| 01/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... .. so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. Acts 1986, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! The following accounts listed on my credit as follows XXXX XXXX XXXX XXXX- over 5 years old debt not mines and was deleted because they couldnt validate and now back on XXXX and XXXX . No contract. Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. ( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion. With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thanks happy holidays XXXX
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| 10/22/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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Here is the letter I received from SpeedyCash.
Attention, After numerous attempts to reach you we haven't received any payment or any positive feedback from your side, as you are not paying your seriousness on this account which means that you are trying to run away from the situation and repeating the same activity which you did before with the loan company. We tried our best to help you on this matter but you are taking this matter lightly.
Account Status : WARRANT IS ACTIVE FOR SEARCH AND SEIZE ( Violation of the Fair Debt Collection Practices Act and Defamation of Character. ) You are hereby notified that a lawsuit has been filed against you for three serious allegations.
The charges with Speedy Cash Inc., pressed on you are 1 ) Violation of Federal Banking Regulation 2 ) Breach of contract with loan the company 3 ) Theft by Deception IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION ATTORNEY : mailto : XXXX Basically all the loan companies working under Speedy cash Inc. are ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Speedy Cash, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ) So, it doesnt matter from which website or from which store you taken out this loan main lender have a rights that they can file complain and recover outstanding balance in the court house.
When the creditor attempted to extract the funds back from you as a repayment, at that time you didnt pay your monthly installment on time. So, as of now rather than chasing you for money the creditor have simply decided to write this money as a loss, as well as declared to be stolen and they pressed charges against you.
Now the affidavit is taken by FDCPA law that means Fair Debt Collection Practices Act under Section 9 Chapter 19.
Now this means just two things for you : 1. ) If you are on any state supervised probation on payroll, then you will need to intimate the officer about this case.
2. ) If you have any prior convictions including but not limited to worthless check, grand theft or money laundering, so please be aware that they shall handle this case as a habitual offense as your state is zero tolerance state.
This is also to inform you that the creditor has all the rights and authorities to inform your employer about this case and what will be the results and consequences comes once this case is downloaded and executed with the judgments against you, it is because you have kept your employers name as a security and also as an additional security two more names were used.
Finally, you have the right to hire an attorney, if you have one or if you can not afford one then one shall be appointed to you. But please make sure that you have someone to help you out regarding this case because once this case is downloaded and executed with judgments against you and if you found guilty under the bench of jury then you have to bear the court charges as a penalty and the Amount is {$18000.00} excluding your bail charges, your attorney charges and the due amount pending on your name.
Finally, your name and Social Security Information would be reported to the three major credit bureaus of USA such as 1. ) XXXX 2. ) XXXX XXXX XXXX 3. ) XXXX Ultimately, it would be affecting your FICO scores by 285 negative points and your social security number would be black listed and you would also never be eligible for all the government benefits and entities.
According to the orders of the court house the State Investigation Department Officers will deliver all the legal documents to your current employer and that can risk your current job and once the judge opens your case for execution legally tomorrow then these charges will be reflecting on your Credit Reports because of which it will be very difficult for you to get a new job in future.
IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION ATTORNEY : mailto : XXXX " Debtor ( You ) has been declared as a guilty by Authorized Law Enforcement Department, Seizure Warrant has been activated under 15 USC 1692g Sec. 809 ( b ) of the FDCPA Unless delayed notice is authorized below, you must give a copy of the warrant and a receipt for the property taken to the person from whom, or from whose premises, the property was taken, or leave the copy and receipt at the place where the property was taken.
The officer executing this warrant, or an officer present during the execution of the warrant, must prepare as required by law and promptly return this warrant. Pursuant to 18 U.S.C. 3103a ( b ), I find that immediate notification may have an adverse result listed in 18 U.S.C. 2705 ( except for delay of trial ), and authorize the officer executing this warrant to delay notice to the person who, or whose property, will be searched or seized.
Note : You will be contacted by your local county authorities. XXXX XXXX XXXX Department is closing this account and declaring as a GUILTY. If we will not receive any feedback from your side, then you will be the only person who will be responsible for any consequences.
NOTE : YOU STILL HAVE CHANCE TO RECTIFY THIS OUTSIDE OF COURT, FOLLOW THE RESOLVEMENT PROCEDURE BELOW IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION ATTORNEY : mailto : XXXX CREDITOR : Speedy Cash Group CASE NO : XXXX Regards, Restitution Head Department Of l Debt Settlement Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your co-operation.
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| 02/06/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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The following was received on XX/XX/XXXX, at XXXX PST Speedy cash Service Department of payday Loan DUE AMOUNT- {$890.00} LOAN COMPANY/LENDER Speedy cash Payday Loan XXXX XXXX XXXX # XXXX Case Consult Operator : Attorney XXXX XXXX XXXX XXXX XXXX TX XXXX
Contact at : mailto : XXXX We are hereby to inform you that you are going to be legally prosecuted in the Court House within a couple of days.
So before something goes wrong we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your Payday Services. At this point, you had made your intentions clear and leave us no choice but to protect our interest in this matter.
UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER If we do not hear from you within 24 hours of the date of this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court costs incurred.
Basically all the loan companies working under Speedy cash Inc. are ( XXXX XXXXt USA, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX USA, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX USA, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, PXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Speedy Cash, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX USA, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ) So, it doesnt matter from which website or from which store you took out this loan main lender have a rights that they can file complaints and recover outstanding balance in the courthouse.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.
As we have shared with you in previous letters, read your loan agreement ; the next step is clearly defined. It could cost us both a great deal of time and money ; you can avoid this by taking care of this now. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.
If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$3600.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name.
We have settlement amount for you with easy Biweekly and onetime settlement amount option.
1. If you can make a one-time payment of {$750.00} ( same day payment ) we can close your case file with this amount only.
2. If you are looking for bi-weekly payment then you have to pay the total amount of {$890.00} with payment arrangement and you can pay {$150.00} bi-weekly till paid in full.
Kindly let us know what type of payment arrangement you are looking for at mailto : XXXX Do provide us with the date on which you can pay so that we can update your account.
Kindly let us know are you willing to resolve this matter out of the courthouse or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Note : This is your last and final chance to settle this case.
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within 2-3 working days. Kindly hire an attorney.
Do revert us ASAP to stop all legal consequences against your Name and SSN.
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.
Kindly let us know what type of payment arrangement you are looking for at XXXX : XXXX Regards, XXXX XXXX XXXX XXXX XXXX.
Copyright XXXX XXXXXXXX XXXX XXXX XXXX XXXX | Privacy | Terms of use | Carrier Speedy cash Service Department of payday Loan DUE AMOUNT- {$890.00} LOAN COMPANY/LENDER Speedy cash Payday Loan Services Case Number # XXXX Case Consult Operator : Attorney XXXX XXXX XXXX , XXXX TX XXXX
Contact at : mailto : XXXX XXXX Case XXXX Your case is under XXXX XXXX XXXX XXXX and your NAME and SSN are listed as a primary subject of defaulter list, so at this time we are not able to speak over the phone, if you want to resolve this case then you need to just email us back.
Regards.
Their response : Kindly provide us with the details of your Debit/Credit card so Accounting Department will charge your card on XX/XX/XXXX.
Amount - {$150.00} Kindly send above details : - Name on Card - Billing Address - Card No. - Expiration Date - CVV - Phone number - Regards.
My response : Im just trying to verify if this is legit, or a scam. Im not going to just give out my debit card to a random stranger via email.
Can you please verify the authentic of the claim and the collection agency?
XXXX XXXX XXXX from my iPhone Their response : Alright please co-operate with your local authorities within the next 2 hrs. with this email, we are stating that your outside of court, resolvement option has been canceled and we are charging you under the following allegations, a ) Violation of federal banking regulation b ) Collateral check fraud c ) Theft by deception NOTE : YOUR WARRANT HAS BEEN ACTIVATED.
Regards.
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| 04/08/2021 |
Yes |
- Debt collection
- I do not know
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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Hello, to whom it may concern my name is XXXX XXXX ( consumer ). I am A federally protected consumer as defined in the FDCPA, 15 U.S.C 1692a ( 3 ) that resign in Utah ; I would like to thank you for the opportunity to let me address my concerns regarding the third party ; AD ASTRA RECOVERY Services INC ( ARS ) Debt collector define in 15 usc 1692a, engaged in the business of a collection agency, using telephone & mail to collect consumer debts for profit, in collection of debts allegedly owed by consumers. ARS has infringed upon my rights to privacy under the Fair Debt Collection Practices Act, ( FDCPA ) 15 U.S.C. 1692 ( a ). On XX/XX/XXXX I entered a consumer credit transaction incurred for personal, family or household purposes, namely a personal consumer loan with Speedy cash, with my accepted credit card presume to 15 usc 1602 a ( I ) under the Truth in Lending Act. In the initial communication SPEEDY CASH has failed to disclose who they are, and what their initial intentions were to attempt to collect a debt, failure to disclose this information is a violation under 15 usc 1692e ( 11 ). Speed cash has used an elaborate scheme to hide costs and take advantage of vulnerable borrowers. I XXXX XXXX ( consumer ) Have noticed Speedy Cash has took a Tax write off on this Charge off account and sold the Debt to AD ASTRA RECOVERY Services INC. Upon my finding and belief, as of the date of exhibit A, the alleged speed cash loan debt and Ad Astra had not Purchased the receivables associated with the account. XXXX ( debt collector ) has communicated with me in connection with the collection of a debt which is a violation Under the FDCPA 15 usc 1692c ( a ) I would like to ask how my location information was acquired, and who provided you consent to communicate with I ( consumer ) which I would like XXXX to provide me my written consent of such action, If the request can not be provided, this will be in direct violation of 15 U.S. Code 1692c ( a ). During my initial communication with XXXX, I requested the debt collector to provide me validation of debt, whom the Original creditor was on that debt and to Cease all further collection efforts regarding to the accounts under federal law 15 usc 1692C ( c ). On XX/XX/XXXX XXXX has communicated with me defined by 15 usc 1692 ( 2 ) with Statements Exhibit A is a form debt collector use to attempt to collect alleged debt. These form fails to validate the request I asked for and the cease & desist request I made clearly with them. This letter was misleading and confusing because it fails to provide the name of the creditor to whom the debt is owed. This form provided information that would allow the least sophisticated consumer to determine the minimum amount he or she owes at the time of the receipt of the letter, this letter failed to provide information that would allow, I to determine what will I need to pay to resolve the debt at the time of the receipt of the letter also this letter failed to provide information that would allow the least sophisticated consumer to detriment the amount of billing fees owed and whether any additional billing fees will be added, the date they be added, & the amount that be added. XXXX used symbols other than the debt collectors address on envelope, which a debt collector may only use the business name if such name does not indicate that he is in the debt collection business. Which is a violation of 15 usc 1692F ( 8 ). Also, XXXX have accused me ( consumer ) of this alleged debt which is a violation under federal law 15 usc 1692b ( 1 ) ( 2 ) In Exhibit A, XXXX states that AD Astra reviewed its accounts information with its clints but does not identify who Ad Astas client is, nor state the name of the current creditor. In Exhibit A XXXX states that Speedy Cash is the Original Creditor But also states that the debt was assigned on XX/XX/XXXX which in fact this firm was just the creditor of the credit sale. Although the letter identified the correct creditor, it did not identify it as the current creditor. It instead labeled the creditor as the Original Creditor. The letter therefore was misleading to whom the Original creditor is not the current Creditor. This debt collector clearly did not make it clear that the original creditor is the current creditor. XXXX has harassed me to coerce payment on a debt that they have advertised to me which has ruined my reputation by furnishing my information publicly without my consent this Is a violation of 15 usc 1692d ( 1 ) ( 4 ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. Any person who receives a debt collection letter containing a violation of the FDCPA is a victim of abusive practice. See 15 usc 1692 ( e ) This is the 2nd time I have disputed the validity of this debt, and for this debt collector to cease further Communication with me through any median. I have sent my document to them certified mail with return recipe to keep a file if litigation process is needed on XX/XX/XXXX. I the original creditor I am requesting actual and statutory damages brought by Defendant AD ASTRA RECOVERY SERVICES INC for violating the FAIR DEBT COLLECTION PRACTICE ACT, 15 U.S.C 1692 et seq Which prohibits debt collectors from engaging in abusive, deceptive, and unfair debt collection practices this is a violation of 15 usc 1692g ( 5 ). 15 usc 1692e ( 10 ) prohibits the " use of any false representation or deceptive means to collect or attempt to collect any debt. I request all further collection efforts against I ( XXXX ) regarding the accounts and any negative credit reporting be removed off any database. In addition, to the damages I am requesting five thousand five hundred ( 5,500 ) to settle. If this offer is not accepted, my next step will be taking this case to legal proceeding to litigation.
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| 04/08/2021 |
Yes |
- Debt collection
- I do not know
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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Hello, to whom it may concern my name is XXXX XXXX XXXX consumer ). I am A federally protected consumer as defined in the FDCPA, 15 U.S.C 1692a ( 3 ) that resign in XXXX XXXX I would like to thank you for the opportunity to let me address my concerns regarding the third party ; AD ASTRA RECOVERY Services INC ( ARS ) Debt collector define in 15 usc 1692a, engaged in the business of a collection agency, using telephone & mail to collect consumer debts for profit, in collection of debts allegedly owed by consumers. ARS has infringed upon my rights to privacy under the Fair Debt Collection Practices Act, ( FDCPA ) 15 U.S.C. 1692 ( a ). On XX/XX/XXXX I entered a consumer credit transaction incurred for personal, family or household purposes, namely a personal consumer loan with XXXX XXXX with my XXXXXXXX XXXX card XXXX to 15 usc 1602 a ( I ) under the Truth in Lending Act. In the initial communication SXXXX XXXX has failed to disclose who they are, and what their initial intentions were to attempt to collect a debt, failure to disclose this information is a violation under 15 usc 1692e ( 11 ). XXXX XXXX has used an elaborate scheme to hide costs and take advantage of vulnerable borrowers. I XXXX XXXX ( consumer ) Have noticed XXXX XXXX has took a Tax write off on this Charge off account and sold the Debt to AD ASTRA RECOVERY Services INC. Upon my finding and belief, as of the date of exhibit A, the alleged XXXX XXXX loan debt and Ad Astra had not Purchased the receivables associated with the account. ARS XXXX debt collector XXXX has communicated with me in connection with the collection of a debt which is a violation Under the FDCPA 15 usc 1692c ( a ) I would like to ask how my location information was acquired, and who provided you consent to communicate with I ( consumer ) which I would like ARS to provide me my written consent of such action, If the request can not be provided, this will be in direct violation of 15 U.S. Code 1692c ( a ). During my initial communication with ARS, I requested the debt collector to provide me validation of debt, whom the Original creditor was on that debt and to Cease all further collection efforts regarding to the accounts under federal law 15 usc 1692C ( c ). On XX/XX/XXXX ARS has communicated with me defined by 15 usc 1692 ( 2 ) with Statements Exhibit A is a form debt collector use to attempt to collect alleged debt. These form fails to validate the request I asked for and the cease & desist request I made clearly with them. This letter was misleading and confusing because it fails to provide the name of the creditor to whom the debt is owed. This form provided information that would allow the least sophisticated consumer to determine the minimum amount he or she owes at the time of the receipt of the letter, this letter failed to provide information that would allow, I to determine what will I need to pay to resolve the debt at the time of the receipt of the letter also this letter failed to provide information that would allow the least sophisticated consumer to detriment the amount of billing fees owed and whether any additional billing fees will be added, the date they be added, & the amount that be added. ARS used symbols other than the debt collectors address on envelope, which a debt collector may only use the business name if such name does not indicate that he is in the debt collection business. Which is a violation of 15 usc 1692F ( 8 ). Also, ARS have accused me ( consumer ) of this alleged debt which is a violation under federal law 15 usc 1692b ( 1 ) ( 2 ) In Exhibit A, ARS states that AD Astra reviewed its accounts information with its clints but does not identify who Ad Astas client is, nor state the name of the current creditor. In Exhibit A ARS states that XXXX XXXX is the Original Creditor But also states that the debt was assigned on XX/XX/XXXX which in fact this firm was just the creditor of the credit sale. Although the letter identified the correct creditor, it did not identify it as the current creditor. It instead labeled the creditor as the Original Creditor. The letter therefore was misleading to whom the Original creditor is not the current Creditor. This debt collector clearly did not make it clear that the original creditor is the current creditor. ARS has harassed me to coerce payment on a debt that they have advertised to me which has ruined my reputation by furnishing my information publicly without my consent this Is a violation of 15 usc 1692d ( 1 ) ( 4 ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. Any person who receives a debt collection letter containing a violation of the FDCPA is a victim of abusive practice. See 15 usc 1692 ( e ) This is the 2nd time I have disputed the validity of this debt, and for this debt collector to cease further Communication with me through any median. I have sent my document to them certified mail with return recipe to keep a file if litigation process is needed on XX/XX/XXXX. I the original creditor I am requesting actual and statutory damages brought by Defendant AD ASTRA RECOVERY SERVICES INC for violating the FAIR DEBT COLLECTION PRACTICE ACT, 15 U.S.C 1692 et seq Which prohibits debt collectors from engaging in abusive, deceptive, and unfair debt collection practices this is a violation of 15 usc 1692g ( 5 ). 15 usc 1692e ( 10 ) prohibits the " use of any false representation or deceptive means to collect or attempt to collect any debt. I request all further collection efforts against XXXX XXXX XXXX XXXX regarding the accounts and any negative credit reporting be removed off any database. In addition, to the damages I am requesting five thousand five hundred ( 5,500 ) to settle. If this offer is not accepted, my next step will be taking this case to legal proceeding to litigation.
|
| 11/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. AD ASTRA REC ( Original Creditor : XXXX SPEEDYCASH COM XXXX TX ) bal. {$1300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( XXXX ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than fouXXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX, Iowa XXXX
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| 11/29/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C XXXX 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. AD ASTRA RECOVERY SERVIC & {$2400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 10/27/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. 12 SPEEDYCASH COM 166 OH bal. {$290.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. SPEEDYCASH XXXX XXXX LA bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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| 12/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : XXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX XXXX ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( XXXX U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. XXXX XXXX XXXX TX XXXX {$590.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/29/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The FederaXXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SPEEDYCASH COM & {$520.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
|
| 11/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SPEEDY CASH bal. {$870.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX
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| 09/29/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. AD ASTRA REC bal. {$760.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
|
| 10/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. 12 SPEEDYCASH COM 166 OH bal. {$110.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa City, XXXX XXXX
|
| 12/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. AD ASTRA REC bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX Iowa XXXX
|
| 10/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. SPEEDYCASH.COM XXXX XXXX {$250.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 01/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXXXXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. AD ASTRA REC bal. $ {$590.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
| 12/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SPEEDY CASH bal. {$1000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
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| 09/29/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. 12 SPEEDYCASH COM 166 OH bal. {$520.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 10/28/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXXXXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. 01 SPEEDY CASH bal. {$490.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX
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| 07/29/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SPEEDYCASHCOM bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
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| 12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I received a response to my dispute from Ad Astra Recovery Services, however, they did not provide the necessary documents to VALIDATE the account. As stated before this not my account. They claim to have provided an original contract, however I did not sign this contract and they have not provided proof that I authorized this account. They also forwarded a letter they claim was from the " alleged '' original creditor, however, I have never received this letter. If they believe I have received that letter then they should provide the Certified mail return receipt for same. Today, XX/XX/2022 was the first time that I have received any correspondence from this " alleged '' collection agency with the attached XXXX XXXX XXXX XXXX XXXX XXXX. I requested the following information from them : To Whom It May Concern : Be advised that your claim is disputed and validation is requested.
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following.
Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for AD ASTRA RECOVERY SERVICES in case legal action becomes necessary.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
They did not provide the original agreement between them and the " alleged '' creditor that shows they have the right to collect on said debt. They did not provide a contract that bears my signature. They provided a contract that was typed up, but it does not bear my handwritten signature nor does it show any evidence that I, myself agreed to this. The document looks forged.
They also did not provide the following : Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
This " alleged '' debt from the " Alleged '' original creditor does not show up on any of my credit reports. I was never informed of this and have no knowledge of this account, nor have I agreed to nor have any of my representatives agreed to anything dealing with this account or any other " alleged '' account relating to it.
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| 03/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Vehicle was repossessed or sold the vehicle
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Web |
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THIS ORIGINAL COMPLAINT # XXXX WAS RESPONDED TO THIS WAY.
I AM A XXXX. THERE WAS NO XXXX XXXX AT THAT TIME. THE PERSON WHO THEY SPOKE TO WAS ME. THEY ADMIT I THOUGHT IT WAS A PAYDAY LOAN. I THOUGHT IT WAS DONE BY MY XXXX. WHOM HAS NEVER BEEN TO XXXX. SO HOW CAN THIS BE A XXXX THAT DOESNT EXIST. THEY ARE SAYING WHAT IS THEIR BELIEF TO BE TRUE. BUT THE OWNER OF THE VEHICLE WAS AND STILL IS XXXX XXXX A MAN. THAT BEING THE CASE... .MY CONVERSATIONS WITH THEM AT THE TIME... WAS IN BELIEF THAT THIS WAS AN " ONLINE PAYDAY ADVANCE LOAN ''. WHICH THEY ALSO CONFIRM. I BEGAN COMPLAINTS WHEN I FOUND OUT IT WAS A TITLE LOAN. THEIR RESPONSES TO A " XXXX XXXX ''. THAT DOESNT EXIST... AND NEVER COULD HAVE GOTTEN A TITLE LOAN. MY SOCIAL SECURITY NUMBER IS THAT OF A XXXX THEM SAYING " SHE WENT INTO STORE AND OPENED LOAN ''. VALIDATES MY CLAIMS. THEY ARE FRAUDULENTLY REPLYING WITH STATEMENTS THAT CAN NOT BE TRUE OR PROVEN AS I AM A MAN. NO GENDER RE-ASSIGNNENT. SO HOW CAN ANY OF " XXXX XXXXXXXX 'S RESEARCH '' BE VALID THEY SAY SO THROUGHOUT THEIR ENTIRE RESPONSE WHEN I CALLED ... .THEY SPOKE WITH ME. THE TERMS I AGREED TO WERE WHEN I THOUGHT IT WAS A PAYDAY LOAN. I EVEN FILED A COMPLAINT AGAINST THEM INTITALLY. THEIR RESPONSE IS WHEN I FOUND OUT ABOUT THE WAY LOAN WAS OBTAINED.
SO " A WOMAN ''. ENTERED STORE ''. A WOMAN CALLED THEM ... .A WOMAN MADE ARRAINGEMENTS. A WOMAN CALLED AGAIN ... AND A WOMAN OWNED CAR. THEY DID RESEARCH THAT VALIDATES I AM A WOMAN AND DID THESE THINGS IF THEY CAN PROVE THEIR RESEARCH ... .ILL PAY IT JUST ON THAT. ID LOVE TO SEE WHAT THEY HAVE THAT VALIDATES THEIR CLAIMS. I HAVE PROOF IM A XXXX. SO ... ON THAT ALONE WE ARE LOOKING AT SOME TYPE OF FRAUD. THE VIN # XXXX WAS REGISTERED TO A XXXX IN XXXX. NOT A XXXX... .I WAS XXXX AND THE VEHICLE WAS XXXXXXXX XXXX DURING THAT TIME.
THEY EVEN THINK THAT " XXXX XXXX XXXX IS FILING THESE COMPLAINTS. SO BASED ON THAT ALONE ... WHAT RESEARCH COULD HAVE BEEN DONE TO VALIDATE THEIR CLAIMS OF THIS BEING MY LOAN.
THEY ALSO VALIDATE MY CLAIM OF NOT KNOWING ABOUT THIS LOAN THEY STATE " XXXX XXXXXXXX THOUGHT THIS WAS A PAYDAY LOAN... WAS INFORMED IT WAS A TITLE LOAN ''.
I DONT KNOW THIS LOAN. IM A XXXX.
