which point the account by law is closed to future charges. Per your agency 's guidance a debt collector may not collect any interest or fee not authorized by the agreement or by law. This company is obligated by the Truth in Lending Act to send monthly statements which I have not received. Under the code of the District of Columbia XXXX the collection of or the attempt to collect any interest or other charge, fee, or expense incidental to the principal obligation unless such interest or incidental fee, charge, or expense is expressly authorized by the agreement creating the obligation and legally chargeable to the consumer or unless such interest or incidental fee, charge, or expense is expressly authorized by law ; Again I didn't signed anything stating this.
10/28/2020	No	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MD 208XX	Web	Servicemember
I had a loan with AFS Acceptance in XXXX. I was paying perfectly never a late payment until my mother went into the hospital in XXXX. The loan was charged off in XXXX with me owing just over {$5000.00}. I disputed some incorrect information they were reporting and in spite they changed the amount that I owed. Every month they report this charged off account as a late payment and they continue to they charging interest on a charged off account. This was NEVER in the agreement that I signed saying I will pay interest on a charged off account. They amount owed is well over {$10000.00} now. That's double the amount that I owe. Since this account was charged off at just over XXXX at which point the account by law is closed to future charges. Per your agency 's guidance a debt collector may not collect any interest or fee not authorized by the agreement or by law. This company is obligated by the Truth in Lending Act to send monthly statements which I have not received. Under the code of the District of Columbia XXXX the collection of or the attempt to collect any interest or other charge, fee, or expense incidental to the principal obligation unless such interest or incidental fee, charge, or expense is expressly authorized by the agreement creating the obligation and legally chargeable to the consumer or unless such interest or incidental fee, charge, or expense is expressly authorized by law ; Again I didn't signed anything stating this.
02/28/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85295	Web
I surrendered a vehicle in XXXX of 2015. My balance was around {$12000.00}, and they sold the vehicle for just under {$5000.00}. With fees and interest, my account charged off and reported to my credit as me oweing a little over {$7900.00}. I decided to call them and see if I could pay a settlement amount to have the account satisfied. The customer service rep I spoke to, after over 15 minutes and several reps that could not find or assist me on my account, was very rude and kept telling me very incorrect information. She tried to tell me that my balance was actually over {$10000.00} due to the fact that the amount charged off, did not include any of my per dium interest accumulated during the life of my loan. I 've worked in the subprime lending industry and I know how simple interest loans work. But she tried to tell me that THEIR company charges the interest at the end of the loan, even though my contract did not state this AND my payment history did not reflect this. She tried to tell me that she would be willing to take off the {$2500.00} from the {$10000.00} she said I owed. This is an incorrect amount by my payment history, as well as the agreed upon terms in my contract. She was attempting to collect on a higher amount then what I owe amd lied to me on how their simple interest loans work. She refused to get me to a superior, stating she was the boss and there was no one above her.
04/22/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 322XX	Web
This is an on-going issue with this company. I feel as though I am a victim of predatory lending. I have a DSI loan, where interest accumulates daily. I send extra funds in with my payment to reduce my balance so that I pay less interest over the term of the loan. This company never applies the extra money towards interest although my payments are current and often paid early. I called on XX/XX/XXXX and asked that the extra {$81.00} that was being held be applied to my principal balance. They stated that they would put in a ticket to accounting to have it applied. I got my next statement on XX/XX/XXXX. The {$81.00} was still unapplied and the extra that I paid on XX/XX/XXXX was also not applied leaving me an unapplied balance of {$110.00}. I called again on XX/XX/XXXX to ask why funds were not applied to principal, again, he stated that he would put in a ticket and give them XXXX hours. I called back today to check my balance and this is still unchanged. This company is ripping people off and collecting more interest than they should. I feel helpless, I can only call and take their word for what they promise and they never follow through. This is my second time reporting this company to the CFPB for the same issue. They need to be audited and investigated. This is definitely predatory lending. I have attached the statement that shows the monies not applied to the principal.
07/16/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	VA 22193	Web
