Credova Holdings Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/23/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	GA 30058	Web
On XX/XX/XXXX of XXXX at XXXX I requested for an extension of credit pursuant to 12 CFR 215.3 to Credova Financial LLC through their online website, according to the Truth in Lending Act 15 USC 1602 ( f ) to have " Credit '' is my Right to incur Debt and defer its payment. After filling out the application and providing the company with my personal information, social security & credit card number 15 USC 1602 ( 1 ) they responded to me through email at XXXX minutes after I submitted the application with an Adverse Action pursuant to 15 USC 1691 ( d ) ( 6 ) denying me my right to credit. Within this Adverse action the company Credova Financial LLC have broken the law ( 6 ) times Violating FDCPA and FCRA pursuant to title 15 USC 1692f ,15 USC 1692j, 15 USC 1692e ( 10 ) ,15 USC 1692d, 15 USC 1681q, and 15 USC 1681 ( a ) ( 1 ) ( 2 ) In the adverse action the company informed to me that they gave the offer " careful consideration '' but noted that the " Application information provided can not be verified. '' which is false because they provide me with a credit score and said, '' Our decision was based in whole or part on information in a credit report. '' then soon after mention that " The credit reporting agency played no part in our decision. '' which is very misleading considering what was just said to me the sentence before. Then finally at the end of the letter they stated, " We obtained your credit score from the credit reporting agency and used it to make our decision. '' which is deception and contradicts everything that was recently said in the beginning of the letter about not being able to verify the information. At that moment Credova Financial LLC charged my credit card for the purpose of obtaining services on credit pursuant to 15 USC 1602 ( 1 ) in doing so made an inquiry on my consumer report while simultaneously denying me credit by use of false and misleading representation through an adverse action letter. Credova Financial LLC committed a crime pursuant to 15 USC 1611 ( 1 ). The entire Adverse Action letter was false and misleading representation 15 USC 1692e, unfair practices 15 USC 1692f, Harassment 15 USC 1692d, furnishing certain deceptive forms15 USC 1692j and obtaining information under false pretenses 15 USC 1681q and held no accuracy & fairness of credit reporting according to Title 15 USC 1681 ( a ) ( 1 ) ( 2 ).
08/01/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NV 89044	Web
I applied through Credova for a line of credit to purchase some firearms. I was approved with a limit of {$1000.00} on an open line. I used XXXX to order ( 3 ) firearms and one box of ammo for one of the firearms. I ordered a " XXXX XXXX XXXX XXXX XXXX XXXX - 20 '' Barrel, 7 rounds, Synthetic with a description stating the firearm was a " Semi-Auto action ''. This means that its not " pump-action ''. For {$250.00} it should be that price. You can get the Pump-Actions for $ XXXX {$150.00} range. We I went to pickup my order they opened the box to find a Pump-Action shotgun from XXXX in there. I have contacted XXXX SEVERAL times over the course of 5 days and received one reply initially asking for more info, ( which i provided ) and no reply. I attempted to contact again several times, no response. I then contacted Credova via chat last weekend advising of all of the above and a rep was very rude and non-helpful. I revoked the autopay out of my account in writing during the chat until this issue is resolved and the XXXX is taken off of my order amount since I never took ownership, ( It's still sitting at XXXX ) . XXXX has refused to contact me nor has Credova called me even after a rep told me a supervisor would reach out via phone to me on XX/XX/2023. That never happened. This complaint is due to Credova being the finance company and stating on their website that if a consumer disputes something and has tried to reach out to the merchant ( XXXX ) that they would reach out. I advised the rep via chat I tried and to no avail, the rep refused to reach out in violation of their own company guidelines posted on their website. Now we have Credova falsely advertising their guarantees on their website to actually refuse them. I did not receive what I ordered from XXXX and I want to speak with Credova about it. I have spent hours and missed work to deal with this issue and am seeking compensation for my time and effort to resolve this conflict.