THEY SAY IT IS MINE AND IM A XXXX AND THEY HAVE RESEARCHED IT AND IT TRUE CANT BE BOTH. I HAVE PROOF. SHOW ME IM XXXX XXXX AND I WALKED INTO STORE. SHOW ME A XXXX XXXX OWNING THAT VEHICLE. MY SOCIAL SECURITY NUMBER VALIDATES THAT IN ITS OWN.
ITS COST ME OVER THE LAST XXXX PLUS YEARS.
AND STILL IS NOW.
SPEEDY CASH GAVE THEM THIS. THEY ARE SAYING XXXX XXXX CAME IN THEIR. HOW.. IM A XXXX ... .THAT IN AND OF ITSELF IS NOT RIGHT... .SO WHAT ELSE ISNT.
STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation XXXX 's Response Speedy Cash is in receipt of the complaint filed with the Consumer Financial Protection Bureau ( CFPB ) by XXXX XXXX XXXX. Speedy Cash understands that XXXX XXXX CFPB complaint relates to debt collection practices. Speedy Cashs records reflect that XXXX XXXX visited a Speedy Cash located in XXXX, XXXX and applied for and obtained an installment title loan on XX/XX/XXXX in the principal amount of {$990.00}. It is important to note that XXXX XXXX did not obtain a payday loan. She obtained a title loan where she provided the vehicle registration for her XXXX XXXX XXXX as security interest. The loan was obtained at XXXX XXXX XXXX XXXX dba A Speedy Cash Car Title Loans and not at a payday loan company. Speedy Cash does not operate as a payday loan lender in Arizona. XXXX XXXX loan is valid and legal. The loan was contracted to be repaid in XXXX monthly payments of {$140.00} and a final payment of {$140.00} due on XX/XX/XXXX. Records show that XXXX XXXX did not make any payments on the loan and the account went into past due status on XX/XX/XXXX. Thereafter, collection activities commenced as allowed by law. Speedy Cash attempted to contact XXXX XXXX in in an effort to assist with repayment but were unsuccessful. The outstanding loan account was placed with a third-party debt collection agency, Ad Astra Recovery Services , Inc. XXXX Ad Astra ) XXXX on XX/XX/XXXX as a result of its delinquent status. Upon receiving the account, Ad Astra sent a validation letter to XXXX XXXX. When XXXX XXXX did not dispute the validity of the debt within XXXX days of receiving the letter, the debt was assumed to be valid. Ad Astra also attempted to contact XXXX XXXX to offer repayment options, however, when they were unsuccessful, they began reporting the collection status of the delinquent loan account to credit reporting agencies ( XXXX ) on XX/XX/XXXX as allowed by contract. Ad Astra spoke with XXXX XXXX on XX/XX/XXXX and offered her a settlement of XXXX and agreed to waive the remaining balance of {$500.00} ; however, XXXX XXXX did not make the payoff. The same settlement was offered in XX/XX/XXXX and payoff was not made then either. XXXX XXXX has submitted several disputes in accordance with her rights under the Fair Credit Reporting Act ( XXXX ). Ad Astra has investigated the dispute and responded appropriately. After a thorough investigation, Speedy Cash believes Ad Astra faithfully complied with its obligations under the XXXX XXXX and applicable state laws and there is no basis in which to conclude that the information reported to the XXXX is inaccurate. XXXX XXXX is encouraged to contact Ad Astra at XXXX to make arrangements to satisfy the outstanding debt, or with any further questions regarding her loan account.
|
| 05/08/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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This company since the beginning of the pandemic has taken advantage of peoples fears and being extra stressed about keeping their employment and life together. I have recieved over 20 calls since XX/XX/XXXX about this debt from various and increasingly aggressive agents. I then got a really strange and threatening text on XX/XX/XXXX but go so freaked out by it, I deleted it. Now I believe this company has some sort of leak or bad agent who somehow has access to their records and to pose as if they are them to be able to freely violate FDCPA law as please see now the emails I've started recieving since XX/XX/XXXX. I still have a physical copy as well to attach to complaint. The following email shows all the threats they have been saying over the phone to me. It is truly awful to deal with this while already being hurt financially and being scared to hold onto my job and integrity without having daily aggressive harassment added to it.
Here is the email : Speedy cash Service Department of payday Loan DUE AMOUNT- {$890.00} LOAN COMPANY/LENDER Speedy cash Payday Loan Services Case Number # XXXX Case Consult Operator : Attorney XXXX XXXX XXXX XXXX XXXX TX .
Contact at : mailto : XXXX We are here to inform you that you are going to be legally prosecuted in the Court House within a couple of days.
So before something goes wrong we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your Payday Services. At this point, you had made your intentions clear and leave us no choice but to protect our interest in this matter.
XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER If we do not hear from you within 24 hours of the date of this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court costs incurred.
Basically all the loan companies working under Speedy cash Inc. are ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Rapid Cash, XXXX XXXX, Speedy Cash, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ) So, it doesnt matter from which website or from which store you took out this loan main lender have rights that they can file complain and recover outstanding balance in the courthouse.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.
As we have shared with you in previous letters, read your loan agreement ; the next step is clearly defined. It could cost us both a great deal of time and money ; you can avoid this by taking care of this now. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.
If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$3600.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name.
We have a settlement amount for you with easy Biweekly and onetime settlement amount option.
1. If you can make a one-time payment of {$750.00} ( same day payment ) we can close your case file with this amount only.
2. If you are looking for bi-weekly payment then you have to pay the total amount of {$890.00} with payment arrangement and you can pay {$150.00} bi-weekly till paid in full.
Kindly let us know what type of payment arrangement you are looking for at mailto : XXXX Do provide us with the date on which you can pay so that we can update your account.
Kindly let us know are you willing to resolve this matter out of the courthouse or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Note : This is your last and final chance to settle this case.
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within 24 hours. Kindly hire an attorney.
Do revert us ASAP to stop all legal consequences against your Name and SSN.
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.
Kindly let us know what type of payment arrangement you are looking for at mailto : XXXX Regards, XXXX XXXX XXXX XXXX XXXX.
Copyright XXXX XXXX XXXX XXXX XXXX XXXX | Privacy | Terms of use | Carrier
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| 02/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Money was taken from your bank account on the wrong day or for the wrong amount
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Web |
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FORMAL SERVICE COMPLAINT AGAINST : Speedy Cash XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX www.speedycash.com To Whom It May Concern : I would like to file a formal complaint against a payday loan company Speedy Cash. I had a loan from the company that was taken out in XX/XX/XXXX to cover an increased insurance premium from a car accident my XXXX daughter who had just gotten her license in XX/XX/XXXX incurred. My insurance provider XXXX XXXX contacted me letting me know the premium would increase by {$2000.00} and then monthly payments would go from {$330.00} to {$620.00}.
With no other options or savings I went to Speedy Cash to cover the amount because my insurance is set to automatic payments. I worked with XXXX to make arrangements and was able to lower the amount to {$1400.00} with additional discounts.
I originally expected to pay off the loan immediately but inadvertently ran into a number of financial issues ( no child support received, work bonus not granted ).
As a result the loan was extended out much longer than I anticipated. I was upset but had no choice and continued making the outrageous interest payments of {$400.00} bi-weekly estimating to {$800.00} per month just for the interest and then having problems paying the loan off and hence affecting my personal budget.
I contacted Speedy Cash on a couple of instances in the fall and let them know my situation. I asked if there was a program or allowance where since I had already paid back so much interest that I could pay just the principal. I had done this years ago with another lender where if you had financial problems you could request and they then took the full amount of the loan and broke it down into 4-6 payments so that you could pay it off. You could only use the option once per year. Speedy Cash informed me that they had no such options to assist me and stated if you were having problems paying back the loan the only thing I could do was make the payment or they could help by pushing the date out a few days to a week. I asked what if I didnt have the money in my account and she said they would only work with you if the account bounced or payment returned. I told her I didnt want to bounce a check or have ISF fees I simply wanted to make arrangements with them to pay off the loan with limited interest as I had gotten over my head with the debt and needed to find a way out as I had been paying the {$800.00} payment over 6 months.
I realized in XX/XX/XXXX that my XXXX XXXX debit card was set to expire in XX/XX/XXXX. Speedy Cash sent me multiple emails and phone calls asking me to update the card last email was XX/XX/XXXX.
I chose not to update the card in hopes that it would be declined since they had no active card and hence I could start the process to request assistance from Speedy Cash in paying off the debt.
Typically Speedy Cash will send emails in regards to your payment being due and also call you with reminders. I received none of those calls in XX/XX/XXXX. On XX/XX/XXXX Speedy Cash charged my XXXX XXXX account with the full amount due of {$2500.00}. This transaction was done without my knowledge or authorization. I had no idea the payment had been submitted until a few days later when I got a notice from XXXX about insufficient funds and then an email from Speedy saying thank you for your payment.
Needless to say I was beyond upset. As a result of their actions : I was charged {$320.00} in ISF fees and the action affected multiple payments that I had scheduled Money I had slated to go to XXXX XXXX XXXX XXXX was not there and hence I was charged ISF fees from their credit union on my checking account My credit card payment from XXXX, XXXX and another card was then denied and then they as well charged me a {$39.00} fee for each card and transaction.
My rent payment could not be made and I had to contact my landlord and was stressed about being put out of my home.
As a result of their actions my credit score and history are now negatively affected because Im showing 3 missed payments when in the past I had 0 missed payments.
It also greatly affected my health and I had XXXX XXXX XXXX in the span of 2 weeks. My account was overdrawn by approximately {$1800.00} for two weeks and of course when I got paid I was still behind due to the negative amount. I have had to drastically alter my life and was unable to buy essentials.
I have had issues with Speedy Cash in the past where they inadvertently charged the wrong bank card on my account. At that time it was brought to their attention and they did nothing. Sometime later after they were sued they reached out to me and requested that I send the documentation for the ISF fees and sent me a check but it was almost a year later. While I understand businesses have issues their problems seem systemic.
As a consumer and single parent with middle-class income I would like to be compensated for duress, anxiety and financial mess that they created. I also want some sort of consumer protection against being taking advantage of. I understand that I chose the loan but the interest rates are beyond unacceptable. No one would take out a payday loan if we did not have to but that does not give Speedy Cash or any other lender rights to take advantage of consumers.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Mobile : XXXX Email : XXXX XXXX
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| 04/23/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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I received an email today regarding an old debt that I have already paid. I paid this debt due to the same tactic that is being used now approx. 5-6 years ago. This debt is from a loan I received in 2009. Please see below the email : From : US Attorney-General [ mailto : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Sent : Friday, XX/XX/XXXX XXXX AM To : XXXX XXXX XXXX XXXX Subject : [ EXTERNAL ] PAYMENT DUE ; ARREST WARRANT I'D : - XXXX ARREST WARRANT I'D : - XXXX WHICH WILL BE GOING TO RELEASE ON MONDAY MORNING XXXX Name-XXXX XXXX, Address XXXX XXXX XXXX XXXX Apt., XXXX XXXX XXXX XXXX Id Proof-XXXX Date of Birth-XX/XX/XXXX IP XXXX Employed Name -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Routing Number-XXXX Account Number-XXXX Lawsuit Cost - {$4500.00} ( Including Attorney Fee/Court Fee/All Taxes ) CASE NO - # XXXX CUSTOMER ID # : XXXX CREDIOR SPEEDY CASH/REPAID CASH Total Amount - {$1000.00} Settlement Amount - {$390.00} ( TODAY ) Attention!!!!!
With this mail, I want to draw your attention towards the amount due from your side which is {$1000.00} and this is your final settlement amount {$390.00}. Under the current sad and scary situation of Pandemic due to New Covid-19 Virus, The U.S. Govt. is providing this offer to the citizens to get free of their loans.
Important Note : This is an automated system generated notice based on customers records.
Note : This is the last and final chance for you. Do not reply to this email. If you want To make the payment you would have to contact our email address at Attorney @ law -- enforcement.com.
This Legal Proceedings issued on your Docket Number : - XXXX with one of SPEEDY CASH SERVICE. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of Speedy Cash Service has decided to mark this case as a flat refusal and press legal charges against you.
CASE NO : XXXX Amount Outstanding : {$1000.00} Dear Debtor, We have sent you this warning notification about legal proceedings of XX/XX/XXXX but you failed to respond on time now its high time if you failed to respond in next 4 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished.
Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.
You can Email back to get the payment mode too.
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$6300.00} and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future.
Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your door step.
WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.
NOTE : THIS CASE IS UNDER INVESTIGATION UNDER MAJOR CREDIT BUREAUS.
IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY REPLY THIS EMAIL DURING WORKING HOURS BETWEEN XXXX AM TO XXXX PM ( EST ) FROM MONDAY TO SATURDAY AND YOU WILL BE ANSWERED SHORTLY.
TERMS & CONDITIONS YOU AGREED.
By electronically signing this XXXX XXXX by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.
Best Wishes.
XXXX XXXX, Restitution Department Speedy Cash Service XXXX XXXX XXXX, XXXX XXXX, CA-XXXX Phone : XXXX XXXX Fax : XXXX XXXX Reply!
Collections & Legal Department SPEEDY CASH INC. | Privacy | Copyright XXXX |Terms of us -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.
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| 03/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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15 USC 1692 - Congressional findings and Declaration of purpose ( a ) Abusive practices : There is an abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of bankruptcies, marital instabilities, loss of jobs, and invasions of individual privacy.
AD ASTRA RECOVERY SERVICES purchased a debt that consumer doesn't recognize on XX/XX/2022 on consumer in an allegedly owed of XXXX dollars and reported alleged debt on consumer to XXXX the same year. Consumer reached out multiple times to try and correct the issue at hand but consumer never got relief and reporting item continued to stay on consumers report in order to harm consumers integrity in ADVERSITY. GROUNDS FOR IMMEDIATE DELETION. AD ASTRA RECOVERY SERVICES intentionally did not remove account reported in an attempt to coerce consumer into paying a debt that is not lawfully owes to AD ASTRA RECOVERY SERVICES which is a violation of 15 USC 1692e -False and Misleading representation by character, amount and legal status of debt ; services rendered ; threat to take actions that legally can not be taken. Consumer demands award of XXXX dollars for violation. GROUNDS FOR IMMEDIATE DELETION Account was sold for profit which voids any original contract if XXXX existed and furthermore makes any presumption null and void on any alleged debt owed. AD ASTRA RECOVERY SERVICES reported to XXXX as if they are an original lender under lawful operations to collect a debt owed to them and furthermore violates consumer rights by way of misuse of consumer report per XXXX USC 1681b. Consumer demands award of XXXX dollars for violation as permitted by law. AD ASTRA RECOVERY SERVICES violated consumer law 15 USC 1681b ( a ) ( 2 ) by way of transfer of false information to XXXX without the consent of the consumer and in doing so violates 49 CFR subsection 801.56 Unwanted invasion of personal privacy which also violates my right to privacy which I have a right to per 15 USC 1681 ( a ) ( 4 ). Consumer demands award of XXXX dollars for violation as permitted by law. AD ASTRA RECOVERY SERVICES violated consumers rights by way of extortionate means per 18 USC 894a ( 1 ) ( 2 ). Consumer demands award of XXXX x XXXX as permitted by law. AD ASTRA RECOVERY SERVICES violated consumers rights by way of coercion by forcing an invalid contract on consumer to which consumer did not enter into with. AD ASTRA RECOVERY SERVICES. AD ASTRA RECOVERY SERVICES violated consumers rights by reporting false, invalid, unverifiable inaccurate information on consumer to XXXX knowing that it would bring harm to the consumer and in doing so violates 15 1692g ( e ) by falsely making a self determination that consumer is in admission of liability for any allegedly owed debt. AD ASTRA RECOVERY SERVICES violates consumers rights per 15 USC 1692j by furnishing deceptive forms by coercion that consumer owes AD ASTRA RECOVERY SERVICES anything that could possibly show a preponderance of evidence that a BONA FIDE agreement exists and shall be held liable for damages under 15 USC 1692k. Consumer demands award of XXXX dollars for violation as permitted by law. AD ASTRA RECOVERY SERVICES violates consumers rights per 15 USC 1682a Congressional findings and Declaration of purpose under abusive practice clause. AD ASTRA RECOVERY SERVICES violates consumers rights by violating the term debt collector per 15 USC 1692a ( 6 ) by false representation that an instrumentality of interstate commerce for Principal Purposes was valid and due for collection ; That AD ASTRA RECOVERY SERVICES is attempting to collect his or her own debt ; Or the use of an instrumentality of interstate commerce who's Principal Purpose is to enforce a security interest. AD ASTRA RECOVERY SERVICES violates consumers rights per 15 USC 1692c ( a ) by way of communicating with the consumer generally without prior consent, directly and indirectly by the non consensual communication of consumers XXXX Consumer Report. AD ASTRA RECOVERY SERVICES violates consumers rights by ignoring Cease and Desist letter sent by consumer to AD ASTRA RECOVERY SERVICES upon proof of validation of alleged debt. AD ASTRA RECOVERY SERVICES violates consumers rights per 15 USC 1692d ( Harassment and Abuse ) through use of criminal means to harm the reputation of consumer through publication ( XXXX ) without meeting the requirements of 15 USC 1681a ( f ) or 15 USC 1681b ( 3 ). AD ASTRA RECOVERY SERVICES violates consumers rights per 15 USC 1692d ( 4 ) by advertisment for sale of any debt to coerce payment of the debt. AD ASTRA RECOVERY SERVICES and XXXX trafficked consumers private information which violates Human trafficking laws in which consumers information was transferred and sold out for money to whoever has membership with XXXX. Consumer demands immediate award per violation as well as immediate deletion of account from All consumer reporting agencies of all platforms. Consumer reserves all rights not to be compelled to perform under any contracts or commercial agreements that consumer did not enter into knowingly, voluntarily or intentionally and furthermore consumer does not accept any liability of any compelled benefit of any unrevealed contract or commercial agreement
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| 04/06/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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I received this scam email. They have my personal information. This Speedy Loan doesnt offer loans in my state and I never took a loan out with them. They have my SS number, drivrers license number and where I bank which is very troublesome. ( I have removed that info in the email as it has been shared enuf. ) XXXX ARREST WARRANT I'D : - XXXX WHICH WILL BE GOING TO RELEASE ON MONDAY MORNING XXXX Name- Address SSN- Phone Number - Date of Birth- Loan Date And Time XX/XX/XXXX XXXX XXXX IP Address-not collected ID Proof Number- Employer Name - Bank -XXXX Account Number-XXXX Routing Number XXXX Lawsuit Cost - {$4500.00} ( Including Attorney Fee/Court Fee/All Taxes ) CASE NO - # XXXX CUSTOMER ID # : XXXX CREDIOR SPEEDY CASH/XXXX XXXX Total Amount - {$1000.00} Settlement Amount - {$390.00} ( TODAY ) Attention!!!!!
With this mail, I want to draw your attention towards the amount due from your side which is {$1000.00} and this is your final settlement amount {$390.00}. Under the current sad and scary situation of Pandemic due to New Covid-19 Virus, The U.S. Govt. is providing this offer to the citizens to get free of their loans.
Important Note : This is an automated system generated notice based on customers records.
Note : This is the last and final chance for you. Do not reply to this email. If you want To make the payment you would have to contact our email address at Attorney @ law -- enforcement.com.
This Legal Proceedings issued on your Docket Number : - XXXX with one of SPEEDY CASH SERVICE. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of Speedy Cash Service has decided to mark this case as a flat refusal and press legal charges against you.
CASE NO : XXXX Amount Outstanding : {$1000.00} Dear Debtor, We have sent you this warning notification about legal proceedings of XX/XX/XXXX but you failed to respond on time now its high time if you failed to respond in next 4 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished.
Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.
You can Email back to get the payment mode too.
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$6300.00} and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future.
Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your door step.
WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.
NOTE : THIS CASE IS UNDER INVESTIGATION UNDER MAJOR CREDIT BUREAUS.
IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY REPLY THIS EMAIL DURING WORKING HOURS BETWEEN XXXX XXXX TO XXXX XXXX ( EST ) FROM MONDAY TO SATURDAY AND YOU WILL BE ANSWERED SHORTLY.
TERMS & CONDITIONS YOU AGREED.
By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.
Best Wishes.
XXXX XXXX, Restitution Department Speedy Cash Service XXXX XXXX XXXX, XXXX XXXX, XXXX Phone : XXXX XXXX Fax : XXXX XXXX Reply!
Collections & Legal Department SPEEDY CASH INC. | Privacy | Copyright XXXX |Terms of us -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.
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| 02/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Received a loan you didn't apply for
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|
Web |
Servicemember |
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On XXXX I received an email from Speedy Cash in regard to a balance that I apparently had owed to them from a so called lawyer that sent me the email ; I then looked up the website on the internet and gave them a friendly call to look me up to see if I had an actually active account, the person I did talk today XXXX, the person I spoke with could only find where my name had popped up that I had once applied for a loan but that the application was never submitted back to get approved, it only showed n the computer on their end, an application had been started but never submitted back for approval, and there was no active accounts/ no delayed accounts/ no pending accounts nor any accounts in negative standing, NO ACCOUNT AT ALL but yet I get this threatening email as follows below ; SPEEDY CASH SERVICE Attention, LAWSUIT COURT CASE FILE NO : # XXXX LAWSUIT COST - {$1700.00} ( INCLUDING ATTORNEY FEE/COURT FEE/ALL TAXES ) SETTLEMENT AMOUNT - {$850.00} CONTACT AT : XXXX : XXXX Case Number : - # XXXX SUBJECT : LOAN Settlement AMOUNT- {$850.00} Contact XXXX XXXX XXXX XXXX : XXXX We are hereby to inform you that you are going to be legally prosecuted in the Court House within a couple of days . So, before something goes wrong, we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your Payday Services. At this point, you had made your intentions clear and leave us no choice but to protect our interest in this matter.
XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER NOTE : - We are in a process to block your Social Security number and inform all the Major Credit Bureaus as well.
NOTE : - The Legal Charges Section 19 ( A ), Clause 21 ( US ) is against you and if you ignore this case then our legal department will take immediate action you.
If we do not hear from you within 24 hours of the date of this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court costs incurred.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.
We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$1700.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name.
We have settlement amount for you with easy weekly and a one-time settlement amount option below, kindly reply soon with your final intention regarding this case.
You will have to submit {$590.00} today and close this case outside of court with the onetime case settlement plans You will have to submit an amount which is acceptable of {$280.00} today to put this case on hold outside of the courthouse and the rest payment with {$280.00} weekly instalments till the loan amount {$850.00} paid in full Get back to us ASAP before the charges have been pressed against you into the court of law.
REPLY EMAIL BACK IMMEDIATELY WITH YOUR FINAL ANSWER SO I CAN MOVE ON FURTHER ON THE BASIS OF YOUR ANSWER at : XXXX : XXXX Kindly let us know are you willing to resolve this matter out of the courthouse, or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Talking about the creditor Speedy Cash is the mother company which owns & operates more than XXXX parental payday loan websites XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, SPEEDY CASH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX etc. And you have used One of this to get this loan approved. as a user of the products and/or services offered by a Speedy cash Related Company .
Note : This is your last and final chance to settle this case.
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within 2 working days. Kindly hire an attorney.
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.
Kindly let us know what type of payment arrangement, you are looking for at : XXXX XXXX XXXX Regards, XXXX XXXX XXXX XXXX XXXXXXXX.
Copyright XXXX XXXXXXXX XXXX XXXX XXXX XXXX | Privacy | Terms of use | XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 56891-140 PS- THIS IS FRAUD
|
| 01/14/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
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I received two email from two separate people with two different amounts saying that I owe a payday loan company money. The only payday company Ive ever used is XXXX and I currently have a up to date payday loan with them. Theres no way I could even have another loan out right now or for that amount they are demanding I pay even with the state of Floridas laws. They have advised that they have filed two separate cases against me in court, however I have gone to the courts website and looked up all court cases in the entire US with my name or even a variation of my name and nothing is there. The companies are claiming to be with XXXX XXXX XXXX XXXX, but there is no evidence of such law firm anywhere nor have they provided any business location or phone number other than a total of three extremely fake email addresses. This is a scam.
Here is the first email.
RECOVERY DEPARTMENT XX/XX/XXXX Account Identification Docket Number : XXXX Invoice : XXXX Balance : {$920.00} contact : mailto : XXXX Dear, This letter confirms that XXXX XXXX XXXX is dully authorized to accept {$920.00} in full settlement of the above referenced account.