I purchased a vehicle 1 year ago the vehicle in the past 4 months now has been having start issues thinking it was something wrong with the car I spent money trying to fix it i then took the car to a mechanic shop who determined it was the past time sensor. I took the car to get a second opinion who also determined this. I contacted the company about 1.5 months ago to get this fixes the Company since then has been giving me the run around saying the company they use is based in Florida and have to call around to get an installer in my area. I asked the manager who I have been dealing with XXXX what would happen to the repair bills, tow bills, and lost of work they stated that they could not give me an answer from there it has been call after call with noone to help and everyone XXXX me around with no answer i finally took it to the place the recommended and the gentleman said he could not recreate the problem because the module had been disconnected for so long. I explained this to the bank so because of all the trouble said they would defer 1 payment for me i did n't realize what she meant because she was making it seem that they would cover the payment vs reimbursing me. I have every conversation with this Company and they are very unresponsive, rude and do not want to reimburse me OR help me with the situation.
02/14/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	PA 19143	Web
XXXX The previous response I received from the company is in fact nonsense and did not prove anything. Following this consumer credit transaction, I understand I was to be informed that I have the right to dispute the validity of this alleged debt within 30 days AFTER the initial communication ( which is the contract they attached to my previous complaint ). They failed to include this information in this contract AND failed to send it separately in the mail stating I have the right to dispute this alleged debt. How where they able to assume the debt was valid? Well, according to FDCPA 15 usc 1692g # 3 ; it states that if a consumer does not dispute the validity of the debt within the first 30 days, the debt collector will assume the debt is valid. So, I am paying for things that are already paid for because they never made me aware I had the right to dispute the validity within the first 30 days. This is a breach of the contract due to the fact these MUST be included in initial communication ( the contract ) or sent separately to the consumer by law. Even if these debt collectors assume this debt is valid it does not mean anything because it is my right to refuse to pay an alleged debt and no court or judge can say I Owe it under any circumstance. ( 15 usc 1692g ( c ) )
12/15/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	DE 19973	Web
On XX/XX/XXXX, I financed a car with AFC Acceptance LLC, aka Credito Real located in XXXX XXXX Florida. The amount financed, after me paying a {$3000.00} down payment, was around {$18000.00}. From the start of my loan, I have made XXXX payments. XXXX of the payments were double payments. There was also XXXX hardship deferments. The amount that I paid on my loan was {$18000.00} On XX/XX/XXXX, I contacted Credito Real to make a settlement and close out my loan. In my request, I offered a lump sum amount to pay and asked for a copy of my file to show my payments and what the balance due was on the account. Credito Real did not meet that request. Instead they emailed me to tell me to make a payment to bring the payment into right standing. I conta XXXX them XXXX more times regarding this via email. Each time, I received the same response. On the evening of XX/XX/XXXX, I called the Escalations and Recovery department. The representative told me that my balance due on the account is {$18000.00}. There is a huge discrepancy in my calculations of what I owe and what the remaining balance is showing with Credito Real. I believe the company has overcharged me and has added in extra interest, in addition to not entering in my payments.
10/18/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 322XX	Web
My monthly payments of {$410.00} are due on the XXXX of each month. I made a payment of {$500.00} on XX/XX/XXXX. I logged in to the website today that the extra funds I paid are in an unapplied account. They have done this on several occasions, this time I decided to call today ( XX/XX/XXXX ). I asked the representative to apply those fund to principal. He stated that he can not and I have to wait until I make the XX/XX/XXXX payment then they can apply to principle. Which is a lie because it has never happened with my prior payments. In addition, thats an extra 30 days of interest that I am being forced to pay on a larger balance and they are holding my extra money. I explained to him that this is unacceptable. I have a DSI loan, by not applying my extra to principle, more interest accrues daily, I pay more interest over the term of the loan and it takes me longer to pay off the loan. They are forcing customers to pay extra interest. When I informed him this isnt legal and I was reported them to the CFPB. He stated to me " it isn't the end of the world '', which is rude. That violates FDCPA. I need to be able to pay extra on principle to payoff my loan faster. This company forces customers to pay extra interest.
05/14/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33441	Web