08/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	PA 19023	Web
On the date of XXXX I tried to extend my credit to Credova they denied me for the reasons of Your credit score : XXXX Date score was reviewed : XX/XX/2021 Scores range from a low of XXXX to a high of XXXX. Key factors that adversely affected your credit score : ( XXXX ) THE DATE THAT YOU OPENED YOUR OLDEST ACCOUNT IS TOO RECENT ( XXXX ) TOO MANY BANKCARD OR REVOLVING ACCOUNTS WITH DELINQUENT OR DEROGATORY STATUS ( XXXX ) YOU HAVE TOO MANY DELINQUENT OR DEROGATORY ACCOUNTS ( XXXX ) LACK OF SUFFICIENT RELEVANT REAL ESTATE ACCOUNT INFORMATION None of these key factors are defining causes of a determination to denying me for extending my credit. I did this in good faith it was no ill will or anything so idk why I got denied. Soon as they got the credit application that should have been the end of it this is a consumer credit transaction. The transaction was me trying to extend my credit. Credit scores are not a key factor in determining if im credit worthy. 15 usc 1681m ( b ) Adverse action based on information obtained from third parties other than consumer reporting agencies ( 1 ) In general Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for such credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agency bearing upon the consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, the user of such information shall, within a reasonable period of time, upon the consumers written request for the reasons for such adverse action received within sixty days after learning of such adverse action, disclose the nature of the information to the consumer. The user of such information shall clearly and accurately disclose to the consumer his right to make such written request at the time such adverse action is communicated to the consumer.
02/10/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 331XX	Web
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases from XXXX XXXX XXXX contracted by Credova Financial , LLC which was assigned to XXXX XXXX for the total balance of {$2200.00}. This information was obtained from an installment contract received by XXXX XXXX on XX/XX/XXXX from CFPB complaint # XXXX. This debt is not mine. The address listed on the contract XXXX XXXX XXXX PL, XXXX FL XXXX is not my home address. I have lived at the home address at the top of this letter since XXXX ( A copy of electric bill from XXXX is attached ). Furthermore, the contract is electronically signed which does not show my signature or prove that I was the one signing the contract. I have filed an FTC Identity Theft Report for the company that shows this debt on my consumer report XXXX XXXX XXXX. I have also filed a police report with XXXX police department XXXX XX/XX/XXXX. A copy of that filing with case number is attached and once made available you will be sent a copy of the police report. A letter has also been sent to XXXX XXXX XXXX. In accordance with the Fair Debt Collection Practices Act, you are required to stop collection proceedings against me and stop communicating with me about this debt. You are to Cease and Desist immediately and dissolve me of this debt that has been fraudulently opened in my name. I may also remind you that failure to comply is a direct violation of my rights under the Fairs Credit Act and Fair Debt Collection Practices Act. I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including
07/10/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 22306	Web
I purchased a American Eskimo from a pet store in XXXX at the very start of what would become the COVID pandemic and was told that I could get a loan with no interest on the dog. I was guided through the application and signing at the desk with a staff member who did not show me any paperwork, said everything to me word of mouth and instructed me to sign documents that were not viewable until after everything was done. They completely lied about how the entire operation worked. My plan was to get the puppy and then use my tax return to pay off the sale amount around a month later. When I called Credova to pay off the dog they told me that I had to pay well over XXXX dollars with a XXXX sale price. I tried to return the dog because I couldnt afford it but they told me that I will still be responsible for the entire amount and that I was leasing the animal. I HAD NO IDEA this was never shown to me or instructed until after my paperwork was sent after the sale was done. Fast forward until now, Leasing animals in Virginia is illegal ( i was not aware ) they have sold my account to collections, XXXX XXXX for a amount owed of XXXX. This is absolutely frivolous and new to me against the law. The contract I viewed clearly states I am leasing which is clearly illegal. I am terrified this will go on my credit or I will continue to be harassed with letters after I told them I was taken advantage of at the store and could not afford that amount.
02/10/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 331XX	Web
In response to XXXX XXXX XXXX statement on XX/XX/XXXX. According to the contract uploaded by XXXX XXXX, the address used to open the account is not my current address. The contract lists XXXX XXXX XXXX XXXX, XXXX, FL XXXX as the address for the account with an IP address of XXXX. I have lived at my current address since XXXX. I have attached a copy of my Electric bill from XXXX showing my address. Therefore, this information is inaccurate and XXXX has failed to notify each consumer reporting agencies of this inaccurate information. Furthermore, the contract was electronically signed therefore it does not contain a valid signature which is a sign of possible identity theft. A letter was sent to XXXX XXXX XXXX on XX/XX/XXXX which was received and signed on XX/XX/XXXX. The letter requested information that was used to obtained the loan. According to the Fairs Credit Report Act and Debt Protect Act, the furnisher is required to provide me with any and all information used to open the account if provided an Identity Theft Report. XXXX has yet to comply with the request as well as a cease and desist request. A letter has also been sent to Credova, the company XXXX stated on their last CFPB response which was assigned to them. A final letter will be sent on XX/XX/XXXX ( 30 days after receipt of first letter ). If the furnisher does not comply I will take legal action against XXXX XXXX XXXX.