If you are not able to submit that amount then settlement amount due is as follows.
First Installment for Today to stop the warrant and initiate your settlement option.
Date : XX/XX/XXXX Payment for Today : {$120.00} ( Rest of XX/XX/XXXX installments for {$180.00} will be scheduled for every other week ) OR You are still applicable for OIC policy by submitting {$740.00} in full before XX/XX/XXXX.
Your payment must be submitted before due date otherwise this will be considered as a flat refusal.
Reply of this e-mail chain conversation is must as per bureau 's norms as a proof that you have received the communiqu from the accounts department regarding your payment registry in terms of settlement options, to resolve this case outside of court without any disputes.
So kindly respond to this email on mailto : XXXX to resolve this matter.
Regards, XXXX XXXX Accounts Department Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your co-operation.
Here is the second email.
Image CREDITOR : SPEEDY CASH SERVICES CASE NO : - XXXX OUTSTANDING AMOUNT : {$920.00} Todays Settlement Amount : {$650.00} CONTACT AT : mailto : XXXX This Proceeding issued on you Docket No : - XXXX with one of Speedy Cash Services Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of XXXX XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you.
We have sent you this warning notification about legal proceedings on XX/XX/XXXX, but you failed to respond on time now its high time if you failed to respond, we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated.
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$14000.00} and will be totally levied upon you and that would be excluding your attorney charges.
Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep.
This is your last and final chance to settle this case if you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. By electronically signing this Loan Agreement by clicking the " I AGREE '' the button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.
IF YOU WANT TO RESOLVE THIS CASE OUTSIDE OF THE COURTHOUSE CONTACT TO RESTITUTION DEPARTMENT AT : mailto : XXXX Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX At Speedy Cash, the privacy and security of your personal and financial information is our top priority. Since our doors first opened in XX/XX/XXXX, we have been continually innovating and implementing advanced technologies and techniques to ensure the safety and privacy of your information. We deeply value the trust you place in us and we are committed to providing you a safe and secure loan experience regardless of the method you decide to use to apply for credit with us.
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| 05/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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I have never had dealings with this company. Much of this information is incorrect and this is the third email threatening to arrest me. Please see the details here : ARREST WARRANT I'D : - XXXX WHICH WILL BE GOING TO RELEASE ON XXXX MORNING XXXX Name-********** XXXX, Address XXXX ********, XXXX, ** SSN- XXXX XXXX XXXX Loan Date-XXXX XXXX Date Of Birth-XXXX Work -STATE OF XXXX Bank -*XXXX BANK Routing Number-XXXX Account Number-8**** Lawsuit Cost - {$4500.00} ( Including Attorney Fee/Court Fee/All Taxes ) CASE NO - # XXXX CUSTOMER ID # : XXXX CREDIOR SPEEDY CASH/REPAID CASH Total Amount - {$1000.00} Settlement Amount - {$390.00} ( TODAY ) Attention!!!!!
With this mail, I want to draw your attention towards the amount due from your side which is {$1000.00} and this is your final settlement amount {$390.00}. Under the current sad and scary situation of Pandemic due to New Covid-19 Virus, The U.S. Govt. is providing this offer to the citizens to get free of their loans.
Important Note : This is an automated system generated notice based on customers records.
Note : This is the last and final chance for you. Do not reply to this email. If you want To make the payment you would have to contact our email address at Attorney @ law -- enforcement.com.
This Legal Proceedings issued on your Docket Number : - XXXX with one of SPEEDY CASH SERVICE. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of Speedy Cash Service has decided to mark this case as a flat refusal and press legal charges against you.
CASE NO : XXXX Amount Outstanding : {$1000.00} Dear Debtor, We have sent you this warning notification about legal proceedings of XX/XX/XXXX but you failed to respond on time now its high time if you failed to respond in next 4 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished.
Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.
You can Email back to get the payment mode too.
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$6300.00} and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future.
Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your door step.
WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.
NOTE : THIS CASE IS UNDER INVESTIGATION UNDER MAJOR CREDIT BUREAUS.
IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY REPLY THIS EMAIL DURING WORKING HOURS BETWEEN XXXX XXXX TO XXXX XXXX ( EST ) FROM MONDAY TO SATURDAY AND YOU WILL BE ANSWERED SHORTLY.
TERMS & CONDITIONS YOU AGREED.
By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.
Best Wishes.
XXXX XXXX, Restitution Department Speedy Cash Service XXXX XXXX XXXX, XXXX XXXX, CA-XXXX Phone : XXXX XXXX Fax : XXXX XXXX Reply!
Collections & Legal Department SPEEDY CASH INC. | Privacy | Copyright XXXX |Terms of us -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your cooperation.
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| 06/18/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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THIS LETTER WAS SENT TO ME ON WEDNESDAY XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - FINAL NOTICE FOR FAIR ACTION ( Fair Debt Collection Act 811 ) Case File # XXXX Last Date to File Lawsuit-XX/XX/2021 Cost of the LawsuitXXXX Courthouse Address-XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX ).
Legal Charges-Section 19 ( A ), Clause 21 ( US ).
Case Format- Fair Debt Collection ( FC/SC ) Due Amount- {$500.00} Dear Debtor, This is to notify you and requires your immediate attention.
We are going to file a lawsuit in next 24 hours at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) .against your Name and SSN. After giving several notifications we did not received any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.
If we do not hear from you today, we will be compelled to seek legal representation in the Court House. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the Internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.
Note : If we don't get any response from your side, we shall have no alternative but to take action through the local County Courthouse to recover the amount due together with court costs and legal fees including all taxes which cost approximately {$5800.00}.
Note : The Legal Charges Section 19 ( A ), Clause 21 ( US ) is against you and if you ignore this case then our legal department will take immediate action you.
If we receive the remaining payment from you thereafter we will provide you full and final receipt stating that your case file is closed permanently with remaining XXXX balance. Don't take this matters lightly otherwise once the case file is downloaded thereafter we won't be able to help you out.
If you fail to respond us the Charges will be pressed against the name are : 1. Violation of federal banking regulation act 1983 ( C ) 2. Collateral check fraud 3. Theft by deception ( ACC ACT 21A ) Which carries a maximum sentence of 3 years of prison and a fine up to {$5800.00}.
YOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION ( OOCR ) : All you do is email us back for taking care of this matter outside the court house.
PS. If you fail respond within 24 hours this Legal Action will be activated. You will be Entitle for an OOCR, By requesting an offer in compromise, but if you are failed to do that then we shall start the process of pressing those charges against you.
To resolve this issue ASAP, Kindly emails us immediately.
Thanks & Regards, XXXX XXXX XXXX.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - After I agreed to handle this matter outside of court, like any other normal person would want to do on XX/XX/XXXX, They followed up with this EMAIL on XX/XX/2021 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - PAYMENT INSTRUCTIONS- As a legal department, we are very much sensitive to our client 's security so we don't allow you to reveal your bank & card details over the phone and the Internet by any means to maintain privacy. We suggest you the best payment model for you is a Prepaid Debit card ; we avoid the chargeback and exchange of personal and confidential information.
As per the company policy, the mode of payment would be through XXXX XXXX Card because we have an agreement with XXXX XXXX that's why we are allowed to accept this card only because XXXX is associated with XXXX XXXX.
All you have to do is get a XXXX XXXX XXXX ( You need to load the funds {$450.00} ), from one of the stores mentioned below.
You can get the card at these stores nationwide : XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Once you clear this debt, we will send you a settlement completion letter stating that your account has been paid in full with XXXX balance which you can keep it for future records.
Note-Please attach you receipt and Image ( front and back ) of the XXXX XXXX XXXX along with this e-mail.
Do not buy a XXXX XXXX XXXX.
Kindly respond back for confirmation.
Thanks & Regards Debt Settlement Division Inc.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Today XX/XX/2021 after not receiving ANY TYPE OF SETTLEMENT LETTER, I decided to look them up on XXXX. Come to find out, it was ALL A SCAM!!!
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| 03/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
Servicemember |
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The following is the email they keep sending me with threats. I have asked them to stop and they keep making threats.
Court Notice Case # XXXX XXXX Att.XXXX XXXX XXXX Tue XX/XX/XXXX XXXX XXXX Inbox To : XXXX ; You replied on XX/XX/XXXX XXXX XXXX.
Speedy cash Service Department of payday Loan DUE AMOUNTXXXX {$900.00} LOAN COMPANY/LENDER Speedy cash Payday Loan Services Case Number # XXXX Case Consult Operator : Attorney XXXX XXXX XXXX , XXXX TX .
Contact at : mailto : XXXX We are hereby to inform you that you are going to be legally prosecuted in the Court House within couple of days.
So before something goes wrong we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your Payday Services. At this point you had made your intentions clear and leave us no choice but to protect our interest in this matter.
XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER If we do not hear from you within 24 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.
Basically all the loan companies working under Speedy cash Inc. are ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Rapid Cash, XXXX XXXX, Speedy Cash, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ) So, it doesnt matter from which website or from which store you taken out this loan main lender have a rights that they can file complain and recover outstanding balance in the court house.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.
As we have shared with you in previous letters, read your loan agreement ; the next step is clearly defined. It could cost us both a great deal of time and money ; you can avoid this by taking care of this now. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer and your references regarding this issue and the law suit will be the next step which will be amounting to {$3600.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name.
We have settlement amount for you with easy Biweekly and onetime settlement amount option.
1. If you can make onetime payment of {$750.00} ( onetime same day payment ) we can close your case file with this amount only.
2. If you are looking for bi-weekly payment then you have to pay total amount of {$900.00} with payment arrangement and you can pay {$150.00} bi-weekly till paid in full.
Kindly let us know what type of payment arrangement you are looking for at mailto : XXXX Do provide us with the date on which you can pay so that we can update your account.
Kindly let us know are you willing to resolve this matter out of the court house or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Note : This is your last and final chance to settle this case.
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your door step within 4-5 working days. Kindly hire an attorney.
Do revert us ASAP to stop all legal consequences against your Name and SSN.
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.
Kindly let us know what type of payment arrangement you are looking for at : mailto : XXXX Regards, XXXX XXXX XXXX XXXX XXXX.
Copyright XXXX XXXX XXXX XXXX XXXX XXXX | Privacy | Terms of use | Carrier -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
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| 10/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Received a loan you didn't apply for
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Web |
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I received an email that I owed money to Speedy Cash but I did not apply for this loan.
I have included the email below I received.
Speedy Cash | Banks/Credit Unions | Lending - XXXX XXXX XXXX XXXX
Speedy Cash Payday Loan XXXX Case # XXXX OUTSTANDING AMOUNT- {$1300.00} LOAN COMPANY/LENDER Speedy Cash Payday Loan Services .
Case Consult : Attorney XXXX XXXX. XXXX OH.
Contact at : XXXX : XXXX We are hereby to inform you that you are going to be legally prosecuted in the Court House within a couple of days.
So, before something goes wrong, we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your Payday Services. At this point, you had made your intentions clear and leave us no choice but to protect our interest in this matter.
XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER If we do not hear back from you within 24 hours of the date of this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court costs incurred.
Basically all the loan companies working under Speedy cash are ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 100 Day Loan, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ).
So, it doesnt matter from which website, or from which store you have taken out this loan main lender have rights that they can file a complaint and recover outstanding balance in the courthouse.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.
As we have shared with you in previous letters, read your loan agreement ; the next step is clearly defined. It could cost us both a great deal of time and money ; you can avoid this by taking care of this now. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step, which is A lawsuit against you, but to do so you must take immediate action.
If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$3600.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name.
We have a settlement amount for you with easy Biweekly and onetime settlement amount option.
1. If you can make onetime payment of {$750.00} ( same day payment ) we can close your case file with this amount only.
2. If you are looking for bi-weekly payment then you have to pay a total amount of {$920.00} with payment arrangement and you can pay {$150.00} bi-weekly till paid in full.
Kindly let us know what type of payment arrangement you are looking for at mailto : XXXX Do provide us with the date on which you can pay so that we can update your account.
Kindly let us know are you willing to resolve this matter out of the courthouse, or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Note : This is your last and final chance to settle this case.
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within 4-5 working days. Kindly hire an attorney.
Do revert us ASAP to stop all legal consequences against your Name and SSN.
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.
Kindly let us know what type of payment arrangement you are looking for atmailto : XXXX Regards, XXXX XXXX XXXX XXXX XXXX.
Copyright 2021 XXXX XXXX XXXX XXXX XXXX | Privacy | Terms of use | XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --
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| 02/26/2020 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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I received an email from an " XXXX XXXX XXXX '' from " XXXX XXXX XXXX XXXX XXXX '', the text of which is at the end of this message. While I do have a Speedy Cash account, it has already been placed with a collection agency, and I have representation negotiating on my behalf. I believe the email is fraudulent.
Text of the email as follows : Speedy cash Service Department of payday Loan DUE AMOUNT- {$900.00} LOAN COMPANY/LENDER Speedy cash Payday Loan Services Case Number # XXXX Case Consult Operator : Attorney XXXX XXXX XXXX , XXXX TX .
Contact at : mailto : XXXX We are hereby to inform you that you are going to be legally prosecuted in the Court House within couple of days.
So before something goes wrong we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your Payday Services. At this point you had made your intentions clear and leave us no choice but to protect our interest in this matter.
UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER If we do not hear from you within 24 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.
Basically all the loan companies working under Speedy cash Inc. are ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Speedy Cash, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ) So, it doesnt matter from which website or from which store you taken out this loan main lender have a rights that they can file complain and recover outstanding balance in the court house.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.
As we have shared with you in previous letters, read your loan agreement ; the next step is clearly defined. It could cost us both a great deal of time and money ; you can avoid this by taking care of this now. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer and your references regarding this issue and the law suit will be the next step which will be amounting to {$3600.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name.
We have settlement amount for you with easy Biweekly and onetime settlement amount option.
1. If you can make onetime payment of {$750.00} ( onetime same day payment ) we can close your case file with this amount only.
2. If you are looking for bi-weekly payment then you have to pay total amount of {$900.00} with payment arrangement and you can pay {$150.00} bi-weekly till paid in full.
Kindly let us know what type of payment arrangement you are looking for at mailto : XXXX Do provide us with the date on which you can pay so that we can update your account.
Kindly let us know are you willing to resolve this matter out of the court house or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Note : This is your last and final chance to settle this case.
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your door step within 4-5 working days. Kindly hire an attorney.
Do revert us ASAP to stop all legal consequences against your Name and SSN.
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.
Kindly let us know what type of payment arrangement you are looking for at : mailto : XXXX Regards, XXXX XXXX XXXX XXXX XXXX.
Copyright 2019 XXXX XXXX XXXX XXXX XXXX | Privacy | Terms of use | Carrier
|
| 03/06/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Servicemember |
|
i have not taken any loans out with this company nor have i recieved any bills Speedy cash payday Loan OUTSTANDING AMOUNT- {$920.00} Case # XXXX LOAN COMPANY/LENDER Speedy cash Payday Loan Services XXXX
Case Consult : Attorney XXXX XXXX. XXXX NY.
Contact at : mailto : XXXX We are hereby to inform you that you are going to be legally prosecuted in the Court House within couple of days.
So before something goes wrong we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your Payday Services. At this point you had made your intentions clear and leave us no choice but to protect our interest in this matter.
UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER If we do not hear back from you within 24 hours of the date on this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.
Basically all the loan companies working under Speedy cash are ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Speedy CashXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
So, it doesnt matter from which website or from which store you taken out this loan main lender have rights that they can file a complaint and recover outstanding balance in the court house.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.
As we have shared with you in previous letters, read your loan agreement ; the next step is clearly defined. It could cost us both a great deal of time and money ; you can avoid this by taking care of this now. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer and your references regarding this issue and the law suit will be the next step which will be amounting to {$3600.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name.
We have settlement amount for you with easy Biweekly and onetime settlement amount option.
1. If you can make onetime payment of {$750.00} ( same day payment ) we can close your case file with this amount only.
2. If you are looking for bi-weekly payment then you have to pay total amount of {$920.00} with payment arrangement and you can pay {$150.00} bi-weekly till paid in full.
Kindly let us know what type of payment arrangement you are looking for atmailto : XXXX Do provide us with the date on which you can pay so that we can update your account.
Kindly let us know are you willing to resolve this matter out of the court house or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Note : This is your last and final chance to settle this case.
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your door step within 4-5 working days. Kindly hire an attorney.
Do revert us ASAP to stop all legal consequences against your Name and SSN.
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.
Kindly let us know what type of payment arrangement you are looking for at : mailto : XXXX Regards, XXXX XXXX XXXX XXXX XXXX.
Copyright XXXX XXXX XXXX XXXX XXXX XXXX | Privacy | Terms of use | Carrier -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --
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| 02/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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|
Web |
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|
I know for a fact that this email is a scam as i did some research and i never took a loan from this company.
says it was from XXXX XXXX XXXX ( email is as follows ) Speedy cash Service Department of XXXX XXXX DUE AMOUNT- {$890.00} LOAN COMPANY/LENDER Speedy cash XXXX XXXX XXXX Case Number XXXX XXXX XXXX Consult Operator : Attorney XXXX XXXX XXXX, XXXX TX XXXX
Contact at : XXXX We are hereby to inform you that you are going to be legally prosecuted in the Court House within a couple of days.
So before something goes wrong we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your XXXX Services. At this point, you had made your intentions clear and leave us no choice but to protect our interest in this matter.
UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER If we do not hear from you within 24 hours of the date of this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court costs incurred.
Basically all the loan companies working under Speedy cash Inc. are ( XXXX XXXX XXXX, XXXX XXXX XXXX, Cash Advance, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 100 Days, XXXX XXXX XXXX, Cash Advance, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Personal Cash Advance, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ) So, it doesnt matter from which website or from which store you took out this loan main lender have a rights that they can file complaints and recover outstanding balance in the courthouse.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.
As we have shared with you in previous letters, read your loan agreement ; the next step is clearly defined. It could cost us both a great deal of time and money ; you can avoid this by taking care of this now. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.
If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$3600.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name.
We have settlement amount for you with easy Biweekly and onetime settlement amount option.
1. If you can make a one-time payment of {$750.00} ( same day payment ) we can close your case file with this amount only.
2. If you are looking for bi-weekly payment then you have to pay the total amount of {$890.00} with payment arrangement and you can pay {$150.00} bi-weekly till paid in full.
Kindly let us know what type of payment arrangement you are looking for at XXXX XXXX provide us with the date on which you can pay so that we can update your account.
Kindly let us know are you willing to resolve this matter out of the courthouse or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Note : This is your last and final chance to settle this case.
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within 2-3 working days. Kindly hire an attorney.
Do revert us ASAP to stop all legal consequences against your Name and SSN.
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.
Kindly let us know what type of payment arrangement you are looking for at XXXX Regards, XXXX XXXX XXXX XXXX XXXX.
Copyright 2019 XXXX XXXX XXXX XXXX XXXX | Privacy | Terms of use | Carrier
|
| 07/26/2021 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
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Received an email on my work email from XXXX XXXX representing Speedy Cash I have no knowledge of Speedy Cash and have never taken out a loan from any company like this.
HereSPEEDY CASH XXXX Attention, LAWSUIT COURT CASE FILE NO : # XXXX LAWSUIT COST - {$1700.00} ( INCLUDING ATTORNEY FEE/COURT FEE/ALL TAXES ) SETTLEMENT AMOUNT - {$850.00} CONTACT AT : mailto : XXXX Case Number : - # XXXX SUBJECT : LOAN Settlement AMOUNT- {$850.00} Contact AT : - mailto : XXXX We are hereby to inform you that you are going to be legally prosecuted in the Court House within a couple of days. So, before something goes wrong, we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your Payday Services. At this point, you had made your intentions clear and leave us no choice but to protect our interest in this matter.
XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER NOTE : - We are in a process to block your Social Security number and inform all the Major Credit Bureaus as well.
NOTE : - The Legal Charges Section 19 ( A ), Clause 21 ( US ) is against you and if you ignore this case then our legal department will take immediate action you.
If we do not hear from you within 24 hours of the date of this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court costs incurred.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.
We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$1700.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name.
We have settlement amount for you with easy weekly and a one-time settlement amount option below, kindly reply soon with your final intention regarding this case.
1. You will have to submit {$590.00} today and close this case outside of court with the onetime case settlement plans 2. You will have to submit an amount which is acceptable of {$280.00} today to put this case on hold outside of the courthouse and the rest payment with {$280.00} weekly installments till the loan amount {$850.00} paid in full Get back to us ASAP before the charges have been pressed against you into the court of law.
REPLY EMAIL BACK IMMEDIATELY WITH YOUR FINAL ANSWER SO I CAN MOVE ON FURTHER ON THE BASIS OF YOUR ANSWER at mailto : XXXX Kindly let us know are you willing to resolve this matter out of the courthouse, or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Talking about the creditor Speedy Cash is the mother company which owns & operates more than 350 parental payday loan websites XXXX XXXX XXXX , XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX, RAPID CASH, XXXX XXXX XXXX XXXX, XXXX XXXX, SPEEDY CASH XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX etc. And you have used One of this to get this loan approved. as a user of the products and/or services offered by a Speedy cash Related Company.
Note : This is your last and final chance to settle this case.
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within 2 working days. Kindly hire an attorney.
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.
Kindly let us know what type of payment arrangement, you are looking for at mailto : XXXX Regards, XXXX XXXX XXXX XXXX XXXX.
Copyright 2020 XXXX XXXX XXXX XXXX XXXX | Privacy | Terms of use | Carrier -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 56891-140 is a copy of the email.
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| 03/04/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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I received the following email this morrning at XXXX am : SPEEDY CASH SERVICE Attention, LAWSUIT COURT CASE FILE NO : # XXXX LAWSUIT COST - {$1700.00} ( INCLUDING ATTORNEY FEE/COURT FEE/ALL TAXES ) SETTLEMENT AMOUNT - {$850.00} CONTACT AT : XXXX : XXXX Case Number : - # XXXX SUBJECT : LOAN Settlement AMOUNT- {$850.00} Contact AT : - XXXX : XXXX We are hereby to inform you that you are going to be legally prosecuted in the Court House within a couple of days. So, before something goes wrong, we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with your XXXX XXXX. At this point, you had made your intentions clear and leave us no choice but to protect our interest in this matter.
UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER NOTE : - We are in a process to block your Social Security number and inform all the Major Credit Bureaus as well.
NOTE : - The Legal Charges Section 19 ( A ), Clause 21 ( US ) is against you and if you ignore this case then our legal department will take immediate action you.
If we do not hear from you within 24 hours of the date of this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court costs incurred.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.
We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$1700.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name.
We have settlement amount for you with easy weekly and a one-time settlement amount option below, kindly reply soon with your final intention regarding this case.
1. You will have to submit {$590.00} today and close this case outside of court with the onetime case settlement plans 2. You will have to submit an amount which is acceptable of {$280.00} today to put this case on hold outside of the courthouse and the rest payment with {$280.00} weekly instalments till the loan amount {$850.00} paid in full Get back to us ASAP before the charges have been pressed against you into the court of law.
REPLY EMAIL BACK IMMEDIATELY WITH YOUR FINAL ANSWER SO I CAN MOVE ON FURTHER ON THE BASIS OF YOUR ANSWER at : XXXX : XXXX Kindly let us know are you willing to resolve this matter out of the courthouse, or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Talking about the creditor Speedy Cash is the mother company which owns & operates more than 350 parental payday loan websites XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. And you have used One of this to get this loan approved. as a user of the products and/or services offered by a Speedy cash Related Company .
Note : This is your last and final chance to settle this case.
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within 2 working days. Kindly hire an attorney.
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.
Kindly let us know what type of payment arrangement, you are looking for at : mailto : XXXX Regards, XXXX lXXXX XXXX XXXX XXXX
Copyright 2020 XXXXXXXX XXXX XXXX XXXX XXXX XXXX Privacy | Terms of use | XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 56891-140 I have never had a loan with company or even heard of them.