My Vehicle was repossessed in XXXX of 2021. I never receive the notice of sale as required by Florida law. I have requested a copy of the notice of sale, and all documents related to the auction ( dates, sales price, sales type, location, etc ... ), as well as why the vehicle was transferred in Illinois according to VIN records on XX/XX/XXXX ( did a private sale occur? ). I have not received those documents, which I am entitled to receive by law. I hereby request that they send the documents via the CFPB portal and/or via email at XXXX. I have serious concerns as to why there is a deficiency on the loan. I need records of the accounting related to this loan, specifically how they calculated the deficiency of {$5200.00} ( reported to credit bureau ). The vehicle was allegedly sold in XXXX of 2021. The auto market was already red hot by XXXX of 2021, and I believe the vehicle was worth substantially more than what they sold the vehicle for at auction. They had offered to sell the car back to me for substantially less than what they received at auction, as full satisfaction of the loan. They received a higher sales price at auction, so why are they pursuing a deficiency?
10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30319	Web
To whom it may concern : There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Inquiries : XXXX XXXX XXXX XXXX Credito Real Usa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look Forward to hearing your response. Thank you XXXX XXXX
07/21/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	NJ 08902	Web
Credito Real USA or AFS Acceptance whoever they are very deceiving and they're XXXX XXXX. They call non stop all day long from va5rious different phone numbers. They use Robo calls, they even call and stay silent and hang up the phone. They even have private delivery people to bring letters to my home. Not via USPS, it's hand delivered like I've been served. I've explained when I lost my job that I will be struggling to make payments. If they check my record after I stopped working that is when I fell behind. I do mu best at making payments, sometime doubling up in one month. However that is not enough for them. I even asked if I can break my payments in half to help me manage, but I was told no because their system doesn't recognize partial payments. I would still accrue interest fees until the payment is made in full. On top of all of that my interest rate is over 24 %. That alone should be illegal. I tried to refinance to have lower payments and get them off my back, but due to the way they report to the credit bureau 's has my credit all messed up. I just want them to stop.
11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN XXXXX	Web
Credito real has reported private information on my consumer report that I did not give them consent. I take pride on having the right to privacy and my privacy has been breached. My federal rights as a consumer has been violated. 15 U.S.C. 6801 states that that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. they are reporting an illegal repossession and late payments that is ruining my reputation and defaming my character as consumer which is not public information that could searched. not one person can research that I was late on a payment or that a my property was illegally repossessed. The definition of non public information under this subchapter also could mean any information resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. THIS IS MY FINAL NOTICE BEFORE I PERSUE LITIGATION
08/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 356XX	Web
Around XXXX I went to XXXX XXXX auto sales and the car I was financing never really worked it was in the shop from the XXXX day I had it until he went and got it from the shop. Which was about XXXX days down the line. By the XXXX day I had told him I didnt want to finance a vehicle that I have never drove. So about XXXX weeks ago I went to try and finance a car from another company and they told me that it was showing on XXXX that I was still paying on an auto loan for XXXX dollars a month and thats not accurate. It was erased from my experian report but its still on my XXXX report so therefore it is hindering me from getting a vehicle. So I went up to XXXX XXXX office the same day about XXXX weeks ago to inquire about the situation and he told me that nothing should be showing up on me bc he bought the vehicle from the finance company so then he gives me a number to dial and from XXXX weeks ago til today I am still not able to get with anyone about the account. They keep hanging up on me when I do call and Im not getting anywhere with this
02/12/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85225	Web
I was returning a call from my auto company AFS acceptance, I informed my rep XXXX that I needed to make the payment on the last Thursday on the month I just started a new job and my pay dates are off now. I hope with my taxes I can get my payments back on track and not pay late any more. She told me she did n't want to wait for my taxes, I told her that 's not what I stated, I called to set up a payment and tried to repeat what I told her the first time. She told me to listen to her, I informed her it was my mom 's birthday, and I was on a XXXX min break I just wanted to set up my payment she told me if she could n't talk she was going to end the call and hung up. I called back and requested to speak with a manager and asked them to cease all call, I got XXXX calls the next day. I found it really rude that she got upset about a payment that was only one day late at the time, and for her to tell me that she was not going to depend or wait on my taxes when that was not what I stated.
10/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN XXXXX	Web
I, XXXX XXXX, am submitting this complaint on my own behalf and there is no third-party involved. Credito Real USA formerly known as AFS is reporting late payments on a customer credit transaction on my credit report which are false. in fact, Credito Real USA is in direct violation of federal law 15 USC 1666b. It states that " a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' This Account has been under an open end credit plan since XXXX Credito Real Has Been Using false and Deceptive tactics to collect money from until I was aware of my federal rights. now They will no longer receive money from me and they are now damaging my report.