03/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77301	Web
I am writing to file a complaint against XXXX XXXX XXXX XXXX, located at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, for posting a late payment to my credit report when the debt is no longer owed due to their multiple violations of federal laws, including the FCRA and the Debt Collection Act of Texas. XXXX XXXX XXXX XXXX transferred my loan multiple times without my agreement and without providing me with a new contract to sign. They did not provide me with all the necessary documentation regarding the transfer of the loan, including who the new servicer was, if the payments were going to remain the same, and the new balance I would owe. As a result of their actions, they owe me {$30000.00}. Furthermore, their actions have caused me significant harm, including reduced credit and financial damages. I demand that they close out this loan because their violations are now more than what the loan is worth. XXXX XXXX XXXX XXXX has violated multiple state and federal laws, including : The Fair Credit Reporting Act ( FCRA ) The Debt Collection Act of Texas The Texas Deceptive Trade Practices Act The Truth in Lending Act The Fair Debt Collection Practices Act The Electronic Funds Transfer Act The Uniform Commercial Code XXXX XXXX XXXX XXXX 's multiple violations of these laws have caused me significant harm, and I demand that they be held accountable for their actions.
03/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38118	Web	Servicemember
My previous CFPB complaint was closed without any REAL investigation. I provided a FTC identity theft report as well as proof from of my credit reporting displaying inaccurate reporting from this collection company. If the debt is indeed valid, how is that my XXXX report is showing 100 % PAID... meaning NO PAYMENTS MISSED, while XXXX is missing completely, and XXXX has gaps in payment? This company did NOT do their due diligence into investigating my claim. Instead, I was sent a copy and paste letter with demanding sensitive documents such as a driver license ( which I will NOT provide to a company with such blatant disregard for the law. ) They sent me a contract that has a digital signature of my name ( simply written out as " XXXX XXXX '' ) and nothing else showing that this debt is in fact mine. I will be making a complaint to my state 's attorney general, XXXX XXXX XXXX as well as Mississippi 's attorney general XXXX XXXX XXXX to assist me with combatting the illegal practices of this collection agency. I will not provide you with my driver license. I have provided you with my FTC report and proof of your tacky and inaccurate reporting. This entire dialogue will be forwarded to any government official who can assist me with this.
03/25/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	PA 18018	Web
My account number with them is XXXX I applied for a loan to the sum of {$930.00} for a firearm accessory purchase online. The term was 12 months, at {$93.00} a month. In XXXX of 2022 I called and requested to pay off the remaining balance and made a lump sum payment if {$580.00}. In late XXXX I discovered they still held a balance on the account and had future charges I still owed. Between then and now I have called multiple times to resolve this matter. When I talked to a representative they said that what happened was the representative I talked to in XXXX failed to create a payoff process when I requested to payoff the loan. I would need to speak to the billing department over this issue. The billing department will not return my calls. I've called and emailed numerous times. My last conversation was a week ago in which I used their chat system to talk to a rep about this issue. They assured me that not only would they reach out to billing, a supervisor would call me back. I have not heard back. They refuse to address this issue.
05/24/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	VA 23236	Web
I made a payment of {$480.00} to pay off this {$510.00} loan. XX/XX/XXXX XXXX on the XXXX of XXXX XXXX on the XXXX of XXXX XXXX on the XXXX of XXXX. Total {$600.00}... The {$480.00}. was balance due. This company never sends emails, mail or phone calls... There call is for you to default. We had 90 no-interest. Not getting information on a due date, I missed the 90 day window. I overpaid with interest XXXX.. then for the next 7 months, I get referred to their collection side. They say now I owe {$45.00}. Again, we never got a phone call, email, text, mail or anything that there was a balance. They say they are FDIC. They are not. They are making money based on customers miss the 90 day window as I did.. I would have never used if I had to {$80.00} in interest. I received a phone call at the beginning of XX/XX/XXXX. From XXXX XXXX. They say they are part of Credova. I didn't know what this was.. After 7 months of no contact.. They say I am to log into their app and make sure I am up to date.. I have never downloaded their app.
09/13/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	AL 351XX	Web	Servicemember
On XX/XX/XXXX I purchased a firearm thru XXXX XXXX using Credova which was marketed as a buy now pay later program, In the contract given to me it stated there were XXXX items, when i only purchased XXXX firearm, the documents given to me by XXXX XXXX XXXX, who Credova gave my debt to or whatever, state that the open balance is a little over XXXX dollars, when the firearm i bought and received is worth over just a little over XXXX dollars, this loan is a 0 % APR loan, so logically the open balance should only be XXXX or so dollars, the worth of the firearm. When I spoke with someone at Credova on XX/XX/XXXX, they said that because I went past the 30 day " buyout Period '' at the start of my contract, it DOUBLES the amount of the purchase, that's the verbatim reply of the customer service rep. That sounds absolutely CRIMINAL! No where on the contract does it say " the items value will be doubled if this Early buyout method is not used '', its criminal! XXXX forbid a lawyer takes a look at this!