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| 08/22/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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I am a natural person, I am a living human being. I have rights under 15 USC 1681. Ad Astra REcovery Serv is govern by 15 USC 1681. And they violated my rights numerous of times. I demand this account be removed because According to 15 USC 1681. I have the right to privacy and i did not give Ad Astra Recovery Serv writtent permission to furnish this account. This collection agency continues to harass me with phone calls an emails, text messeges and i have asked this compomay to validate the debt but they never do. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX # XXXX AD ASTRA RECOVERY SERV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/2022 Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, https : //portal.consumerfinance.gov/consumer/s/complaint-detail # XXXX XXXX XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX The Following information is required. Please fill out the form below in its entirety. 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants XXXX XXXX XXXX the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? o Yes o No Have any Judgements been obtained by any creditor regarding this account? o Yes o No Please provide me the name and address of the bonding agent for COLLECTION COMPANY Ad Astra, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter. Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 calendar days for processing after I receive this information. Thank You.
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| 03/01/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
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I received the following e-mail message on XX/XX/2018 from XXXX XXXX ( XXXX ) Important : -Read everything about your case file before you call us. We are not going to provide you any information over the phone call have to read all information before you call us so you can understand what is the case is all about.
Three Criminal allegations against your name under Financial Fraud are : - 1 ) Violation of federal banking rules and regulations.
2 ) Theft by deception 3 ) Breach the contract with Loan Company The affidavit states that you XXXXX, XXXXX went online or to the store utilizing your personal information which was track down by anti-fraud department, in order to solicit funds from My client which is XXXX XXXX XXXX Basically all the loan companies in your state UT they are working under my client XXXX XXXX XXXX ( XXXX , XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX ) so its doesnt matter from which website or from which store you taken out this loan main lender have a rights that they can file complaints and recover outstanding balance in the courthouse.
As of today rather than chasing you for money XXXX XXXX XXXX has simply decided to write this money as loss & declared to be stolen by you & want to press legal charges on you & on your Social security number. We will be in contact with your current employer & the state credit bureau to garnish your paychecks until the total amount gets paid back to your creditor in full with the interest amount & the late payment charges.
Your Credit score will hit by negative XXXX points & your drivers license will get blocked.
You do have right to hire an attorney, if you dont have one or you can not afford to have one that shall be appointed to you by the Federal Court, but make sure you have someone to who can bail you out once you lose this case in the county court.
Now this case going to be downloaded in your State County Court and your Local County Sheriff department after that you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is {$730.00} you don't have option to set up payment arrangement so don't ask for any arrangement we can only accept full payment of {$730.00} if you want to resolve this case out of court.
NOTE : This case is under investigation by the Local police department and arrest warrant has been already issued by local police department so we cant accept your payment from your bank account or your debit card you can pay this balance is full by the EFTS ( Electronic fund transfer system ) contact us to get information for XXXX and XXXX XXXX to our financial Department Attorney : XXXX XXXX Phone : ( XXXX ) XXXX XXXX Frequently ask question ( FAQ ) ( Must Read if you don't understand what is this case about ) Q 1 : What this is all about?
A 1 : You can read legal court notice so you can understand what is this case regards to Q 2 : I never receive any money from XXXX XXXX XXXX.
A 2 : XXXX XXXX XXXX is financial institute who handling all child finance company in USA ( more than 1397 company ) so if you applied for loan online or if you taken out funds from store actual funds coming from the XXXX XXXX XXXX.
Q 3 : What options I do have?
A 3 : If you have an attorney you can tell your attorney to give me a call back so we can discuss this matter in legal term. If you want to resolve this case you can follow payment instruction to pay this amount back to client outside of courthouse.
Q 4 : Why the amount is higher than the amount I owe?
A 4 : Because this amount we mention is included outstanding balance, rate of interest ( XXXX % ), late fee, court paperwork charges, Credit adjustment charges and warrant cancellation fees Q 5 : Why Im sending these funds to you?
A 5 : Because under section 13B of united state law all communication between you and the client has been seized and they declared you as a defaulter our client ready to recollect this amount from you with legal court procedure so we are the mediator between you and the client.
Click here to unsubscribe
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| 11/05/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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on XX/XX/XXXX i received an email saying a lawsuit had been filed against me in california and that the attorney was issuing a warrant for my arrest along with putting a block on my social security number here is a copy of the email I can forward it if needed because I did save it SPEEDY CASH SERVICE Attention, LAWSUIT COURT CASE FILE NO : # XXXX Attorney : XXXX XXXX XXXX XXXX, CA, U.S.
LAWSUIT COST - {$1700.00} ( INCLUDING ATTORNEY FEE/COURT FEE/ALL TAXES ) SETTLEMENT AMOUNT - {$870.00} CONTACT AT : XXXX : XXXX SUBJECT : LOAN DUE AMOUNT- {$870.00} We are hereby to inform you that you are going to be legally prosecuted in the Court House within a couple of days. So, before something goes wrong, we would like to notify you about this matter. It seems apparent that you had chosen to ignore all our efforts to contact you in order to resolve your debt with XXXX XXXX XXXX. At this point, you had made your intentions clear and leave us no choice but to protect our interest in this matter.
UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER NOTE : - We are in a process to block your Social Security number and inform all the Major Credit Bureaus as well.
NOTE : - The Legal Charges Section 19 ( A ), Clause 21 ( US ) is against you and if you ignore this case then our legal department will take immediate action you.
If we do not hear from you within 24 hours of the date of this letter, we will be compelled to seek legal representation from our in-house attorney. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court costs incurred.
WE HAVE ALL THE RIGHTS RESERVED TO INFORM TO FTC & YOUR EMPLOYER AND BANK ABOUT THIS FRAUD.
We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$2600.00} and will be totally levied upon you and that would be excluding your attorney charges and the due amount pending on your name.
We have settlement amount for you with easy weekly and a one-time settlement amount option below, kindly reply soon with your final intention regarding this case.
You will have to submit {$640.00} today and close this case outside of court with the onetime case settlement plans You will have to submit an amount which is acceptable of {$290.00} today to put this case on hold outside of the courthouse and the rest payment with {$290.00} weekly installments till the loan amount {$870.00} paid in full Get back to us ASAP before the charges have been pressed against you into the court of law.
REPLY EMAIL BACK IMMEDIATELY WITH YOUR FINAL ANSWER SO I CAN MOVE ON FURTHER ON THE BASIS OF YOUR ANSWER at : - XXXX : XXXX Kindly let us know are you willing to resolve this matter out of the courthouse, or we should proceed further with the legal charges against you. Once this case will be downloaded against you then we wont be able to help you out.
Note : This is your last and final chance to settle this case.
Else we are going to transfer your file to the legal department to download the case against you and you will receive the court summons at your doorstep within 2 working days. Kindly hire an attorney.
NOTE : THIS CASE IS UNDER INVESTIGATION WITH MAJOR CREDIT BUREAUS.
Kindly let us know what type of payment arrangement, you are looking for at : - mailto : XXXX Regards, XXXX XXXX XXXX XXXX.
Copyright 2020 XXXX XXXX XXXX XXXX | Privacy | Terms of use | XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-252
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| 09/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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AD ASTRA RECOVERY SERV ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IOWA XXXX CERTIFIED MAIL RETURN RECEIPT NUMBER : XXXX XX/XX/XXXX Dear AD ASTRA RECOVERY SERV ( Original Creditor : XXXX XXXX XXXX ) THIS IS MY SECOND REQUEST FOR VALIDATION WHICH YOU HAVE NOT PROVIDED. PLEASE KNOW THAT IF THIS MATTER IS NOT CORRECTED I WILL BE FORCED TO SEEK LEGAL REPRESENTATION.
*** This is notice that your claim is disputed and denied.I refuse to pay you any monies, please return this account to the original creditor. Please note that current address is listed at the header and footer of this letter and I would only like to be contacted by United States Postal mail at my address. Cease and desist ALL collection activities. This is my formal refusal to pay until this account had been properly validated. If you are not able to validate please permanently delete immediately. *** IN REFERENCE TO ACCOUNT NUMBER : XXXX ACCOUNT TYPE INCORRECT. ACCOUNT STATUS INCORRECT. PAYMENT HISTORY SHOULD BE REPORTING BLANK FILLED. NO DATE OF LAST PAYMENT REPORTING PLEASE DELETE The Consumer Financial Protection Bureau, Fair Credit Reporting Act, Fair Debt Collection Practices Act, among other various state laws there is certain information you must present to me in order to validate, not verify, the account in question. Please provide me with the following...
1. Legal name and mailing address of debt collector.
2. Name and address of original creditor to whom the alleged debt if owed to.
3. Complete account number as it is in your file. No abbreviations of any kind.
4. Itemization of current amount of debt. Interests, fees, payments, and credits from particular date or verify with records. Please note that itemized amounts can not be left blank, even if no additional amounts have been assessed or applied during the relevant time period. An itemization date and the amount of the debt as of the itemization date and the current amount if the debt. Please note that itemization date can only be the last creditor statement, the charge-off date, the last payment date, transaction date, or judgement date.
5. Current amount of debt as of when the validation notice is provided.
6. Information about my consumer debt collection rights including how to dispute the debt.
7. Proof that I am indeed the correct consumer that this account belongs to.
8. Proof that you are legally able to collect debt in my state.
9. Documentation from the alleged creditor authorizing you to contact me and pursue collection of this alleged debt.
10. Complete accounting records for alleged debt. -Your Purchase Agreement.
Please provide the name and address of the bonding agent for { creditor_name } in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. You have 30 days to complete my request after you have received it. I have sent this correspondence certified so that I am able to keep track of response time.
Please be aware that is there are any negative remarks found on my credit report from your company or any company that you represent, this will result in my filing an immediate lawsuit against you and your client for violation of the FCRA and FDCPA, as well as defamation of character and Negligent Enablement of Identity Fraud.
You are instructed to take no action that could be detrimental to any of my credit reports.
Thank you for your prompt attention to this matter.THIS IS MY THIRD AND FINAL REQUEST BEFORE SEEKING LEGAL ASSISTANCE.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX References 1. CFPB XXXX Consumer Financial Protection Bureau. XX/XX/XXXX, XXXXWhat is a debt collection validation notice? Retrieved from www.consumerfinance.govXXXX
2. Fair Debt Collection Practices Act 3. Fair Credit Reporting Act 4. XXXX Credit Reporting Resource Guide. Consumer Data Industry Association
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| 11/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I reached out to XXXX to dispute an account on my report and within 24 hours of submitting their dispute, they claim that they verified it was accurate. They did not send the proper information nor did they reach out to the company to have them provide the necessary documentation.
XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AD ASTRA RECOVERY SERV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Telephone RE : Account # XXXX To Whom It May Concern : Be advised that your claim is disputed and validation is requested.
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following.
Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for AD ASTRA RECOVERY SERV in case legal action becomes necessary.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards XXXX XXXX XXXX Federal Trade Commission
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| 11/03/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX AD ASTRA RECOVERY SERV /SPEEDYCASH XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XXXX RE : Collection account : XXXX ( {$400.00} ) I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of Brennans debt collection letter, Spears counsel XXXX sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at XXXX. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).
Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.
The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, Brennan violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against Spears after Spears had notified Brennan in writing that he was disputing the debt but before Brennan had mailed verification of the debt to Spears. We reverse the trial courts entry of summary judgment in favor of Brennan on this issue.
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s.
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
I intend to follow through with the suit if I do not hear back from you within 15 days.
I look forward to hearing from you, XXXX XXXX
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| 10/22/2015 |
Yes |
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- Charged bank acct wrong day or amt
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Web |
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I initially set up a " payday '' loan and the company converted it to a " flex line of credit '' loan. I used XXXX bank account to create the loan and have the funds deposited. I made some payments out of this account. I then wanted to change the financial institution and account that the payments came out of. I was unable to remove the initial account but I was able to add a new account. My payments have been coming out of the new account without any issues. I changed jobs and needed to change my due date to line up with my new paydays. I emailed the company to ask how to do that. They said to send in new paystubs to verify my new pay dates. I did that only to have them come back with a " form letter '' email telling me that I could not change my due dates even though this loan was set up with payments to be when I got paid. The VERY NEXT payment after I requested a due date change did n't deduct from my account like it always did. The next day after the due date I got a notice from my initial back that I set the loan up with stating that I had a payment that attempted to clear but there were no funds to clear the payment. I was charged a {$29.00} NSF Fee and my account was now in the negative. I looked to see what happened and this lender, who has been charging the " new '' account for MONTHS without incident, attempted to take my payment out of the " old '' account that I was no longer using. I called them immediately and advised them that they had no authorization to change my preferred payment account and that the only reason the old account was on there as because I could n't remove it. I asked why they had been taking all my payments with no issue from the new account then suddenly attempted to withdrawal from an account that was not being used. I advised them that they created an NSF Fee and that I needed this issue resolved ASAP and the NSF Fee covered by them. I was placed on hold to have them come back and say that they " had a system update '' on their end and it defaulted back to my original account. I advised them that I was given no notice from them that they were having system upgrades and that I needed to verify my preferred account was correct. I advised them that I was not responsible for that account even being on there since I had no ability to remove the account. I was told that they would NOT be crediting me back the NSF Fee because I had that account on there system. I advised them that I had proof that they had been taking the funds from another account and that there were no issues, I also could not remove the old account and that I was never notified that I needed to verify my account because of their system upgrade. I advised them that this was a violation of my consumer rights. I do not even want to have auto payments with them but they advise me that I can not pay via any other method, I am FORCED to use auto pay and they can take the money from any account they have on file. I advised them that I would be reporting this issue. I asked for written documentation of this incident and their stance. I was advised they can not provide any written information about any of this because of privacy laws. I said that was not correct. I was placed on hold again and then advised that if I did n't report this issue they would credit me back the {$29.00} but I needed to send proof of the NSF Fee and that they were the cause of it. I obtained the NSF notice from the bank, the account ledger showing the fee and proof it was their company. I emailed it at instructed to have them reply stating that I had to have a FULL COPY of a 30 day bank statement with ALL pages attached and my account number, name, bank info, etc. All the info I provided them already but now they want to see a full copy of my 30 day statement ( that 's my personal info that does n't apply to them ) and I will have to wait 30+ days to get it. I sent ALL the same info already.
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| 02/10/2020 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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XXXX XXXX XXXX XXXX, XXXX. debt collection agency has willingly and knowingly violated the following and not limiting to FDCPA and TCPA Violations. On 45 separate occasions has XXXX XXXX willingly and knowingly contacted the private number on said account TCPA Violation 47 U.S.C 227. In addition to 45 separate occasions violating the consumer on said documents, FDCPA Violation 15 USC 1692 ( a-j ). XXXX XXXX XXXX XXXX, XXXX has also committed identity theft against said consumer, that will hold additional penalties. call log attached in submitted documents.
15 USC 1692 ( e ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
47 U.S.C 227 b ) Restrictions on use of automated telephone equipment ( 1 ) Prohibitions : It shall be unlawful for any person within the United States, or any person outside the United States if the recipient is within the United States ( A ) to make any call ( other than a call made for emergency purposes or made with the prior express consent of the called party ) using any automatic telephone dialing system or an artificial or prerecorded voice ( i ) to any emergency telephone line ( including any 911 line and any emergency line of a hospital, medical physician or service office, health care facility, poison control center, or fire protection or law enforcement agency ) ; ( ii ) to the telephone line of any guest room or patient room of a hospital, health care facility, elderly home, or similar establishment ; or ( iii ) to any telephone number assigned to a paging service, cellular telephone service, specialized mobile radio service, or other radio common carrier service, or any service for which the called party is charged for the call, unless such call is made solely to collect a debt owed to or guaranteed by the United States ; ( B ) to initiate any telephone call to any residential telephone line using an artificial or prerecorded voice to deliver a message without the prior express consent of the called party, unless the call is initiated for emergency purposes, is made solely pursuant to the collection of a debt owed to or guaranteed by the United States, or is exempted by rule or order by the Commission under paragraph ( 2 ) ( B ) ; ( C ) to use any telephone facsimile machine, computer, or other device to send, to a telephone facsimile machine, an unsolicited advertisement, unless ( i ) the unsolicited advertisement is from a sender with an established business relationship with the recipient ; ( ii ) the sender obtained the number of the telephone facsimile machine through ( I ) the voluntary communication of such number, within the context of such established business relationship, from the recipient of the unsolicited advertisement, or ( II ) a directory, advertisement, or site on the Internet to which the recipient voluntarily agreed to make available its facsimile number for public distribution, except that this clause shall not apply in the case of an unsolicited advertisement that is sent based on an established business relationship with the recipient that was in existence before XX/XX/2005, if the sender possessed the facsimile machine number of the recipient before XX/XX/2005 ; and ( iii ) the unsolicited advertisement contains a notice meeting the requirements under paragraph ( 2 ) ( D ), except that the exception under clauses ( i ) and ( ii ) shall not apply with respect to an unsolicited advertisement sent to a telephone facsimile machine by a sender to whom a request has been made not to send future unsolicited advertisements to such telephone facsimile machine that complies with the requirements under paragraph ( 2 ) ( E ) ; or ( D ) to use an automatic telephone dialing system in such a way that two or more telephone lines of a multi-line business are engaged simultaneously.
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| 07/17/2016 |
Yes |
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- Received a loan I didn't apply for
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Web |
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On XXXX XXXX, I applied for a {$270.00} loan from Rapid Cash ( Speedy Cash ). It was approved and the confirmation stated that funds would be deposited in my bank account early the next morning, XXXX XXXX. I meant to check at work but I became extremely busy. Since I do not have Internet access at home, I visited the local library to check my bank account. The bank showed that I was overdrawn and no deposit. I visited the website and checked the funding date. It was after XXXX. PST and it still stated that funds would be deposited Thursday, XXXX XXXX. There was a link to change the funding option. I debated this option and since I did not want to incur a return or overdraft charge with my bank, I changed the funding option to " pick up at store '' but sent a message to the company telling them of my annoyance with the situation.
Thoroughly annoyed at having to take this extra step to get the money I needed, I left the library at XXXX and ran up to the XXXX XXXX store to pick up my money. I explained the situation to the staff, gave them the confirmation number I had received from the website and then waited. I asked if I could put part of the money on my existing loan balance of {$87.00} then they asked if I wanted to take out another loan. I said no, all I wanted to do was get the money that was supposed to be put in my bank account this morning but was n't and that I was going to use a portion of the {$270.00} on the {$87.00} existing loan. They said that I could n't do that. I said never mind. I can do it online at another time. I just wanted the money and I wanted if before my bus came because I would have to wait another half-hour for the next one. I was also concerned about defraying the overdraft charge because the funds were not in my account when promised.
I deposited the funds they gave me that night, XXXX XXXX, and kept in mind that they had told me there was a hold on a portion of the funds. I figured that when it cleared, I would be able to pay a portion of the existing loan. I called to check my bank account and since I had an automatic payment of {$120.00}, I did n't think anything was wrong. My bank also made a few automatic withdrawals to cover fees on another account so I could n't tell that anything was wrong. I was going to go to the library after work on Friday XXXX XXXX but it was XXXX that day and my bus was late. The heat was getting to me so I went straight home.
I went to the library on Saturday, XXXX XXXX to make a payment on the {$87.00} loan with Rapid Cash. It was then that I found that I had another {$200.00} loan on my account with a due date of XXXX XXXX. I changed the due date of both loans to reflect XXXX XXXX and XXXX XXXX respectively so that I would n't get an automatic withdrawal for the full amount because I need to make a rent payment. I sent them a note explaining that I could n't pay {$400.00} on that date because I needed to make a {$300.00} payment on my rent or else I would be homeless. I also need to make a XXXX dollar payment on my electric and I have some other bills to pay.
My issue is this : I did n't ask for a second loan. I thought the money I got on the night of XX/XX/XXXX was the money from the loan I applied for. After all, when asked if I wanted another loan I said no. I wanted the money that was supposed to be deposited in my account this morning which was not. One of the clerks said she would make a note of the confusion. I did n't get either of their names, they were not wearing them or they were not visible and I was in a hurry.
I will pay back the money but I would like some leniency on the part of Rapid Cash because I had not intended to take that second {$200.00} loan. I had only wanted the money that I had initially applied for. The error was clearly not on my part. The money was not there when it should have been. I also do not feel that I should pay any fees.
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| 06/05/2015 |
Yes |
- Debt collection
- Payday loan
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I was in the process of refinancing my house and had my credit pulled XXXX XXXX/XXXX/2015 XXXX showed a collection owed to Rapid Cash XXXX of the amount of {$450.00}, I have never done any financial business with this company. I was advised by my loan officer to dispute it with XXXX, I submitted the dispute and on XXXX/XXXX/2015 I received a letter from XXXX stating that the account was valid and it belonged me, I called XXXX and they stated that the creditor verified it was my name, social, and date of birth. They told me to call the original creditor which I did as soon as I hung up with them, I spoke to a customer service and a supervisor from XXXX the collecting agency for Rapid Cash XXXX listed on my report, and they could not find me in their system, they tried looking me up through name, social, dob and address and nothing was coming up for me from Rapid Cash and they stated that the account number on the report was not even a valid account number. XXXX XXXX confirmed that I had no debts or having ever done any business with them so they told me to redispute with XXXX and mention who I talked to when I talked to them and what I was told, I immediately hung up with them and called XXXX and was told they were going to redispute it and add the additional information I was given by the creditor. I waited another 30 days and again it came back as valid, before I called XXXX I called XXXX XXXX again on XXXX/XXXX/2015 and spoke to another supervisor who again could not find me in the system they looked up name, social, dob, and address and and again. The lady I spoke to stated that she does n't see how XXXX could say its valid when I am not even in there system. I told XXXX XXXX if they can give me something in writing saying I do n't have a debt with them and they said since I am not in their system I ca n't be giving a letter stating something I do n't have. XXXX XXXX told me to contact XXXX and ask them how they are investigating and how they keep coming to the solution. I called XXXX XXXX/XXXX/2015 again and the customer service just kept repeating herself of redisputing I told her I already have redisputed it XXXX and that no one is helping, I asked her how they investigated that it was mine? like who they spoke to? was it electronic? etc. and she refused to answer me, she just kept repeating herself. I asked her that I wanted to speak to a supervisor and she just kept repeating herself that I needed to re dispute and refusing to get me to a supervisor, not until I mention that I could sue them for credit damages is when she transferred me to a supervisor. A supervisor got on the phone and just kept telling me that my name, social, dob and belongs to that debt. I tried explaining to him the situation and all he kept doing is repeating the same thing, I asked how they do their investigations? and he says they call the number on file the creditor and when I asked for that number he stated he could not provide that to me because the creditors have it, I said I have a right to know what number is being used for something that is affecting my credit report. I even told them I give them permission to call them while I am on the phone and he said that XXXX can not do that, and he just kept repeating himself not listening saying I just had to redispute and that my name, social, dob belong to that creditor, i hung up on them out of pure frustration it was like talking to a wall. So at this point Im going on 3 months of XXXX blaming XXXX XXXX, XXXX XXXX blaming XXXX and nothing getting fixed and no one is doing nothing to get it fixed, I am at a stale mate. This has affected me greatly since I locked my rate for my refinance and ended up with a higher rate just because of an XXXX points difference which Im sure I would of had, had this debt not been there to begin with or at least corrected in the last 2 months.
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| 08/30/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Response to previous complaint # XXXX I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an account that you can not prove is mine.
You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt.
I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.
15 USC 1692cI 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.
If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account.
Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt.
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or Page 32 | 43 ( B ) in which such consumer resides at the commencement of the action.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney.
FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney.
With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure.
( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Your Options are as follows : 1 ) Delete this account and cease and desist with all collection activities ; 2 ) Settlement ; or 3 ) We go to court, and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages.