03/22/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	MD 21043	Web
I financed a vehicle through AFS on XXXX/XXXX/2014, with a loan agreement of {$13000.00} owed at a 19.95 % finance rate. I made 16 payments on this vehicle, totaling close to {$7000.00}, and was in a car accident and the vehicle was totaled. My insurance company paid AFS {$10000.00}, making the total amount paid on this loan over {$21000.00}, with it being reported that over {$6500.00} was paid towards interest. I paid off this vehicle in 16 months when it was a 50 month loan and it specifically states in the documentation that there is no penalty for paying off the vehicle sooner. Given the fact that I made payments of {$400.00} each month, for 16 months always on time and the total paid by my insurance company being over {$10000.00}, AFS charged me a finance percentage rate of nearly 50 %, when it should have stayed the 19.95 per our contract. I am owed at least {$3500.00} according to their own record keeping and contracts I had signed when purchasing the car.
08/17/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 32940	Web
Credito Real USA is reporting a debt on my consumer report. I disputed the debt, in which they responded to me advising that the debt is owed. I responded to Credito Real USA conditionally accepting their claim and advising them that I wanted to settle the debt as soon as possible and asked for additional information, however they refused to comply with providing me with my request and they refused to remove the debt from my consumer report damaging me and my credit and my family. I have been in honor and they're acting in dishonor making threats that they will not respond to me any further and advising me that my letters to them are " frivolous '' and " repetitive ''. They claim they have answered me via certified mail and failed to provide any tracking number or anything that supports their claim and the debt continues to damage me and my ability to purchase a home for my family and me. I have done all in my power to attempt to ethically pay this debt.
08/31/2020	No	Vehicle loan or lease Loan	Struggling to pay your loan Problem after you declared or threatened to declare bankruptcy	PA 17055	Web
In XX/XX/2019 I co signed for my daughter to obtain a car loan. The dealership put my name first and I requested it to be fixed-it wasn't. Fast forward a few months, I declared bankruptcy and included my daughter 's vehicle loan after consulting with my attorney. Credito Real would call me if my daughter was late on her payments. I advised them I filed bankruptcy and they were not to contact me. I blocked the numbers they called from. For over a year, the have repeatedly contacted me on my cell, even at work AND reached out to 2 of my friends! Repeatedly I have stopped them as soon as they get on the phone and tell them to read their notes as they are violating federal laws. The calls still continue as soon as my daughter is 24 hours late on a payment. They use so many numbers to call from and I continue to block them after I realize it's them. I have advised them as well they are to NEVER call my place of employment-they don't care.
08/07/2018	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	NC 283XX	Web	Servicemember
Last week, XX/XX/XXXX, i receive a phone call from MR XXXX, who keeps on calling me, my co workers, step mom. Both of which he called multiple times, when he already received my phone number from them. He called me, i chatted With him XX/XX/XXXX, he said he worked for AFS acceptance, i told him i couldnt make his payment at that time, he was very rude, asking for family members numbers and my wifes number to call her for a payment. I also said, do not call my work nor my family. He told me he got my privacy offline from the internet. Today, XX/XX/XXXX, he called me while i was working, and i cant Use my phone at work, he does NOT leave a voicemail, nor a message. He immidiatly calls my family member and co worker again stating he cant get ahold of me. He needs to stop calling me and my family and conworkers. Its getting out of hand. He needs to stop contacting me. How could someone so rude work for a company like that.
11/21/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WI 53212	Web
This company calls at all hours of the day, switches the phone numbers they are calling from, they call numerous times per day. They are the finance company I bought my car through, theyve threatened if I dont pay now theyre going to report negative to my credit report. My car note is due the XXXX of every month, they get their payment before end of month but they dont stop calling until they do. My household has been income impacted because of COVID they are aware of this, weve asked them to stop calling us because they still get paid every month is just not on the due date. They call my boyfriend all day every day and they call me all day every day. This is harassment at this point I want to file a suit. Theyve called from XXXX, XXXX, XXXX, XXXX, their number is always changing they are located in Florida theyre not even supposed to be calling from a XXXX area code that is XXXX WI.
11/19/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	NC 28269	Web