08/19/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77041	Web	Servicemember
Date Opened : XX/XX/2022 ( during pandemic ) credit balance of {$6600.00}. The first attempt making an special appearance to understand what information was assumed to be. In an attempt to collect a debt credova financial services, authenticated a mortgage using my identity. identity theft is a crime and is reported. violated my personal identity 18 u.s.c1028.4 identity theft 15 u.s.c 1681 a obtaining persons information to file a consumer report as an estate or subdivision agency or government agent. Fraud of information whoever knowing and process identification authentication or false defraud using electronic signatures. I see XXXX XXXX XXXX standing by including to XXXX XXXX XXXX in this collection. A financial interest, a report was pulled under false pretence which is identity theft. This is a claim and debt under mortgage. I have the right to due process. Delete terminate and remove immediately. Please remove. A loyal patron.
05/28/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 302XX	Web
I just received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature
05/24/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77845	Web	Servicemember
Credova illegally sold my account to two other companies. My agreement clearly stated that if my account was to be sold, i was to be notified in writing. That did not occur. They sold my account immediately and I have now been harassed for more than 6 months. The new company has no record of my payments made and can not provide me any information as to who they are or why they hold my account without permission. Additionally, credova tripled the amount due to them in that first 30 days of the installment plan. I have gotten the run around since XX/XX/2022 and no one seems to be able to answer my questions. Additionally, the illegal account holder at the new company also sold my information to a company called XXXX who is now harassing me as well.
05/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OK 744XX	Web
My contract was with Credova. Not the financial service company trying to charge me more after Ive already paid off. Which shortly after obtaining the loan they switched payment methods to XXXX XXXX XXXX XXXX XXXX XXXX Theyve called me at work when Ive asked not to do so. After XXXX and after all of that I paid the full payoff amount XX/XX/XXXX with my taxes. This month they have tried to charge my account and say I still owe {$140.00} which I do not. When I submitted the payment my payoff had a XXXX dollar balance. Now they are trying to intimidate me by saying a few negative reviews is nothing compared to their XXXX years of service. I have the screenshots.
08/27/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TN 370XX	Web
On XXXX I applied fro a loan online with Credova Fin . That requested a picture of my ID, cancelled check and a selfie of me holding my ID. I sent them all three picture. Them then came back and requested a picture of my social security card which I would not send them.I received three approval letters via email today stating I was conditionally approved for XXXX offer. I called them to inform them that I would not send them a picture of social security card.I offered to send them a copy of the first page of my tax return and they said that was unacceptable and the denied the loan. Sound fishy to me.
10/10/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 34120	Web
Credova told me in XXXX that my last payment was in XXXX. In XXXX they send me a notification that they were going to debt my bank account for another payment of {$160.00} They didnt debit my account and instead are coming back saying I owe them another XXXX. So they didnt take the money and instead are calling me 3-4 up to 5 times a day saying they have sent me to collections and need to resolve the issue. This isnt right, they were supposed to debit my account in XXXX and didnt and are now treating me with reporting to credit bureau .
09/15/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	VA 23602	Web
This company is called XXXX XXXX XXXX and they have not answered any of my phone calls in question about a collection that was put on my credit report. It was opened in fraud and this specific company is known for fraud. I have never even heard of this collection. Its stated it was opened on XXXX XXXX and I owe XXXX. I have tried to contact then but I have received no call backs and I put in a dispute and they even said I still owe them money.
01/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22306	Web	Servicemember
I was notified by official mail addressed to me that I was to pay a debt not incurred by myself, but by result of someone acting as myself via using my personal identity in order to create a credit account with a consumer financial platform. I'm actively working with the appropriate agencies as I'm disputing the debt as a result identity theft, as I did not incur said debt that I was notified to pay.
06/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 438XX	Web
Credova, also known as XXXX XXXX. Company contacted me claiming I still owed a " final payment ''. I gave them a credit card and they have not processed the transaction. I contract clearly shows all XXXX payment complete but there system claims there is another payment ( the XXXX now ) due this month. Entire loan was setup on auto pay!
01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	TX 77301	Web

01/08/2024	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	AZ 85345	Web	Servicemember

06/02/2023	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 30127	Web

03/03/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30273	Web

12/23/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MD 21202	Web

03/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33190	Web