Sincerely, XXXX
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| 08/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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I spoke with the agent ( XXXX XXXX ) whom he said that I qualified for the loan and that he would deposit it into my account and I would have to pay {$230.00} each month for 12 months. The next day it was not credited and he advised me that I would need to pay {$75.00} for insurance that is required for an unsecured loan. He said I would need to get an XXXX gift card because they were not allowed to deduct it from the balance. So I did just that. Then he advised me later on that day, that the FTC would need me to make the first month installment payment because of my low credit score and that to assure them that I am capable of making payments. Once again he advised me to get an XXXX gift card. I was hesitant and told him that I dont feel comfortable doing that because why am I paying money to get money? However, he convinced me that he doesn't make the rules and am just following procedure and if I want my loan, I would need to comply. I also did as he asked and got another XXXX gift card for that and he said that it would be in my account within the hour. Unfortunately, it did not happen. So I called back and they said duet to the time difference, there in Illinois and me being in Hawaii it would be there the next morning. This did not happen, so I called and now the agent is not answering his phone. I got the phone number to the other agent ( XXXX XXXX ) whom also assured me that XXXX is working on it. Now its mid afternoon and I kept calling them back to find out what the problem is and XXXX said because there in Illinois and I'm in Hawaii, now I would have to pay the taxes on this funds that is being sent to me and asked me if I have another account that I can deposit the money into, due to some rules again. Now I am questioning him about this whole scenario and I feel like there just big con artist and scammed me out {$300.00}. He said I did not understand what he was saying about the rules and/or laws that they have to abide by.
He said he would call me back, which he never did. In the meantime I am trying to get a hold of the first agent and he's not answering me. So I call XXXX back and he starts getting strange on me and saying that I am not listening to what he is telling me and making remarks like blah, blah, blah and that I am ignorant to what he is telling me. I got upset and again reminded him that this is a scam and how they have falsely taken me for a fool, as I was talking he hung up on me. Tried calling him back and now now answer from him. These are the numbers that they call from XXXX - XXXX ( e ) XXXX XXXXXXXX / XXXX - XXXX XXXX .
Here is the email he sent me.
From : XXXX XXXX XXXX XXXX.XXXX Subject : Personal Loan Date : XX/XX/2019 at XXXX XXXX To : XXXX Hello Ma'am, This is XXXX XXXX from Speedy Cash Services. This email regarding your loan application which amount is {$5000.00}. Your loan application number is XXXX. This letter is notified you that due to your low credit scores the funds {$5000.00} has been block from Federal Trade Commission. And you are going to show your eligibility by showing your first installment to them. Your monthly installment is {$220.00}. Mr. XXXX XXXX is the person who will verified that funds from the FTC Side. As soon as you show your eligibility they will release the funds into your account. Kindly check the below details.
First Name : XXXXXXX ( I blocked out the personal information ) Last Name : XXXXXXX Loan Code : XXXX Bank Name : XXXX XXXX XXXX XXXX XXXX Routing Number : XXXX Account Number : XXXXXXX Since : 3 Years Thank you Regards - XXXX XXXX
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| 06/15/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
Servicemember |
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I do not recognize this debt. I received an email stating that there is an active warrant for search and seize, signed by someone with the same name as the US attorney for the Northern District of California, XXXX XXXX XXXX : CREDITOR : SPEEDY CASH SERVICES DEPARTMENT OF PAYDAY LOAN CASE NO : - XXXX DUE AMOUNT- {$550.00} LOAN COMPANY/LENDER Speedy Cash XXXX XXXX XXXX ( SEIZURE WARRANT ACTIVATION ) Note : - Today you have chance to stop warrant and settle this case outside of court.
Email us as soon as if you want to stop warrant : - mailto : attorney XXXX If you want to resolve this case outside of court so contact to our Settlement Department : mailto : attorney.d XXXX 1. If you can make a one-time payment of {$450.00} ( same day payment ) we can close your case file with this amount only.
2. If you are looking for weekly payment then you have to pay the total amount of {$550.00} with payment arrangement and you can pay {$100.00} weekly till paid in full.
Kindly let us know what type of payment arrangement you are looking for at Contact at : mailto : XXXX XXXX Account Status : Warrant IS ACTIVE FOR SEARCH AND SEIZE.
" Docket Number : # XXXX has been declared as a " GUILTY '' by Authorized Law Enforcement Department, Seizure Warrant has been activated. '' '' Account Status : WARRANT IS ACTIVE FOR SEARCH AND SEIZE ( Violation of the Fair Debt Collection Practices Act and Defamation of Character. ) " Debtor ( You ) has been declared as a guilty by Authorized Law Enforcement Department, Seizure Warrant has been activated under 15 USC 1692g Sec. 809 ( b ) of the FDCPA " Unless delayed notice is authorized below, you must give a copy of the warrant and a receipt for the property taken to the person from whom, or from whose premises, the property was taken, or leave the copy and receipt at the place where the property was taken.
The officer executing this warrant, or an officer present during the execution of the warrant, must prepare as required by law and promptly return this warrant. Pursuant to 18 U.S.C. 3103a ( b ), I find that immediate notification may have an adverse result listed in 18 U.S.C. 2705 ( except for delay of trial ), and authorize the officer executing this warrant to delay notice to the person who, or whose property, will be searched or seized.
Note : You will be contacted by your local county authorities. XXXX XXXX XXXX Department is closing this account and declaring as a GUILTY. If we will not receive any feedback from your side, then you will be the only person who will be responsible for any consequences.
( ACCOUNT DATABASE UPDATE : - FOR FUTURE REFERENCE, RESPOND TO OR PAYMENT FOLLOW UP/RECEIPT/PAYMENT ARRANGEMENT/RE-SCHEDULE DATES ETC., ) NOTE : YOU STILL HAVE CHANCE TO RECTIFY THIS OUTSIDE OF COURT, FOLLOW THE RESOLVEMENT PROCEDURE BELOW For settlement, payment arrangement or any other queries feel free to contact us : - mailto : XXXX XXXX XXXX XXXX Department Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your co-operation.
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| 10/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
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This company is stating that I took out a loan in 2015 and not providing proof of the loan, interest rate, fees, and payments without providing the following : A copy of the last billing statement sent to me by the original creditor.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments and/or other reductions since the last billing statement from the original creditor ; with an itemization showing the dates and amount of each of them.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when it was obtained, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about the authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If they are contacting me from a place outside my state, does the firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
It is my belief that the third-party debt collector is reporting false information to all credit bureaus and they need to cease and desist all collection efforts immediately.
I have made every attempt to resolve this debt legally and the collection agency is not clear about the debt collector 's authority to collect money from me regarding this debt.
Based on the last response from the debt collector, the debt collector is attempting to collect outside of the California statute of limitations.
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| 12/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I, XXXX XXXX, a natural person, and a consumer, receive my consumer report on XX/XX/2021, and noticed and have proof that I am a victim of identity theft as defined under 15 USC 1681a ( q ) ( 3 ). 15 USC 1681a ( q ) ( 3 ) -The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.
AD ASTRA RECOVERY SERVICES , INC has stated that I, a consumer, owe an alleged debt. This alleged debt has been furnished to my consumer report and is a violation of 1692b ( 2 ). See attached I, the consumer, have not given any prior consent or received any court documentation before the communication of this alleged debt. This is a violation of 15 USC 1692c ( a ) AD ASTRA RECOVERY SERVICES, INC engaged in conduct that has harassed, oppressed and abused me in connection with the collection of this alleged debt. Oppressing a right would be conducted not allowed under the FDCPA and is a violation of 15 USC 1692d. Credit is my right granted and protected by federal law. AD ASTRA RECOVERY SERVICES , INC has caused damages to my financial reputation by furnishing this alleged debt to my consumer report in order to coerce payment. This is a violation of 15 USC 1692d ( 4 ) and is known as debt parking described by the FTC.
AD ASTRA RECOVERY SERVICES , INC has communicated a false representation of the character and amount of this alleged debt. This alleged debt is furnished on my consumer report in a positive amount. It is impossible to pay on a positive balance. This is false and misleading and a violation of 15 USC 1692e ( 2 ) ( A ). AD ASTRA RECOVERY SERVICES , INC has knowingly furnished the credit reporting agencies with false credit information which is a violation under 15 USC 1692e ( 8 ) All of these actions were false and deceptive and a violation under 15 USC 1692e ( 10 ) AD ASTRA RECOVERY SERVICES , INC has not provided me with any validation of this alleged debt under 15 USC 1692g which should include : 1 ). amount of debt.
2 ). the name of the creditor to whom the debt is owed.
3 ). A Miranda which states unless the debt 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 ). Another Miranda which states if you notify 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.
5 ).
And a final Miranda which states 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.
My failure to dispute the validity of this alleged debt may not be construed as an admission of liability!
15 USC 1692g ( c ) The failure of a consumer to dispute th
e validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
These abusive and deceptive actions have caused a denial of credit and AD ASTRA RECOVERY SERVICES, INC is liable to me for actual damages sustained due to violations committed under the FDCPA.
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| 04/05/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I recently submitted a complaint and the company responded in regard to the Cease and Desist ; being that CEASE and DESIST was warranted by LAW because AD ASTRA RECOVERY has no right or contract to have access to my consumer credit report. However, AD ASTRA RECOVERY was not able to provide receipt of any contract I have with them, owing said debt. I have not been in any communication in any form with AD ASTRA RECOVERY and I urge them to delete all information from their company from all three consumer reporting agencies ( XXXX, XXXX, and XXXX. The Cease and Desist was warranted. However, the company ( AD ASTRA RECOVERY ) is still violating my rights as a consumer. No communication or tracking has been provided to me nor have I ( federally protected consumer ) validated said debt with AD ASTRA RECOVERY and they are committing aggravated identity theft in accordance with 18 USC 1028A and Debt Parking. In violations of the FTC Act, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act ; AD ASTRA RECOVERY has purported debts on my consumer credit reports without first attempting to communicate with the consumer about the debt. AD ASTRA RECOVERY has still not sent receipt of any communication thereof. I have not disputed this debt, validated this debt, nor been in communication or have signed any agreement to pay said debt. I am protected by the assignee clause and AD ASTRA RECOVERY is in violation of 15 U.S Code 1692e ( 12 ). Both AD ASTRA RECOVERY and said Debtor are both held liable by law. AD ASTRA RECOVERY and said Debtor have committed Aggravated Identity theft by mishandling personal information to create debt and has caused harm to my well being. This law is in accordance with Section 1028 ( a ) ( 7 ). AD ASTRA RECOVERY responded to my compliant stating they will reach to said " Orignal Debtor '' for validity and request account documentation. Which is further violation of 15 U.S Code 1692e ( 12 ) I have never given any personal information or permission to AD ASTRA RECOVERY to obtain copies of my consumer credit reports nor add negative items to my report. Which is in violation of 18 USC 891 Section 7 by committing extortion against me to cause harm to my reputation and that is a CRIMINAL ACT. Per the Federal Trade Commission ; the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX strictly prohibits " DEBT PARKING '' and AD ASTRA RECOVERY is in violation. AD ASTRA RECOVERY have in numerous instances, in connection with the collection of debts, have directly and indirectly used unfair and unethical means to collect/attempt to collect, by furnishing information regarding a debt to consumer before communicating with me ( consumer ) about the debt, in violation of Section 808 of the FDCPA, 15 U.S.C 1692f. AD ASTRA RECOVERY have, on numerous occasions, in the attempt to collect debts have implicated that I, the consumer am delinquent on a pay day loan that they have the authority to collect. This is misleading and criminally negligent information. The representations set forth in this paragraph constitute a deceptive act or practice, in or affecting commerce in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). AD ASTRA RECOVERY is also committing mail fraud by attempting to obtain money by means of false and fraudulent pretenses, in violation of 18 U.S Code 1341
|
| 06/05/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Incorrect information on your report
- Account information incorrect
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|
Web |
|
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Filed against : Speedy Cash XXXX XXXX XXXX XXXX XXXX KS XXXX And their representing collection organization, XXXX XXXX.
Complaint Description : FRAUDULENT ACCOUNTS, ILLEGAL COLLECTION ACTIVITY ON A PAID TRANSACTION. Illegal reporting to credit bureaus.
Before I understood that this company, Speedy Cash, did not have credentials to even operate in the state of Virginia, I took out an online loan in XX/XX/XXXX when I had an unexpected financial emergency. The amount of the loan was {$500.00}. I found this company online from a referral from another reputable Bank, unbelievably. They deposited {$500.00} into my checking on XX/XX/XXXX. In XX/XX/XXXX, a short 5 months afterward, Speedy Cash debited my bank account for 3 separate transactions on the same day. Those 3 transactions totaled the loaned amount of {$500.00}. I then demanded that the company close my record so I would not incur additional charges. Instead, 2 days later they transferred {$60.00} back into my account which I did not request. I informed my Bank. They then attempted on various dates to debit my account for varying amounts and it was then that I reported it as fraud to my bank, I heard nothing else. Fast-forward, it's now been less a year from the original loan on XX/XX/XXXX for {$500.00}. In XXXX, they debited that {$500.00} from my account all on one day. I thought matter was done. It was when my mortgage lender ran my report in early XX/XX/XXXX that they saw this collection operation, XXXX XXXX representing Speedy Cash, had reported to all 3 credit bureaus I owed {$1100.00} for a Speedy Cash loan! I knew this was fraud. When I challenged XXXX by presenting receipts from my bank on a call and email, they then claimed that yes, the initial principal sum was paid off but that the {$1100.00} was interest accruing on the " account '' ( there is no account because this is not a revolving credit line ). When I tried to locate who to contact from Speedy Cash, I noted I had several emails from them sitting in my spam folder threatening me with legal action. These emails were badly composed with misspellings and bad grammar, which leads me to think they are a phony organization. I also then learned that Speedy Cash is NOT permitted to operate in Virginia and that the interest rate they were seeking to charge me is prohibited in our state. As a result I have reported this matter to the Attorney General of Virginia and I have full intentions to report it to the Attorney General of the United States. I'm seeking legal counsel to take on this activity for other Americans. Not only did they report this fraudulent account of {$1100.00} for INTEREST accruing after principle paid off to all XXXX bureaus and threatening me by email, but they attempted to do so during the COVID-19 crisis. What's worse is, I'm a health care worker seeking to buy a modest home and my credit report was in great shape. This is extortion, reprehensible, illegal bullying behavior and I will take this all the way as far as I have to go. This is a crime, and now they have this other organized criminal organization, XXXX XXXX, attempting to collect on their behalf so they can appear to operate " legally ''. Since XXXX represents criminals, therefore they too are committing a crime. ADDITIONAL DETAILS : Case is being reported to Attorney General of Virginia.
|
| 05/08/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
|
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In XXXX I took out a {$400.00} loan from Speedy Cash. I made {$98.00} payments every two weeks until XXXX when I came into the store to retrieve my balance. I spoke to one of their representatives who notified me of my balance as {$1200.00}. I asked the representative for documentation prooving this balance and showing my account activity since the loan creation. The representative refused to give me any documentation. So I left and quit paying on the loan. They submitted the loan to collections through XXXX XXXX XXXX XXXX. I was harassed by XXXX XXXX since XXXX even after asking them to stop contacting me. I mailed a formal letter, signed and dated XX/XX/XXXX requesting documentation proving this debt. By law they had 30 days to provide the requested documentation or the account should of been removed. They did not respond at all, neither Speedy Cash or XXXX XXXX. The collection account fell off of my credit in XXXX of XXXX after 7 years. In XXXX of XXXX the exact debt was added back to my credit report but the dates from the account were changed. They reported that the loan account was created in XXXX and payments stopped in XXXX. If these dates were true then the original collection wouldn't have fallen off of my report after 7 years. I disputed the information with XXXX and XXXX in XXXX of XXXX. XXXX confirmed that the information violated the Fair Credit Reporting Act and removed the collection account from me credit report. XXXX also removed the account from my credit report. When running my credit to obtain a home loan, the account was still showing. I contacted each credit bureau who continued to tell me that the dispute had been resolved and the account was removed from my credit reports. I then contacted the collections agency, who was very rude and ended up hanging up on me. They proceeded to tell me the information was correct and that they would continue reporting this debt. I asked them if they obtained the proof and were supposed to supply that information to me. They informed me that they sent me a " contract ''. I did not receive anything from them. I have now only spoke to them twice. Once to dispute the debt and once to ask why they were still reporting an item that had been removed because it violated the Fair Credit Reporting Act. The representative told me she would transfer me to someone who could help. The line rang and rang and rang and then hung up. I then contacted XXXX and was met by another representative, just as rude, who told me the information in the dispute was verified as correct but removed from my account. I asked her if it was correct then why was it removed? She said thats what I wanted right. So I asked how XXXX came to the conclusion the data was correct. She could not provide me with an answer and refused to let me speak with a supervisor when I requested. XXXX also stated the dispute and collection account had been removed. XXXX, does not have a working number that I can call and speak to an actual representative or get any help at all. This information is incorrect. I have seen no proof proving the information is correct and have been told by the credit bureaus the information has been removed but also by the collection agency that they're going to ignore the removal and continue reporting.
|
| 07/29/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I have tried multiple times and ways to obtain proof from Ad Astra Recovery over the past 18 months that I owe this debt. I have never received an initial notice of collections, including one in which that states I could dispute the debt. When I pulled my credit reports quite a while ago, I was surprised to see this debt and company. I do not recall every doing business with them or the original creditor. Upon learning of the derogatory trade lines, I first submitted my debt validation requests directly to XXXX XXXX, and XXXX requesting proof of the debt, as they are the repositories reporting the information. I did not receive a debt validation, any proof of the debt owed, or a response at all from any of the three bureaus as a result of that request ; however, all three bureaus acknowledged my request by adding a statement to their respective Ad Astra trade line indicating " Account Information Disputed By Consumer ''. Ad Astra has since continuously called and harassed a family member. Ad Astra has been advised several times it is a wrong number for me ; however, Ad Astra continues to call them at the same number repeatedly. At this point, my family just hangs up when they call. I called Ad Astra today, XX/XX/2021, to request they cease calling my family and ask for a debt validation to be sent to me, as well as inquire why they did not respond to the dispute via the bureaus. The first representative advised me when they acquired the debt, they were given data only, but no copies of original documentation they could produce proving it's my debt and that I agreed to repay. That representative advised me I should file a police report for fraud. Due to being struck by a car and left with a XXXX XXXX XXXX, I did have some medical and miscellaneous bills fall behind, though I am unfamiliar with this one. I told her it would be unethical and illegal to file a false police report, and due to my XXXX XXXX XXXX, I would need to review their documentation to ensure the debt was or was not taken out by me. The representative advised me a fraud report or police report is just their policy, she was unable to assist further and transferred me to a supervisor. The supervisor advised that they could send me a " verbal validation '', which he explained is a letter from them stating that I owe the debt. I advised him that was not sufficient per FCRA, and I would need to see the documentation - note, promise to pay, security instrument, etc. - that was signed agreeing to repay the debt, so I could confirm if it was indeed mine or the result of fraud. The supervisor was rude and refused. When I advised him that I wanted to enforce my rights under FCRA, he indicated he did not know what FCRA is and that I was " just throwing out initials [ I ] saw on XXXX. '' Ad Astra has failed to respond to three separate credit repositories with a dispute and request for debt validation, they have continued to call and harass my family members with repeated calls to a number they have been notified is not for me, they have stated to me they do not have the debt validation documentation where I supposedly signed agreeing to repay the debt, and they have refused to provide me with a legitimate debt validation upon my request directly. I have exhausted all options.
|
| 04/01/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I was notified by several.of my credit monitoring services trusted is .XXXX XXXX..XXXX XXXX. That a new negative account.was added to my credit. On XX/XX/XXXX. Upon.checking.the alert I found XXXX XXXX XXXX XXXX had placed a debt for. {$700.00} original debtor XXXX XXXX or speedy cash their.one.in.the same as a collection.account that was placed with XXXX XXXX XXXX on XX/XX/XXXX. Upon.calling them XXXX XXXX inquiring on.this.it.was revealed that they were trying.to.collect a.paid.debt. this.debt was.already paid.thru XXXX XXXX XXXX XXXX back.in.XX/XX/XXXX it was paid.in.full.an.I.did.that just to.get it.off.my.credit as I.did.not.make.that debt as I.am.in.process.of.purchasing.a.home. I.contact XXXX XXXX an they said.to send them.email ofnoroff.of.payment XXXX which I.did an they have not deleted the frivolous claim.they put.in my.credit.why are they able.to attempt.to.collect.a.paid.debt where do.they get the.info.of.these debts an is there not.a.system.in.place to.reflect they are paid.I feel after lengthy online.investigation that XXXX XXXX among other are fraudulently.trying.to.collect any debts paid.or.not.an.no.paying.the debt or the right.s to.collect. it has damaged.my credit.49 points my credit worthiness an.deflation of.my.character I.want this.removed from.all three bureaus.an.any other.credit bureaus that collect.or.log.ie XXXX XXXXXXXX etc.an.my score.out.back.to.where it.was.I.just got.a gold we I have worked very hard to.achieve good.credit XXXX to have it wrongfully.ruined. I.am.already victim of 4 different data breaches An I.do n't have time.to.not.should.I.have to.worry about this.an.undue.distress.an potential inability now.as underwriting.will.pull a.report an.see this timing.is.not.on my.side..
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX This is the company trying.to.collect a paid debt This.is.the company I paid XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
XXXX. Ks XXXX XXXX File # with XXXX XXXX XXXXXXXX An on my paid receipt XXXX XXXX showed a XXXX XXXX XXXX XXXX XXXX XXXX..al XXXX An XXXX XXXX agreed if.I paid.it.in full when I.called in it they would delete remove it.from my.bureaus an.u.would.have to.wait 30 days to.do it an they did.not.have it.done.in that time an I.called them.again.an. basically was told to.wait.30 to.45 days an not.to.dispute or.it. would have to.start the time.wait over again. after 45 days I.disputed.a. still had to.re dispute as the verified as a accurate debt an left.it.paid.collections.I.called XXXX XXXX again an.using threat of.taking them.to.court they finally 39.additinalndays later removed it.after I.disputed it.a.second.time..
I am.seeing.damages for.the slander.and.deflamatiim of.my an.credit.worthiness.an.character. an.I.want the agencies to.be fined.for.their. faults.I.believe their.1000 a pop for attempting.to.collect.a.paid.debt Dilute.to.notify me.at all.of.their attempt to collect.
or.5 day notice to.place in.my credit my address is.currently report Collecting.a debt when they are.not.even.in the county.the debt originated.
Throw the book.at them.an.please get.this.off.my.credit.
You can.reach me.at XXXX XXXX XXXX XXXX.
If.prompted I.will.upload.proof.of payment an the other info.I.have .respectfully.
|
| 04/05/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
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This will be the final communication i will be giving on this matter because I have made an offical police report and to the FTC, because my Identity was indeed stolen and I have already given Speedy cash of the person actually responsible. I have no connections whatsoever in this matter and I highly advise for you to cease any contact and to release me and my private ibfo from this case. Because I am NOT the person you are looking for and I have explain thia to the fraud dept becauase when it was first reported. Also, it should be report that this person that I have mebtoned many tinea s have been the name on the letter abd it was wrongly mailed to my addrsleas. This person. do not live there. I have also report it to the US Postal inspectof to not habe these speedy cash letter deliver anymore because it did indeed was address with a different name that I never heard abd this is the person that Stole my ID abd use my personal info, includibg my address and etc. To open this account fraudently and I have given all info needed and been corporative as much as possible but you do not have any authroity to cobtibue to harass me and falsely place use my personal info to falsely accuse me of so ething i had bothing to do with ; in fact I am the vixtim here and it is agaist my rights to be force into communicate eith a company that is breaking the law at this point.
I was only instructed to give either a police case/report number or an FTC avvadavit abd in this case, I gave both.
So, please cease these harassing and unlawful acts abd remove all my ibfo from your system and from this case. You have no authority to use my stolen info and you need to go after XXXX XXXX. This is who these letters was actually adress to and I have photos of them and I have given APD this info also. Again he does not live at the XXXX XXXX XXXX address. He lives somewhere else. Yhis accoubt us to be closed nd all further actions for collections will cease XXXX XXXX stole ny ID and personal info abd he use my address falsely and without legal permission. This is my final statement to resolve this matter.