On or about XX/XX/2022 I applied for an auto loan with XXXX XXXX XXXX and the company went through a bank called Credito Real USA Finance LLC. During this consumer credit transaction, I was asked for a down payment, there was a hard inquiry on my credit report. On XX/XX/2022 i completed all paperwork and was told to pick vehicle up Friday XX/XX/2022. all paperwork was finalized and loan was completed. On XX/XX/2022 I received a call from Credito Real USA Finance LLC and received threatening calls about if I do not bring vehicle back there will be legal action. The bank credito real USA Finance LLC was in violation of 15 USC 1662. The Fianance Bank Credito Real USA denied my loan. Their reasoning was beaceuse my employment couldn't be verified. I have already left the dealership with the vehicle. Employment should have been verified during loan application.
08/30/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	AL 354XX	Web	Servicemember
I financed a XXXX motorcycle in XX/XX/XXXX from a company named XXXX XXXX.I was making payments on time ; due, to them receiving an allotment from my check. In XXXX XXXX, I received a letter in the mail from a company named AFS Acceptance that stated I was to start paying for my motorcycle with their company ; instead of XXXX XXXX. The letter included the wrong information about my bike, how much I owe, the monthly payments, and the dates on the payment coupons. There were numerous inconsistencies causing my wife and I to think it was a scam. I have asked them numerous times to provide me with my original loan that was transferred from XXXX XXXX and they have failed to do so. Now, I have a 90 day past due on my credit report. Also, I signed an agreement at the origination of the loan that stated my loan would not be sold.
11/16/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 851XX	Web
I purchased a car from AFS Acceptance approximately 2 years ago. After numerous conversations with them and some unethical statements said to me by their retention " specialists '' I chose to do a voluntary repossession. The account has been closed and they have done a " charge off '' on the account. However, I keep getting credit reports that they are continuing to increase the amount of the past due balance even though 1. I do n't have the vehicle, and 2. I 'm sure they sold the car and got something for it at auction. I never received anything from them after they took possession of the vehicle stating that they sold it and how much they got for it and how much do I truly owe on the account. This type of company needs to make sure that they get their information corrected.
08/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 477XX	Web
the previously complaint that was submitted on XX/XX/28 addressed a new issue after the arbtration was over. This is a new matter and I demand the accounting on this account to prove that I was late. This was reported on XX/XX/28 on my consumer report which allows me under 15 USA 1666 correction of billing wear as a consumer to request the account ledgers to investigate my account. If you fail to do so I can refile a new case under this statue since this matter has happened after the fact. Please provide me the accounting ledgers as I have reasons to believe and do so believe that there is a NEW billing error I will not hesitate to reach out to the Attorney General and the IRS to audit this account or whoever to get this matter resolve.
03/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD XXXXX	Web	Servicemember
I have sent a letter to them regarding the matter. However, no one sent a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " AFS Acceptance, LLC. '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
05/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD XXXXX	Web	Servicemember
I have sent a letter to them regarding the matter. However, no one sent a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX. '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
08/27/2019	No	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	TX 75241	Web
I have repeatedly received calls from agents from Credito Real USA to my job. Each time I have instructed these individuals to not call my place of business concerning personal matters. Despite my requests, these agents have continued to call. On XX/XX/2019, a representative from XXXX XXXX XXXX XXXX actually came to my office to deliver a letter on behalf of Credito Real USA after XXXX on Friday, XX/XX/2019. The representative requested to take pictures of my vehicle in front of other suite owners in the building. That same day ( XX/XX/XXXX ) I sent an email to Credito Real USA instructing them not to contact my job. Today, XX/XX/2019, I received another call to my office number. Please advise.
03/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD XXXXX	Web	Servicemember
I sent a letter however, got no response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX d/b/a XXXX XXXX XXXX XXXX '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
05/17/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 92106	Web
I paid my vehicle loan off on XX/XX/2022 and since have been trying to obtain my title from Credito Real. They have continually lied, telling me it is on the way. The only thing I received the lien release. I have been to the XXXX and spoke to the Manager there, who has advised that Credito Real must electronically release my title. I have tried to contact someone in their title department and all I am told is " you can send them an email, we have no way to directly contact that department. '' I have sent XXXX emails to Credito Real, as well as advised them that I am filing a formal complaint. No one has replied and I still do not have my title for my paid in full vehicle.