P.S. For further reference : XXXX Police report # XXXX & FTC case # XXXX for more info.
here is the XXXX XXXX XXXX case #, on for reference as well as to the main reason for this second comlaint to the CU.S. XXXX XXXX XXXX because of an recent email correspondent threatening a lawsuit by the creditor of Speedy cash ( XXXX XXXX XXXX XXXX XXXX ), to me on or around XX/XX/2018 via email. I do beleive this to be a scam/Fraud because there have been recent reporting of financial payday loan institution such as XXXX XXXX XXXX, XXXX and other similar payday loans putting loans in people 's names and falsely accusing, including placing lawsuits, on those people, including myself, of owing on this loans that I honestly have no association with whatsoever. So, this is a very serious matter that needs to be address by U.S CFPB.
Here 's the proof : CREDITOR : XXXX XXXX XXXX CASE NO : XXXX Attention : XXXX XXXX, AMOUNT OUTSTANDING : {$850.00} Unpaid invoice # { Debt Recovery Case Number : { XXXX } I am also attaching one of the more recent letters from Speedy Cash with XXXX XXXX XXXX 's name on it to show proof to clear my name, privacy and personal info.
|
| 06/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I XXXX XXXX am a person, non-adverse, non-belligerent, non-combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you Astra Recovery to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. Astra Recovery must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for Astra Recovery to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with XXXX and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and Astra Recovery. Providing that Astra Recovery is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate.
I also request the following documentations listed bellow to be certified and sent with your response.
Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to.
( Fields v. Wilber Law Firm Coppola v. Arrow Financial Services ) ( 73 Am Jr. sect. 93 ) & Gearing v. Check Brokerage Corporation ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( 15 ) days.
Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
|
| 03/02/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have previously requested more information about the debt specified- more specifically debt validation.. The company keep sending the same information over and over. The debt collectors failed doing the following : Collector failed to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ). Collector failed to provide a valid basis for the debt, such as the original contract/agreement, promissory note between Consumer and original creditor, bearing Consumer wet-ink signature. 3 ) Collector failed to provide proof when the original creditor claims this debt became due and when it became delinquent. ) Collector failed to provide a valid basis for the debt, such as the original contract/agreement, promissory note between Consumer and Collector, bearing Consumer wet-ink signature. 5 ) Collector failed to provide a copy of the last billing statement sent to Consumer by the original creditor. ) Collector failed to provide late payment notice and/or account closing notice provided by the original creditor ) Collector failed to provide Bill/Summary of Consumer Rights. ) Collector failed to provide me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above-alleged account. ) Collector failed to provide me a verified certificate of authority, and/or proof that your company are licensed to collect in my State. ) Collector failed to provide general ledger statement showing the full accounting of the alleged obligation you are attempting to collect, accompanied by a commercial affidavit by the original custodian of the books and records. ) Collector failed to provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as FR 2046 balance sheet ( OMB # 's 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S, and RC-B call schedules. ) Collector failed to provide verification and/or copy of any judgment if applicable. ) Collector failed to provide proof of any interest, fees or other charges expressly authorized by the agreement. ) Collector failed to provide a certified copy of all Public Hazard Bond ( XXXX ) and Liability Insurance Policy ( XXXX ) and accounting demonstrating the financial capability of Collector. ) Collector failed to provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector. XXXX ) Collector failed to provide a Statute of Limitations expressly authorized by the agreement. Thus, Collector cant validate Statute of Limitations debt starting and expiration date. XXXX ) Finally, the Collector failed to provide an affidavit signed under Penalty of Perjury that Collector or any agent ( XXXX ) acting on their behalf has not violated any portion of the Fair Debt Collection Practice Act.
This is currently showing on my credit reports with account number XXXX. This company is also not legally authorized to collect debt in my state of residence Arkansas.
|
| 09/02/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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I currently have a loan with Speedy Cash and I am being charged about 125 % -325 % daily interest for an installment loan. InXX/XX/XXXX I was short {$1000.00} from paying for my deposit for a home. I was running out of options and I had to be out of my apartment by XX/XX/XXXX. I am a mother struggling with XXXX children and my XXXX sister which whom I am caring for. At the time I had just XXXX from college and was starting out on a new job. I seen an advertisement for speedy cash about an installment loan. I went to speedy cash to try an apply for the loan and was surprised when I was approved. I informed the customer service representative that I only wanted to pull out {$1000.00} because that was all I needed. The customer service representative informed me that I would need to pull out a minimum of {$2600.00}. At this moment I was in dyer need of the money so I could safely move my family into a home, so I pulled out the {$2600.00}. The customer service representative informed me of the high interest charge but did not informed me that I would be paying this interest charge daily! Fast forward to today. I have been paying my loan for five months without NO missed payments, but I noticed that my principle amount was not going down, but instead the amount was raising steadily. Concerned about this, I called speedy cash corporate to find out why. That is when I was told that I am being charged daily interest. I learned from speedy cash agent that the payments I am making are going directly toward the interest and not the principle amount. The agent informed me that I can pay more when making payments so that some of the money can go toward the principle amount. Paying {$130.00} twice a month is already hurting me financially let along paying any more. I was so devastated because I have already paid speedy cash {$1200.00} so far and thought I was making progress in paying off my loan. I called speedy cash a third time to inform them that I lost my previous job and I am working somewhere else making much less money. I tried to speak with a supervisor so that I could get assistance with paying off the loan principle amount and I was denied. I am currently working on repairing my credit, and I am trying to do the right thing. However, if I continue down this never ending path with speedy cash I will be paying them more than {$7000.00} on an XXXX loan. I believe this is should be a crime to put individuals in need in this predicament!! I could understand having to pay {$500.00} solid on top of the principle loan for taking out the loan but {$4000.00} more is ridiculous. I am not the only one who is having this issue with speedy cash I am sure. All I am asking for is help. I can no do this anymore, the cost of living is already high and to be a prisoner to a business is very depressing. Please understand that I am not trying to get out of paying the loan, I just believe that I have paid more than enough toward the interest, and I am requesting to just pay the principle. I thank anyone in advance who is willing and kind enough to help me. NOTE : I can not remember the representative names I spoke with at speedy cash.I also have receipts off ALL my payments made to Speedy Cash.
|
| 12/03/2016 |
Yes |
|
- Can't stop charges to bank account
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|
Web |
|
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On XXXX of XXXX I took out a payday loan with Speedy Cash. I was not able to pay the loan back as I moved to the state of California. Now that I am able to pay the loan a little at a time, I attempted to make payment arrangements. I agreed to pay about {$120.00} a month but realized my payment would be late. In XXXX XXXX, I made a {$100.00} payment on the Speedy cash website towards my owed balance with a credit card and that transaction was cleared. When I woke up on XXXX/XXXX/XXXX and looked at my account, I noticed the total due amount was being charged to my card. I called Speedy cash and they redirected me to XXXX XXXX XXXX XXXX because they said this agency was in charge of the account now. When I called XXXX XXXX, I was told that it was Speedy Cash that charged my card and they could not do anything about it. I asked XXXX XXXX to delete my card information as I was revoking any further transactions to be charged. I was told by them that they did not have any card information, that Speedy Cash was the one who had that information. I again called Speedy Cash and spoke to a third person who quickly transferred me to another male. This male proceeded to tell me I had a zero balance on my account. I let him know that they charged my card but that the balance would bounce because I did not have that amount of money. I asked to be put on a payment plan to avoid this from happening. He let me know there was nothing he could do because the account was at zero balance. He asked that I call in a few days to make payment arrangements. I let him know that by that time the account would be charged again since it did not go through the first time. He said there was nothing he could do. I informed him I wanted to revoke my permission to allow them to charge my card for debt collection. He refused and said that because I owed a debt to Speedy Cash they could continue to charge my card on file to collect the full amount. I informed him it was my right to revoke any future authorizations to go through to my account and he said " You 've made it known ma'am! CALL YOUR BANK AND HAVE THEM CANCEL THE TRANSACTIONS. '' At this point, this male was screaming at me on the phone and being extremely disrespectful. I tried to explain that the bank would charge me for bounced payments or even to stop payments so I wanted the transactions to be cancelled on their end. He again said there was nothing he could do. I asked that he delete my card information from their system as I did not want them to use my card for future transactions and he replied by saying that had the right to continue to try to collect the debt through my card so he would not delete it. I again said I wanted to make it clear that I revoked my permission for any further transactions to be charged on my account. At this point this male was screaming at me on the phone so I hung up the call. My understanding is that Speedy Cash must comply to my requests when I ask them to stop future transactions and they have refused to do so. I also want my complaint to be against this last male I spoke to who was rude, condescending, and ended up screaming at me on the phone when I just wanted to resolve an issue.
|
| 12/10/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
Actions : I closed my checking account. The payday loan companies will not provide me with a hard copy of the information and will not take a different form of payment other than ACH debit from checking account.
I have just found this information out due to my checking account having many issues.I did not figure out the everything until XXXX the first week in XXXX. I had this happen with 3 other companies during the same time period. The companies deposited money into my account and it all originated through email. All four companies deposited money initially and made withdrawls from my checking account. I have received harassing phone calls on my cell phone as well as work.
My checking accounts were closed after several hours at the bank on XXXX. A new checking account with a new number has been made my bank.
This has caused a lot of issues.
My checking account has had several issues and I learned it was fraud through my checking account. I have learned this originated through my email account.
1. XX/XX/XXXX-Email stating an account has been created for me and to sign online using your email and password. ( THIS IS WHERE I THINK ALL THE FRAUD BEGAN ) Welcome to Speedy Cash Your Speedy Cash account has been created. You can now sign in to your online account using your email address and password 2. XX/XX/XXXX-Email from XXXX XXXX : XX/XX/XXXX stating the following : ( I did not request this loan ) Your loan request in the amount of {XXXX} is being processed. Your request was approved outside of today 's funding time. You should receive your funds within the next 2 banking business days, subject to financial institution funding times and system limitations. Funding times will vary by bank.
2. Funds are in account -- XXXX in checking account 3. XXXX -email from Speedy Cash that loan is approaching and a link to sign in my account. See the following : Your payment is due XX/XX/XXXX As a reminder, the payment due date for your Speedy Cash loan is approaching.
Payment Information Loan Number XXXXXX Amount Due $ XXXX Due Date XX/XX/XXXX If you already made the minimum payment due, please disregard this message.
*Based on your loan payment schedule, we will attempt a payment of {XXXX}. Please note that the actual amount may differ based on account activity.
If you elected to automatically make your loan payment per the optional loan payment authorization form, you dont need to take further action.
If you would like to make a manual payment or change your payment information, please sign in to your account.
Sign In To My Account 3. Email that money is being withdrawn from Checking Account being withdrawn on XXXX 4. Another email that account XXXX that a the same payment is due on XXXX for XXXX.
5. XXXX email stating payment is dueXX/XX/XXXX for XXXX.
- a reminder, the payment due date for your Speedy Cash loan is approaching.
6. XXXX email stating payment is due XX/XX/XXXX for XXXX.
- a reminder, the payment due date for your Speedy Cash loan is approaching.
7. XXXXemail stating Loan Balance of XXXX.
8. Several more emails continued through XXXX XXXX so far as well as debiting from my checking account.
|
| 06/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
On XXXX XXXX at XXXX EST, I received a call from XXXX from Speedy Cash Loans confirming that my loan request was received and that I had been approved to receive a loan in the amount of {$3000.00} with a 10 % interest with monthly payments at {$150.00} for 24 months to which I agreed. XXXX then told me he needed to process the information and that he would call me back the following day. The next day arrives and XXXX calls to confirm that since I had a poor credit score rating, I needed to prove my financial stability by making a gift card purchase at {$150.00} and the amount will be processed for the loan to be complete. I made the purchase and sent him the receipt and confirmation code needed for processing and He told me he would call back after processing. At XXXX I called him and he confirmed receipt and processing of the purchase then he stated that the loan had been processed but there was a state transfer fee that needed to be cleared from my end in order for the funds to be disbursed. I was out at the time with a tow truck to pick up my car which had a burst tyre so I could not make that purchase that day so I returned his call the following day with the purchase and receipt of another gift card at {$220.00}. At XXXX on XX/XX/2022, XXXX informed me that the fees had been cleared but that there was a final fee that needed to be cleared again in order for the loan to be finalized and that fee was for the loan insurance at {$170.00}. I was frustrated because he had not informed me of these fees prior to accepting the terms of the loan in an email he had sent which I will attach below, neither did this email make any mention of these fees. Although I was already low on funds and had upcoming bills I needed to pay, I figured once the loan was processed, I would be able to pay my bills and afford the late fees at that moment. So I made another gift card purchase of {$170.00} and forwarded to XXXX the receipt and details. He had promised me, I have audio recording proof, that this was the last fee I needed to clear to finalize the loan and that I would be receiving the money after this fee was cleared. That weekend was a holiday weekend so I did not hear from XXXX until Tuesday afternoon at XXXX. I had informed him that I had not received the funds and he told him to give him a couple hours to check on the status of the process. At XXXX, he called back and informed me there was a delay on the processing due to the holiday weekend and that requests were being cleared one by one and when it got to my turn, he would inform me. I did not hear from him until XXXX after calling him 8 times. He called to inform me that there was another fee to be cleared before the funds would be disbursed and to my utter disappointment, I asked him to cancel the loan because I was already late on bills and had no more money on me. He then informed me that it would take 7 business days to process the loan cancellation which I felt very unfair because each time he made a request, I got it processed within minutes and I had no more time to spare. This experience has been beyond distasteful and I would not wish it on my worst enemy.
|
| 08/11/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
on XX/XX/XXXX I received deposit into my account for {$2600.00} which I rescinded the loan. on XX/XX/XXXX company withdrawal funds from my account for the amount of XXXX which did not clear. I was unaware of the XXXX processing fee. I called company on XX/XX/XXXX stating that the " ACH '' did not clear. I was told that I must wait until Thursday when company gets response back from payment attempt. I agree. Thursday XX/XX/XXXX, I called company to request payment in full of loan which agreed XXXX via " ACH ''. The following Wednesday XX/XX/XXXX I contacted company again stating that there has been no attempt of withdrawal for the funds agreed upon. The company apologized and stated it appeared the " ACH '' process was n't completed on the XX/XX/XXXX payment request. The conclusion of the XX/XX/XXXX phone called, I updated my email address and once again gave authorization for Speedy Cash to withdraw funds from my account of XXXX. The Customer Service Rep. from Speedy Cash sent me an email XX/XX/XXXX @ XXXX XXXX to XXXX of the terms of our agreement. On XXXX, I contacted company inquiring why the amount had not been withdrawn from my account. The Representative stated something was wrong with the payment, it had not been processed once again. We went over the banking account once again, and this time. I advised Customer Service Rep. that I was unaware of the XXXX processing fee and that no one told me. The Representative stated that it 's the company 's responsibility to state how much will be withdrawn when an agreement of " Payment '' has been made so he lowered the fee to original fee of XXXX to be withdrawn with an email of the said agreement. The email sent from Speedy Cash dated XX/XX/XXXX includes loan # XXXX with bank account on file overriding any previous agreements. On XX/XX/XXXX, I contacted company again because payment was not withdrawn. The Customer Service Specialist, stated that a payment was sent but no response. He indicated that the payment did not clear, so I contacted my bank with Speedy Cash representative. They had not been any attempt made to retrieve monies from my account other than the initial attempt. I authorized payment once again however this representative refused to provide an email in regards to my attempt to take care of payment for the amount of XXXX. On XX/XX/XXXX, Speedy Cash withdrew funds from my account of XXXX which would reflect the original agreement of loan terms. This is the same account that they utilized from the beginning and the only account number ever provided. The company did not send any " ACH '' transactions and utilized my debt card to retrieve the XXXX. I could not use my debt card to make payment of XXXX because it exceeds my spending limit. Please help. This company has continued to lie to me as I 've contacted this company for the entire month of XX/XX/XXXX to resolve this issue. This company no longer has access to my account and I 'm prepared to pay them the amount in full owed. The total balance remaining owed XXXX with the amount deducted XX/XX/XXXX of XXXX equals XXXX as last agreement sent via email and last authorization. thanks kindly, XXXX
|
| 04/21/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
As a federally protected consumer, I recently filed a cease and desist letter issued to AD ASTRA RECOVERY. AD ASTRA RECOVERY is a debt collection agency that is attempting to collect a debt from me, that is not owed to them. I have never signed a trilateral contract between AD ASTRA RECOVERY that states I do any types of business with them nor have I given them access to my consumer reports. However, AD ASTRA RECOVERY has unlawfully added their tradeline to my consumer reports without my knowledge or consent. The company has reported this for months and have damaged my credit report and my financial reputation.
No communication or tracking has been provided to me nor have I ( federally protected consumer ) validated said debt with AD ASTRA RECOVERY and they are committing aggravated identity theft and Debt Parking. In violations of the FTC Act, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act ; AD ASTRA RECOVERY has purported debts on my consumer credit reports without first attempting to communicate with the consumer about the debt.AD ASTRA RECOVERY has still not sent receipt of any communication to attest to the fact that I signed up or signed a contract to do business with them on behalf of said Debtor. They Have no right to have access to my consumer reports I have not disputed this debt nor been in communication or have signed any agreement to pay said debt. I am protected by the assignee clause and AD ASTRA RECOVERY is in violation of 15 U.S Code 1692e ( 12 ). Both AD ASTRA RECOVERY and said Debtor are both held liable.
In prior complaint, AD ASTRA RECOVERY did not acknowledge cease and desist, they just stated that they would sent letter proving alleged debt but did not send any proof that they have the legal right to have obtained my consumer reports or any receipt showing where I do business with them or agreed to make payments to them. This is in violation of my rights according to 15 U.S Code 1692c ( c ).
AD ASTRA RECOVERY did not have prior consent from the courts or I, the consumer before communication about the collection of any debt which is in violation of 15 U.S Code 1692c ( a ).
AD ASTRA RECOVERY & SPEEDYCASH ( Said Debtor ) are in violation of the assignee clause which makes them both liable according to 15 U.S. Code 1692e ( 12 ).
AD ASTRA RECOVERY has still not proven that I validated said debt before it illegally and unlawfully added to my consumer reports, which is in violation of 15 U.S Code 1692g ( c ).
AD ASTRA RECOVERY stated in response to my last complaint about my failure to dispute. " The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by consumer '' according to 15 U.S Code 1692g ( c ) My attorney has filed a complained with the Federal Trade Commission citing all violations made by AD ASTRA RECOVERY. I have also filed complaints with the Better Business Bureau.
AD ASTRA SHOULD IMMEDIATELY remove their tradeline from my consumer reports. They have knowingly committed many violations with " Debt Parking '' being the first and foremost
|
| 10/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
This company refused to provide me with documentation requested due to identity theft but continued to report the false information on my credit report.
Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges that are indicated on the report : I have enclosed a copy of my FTC Identity Theft Report.
In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft.
I have enclosed a copy of the 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 : 1. Account applications with my full name made on paper, online, or by telephone.
2. Account statements or invoices 3. Records of payment or charge slips and when did account was open 4. Delivery addresses associated with the account 5. Records of phone numbers used to activate or access the account 6. Signatures on applications and accounts.
Please send me a letter explaining what you have done to : Inform the business where the account was opened that the debt is the result of identity theft Stop collection activities against me Stop reporting information about the debt to credit reporting agencies If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Provide me with the records I request Thank you for your cooperation.
Sincerely,
|
| 07/24/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
In XX/XX/XXXX, I received a title loan for my XXXX XXXX XXXX Vin # XXXX that I bought outright from a individual in XX/XX/XXXX or so of XX/XX/XXXX with a salvaged title, the account is currently 58 or so days past due because in XX/XX/XXXX, I received a notice from the Texas Department of Public safety who advised me that they believed that the vehicle was stolen sometime before XX/XX/XXXX from a XXXX plant in XXXX, Tennessee. After an investigation by a DPS agent, it was determined that the vehicle was in fact the vehicle that was stolen from the plant which had been paid off by the insurance company for XXXX XXXX. For this reason, the vehicle was seized by the XXXX on XX/XX/XXXX pending a property hearing that I had to attend at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Through the hearing I was granted sole ownership of the vehicle except by law it had to have everything changed over. I had to pay close to XXXX to get it out of the impound which was about the amount of the first loan payment, get the vin # reassigned with the state of texas, get it inspected and have it re-registered and re-titled to reflect what the vehicle actually is. I very recently, about a week, maybe 2 weeks got all of this done. So as said by the State of Texas, I am the owner of a XXXX XXXX XXXX vin # XXXX that has a clean title. On Friday, XX/XX/XXXX XXXX legal services illegally repossessed the vehicle by breach of peace being that I live on private property in a gated community that requires a gate code or clicker to enter, the last 6 of the VIN that would n't have matched the repossession order is displayed on the tag that I had just obtained on the XX/XX/XXXX and is also tagged inside the driver door of the vehicle. I advised the repossession company that it was illegal to repossess a vehicle that they do not have a proper order on or contract for. I advised them that all legal and binding documents including the power of attorney was for a XXXX XXXX XXXX, NOT the vehicle that they are in possession of. All of this information has fell on def ears, I am now without a car and have yet to hear anything from anybody concerning my car or the loan for that matter. In speaking to the agent XXXX at XXXX, he stated that I was trying to scam the loan company which is utterly ridiculous, I was not aware of the issue with this vehicle when I originally bout it, nor when I got the loan. I am a victim of a crime and was acknowledged as such by a Judge for the State of Texas as well as the auto-theft taskforce in XXXX XXXX who are the people who gave me the XXXX reassignment documents. I did not change the vin and have to do all that I had to do and go through to avoid the loan, these are things that happend because of the original crime that I was a victim of. A XXXX XXXX with a salvaged title is worth no where close to what a XXXX XXXX with a clean title is worth so even that is unfair. If I wanted to avoid the issue with the loan, I could very easily file Bankruptcy, that is not my intention for the record.
|
| 04/28/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
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Someone from XXXX and XXXX law firm text me me about my debt with speedy cash and this what they told me : Hello, this is the XXXX and XXXX LAW FIRM. This message is solely for, XXXX XXXX.
We are representing XXXX XXXX. Founded in 1997, XXXX XXXX XXXX XXXX is the country 's leading provider of non-bank financial services, with approximately 2,100 centers across the country. The company is the Mother Lending company for companies like XXXX XXXX XXXX, XXXX XXXX XXXX, Speedy Cash, XXXX, XXXX, XXXX XXXX, XXXX XXXX and many more. The Company is a founding member of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, whose mission is to promote laws that provide substantive consumer protections and to encourage responsible industry practices. XXXX XXXX is a wholly owned subsidiary of XXXX XXXX, one of the largest XXXX American providers of banking services, consumer finance and specialty retailing.
The loan you have taken out became delinquent and the company has full rights to press charges on you.
Details are below.
Total Outstanding Balance ( Due Amount ) : {$1100.00} ( Including Late Fee, Penalty, Affidavit Charges and Rate of Interest Charges. ) We have more evidence such as the Bank Account, Account & Routing Number, References ( With Phone Numbers ), Drivers License, Employer Name & Address, IP Address and many more.
One Time Settlement Offer : 1 : {$400.00} XXXX Has to be paid Today XXXX.
2 : {$650.00} ( {$200.00} Today and {$450.00} Paid Within This Week ) 3 : {$200.00} ( Bi-weekly starting from today until paid in full ) Or the Entire balance of {$1100.00} within the next 30 days.
Consequences ( Further Legal Steps ) : 1 : Lawsuit Filed Under Several Sections 2 : Your Employer Will Be Informed.
3 : Credit Bureaus Will Be Notified So That It Could Be Reported to Your Credit.
4 : References Will Be Informed.
5 : A Day in Court.
6 : Garnishment of Your Paycheck.
Let us know whether you opt for a one-time settlement or payment arrangement for the whole amount, so that the account can be updated.
Since this loan account is very past due, we would appreciate if you give this matter your earliest attention, as this account has to be updated on an urgent basis to avoid legal action.
( Please not the legal affidavits have already been generated on your file, for filling it with the court house tomorrow first thing morning. As this is an urgent matter and needs your attention to it right away. You have time till close of business today ).
Please contact the petitioners office. It is your legal right to do so. That number is XXXX XXXX XXXX XXXX. Thank you. That day they told me to get a XXXX XXXX gift card for XXXX which I did and they want me to send a payment of XXXX a month from not to XXXX of next year for the total amount XXXX I called the website where I got the loan from and they said that it might be a fraud and for me not to send money but I still have the text where they message me and the picture of the receipt that they sent me.
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| 12/25/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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AD ASTRA RECOVERY SERVICES , INC.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To : The Office of Registered Agent for AD ASTRA RECOVERY SERVICES , INC.
From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
3 ) Documentation that shows I agreed to pay this debt with my signature.
4 ) The Agreement that grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including license number that give you rights to collect in my state.
You will forthwith return and transmit your written evidences of your delegated authority to represent that you and Speedy Cash XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.
I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.
You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages.
Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.
If you lack understanding of this paperwork, forward to your ATTORNEY.
By : XXXX XXXX XXXX
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| 12/25/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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AD ASTRA RECOVERY SERVICES , INC .
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To : The XXXX XXXX XXXX XXXX for AD ASTRA RECOVERY SERVICES , INC .
From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
3 ) Documentation that shows I agreed to pay this debt with my signature.
4 ) The Agreement that grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including license number that give you rights to collect in my state.
You will forthwith return and transmit your written evidences of your delegated authority to represent that you and Speedy Cash 308 is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.
I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.
You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages.
Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.
If you lack understanding of this paperwork, forward to your ATTORNEY.
By : XXXX XXXX XXXX
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| 11/29/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XXXX, I received a letter in the mail from a company named Ad Astra Recovery Services. The letter had my name XXXX XXXX on the letter. I opened the letter and it stated that this comp was telling me that I owed an amount XXXX cent. The letter also advised that I had owed the money to Speedy Cash. I did not know who Speedy Cash was nor who Ad Astra Recovery Services was. The letter specified a file XXXX XXXXXXXX and reflected the date of loan as XX/XX/XXXX. I told my husband about the letter and he asked when the loan was opened and how it was opened, He then said how were you able to open a loan with them When you were in the hospital the week that this loan was opened up.The letter had the last four of my social security number. The loan number was XXXX, the original creditor Speedy Cash was located at XXXX XXXX XXXX XXXX. XXXX, MO XXXX the past few months I submitted numerous disputes to Ad Astra Recovery Services . I asked for verification of me owning this account, Ad Astra R ecovery Services sent documentation that I requersted with verification of me owning this account. They sent information that was not accurate as it pertained to me, and where I lived. I was advised the account was opened online with my personal information. Such as my DOB, last four of my social security number. I disputed the account, and advised Ad Astra Recovery Services that the account was not mines. I called Ad Astra sme time later after rhey refused to remove the account off my credit file. It was at this timed I found out that the account was opened online with my personal information. I tole them that the day the account was opened, I had been in the hospital the week of the XXXX, XXXXXXXX. And there was no way that I could have opened the account. Cause I was XXXX XXXX XXXX XXXX XXXX, and would not have been able to open the account. I also was made aware of the address on the account did not match where Iived. The address on the account was XXXX XXXX XXXX XXXX, Texas XXXX. This address was not my address, My address was XXXX XXXX XXXX XXXX, Texas XXXX Who ever opned the account gave a partial of my address, leaving the city XXXX XXXX Texas off. But gave the address as being in XXXX, Texas XXXX, which I have never heard opf before. Over the last four years I have attempted to get this remeoved, it got to the point I just got tired of dealing with it. I became very frustrated with dealing with Ad Astra Recovery Services, I requested copies of signatures, even electronic signature. Thery could not provide any pictured ID, of my drivers license. Even though they said they said they had my drivers license. This account over the years has effected my credit directly. The date that shows when the account was opened. On my credit reports it reflects the loan date as XX/XX/XXXXXXXX, but on documentation sent to me it shows the a date of XXXX XXXX, XXXX. So, there are two different dates on when the account was opened..,
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| 12/03/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/19 Speedy Cash put an unauthorized payment withdrawal through my bank for my adult son 's payday loan he was late on. I had used my card before and issued one time payments each time to help him out through their Speedy Cash mobile app. I did not issue a payment to them on this occasion. On XX/XX/19 I called my bank to start the dispute process and I also sent an email to Speedy Cadh asking them to reverse the unauthorized charge. I also went onto their app to remove my card information, however their app does not give an option to delete or remove prior payment methods. I called my son and he told me that they had tried to take it out of hid bank account twice before they decided to take it from my card information. So I immediately called my bank, had my card stopped and replaced and sent both Speedy Cash and my bank the documentation proving the payday loan account was not mine and that they used the card without permission to ensure their loan payment got paid without regard to whether or not the account they were taking from was my son 's. My bank now tells me the dispute will be open until XX/XX/19, and they can't guarantee I will have my money returned. On XX/XX/19 I received an email back from Speedy Cash stating they could not discuss confidential information by email and to call them. So I responded back to them that I didn't have an account with them it was my son 's account and they had no right to take money out of my account just because I had used the card to help him out by physically entering the payment authorization myself. No response so I call the number they gave me but I was informed they couldn't speak to me about because it was someone else 's account. In the mean time this has left my account in a minus balance with no way to buy groceries for the week and take care of my own finances. I have sent both the bank and Speedy Cash the same documentation showing the loan account is not in my name and asking them to reverse their mistake but neither one wants to help or respond. And it is not right that I should have to wait for one more minute to get back a payment that was fraudulent and proved not to be my account. I want them to return my money immediately instead of giving me the run around that they can't speak with me because it's my account. And the documentation that I sent should be more than enough to close the dispute with my bank and have them return the money ... ... what does it take for them to look at the documents and right away straighten this all out immediately instead of waiting almost 3 full weeks ... what is Speedy Cash and my bank both holding out to return it? I want immediate answers and actions. I want the money back now ... ..I didn't physically authorize this payment, it should be considered fraud and theft. And Speedy Cash needs to seriously be looked into, why would they ever be allowed to get by with taking money that doesn't belong to them?
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| 11/28/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XXXX, I received a letter in the mail from a company named Ad Astra Recovery Services. The letter had my name XXXX XXXX on the letter. I opened the letter and it stated that this comp was telling me that I owed an amount XXXX cent. The letter also advised that I had owed the money to Speedy Cash. I did not know who Speedy Cash was nor who Ad Astra Recovery Services was. The letter specified a file # XXXX and reflected the date of loan as XX/XX/XXXX. I told my husband about the letter and he asked when the loan was opened and how it was opened, He then said how were you able to open a loan with them When you were in the hospital the week that this loan was opened up.The letter had the last four of my social security number. The loan number was XXXX, the original creditor Speedy Cash was located at XXXX XXXX XXXX XXXX. XXXX, MO XXXX.Over the past few months I submitted numerous disputes to Ad Astra Recovery Services . I asked for verification of me owning this account, Ad Astra R ecovery Services sent documentation that I requersted with verification of me owning this account. They sent information that was not accurate as it pertained to me, and where I lived. I was advised the account was opened online with my personal information. Such as my DOB, last four of my social security number. I disputed the account, and advised Ad Astra Recovery Services that the account was not mines. I called Ad Astra sme time later after rhey refused to remove the account off my credit file. It was at this timed I found out that the account was opened online with my personal information. I tole them that the day the account was opened, I had been in the hospital the week of the XXXX, XXXXXXXX. And there was no way that I could have opened the account. Cause I was XXXX XXXX XXXX XXXX XXXX, and would not have been able to open the account. I also was made aware of the address on the account did not match where Iived. The address on the account was XXXX XXXX XXXX XXXX, Texas XXXX. This address was not my address, My address was XXXX XXXX XXXX XXXX, Texas XXXX Who ever opned the account gave a partial of my address, leaving the city XXXX XXXX Texas off. But gave the address as being in XXXX, Texas XXXX, which I have never heard opf before. Over the last four years I have attempted to get this remeoved, it got to the point I just got tired of dealing with it. I became very frustrated with dealing with Ad Astra Recovery Services, I requested copies of signatures, even electronic signature. Thery could not provide any pictured ID, of my drivers license. Even though they said they said they had my drivers license. This account over the years has effected my credit directly. The date that shows when the account was opened. On my credit reports it reflects the loan date as XX/XX/XXXXXXXX, but on documentation sent to me it shows the a date of XX/XX/XXXXXXXX. So, there are two different dates on when the account was opened..,
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| 05/20/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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The company is called Speedycash. It is a pay day loan service, but they also have gaming consoles, and electronics such as laptops and tablets. Having had an old computer I decided to get a laptop though them since it seemed an easy process to do. To sum it up. I got the laptop. Payments are automatically ( required ) to be taken out on your paydays per their stipulations. My pay days were every other Tuesday, so they debited the XXXX dollars out of my account every other Tuesday. The problems started when I changed jobs. With the new job, my pay days are every other Friday instead of Tuesday. They kept taking my money out of my account every other Tuesday like those were still my pay days, which caused my account to be over drawn twice. I called them and told them this. They said they would make the changes in my account of my new pay days so the payments would go through on the correct days. The changes did n't happen and my account was overdrawn again. I called them again and told them this, which because of all this caused me to be behind XXXX payments to them because they were drawing the money out on the wrong days. I called them and told them the problem yet again. Spoke to two different representatives and set up a payment arrangement to be taken out of my account to catch me up the following Friday. The following day another major problem happened. I called again to ask another question about my account and when I verified my information ( my name and ssn ) they said that the info I gave them did n't match what was on file. ( mind you I had just spoken with and verified my information with two different customer service reps the day before ). Frustrated, I was told I had to call one of the local Speedycash stores and give them my information again and the customer service rep at the store had to the call customer service center and give them my information. This did n't make sense to have that level of incompetency happen that fast with my personal information. Once that was cleared up just in the last few weeks and the day of this writing they have been ( attempting ) to take money out of my account on days when I have n't authorized. The day of this writing, XXXX dollars was taken which caused my account to be overdrawn again and the same amount was tried last Friday, which caused me to be late on my car payment. The only thing I am left to do is to change the account # on my account information that they have so they wont be able to just go in my account Something needs to be down about this company and their shady business practices. They have lied to me when I have called and asked about how and when my payments go though my account, saying that its all up to a computer system and that they have no control over it. I was even told that payment arrangements are n't always honored because of this so called system. Any help would be greatly appreciated.
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| 03/12/2020 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I just received an email ( see below ) for a debt I do not have. I do not have any outstanding bills with this company. I've had companies try to fraudulently get money from me in the past and this is the latest example of this scam. I want to report them and go after them for fraud if possible.
CONTENTS OF EMAIL : XXXX XXXX Thu, XX/XX/2020 at XXXX XXXX To : " XXXX '' CASE NO : XXXX CURRENT BALANCE : {$920.00} Today Settlement amount {$480.00} CONTACT AT : mailto : XXXX After receiving this email we will issue a legal warrant on your name within the next couple of hours so before you do anything read this email very carefully and respond back early as possible. You are hereby notified that a lawsuit has been filed against you for three serious allegations. Speedy Cash is a client of ours, and we are going to be representing them in future legal proceedings.
The charges with Speedy Cash pressed on you are : 1 ) Violation of Federal Banking Regulation 2 ) Collateral Check Fraud 3 ) Theft by Deception Basicall y all the payday loan companies and payday loan store in the state of PA working under my client which is Speedy cash Inc?
When the creditor attempted to extract the funds back from your account as a repayment, at that time 6 EFTs were returned back constituting worthless electronic checks. So, as of now rather than chasing you for money the creditor has simply decided to write this money as a loss, as well as declared to be stolen and they pressed charges against you.
Now
the affidavit is taken by FDCPA law that means the Fair Debt Collection Practices Act under Section 9 Chapter 19. Now this means just two things for you : 1. ) If you are on any state supervised probation on payroll, then you will need to intimate the officer about this case. 2. ) If you have any prior convictions including
but not limited to worthless check, grand theft or money laundering, so please be aware that they shall handle this case as a habitual offense as your state is a zero-tolerance state.
Finally, this case is going to be downloaded in your State County Court and your Local County Sheriff department Monday at XXXX XXXX as per your State Standard Time and after then you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is {$980.00} If you are willing to settle it out of the court you can surely respond positively today itself. We can only accept your full payment today also there is no negotiation and there are no payment plans available as the issue at hand is extremely time-sensitive.
So kindly respond to this email on mailto : XXXX to resolve this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX TX.
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| 11/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
Servicemember |
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I am a 100 % XXXX XXXX on a fixed Veteran 's Disability compensation. My monthly income from my XXXX XXXX is approximately {$3000.00}. I have additional monthly requirements to pay out of that amount including my car payment ( {$210.00} ) and insurance ( ~ {$200.00} ), credit card payments ( ~ {$500.00} ), shared rent/utilities ( {$1500.00} ).
Around early XX/XX/2019, I was approached about a potential business opportunity that required I put in {$4500.00} as a " partner ''. This money wasn't readily available to me so I went to " Speedy Cash '' to see if I could get a loan. I provided my income and debt statements ( above ) to the processor. They said they could approve the amount- {$4500.00} - at 132.006 % interest. I did not understand what that meant but because I was trying to participate in this business, I signed the contract.
At one point I was able to make a sizable payment- {$1000.00}- which I wanted to make against the principal balance. I had already had that month 's payment debited from my account. I went into the location, told the processor that I wanted the additional amount put towards the principal loan amount. Not only did they not put it against the principal as requested, they added it as an " additional payment '' without any change to the interest or number of payments to be made.
I used my disability to make payments until the " business '' accounting could take over. I authorized auto-pay and the monthly amount of {$520.00} was debited from my personal account. When the " business '' could pay the loan, I called Speedy Cash and changed the payment account to the business bank. At that time I authorized auto-pay. The account was subsequently closed and I needed to use a debit card to pay the loan.
When the account was closed, I called Speedy Cash to provide my debit card for a ONE-TIME PAYMENT for that month while I figured out the situation with the business account. This occurred at the beginning of the COVID-19 pandemic. Speedy Cash fraudulently used the card after the fact when they couldn't debit the bank account directly. I filed a dispute with the bank at that time.
As a result of COVID-19, I was unable to make payments. I called Speedy Cash to request a deferment citing that I was financially impacted as a result of COVID-19. They would not provide any allowances for non-payment with a COVID-19 excuse. I repeatedly explained that I was on a fixed income and the my " business '' had suffered directly as a result of COVID-19 closures but they insisted that it be repaid immediately.
I made multiple attempts to work with Speedy Cash but they have not worked with me in any capacity. I've previously requested a copy of my payments vs balance only to be told it's not available. They have now reported this to the credit bureaus as a " serious delinquency '' and a collection 150+ days.
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| 07/19/2019 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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Received this e-mail on XX/XX/XXXX at XXXX from XXXX threatening to search and seize my home and property, I am not sure exactly who this came from, it could be another agency who has purchased the debt or a pure scam but this is a clear violation of the FDCPA : CREDITOR : SPEEDY CASH SERVICES CASE NO : - XXXX OUTSTANDING AMOUNT : {$750.00} After numerous attempts to reach you we haven't received any payment or any positive feedback from your side, as you are not paying your seriousness on this account which means that you are trying to run away from the situation and repeating the same activity which you did before with the loan company. We tried our best to help you on this matter but you are taking this matter lightly.
Account Status : WARRANT IS ACTIVE FOR SEARCH AND SEIZE ( Violation of the Fair Debt Collection Practices Act and Defamation of Character. ) " Debtor ( You ) has been declared as a guilty by Authorized Law Enforcement Department, Seizure Warrant has been activated under 15 USC 1692g Sec. 809 ( b ) of the FDCPA " Unless delayed notice is authorized below, you must give a copy of the warrant and a receipt for the property taken to the person from whom, or from whose premises, the property was taken, or leave the copy and receipt at the place where the property was taken.
The officer executing this warrant, or an officer present during the execution of the warrant, must prepare as required by law and promptly return this warrant. Pursuant to 18 U.S.C. 3103a ( b ), I find that immediate notification may have an adverse result listed in 18 U.S.C. 2705 ( except for delay of trial ), and authorize the officer executing this warrant to delay notice to the person who, or whose property, will be searched or seized.
Note : You will be contacted by your local county authorities. XXXX XXXX XXXX XXXX is closing this account and declaring as a GUILTY. If we will not receive any feedback from your side, then you will be the only person who will be responsible for any consequences.
NOTE : YOU STILL HAVE CHANCE TO RECTIFY THIS OUTSIDE OF COURT, FOLLOW THE RESOLVEMENT PROCEDURE BELOW IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : - mailto : XXXX Department Of l Debt Settlement Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your co-operation.
XXXX, Restitution Head XXXX.
XXXX XXXX XXXX XXXX
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| 02/11/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have reason to believe that AD ADSTRA RECOVERY SERVICEXXXX is " parking debt '' on my consumer report in an attempt to coerce me the consumer into paying a {$1600.00} debt that I don't owe and has been doing so since XX/XX/2018. I've tried to remedy this situation through the process of disputing the alleged debt, but there was no " reasonable investigation '' done on behalf of AD ADSTRA RECOVERY SERVICEXXXX or the three consumer reporting agencies XXXX, XXXX, or XXXX. Running a consumer report through the " XXXX '' automated system does not constitute as a " reasonable investigation ''. I demanded " to see '' verifiable information such as, chain of custody, purchase agreement, bill of exchange, original documentation with my wet signature in " blue ink '' not a " carbon copy ''. None of which were provided to me after the conclusion of the automated investigation. So how can this alleged debt be valid or verified?
Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Per the Federal Trade Commission : Just what is debt parking? Its the practice of placing purported debts on consumers credit reports without first attempting to communicate with the consumer about the debt. Some call it passive debt collection, but theres nothing passive about the injury it can inflict. Consumers often dont learn about it until a mortgage company, prospective employer, or other decision maker pulls their credit report and spots what appears to be an unpaid debt. With a house, car, or job in the balance, many people feel pressured to pay up even though they may not actually owe the money.
Me and my family have suffered severely due to this inaccurate, erroneous information being reported on my consumer report. This has damaged my character, my reputation, and my general mode of living as well as my ability to obtain credit for personal and house purposes.
15 U.S. Code 1681- Congressional findings and statement of purpose U.S. Code ( b ) Reasonable procedures It is the purpose of this sub chapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this sub chapter.
Now how are these kinds of deceptive tactics " fair '' and " equitable '' to me the consumer?
I believe my consumer rights are under attack.
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| 11/11/2020 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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Here 's the body of the email received from Speedy Cash where you'll notice what I believe are numerous violations of the Fair Debt Collections Act and also what I believe are several violations of criminal law by holding himself/herself out to be a law enforcement official and an attorney at law. Everything in this email is my complaint in a nutshell : Attention, Debtor CREDITOR : Speedy Cash Group CASE NO : XXXX OUTSTANDING BALANCE {$1100.00}.
After numerous attempts to reach you, we haven't received any payment or any positive feedback from your side, as you are not paying your seriousness on this account which means that you are trying to run away from the situation and repeating the same activity which you did before with the loan company. We tried our best to help you on this matter but you are taking this matter lightly.
Account Status : WARRANT IS ACTIVE FOR SEARCH AND SEIZE ( Violation of the Fair Debt Collection Practices Act and Defamation of Character. ) " Debtor ( You ) has been declared as a guilty by Authorized Law Enforcement Department, Seizure Warrant has been activated under 15 USC 1692g Sec. 809 ( b ) of the FDCPA " Unless delayed notice is authorized below, you must give a copy of the warrant and a receipt for the property taken to the person from whom, or from whose premises, the property was taken, or leave the copy and receipt at the place where the property was taken.
The officer executing this warrant, or an officer present during the execution of the warrant, must prepare as required by law and promptly return this warrant. Pursuant to 18 U.S.C. 3103a ( b ), I find that immediate notification may have an adverse result listed in 18 U.S.C. 2705 ( except for the delay of trial ), and authorize the officer executing this warrant to delay notice to the person who, or whose property, will be searched or seized.
Note : You will be contacted by your local county authorities.
XXXX XXXX XXXX Department is closing this account and declaring as a GUILTY.
If we will not receive any feedback from your side, then you will be the only person who will be responsible for any consequences.
IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT, CONTACT TO RESTITUTION DEPARTMENT : - mailto : XXXX Regards, Restitution Head Department Of l Debt Settlement Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, retransmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your co-operation.
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| 03/11/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
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| 08/17/2022 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I disputed the amount 2 years ago because ( XXXX/AdAstra ) they reported it during COVID when I was having financial issues and I had told them that.
They then went and debited my account for this money in full ( {$3500.00} ), but it caused me to overdraft and then the money was reversed and I was charged an overdraft fee. I had to close that account and bank elsewhere. That was also illegal. But they did it. We had no food. I communicated my situation and then they overdraft me causing me more money loss and hardship in the middle of COVID.
They did this without consent and billed my old debit card for 2 accounts. One went through for a few hundred dollars. This one did not. They did not have consent on either. I had PAID this off in interest too. But the interest rate was SO HIGH it wasn't going down. So, they are really not out any money. It's predatory lending.
Each MONTH they update the old debt and make it look like it is a current late payment. It shows this under " status date '' and " balance date '' and each month on the XXXX it is reported LATE again and AGAIN. I disputed it and they did it again.
They won't stop. It's illegal and reading my debt. It makes this old debt look like NEW DEBT and it hits my score again and again each month.
It has damaged my credit and this is OLD. It's NOT NEW It caused me to not be able to take out a Federal Parent Plus Loan, this past month for my for my daughter 's education because they have reported monthly to the credit bureau like it's a payment I miss montly, Federal loans say you can not have any new collections in 2 years. This was years ago but they have re-aged the account. They keep re-aging the account.
Finally, just a few months ago they had to put the original date on the credit report. But still report monthly like it's a late account. This is OLD DEBT. And when they report late each month its doesn't matter they show XX/XX/2019 because it is still reported each 4 weeks to the bureaus. I have nothing else derogatory on my credit so because of this my scores won't go able XXXX. It is so upsetting.
This is against Fair Debt Collection Act and illegal. Additionally, they call my cell when I told them to not call again. Most recently they have twice, again after I disputed this again with XXXX. They said they debt was current and it is not. It should be uncollectible as it is now too old. I live in CA. They have the wrong date also on this. It was earlier than XX/XX/2019.
They should not be able to report to credit bureaus. They had my e-mail and have only been calling despite me telling them to never call again. I have screenshot of one of recent calls from a XXXX number after XXXX XXXX at night. It is harassment and they have raged my account monthly for 24 MONTHS since they started reporting this!!!!
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| 11/21/2017 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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I was sent through a text message on my phone from speedy cash, which I have no dealings with, but the kept trying to contact me. So heres the last harassment : Legal Matter.
Read all case related information carefully we will not able to provide you any information over the phone if you willing to settle this matter out of court call us on listed number.
Three Criminal allegations against your name under Financial Fraud are : - Violation of federal banking rules and regulations.
Theft by deception Breach the contract with Loan Company The affidavit states that you went online or to the store utilizing your personal information which was track down by anti-fraud department, in order to solicit funds from My client which is XXXX XXXX XXXX.Basically all the loan companies in your state they are working under my client XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) so its doesnt matter from which website or from which store you taken out this loan main lender have a rights that they can file complaints and recover outstanding balance in the courthouse.
As of today rather than chasing you for money XXXX XXXX XXXX has simply decided to write this money as loss & declared to be stolen by you & want to press legal charges on you & on your Social security number. We will be in contact with your current employer & the state credit bureau to garnish your paychecks until the total amount gets paid back to your creditor in full with the interest amount & the late payment charges.
Your Credit score will hit by negative XXXX points & your drivers license will get blocked.
You do have right to hire an attorney, if you dont have one or you can not afford to have one that shall be appointed to you by the Federal Court, but make sure you have someone to who can bail you out once you lose this case in the county court.
Now this case going to be downloaded in your State County Court and your Local County Sheriff department after that you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is {$950.00} NOTE : This case is under investigation by the credit bureau so we cant accept your payment from your bank account or your debit card we can only accept EFTS ( Electronic fund transfer system ) payment at this moment so kindly contact on the listed number below to get the information for the XXXX XXXX and XXXX XXXX.
XXXX XXXX XXXX XXXX To Remind you, I have never taken any loans out through this company. I have through a different company which is paid off.