05/05/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37087	Web
Certified letter was sent on XX/XX/XXXX regarding a charged off as bad debt Purchased by another lender and also to the purchase lender that the am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws and that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. buy never received any response from no one but from from the original creditor. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report.
08/14/2015	Yes	Debt collection Auto	Improper contact or sharing of info Contacted employer after asked not to	CA 957XX	Web
The " gentleman '' called my employer and told the receptionist I am over XXXX days late on my debt and said I was " being so very irresponsible '' When I finally got on the phone with him I told him I was at work and he responded with " Well you are irresponsible and you do n't take care of your bills '' He was so very disrespectful and I will make sure to contact a lawyer to see what my options are. I am battling a death of a parent, a XXXX, XXXX kids, and I got XXXX days behind on a payment because I had to deal with unexpected expenses from an unexpected death. I had planned on paying the following day on my payday. LIFE SOMETIMES HAPPENS.
08/31/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	PA 17055	Web
i recieved an auto loan from afs acceptance and in XX/XX/2016 i totaled that car in which i did not have gap insurance on and now they call me everyday demanding payment that i can not afford the auto insurance did pay a potion of the loan. they also send me text messages and the tell me they are going to take me to court and garish my wages and if they can not get ahold of mme they call my daughter and aunt and they have also called friends of mine. I explained to them that i am in finanical hardship and can not afford to pay what they want. they have also asked told to give them debit card numbers so they can take the payments when they need.
02/09/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	PA 19143	Web
This corporation is harassing me by attempting to collect an assumed alleged debt ( that is not mine ) constantly reporting on my consumer reports, without my written permission and no consent ... which is classified as identity theft by law. They are violating my rights as I am a federally protected consumer and I have sent many request for this abuse to stop. They are refusing to remove these inaccuracies from my consumer reports since I have requested this to stop as well, many times, more than once since XX/XX/2020. I still believe this is a violation and unfair act that " Credito Real USA finance '' is committing against me.
06/07/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MI 48224	Web
I spoke with the company about paying the debt XX/XX/2018 which only occured bcus i didnt have gap insurance.. ever since i suffered the loss of the vehicle the company has been reporting as if it was a repo of {$10000.00} instead of a loss that was paid by my insurance minus the gap part..i talked to the rep who stated if i didnt accept her pay to delete which was {$800.00} and pursued my complaint back thru the credit bureau she will add additional interest on to the account which she state is {$1500.00} right now..i cant afford to pay for this debt right now i just want the correct amount to be stated on my credit report
08/13/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 32065	Web
I have continuously made letters to business as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and also XX/XX/XXXX in request to the following information regarding the sale or auction on the account listed. I've asked this business to provide all documents of when and the amounts in which the vehicle was sold or auctioned. I've asked for the deficiency balance or surplus amount following the sale or auction of the vehicle, as well as the original balance of the vehicle. I was told via telephone from a XXXX that they do t have any info in reference to acct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, fl XXXX
10/25/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30329	Web
I have contacted your department about the fraudulent accounts that are being reported on my credit. I believe this started in XXXX XXXX time period. I discovered it around XXXX when I had to dispute items the first time, and now it is happening again on my credit report. I have had identity theft Report filed with a DC # XXXX around XX/XX/XXXX due to a break in of my property. Also, I have not supplied proof under doctrine of estoppel by silence. Engelhardt v. Gravens ( MO ) 281 SW 715, 719. I Presume that no proof of the alleged debt, nor therefore exists under my identity
03/14/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 280XX	Web
Have been receiving numerous calls from Credito Real USA prior to payment due date of the 15th every month harassing me that the payment is due on the 15th. You can review my credit report and see that this account has never been delinquent. This loan had an origination date of XX/XX/2016 for a term of 66Months. 30 Payments have been made on this account in the amount of {$340.00} for a total of {$10000.00} the original principal balance was {$12000.00} the current principal is {$9500.00}. Lender changed names from XXXX XXXX and now provides loans to people with no XXXX.
07/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 477XX	Web
my account was was on deferment for the months XXXX and XXXX per agreement with XXXX XXXX. and my account was made current. My next car payment was to start on XX/XX/XXXX. Since then I have not been late on my account. I recently checked my credit report and seen there was a 30 day late payment added to my report. please thoroughly investigate this matter and update my credit report with all 3 XXXX and remove the late payment immediately. or send account ledgers to prove there was a late payment made on my behalf.
12/16/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 22102	Web
The company and I agree to a payment of XXXX when the car was repossessed I paid {$500.00} was going to pay in payment for the repossessed fee will be applied every month and I needed to pay XXXX extra a month. now they are reporting on my credit report that I am XXXX days behind with a XXXX balance I tried to talk to them to correct this and they still have not my car was damaged in the repossessed process and they still haven't done anything.
05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60411	Web
I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.
04/02/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	GA 304XX	Web
AFS ACCEPTANCE is reporting on my credit trying to collect {$11000.00} plus XXXX ( XXXX XXXX XXXX ) also on my credit trying to collect {$6700.00} For the same account ... the vehicle was purchase from XXXX XXXX XXXX but was sold to AFS ACCEPTANCE so why both trying to collect??? I was never giving no notice of the auction or sale, was have sent any information were I could have attended the sale or auction please validate this account
06/08/2020	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MD 21207	Web
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from CREDITO REAL USA FINAN located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
06/08/2020	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MD 21207	Web
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from AFS ACCEPTANCE located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
10/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77338	Web
ASF Acceptance Llc has an account that was fraudulently obtain in my name in the amount of {$11000.00}. I have reached out to the above mention company for several years upon being aware that I was a victim of fraud. I have emailed supporting documents, I would also like for this to be removed from all three credit report bureaus.
06/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77338	Web
ASF Acceptance Llc has an account that was fraudulently obtain in my name in the amount of {$11000.00}. I have reached out to the above mention company for several years upon being aware that I was a victim of fraud. I have emailed supporting documents, I would also like for this to be removed from all three credit report bureaus.
02/27/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	SC 29488	Web
3 months after I bought the car it broke and I had to fix it because the finance company Afs Acceptance wouldnt fix it. Its XXXX XXXXXXXX which cause me not to be able to make my payments and I was keeping contact and all. They didnt have to look for me or wonder whats going on. And I still have the car they dont want it back
11/02/2020	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	DC 20001	Web	Servicemember
The debt owed to Afs Acceptance Llc has been paid in full. Credit report states the debt is paid in full as well. However, account remains on credit report of all Credit Bureaus. Requesting that this account be removed from all three Credit Bureaus. Ive contacted AFS Acceptance LLC previously and no help was offered.
08/09/2017	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	NC 28208	Web
I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.
06/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11215	Web
XXXX XXXX XXXX Inquired on XX/XX/XXXX company caused a hard inquiry XXXX XXXX Inquired on XX/XX/XXXX company caused a hard inquiry. AFS ACCEPTANCE LLC Inquired on XX/XX/XXXX company caused a hard inquiry
05/26/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NJ 077XX	Web
CREDITO REAL USA FINANCE , LLC XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX. HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$7400.00}. I HAVE PROOF MY CAR INSURANCE PAID FULL BALANCE!
09/07/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	PA 191XX	Web	Servicemember
I XXXX XXXX XXXX settled a debt with Creditoreal & Creditoreal is submitting derogatory remarks to the three credit bureaus for an account that has been paid - repeated emails and calls
07/10/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85323	Web
I have been harassed, called before XXXX my time, been harassed even after I obtained and Attorney for Bankruptcy, called name ... .The list go 's on and on
03/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
I have no knowledge of this account.. On the attachment it is down in the body XXXX XXXX XXXX XXXX and XXXX XXXX for XXXX. Thank you.
02/13/2023	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	SC 292XX	Web
So I put a list of companies on my behalf thats on my credit report that I have no clue who they are
12/14/2022	Yes	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money	NC 27407	Web
was approved for multiple loans and never recieved the money or vehicle
02/03/2017	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	TN 37072	Web
Calling back to back. Hanging up and calling right back within minutes
11/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30052	Web
There are unauthorized businesses on my credit report.
10/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	AL 366XX	Web
THis is not mine. I did not get an auto loan from here
07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30344	Web

07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60617	Web

07/11/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NY 10705	Web

06/07/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NJ 08618	Web

05/29/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	AL 35806	Web

05/29/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Privacy issues	GA 30344	Web

05/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33313	Web

04/16/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 32907	Web

03/03/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	DE 19973	Web

01/17/2023	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	FL 34652	Web

12/29/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IN 46410	Web	Servicemember

12/24/2022	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	FL 33009	Web

12/15/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	GA 30339	Referral

12/09/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	GA 30339	Web

11/23/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	VA 22645	Web

07/13/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL 33068	Phone	Older American

06/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35555	Web

05/31/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	IL 60478	Phone

01/23/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	PA 19149	Web

12/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33309	Web

12/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30087	Web

11/19/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IN 47711	Referral

11/17/2021	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	TX 75454	Web

11/10/2021	Yes	Payday loan, title loan, or personal loan Title loan	Received a loan you didn't apply for	TX 78617	Web

11/08/2021	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	TX 75454	Web

10/29/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19153	Web

10/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IN 47711	Referral

10/12/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	NJ 08902	Web

08/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60620	Web

05/18/2021	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	TX 77077	Web

05/10/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	PA 19124	Web

12/17/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OK 74429	Web

11/17/2020	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	IN 46368	Phone	Servicemember

09/25/2020	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem		Phone

07/23/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32789	Web	Older American

06/07/2020	No	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 77379	Web

05/25/2020	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32836	Web

05/08/2020	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 32222	Web

03/17/2020	No	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	CA 94803	Web

01/26/2020	No	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19013	Web

11/08/2019	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	PA 19078	Web	Servicemember

07/28/2019	No	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	PA 19611	Web

10/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75137	Fax

09/05/2018	No	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 77379	Web

04/20/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85041	Web

02/10/2018	No	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	TX 76087	Web

01/31/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33015	Postal mail

12/26/2017	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	TX 75050	Web	Servicemember

06/30/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	TX 76131	Web

06/01/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 76018	Web	Servicemember

12/14/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	DC 20011	Web

08/31/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TN 38108	Referral

08/24/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	AZ 85374	Web	Servicemember

11/30/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MD 21078	Phone	Servicemember

11/21/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	AZ 85233	Web

11/16/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75050	Web

03/12/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CO 80112	Phone

02/02/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IA 50265	Phone

01/22/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	PA 19050	Web

11/10/2014	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	TX 76002	Web