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| 08/31/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I noticed a collection on my credit account from collection agency AD Astra Recovery Services Inc. for a {$310.00} loan from Speedy Cash. I contacted the collection agency via telephone to complete a dispute. I was informed that a written dispute was the only form of dispute they accept. I sent the agency a Validation of Debt letter on XX/XX/XXXX requesting a number of documents to validate this alleged debt. They responded back to my Validation of Debt letter missing all of the requested documents. I contacted the agency within 30 days of receiving response. I spoke with a representative in regards to missing requested documents, she informed me that they do not have the requested documents and that I would need to contact original creditor. I informed them that being that they are the agency that is reporting this alleged debt to the credit bureaus, they should be able to send the requested documents. However, being that they did not respond with requested documents within 30 days, they were therefore were unable to validate the debt and I am requesting for the account to be deleted. I was then transferred to supervisor XXXX ID # XXXX, who informed me that they sent over what they had and the account will not be deleted. I informed him that what they sent was not what I requested, and the name that they had on file was not even my name. He just repeated several times that the account will not be deleted.
I requested the following documents : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein she agreed to pay the creditor.
Any insurance claims that have been made by any creditor regarding this account.
Any Judgements obtained by and creditor regarding this account.
Name and address of alleged creditor.
Name on file for alleged debtor.
Alleged account number.
Amount of alleged debt.
Date that this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to the collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
They responded to my requests with a letter that has an inaccurate spelling of my name as well as just a receipt from Speedy Cash. They did not send any other supporting documents to validate the alleged debt they are reporting to the credit bureaus. I informed AD Astra Recovery Solutions, both written and verbally, that if the alleged debt is not validated with the requested documents within 30 days the account needs to be deleted. AD Astra Recovery Services Inc. did NOT validate alleged debt within 30 days. They also refused to delete the account.
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| 07/26/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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Today, XX/XX/XXXX, while going thru my emails, I came across another email from a different loan company threatening to sue me. I never got a loan from this company either : CREDITOR : XXXX XXXX XXXX CASE NO : XXXX OUTSTANDING AMOUNT : {$840.00} Subject : Unpaid loan Invoice CONTACT AT : mailto : XXXX This Proceeding issued on you Docket No : - XXXX with one of XXXX XXXX XXXX XXXX in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of THE XXXX LAW FIRM has decided to mark this case as a flat refusal and press legal charges against you.
We have sent you this warning notification about legal proceedings on XX/XX/XXXX but you failed to respond on time now its high time if you failed to respond, we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated.
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the law suit will be the next step which will be amounting to {$2600.00} and will be totally levied upon you and that would be excluding your attorney charges.
Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step.
This is your last and final chance to settle this case if you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.
IF YOU WANT TO RESOLVE THIS CASE OUTSIDE OF THE COURTHOUSE CONTACT TO RESTITUTION DEPARTMENT AT : mailto : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX At Speedy Cash, the privacy and security of your personal and financial information is our top priority. Since our doors first opened in XXXX, we have been continually innovating and implementing advanced technologies and techniques to ensure the safety and privacy of your information. We deeply value the trust you place in us and we are committed to providing you a safe and secure loan experience regardless of the method you decide to use to apply for credit with us.
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| 11/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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On XX/XX/XXXX I took out a loan from Speedy Cash for {$1100.00} ; due to be paid off on XX/XX/XXXX or pay a fee of {$640.00} every two weeks. On that same day I asked the representative assisting me how much would I have to pay if I wanted to pay the loan off in full on XX/XX/XXXX. She stated I would have to pay {$1100.00}. On XX/XX/XXXX I called Speedy Cash prepared to pay off my loan. I was given a higher amount of {$1800.00}. I told the representative I had been given an amount of {$1100.00} to pay and the higher amount would only apply if I paid after XX/XX/XXXX. She then said I had been misinformed and that the {$1100.00} amount would have only applied if I had paid the loan off on the same day I took the loan out. At this point I realized this was an obvious attempt to prevent me from paying the loan off. Because why would I take out a loan only to come back the same day and pay it off hours later? I was deliberately 'misinformed ' in a effort to make it impossible for me to pay the loan off. These are highly unethical and shady business practices. Speedy Cash has now turned my account over to a AD ASTRA, a collection agency with a balance of {$2400.00}, over half the amount I originally borrowed. I've contacted AD Astra and made a payment arrangement of XXXX XXXX/mo and have been paying this amount consistently since XXXX of this year. I have limited income because of the pandemic. This is an economic hardship on me and my family as I have had a drastic reduction in income.
I recently filed a complaint with the XXXX XXXX XXXX and provided proof of the representatives annotations of the {$1100.00} amount that was due on XX/XX/XXXX. They refuse to address my complaint and only refer me to the collection agency. Speedy Cash has stated that they refuse to reduce the balance owed to the amount their representatives promised which is {$1100.00} minus payments already made. They have also told the XXXX that the reason I am not allowed to pay the lesser amount is because I didn't have it paid by XX/XX/XXXX.
But I was never offered a chance to pay the {$1100.00} on, during, or leading up to XXXX of this year so this was a blatant lie. Speedy cash made a deliberate effort to prevent me from paying off my loan by promising me I could pay off my loan on XX/XX/XXXX and avoid paying the {$640.00} fee as long as it was paid by that date. Then when I attempted to pay the loan off on XX/XX/XXXX I was told I would have to pay {$1800.00}, an amount I made clear to the representative the day I took out the loan, I could not afford. These are very deceptive and fraudulent businesses practice on Speedy Cash 's part.
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| 07/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with additional add-on products or services
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Web |
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On monday XX/XX/XXXX at XXXX XXXX i received a txt message from this company saying that i had been approved for a personal loan with a certain amount of money to give them i call back to that number.
I called back they had already my information and they said i will be getting the money they just had to increase my credit score.
After that some hours passed and they said in order to help me out to increase my credit score they were going to deposit money in my bank account XXXX dollars and i had to pay them back that money right away in order for them to verify me.
Some hours passed and they deposit XXXX dollars saying it was just to check my bank acount. Thay ask me to buy a XXXX prepaid card to pay back that money to them, i did that and after they ask me to deposit XXXX dollars into my own bank account in order for them to confirm all the transactions.
XXXX XXXX that was his name called me back around XXXX XXXX that monday and said the money was going to be in my account the next day right in the morning.
XX/XX/XXXX called me in the morning and said i needed to buy XXXX XXXX cards.
I check my bank account that morning and i had XXXX deposit in my acount i believe they were going to be for the loan. That called and they said my credit score needed to be higher and with those 8 XXXX cards they were going to help me, and that was the last thing i had to do. I bought the cards with that money and XXXX said to give them a couple of hours so the money could be in my bank account.
XXXX called me back several times and ask for my bank account information saying that they were going to put they money but they couldnt because something was wrong with my account. At XXXX he called and said the money was going to be in my bank account fist thing in the morning that they had some problems with the manager.
XX/XX/XXXX in the morning i check my bank account and i had XXXX dollars they called me and said they couldnt deposit the money because my account had minus if i had bought something or if i had bills to pay that i had to pay that off first in order for them to give me the money, i reply to them saying i didnt had any bills or anything it was just them and the XXXX cards they had made me bought. XXXX told me to give him 2 hours in order for him to check that, at XXXX XXXX he called me back saying he couldnt fix it and i had to pay XXXX dollars in another XXXX card in order for them to fix it or to cancel all the loan, i tell him no and he said he couldnt do anything and that the minus moeny in my bank account had been me.
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| 07/07/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
Account Name : AD ASTRA REC Account Number : XXXX Please remove it from my credit report.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE.
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA XXXX PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC XXXX XXXXXXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
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| 11/17/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Can't stop withdrawals from your bank account
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Web |
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A few weeks ago I talked to rapid cash/speedy cash to let them know that I had XXXX recently and wanted to cut off my automatic draft so that I could stop payments from coming out my bank account automatically. They agreed, and took it off. Just to be safe I called my bank and ordered a stop payment on my account as wel which I received in the mail confirming it. I went into rapid cash and said that I have to pay for my rent and a few other things after the XXXX and was a little behind and that I wanted to try set up payments for a smaller amount until I could afford my regular amount. They said I would have to contact customer service to pay a smaller amount but that the automatic drafts is off. A few days ago I called customer service and I told them that I could not afford my regular payments at the moment and that I wanted to see if I could pay something smaller. They agreed that I would only have to pay {$50.00} every 2 weeks or less until I was able to pay more. They said I could even pay {$25.00} each account. They said that I could either call in on Friday and make the payment with my bank card or I could go into the store. I opted to go into the store to make my payment on the due date. They said they could not stop the Collections calls since I 'm not paying the minimum amount but they could limit it to every 3-4 days. Today XXXX XXXX before I went to go make my payment agreed upon I checked my bank account and I noticed they withdrew {$300.00} something out of my account even though they said my automatic drafts were turned off and my bank stopped the automatic drafts. When I called my actually bank they said that the original time rapid cash tried to draft it it did not go through. So they changed their numbers around to try to draft the Money out of my account until it worked. My bank thankfully stoppped it after it started processing.. When I called rapid cash/speedy cash customer service department they said I never stopped the automatic draft because I would have to call 3 separate departments to do it, which they never told me up front. They said it was off. Also, my bank did a stop payment on drafts from them and they still changed there numbers around to draft it. I want to make payments in smaller increments and pay it off but I do not know what to believe anymore, because they are doing something different then what we agreed upon. Even though I am setting up arrangments with them to pay over the phone they are still charging my account.
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| 02/10/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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1.I have never had an account with this company AD ASTRA RECOVERY SERVICES , REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are AD ASTRA RECOVERY SERVICES the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 01/05/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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1.I have never had an account with this company XXXX XXXX XXXX XXXX , REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX XXXX XXXX XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 10/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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AD Astra has continued to make contact with me via mail after I have asked them to cease and desist any communication with me. This is a direct violation of the FDCPA. Communication is defined as conveying information regarding a debt directly or indirectly to any person through any medium. I never asked AD Astra to obtain copies of any contract or related documents and mail them to me, I have never asked for validation or verification of this alleged debt.
This company is making an effort to collect off of an extension of credit by extortionate means by furnishing negative information to my credit report in an effort to coerce payment from me, 18 USC 894. My social security number was used in connection with this transaction and I am aware that my SSN belongs to the Social Security Administration. Anything obtained with that number is the obligation of the United States. Being that AD Astra is attempting to collect this alleged debt makes you guilty and in violation of the false claims act ( FCA ) 31 USC 3729-3733. In accordance with USC 15 1641, civil action can be brought against an assignee of a creditor. By AD Astra continuing to make false claims that I am obligated to pay a debt and ruining my credit, you will be held civilly liable for tarnishing my credit reputation. I have never signed any paperwork with AD Astra stating that I ever agreed to pay them anything. Whether this alleged debt was assigned to them or not does not make me liable to pay AD Astra for something I never agreed to pay them. This company has used my personal and private information and has furnished this to credit reporting agencies which they never had my consent, written or otherwise to do. I DID NOT AND DO NOT CONSENT to this company furnishing this information to my consumer report. This by definition is considered identity theft 18 USC 1028A. They are also using my personal identifying information to try to collect an extension of credit by reporting my stolen information to a credit reporting agency to receive payment for an account that I never had with them. This is fraudulent and unlawful in nature. Any continued negative reporting of this account will result in legal action in Federal Court. AD Astra has 15 days to delete the negative reporting or they will be sued for Defamation and for not complying with the FDCPA or FCRA. In addition, I will also be reporting this company to the FTC for aggravated identity theft and fraud.
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| 10/13/2018 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I obtained what was supposed to be an installmant loan through speedy cash on XX/XX/2017 for a total of XXXX dollars due to hardship. From my understanding they added about XXXX dollars worth of interest onto the loan and i would have over a certain amount to pay the loan back as you i have with previosly obtained and paid loans. I began paying the loan back in payments of XXXX every other week from XX/XX/2017 untill XX/XX/2017 so a total of 11 payments of the XXXX, so over XXXX XXXX dollars worth of payments overtime. About half way through i had logged intospeedy cash to see what my exact balance was and to my suprise it was exactly the same amount as the loan i had recieved despite all of the payments i had made towards the account. I called speedy cash to ask them what was the deal with the account balance and how it hadnt decreased even with all of the money i had already paid. They then told me that the only way i was going to be able to pay the loan off entirely was to pay the interest, as well as the entire amount that i had borrowed initially. I made sure to tell her i didnt sign up for a payday loan and that i signed for an installmeent loan, something that i could pay back over time because of the tremendous hardship i had been facing. They then told me that i had no other option but to just pay it off. I kept making payments every other week untill XXXX and my account indeed still remained the same amount, if not more by the next time i made a payment. So finally i sent them an email statiting that i was not going to pay them anymore due to the fact that i had already paid the loan in full three times over, and that i did not ever sign for a payday loan. I knew it could not be interest compiling that fast within teo weeks due to Texas legal laws in place. As of last month speedy cash has had a collection agency ( XXXX XXXX XXXX XXXX ) flag my credit, bringing my score down tremendously. They show that i obtained the loan in XXXX of this year ( which is false information ) and that i have only made one payment ever with the account ( which is also false ) i have sent in bank statements, i have sent payment confirmation reciepts via fax from my email, but the company persists on leaving the falsified information on my credit account as if it were truely an installment loan i just defaulted on, and did not pay them for when its not true. They refuse to remove it unless i pay them an additional XXXX dollars.
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| 02/15/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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On XX/XX/XXXX about XXXX I logged into my account to check the balance and was shocked to see that it was XXXX to XXXX dollars less than expected. I immediately went to my transaction history page and noticed a card to card transfer to an XXXX XXXX that occurred on XX/XX/XXXX at XXXX for XXXX , I don't know who this is, so XXXX called the customer service line for XXXX XXXX, and while I was going though the process of getting to a customer service rep, a second transaction for XXXX $ went through, the rep told me about it after confirming my account info that was at XXXX and the time stamp on the second transaction is XXXX, it takes longer than that to get thru the automated system and account verification process. I explained to the rep that I hadn't done that, didn't know this person, and had never even done a card to card transfer before, didn't know how. She transfered me to another rep who handled that type of problem. I went through the whole thing again with this lady she immediately canceled my card, told me to change my password on the account. I explained to her that when I send money I use XXXX XXXX or XXXX XXXX and had no idea this was even possible. She asked me several questions like did I share my password or have it written down to which I said no not at all. Than she asked me if my phone had got lost or stolen, to which I explained that I had two phones and that as a matter of fact, one had come up missing two days before on XX/XX/XXXX during a move. I went online to find my phone and locked and erased the phone or so I thought. that phone number was XXXX XXXX, My main phone number is XXXX XXXX XXXX and that is the one I use primarily. She told me that she would file the necessary paper work and that I should write a letter of dispute and fax it to her, so that they could credit my account, which I did. My account wasn't credited and Than I received a letter say that they found no error and weren't going to give me my money back. I was the victim of a cyber theft, and they know were that money went it is traceable, so how can they just tell me they aren't going to do anything about this criminal activity. I want this XXXX to pay for stealing my money and I want my money back. You can see in my history no other transaction of this type, you can see where they charged me for a new card and shipping, and were I have used XXXX and XXXX XXXX to send money, cause that is the only way I knew how.
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| 02/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 07/12/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
1. AD ASTRA RECOVERY SERVICE Account Number : XXXX Please remove it from my credit report.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
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| 06/18/2018 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to turn you in to immigration or deport you
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Web |
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This company keeps informing me that I have a loan with them when they have not been able to verify that I do. They have not attempted to speak with me in reference to any of these loans. They are calling themselves by two different company names. I am so abused and exploited right now. Please help me I have XXXX and XXXX XXXX and I am loosing sleep because of this.
XXXX CREDITOR : SPEEDY CASH ( XXXX ) CASE NO : XXXX Attention AMOUNT OUTSTANDING : {$840.00} This Proceeding issued on you Docket No : - XXXX with one of XXXX XXXX. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of THE XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you.
We have sent you this warning notification about legal proceedings on XX/XX/2015 but you failed to respond on time now its high time if you failed to respond in next 12 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated.
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the law suit will be the next step which will be amounting to {$3400.00} and will be totally levied upon you and that would be excluding your attorney charges.
Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step.
This is your last and final chance to settle this case if you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences.
By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.
IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO SETTLEMENT DEPARTMENT : - XXXX Sincerely, XXXX XXXX Accounting Department Speedy Cash ( XXXX ) Washington DC
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| 07/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
1. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX XXXX Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
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| 08/21/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Threatened to contact someone or share information improperly
- Contacted your employer
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|
Web |
Servicemember |
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From : XXXX XXXX XXXX Date : XX/XX/2019 at XXXX XXXX XXXX To : " XXXX '' XXXX Subject : DOCKET NUMBER XXXX No mention of my name or account or my actual email address. Below is the complete message.
Message : CREDITOR : SPEEDY CAXXXX XXXXE Total Due Balance : {$760.00} ATTENTION : This Legal Proceedings issued on your Docket Number XXXX with one of SPEEDY CASH SERVICE. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of SPEEDY CASH SERVICE has decided to mark this case as a flat refusal and press legal charges against you.
We want to resolve this matter as quickly as possible and avoid further action, so we are proposing the following settlement offer : We have sent you this warning notification about legal proceedings but you failed to respond on time now its high time if you failed to respond in next 24 HOURS we will register this case in court. Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished.
Do revert back if you want to get rid of these legal consequences and make a payment today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.
You can Email back to get the payment mode too.
Upon receipt and clearance of your payments as agreed, we will notify our client to update its records accordingly regarding this settlement.
WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT.
TERMS & CONDITIONS YOU AGREED.
By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.
IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO ATTORNEY : XXXX : XXXX Sincerely, XXXX XXXX
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| 01/12/2018 |
Yes |
- Debt collection
- I do not know
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- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
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Theres a company that conrinues to call my work telling my boss details about me going to court..the last time i was contacted by them i did believe i seriously owed this debt because they kept calling my number threatming to call mt boss if i dident pay..i told them if i owe why do you have to call my boss just send me paperwork and they said we have to let them know who they hired someone who doesnt pay so out of embarrassement i gave them my debit bamk information and they took XXXX from me and XXXX after that i had to borrow the XXXX cus i dident have it right away..well in XX/XX/XXXX i was calling them to change the date of the XX/XX/XXXX payment because of XX/XX/XXXX and for 4 days straight all throughout the days i called.they never answered..so i called my bank to ask if they knew if this company that was withdrawning payments was ligit. If they were really collection company..they asked me for the number and so when they called it they never answered them either and they opened up a investigation that it was fraud..i then looked up the company 's name that was on my bank statement like when they took the money and there were so many complaints of people that they were withdrawing money from those people almost like my incidents. My bank told me to go immediately to the branch to close my account and that they would issue me a new account because it was fraud..so i did. Well during the time when the payment was to post from them out of my acct. My bank was already closed and they called me once that week but never left a message and the week after as well again no message. Well we are now in XX/XX/XXXX week and they called my work They told my boss that he needed to take the call seriously because i owed a debt and i was going to court. My boss told the person calling that this was a business and that any correspondence needs to be sent to human resources in XXXX and not to him or to the business.if i really owe this debt should n't they send me something in writing what debt i owe and the actual name of the collection dept with their phone number? Do they have the right to call my boss to give details of a dept i owe..i want the details in writing and my bank told me no to give my debit card to a collection unless i have something in front of me in writing..please help me I need them to stop calling my boss.
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| 10/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Money was taken from your bank account on the wrong day or for the wrong amount
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Web |
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On XX/XX/2020, I applied online for a short term loan with Speedy Cash ( in the amount of {$750.00} ).
The online application offered me two options how to repay the loan - ( 1 ) Monthly or, ( 2 ) Bi-weekly. I selected monthly. It was my understanding that I was giving Speedy Cash authorization to withdraw One ( 1 ) monthly payment in the amount of {$210.00}. Speedy Cash online application gave the impression that there would be only One ( 1 ) withdrawal on the XXXX of each month.
The first monthly withdrawal occurred on XX/XX/2020 in the amount of {$210.00}.
On XX/XX/2020, Speedy Cash was not authorized, by me, to withdraw {$210.00} from my account.
On XX/XX/2020, I contacted Speedy Cash numerous times to inquire why they prematurely withdrew funds from my account without my consent. In my phone conversation with Speedy Cash personnel ( XXXX, XXXX and several others ) I learned there was discrepancies and issues that I never approved. I requested clarification, but their response was uncooperative and vague. They gave me " the run-around '' and would not be forthcoming as I demanded information and answers. Further, I specifically requested Speedy Cash to email or furnish my online application of XX/XX/2020, to compare and verify that Speedy cash was in error.
I would like to point out that Speedy Cash 's online application disclosure ( s ) were vague, misleading, broad and misrepresents a " Truth and Lending '' provision.
For example, I sought to remedy and resolve the matter with Speedy Cash respectfully asking for a correction of the problem. To resolve the matter, I asked to be reimbursed my {$210.00}, since I did not authorize the premature withdrawal. I offered a solution to resolve my dispute, i.e., to withdraw One ( 1 ) monthly payment from my account on the XXXX of each month. Also, I gave authorization to Speedy Cash to make payment withdrawals once per month on the XXXX. Speedy Cash stated that I could not change the error, and therefore, I will be binded to two withdrawals each month - which I did not authorize.
Finally, I am asking CFPB to conduct an inquiry into the business practices of Speedy Cash to ascertain whether they have violated Regulation Z and the Truth and Lending Act, which protect consumers under 12 CFR 1026.
Please keep me informed to the status of this complaint.
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| 05/14/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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I currently have an installment loan in the amount of {$2600.00} from Speedy Cash which I took out in XXXX of 2014. At the same time, I also have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood, including Speedy Cash. So basically, I have both a {$300.00} payday loan from Speedy Cash and a {$2600.00} installment loan. Is that legal?
I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive for me, and I do n't know what to do. I already filed XXXX other complaints about my payday loan situation, XXXX for each of the different lenders.
I 've been paying about {$140.00} every two weeks on the Speedy Cash installment loan, and I 've already paid {$2200.00} between XXXX of last year and XXXX of this year. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? Are all my payments going toward interest only?
I ca n't keep paying on all these loans. I need to prioritize my rent ( {$1100.00} ), car payment ( {$320.00} ), insurance ( {$180.00} ) and my other basic needs like food and utilities. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm struggling to figure out a way to get out of this deep financial hole that I 'm in. I do n't want to default on the loan, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies.
To make matters worse, I 'm also facing being laid off from work in the next few months.
I need help. I do not have the ability to keep paying on this loan and the other payday loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. I 'm wondering if it was legal for Speedy Cash to give me a payday loan and a {$2600.00} installment loan at the same time? Also, someone told me that in California, there are no interest rate caps on loans above {$2500.00}, and that might be a reason why I got a loan for {$2600.00}. Intially, I did n't want that much money. I only wanted to borrow {$1000.00}, but they ended up lending me way more. Now I 'm having trouble paying it back and my principal is n't decreasing with my payments.
|
| 05/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This account that I am reporting was originally a short term payday loan I am a Washington State resident I went to Oregon state got a pay day loan for {$350.00} And some unexpected things happened and it wasn't paid then this account was added to my credit report which the original contract at that time did not state anything about Credit reporting the original company is called speedy cash then just recently it was sold off to a company called XXXX XXXX XXXX XXXX This company never ever notified me of anything that they had purchased the account they never sent anything in the mail stating that they were going to add this account to my credit report there was no communications I had contacted speedy cash collections department and asked them what happened and they referred me to the 3rd party company that has obtain the Debt And because of this tough time with covid19 Money is tight I had used Part of my stimulus money to pay this in full.. On XX/XX/XXXX it was paid in full Originally when I had contacted speedy cash I had a verbal conversation and I told them if I was able to pay this account in full would they be able to contact the 3rd party debt collector and tell them to remove this off my credit report and they said yes but they said I have to contact XXXX XXXX XXXX They referred me gave me the number I spoke to to people that day the 2nd person I had set up the payment it was processed and they have no other reason to report this on my credit report I have submitted multiple disputes and nothing has changed I have provided documentation to the credit bureaus supporting all the information is true that I gave from me contacting the original debt collector which was speedy cash then they referred me to the other company to pay it and they are refusing to take it off and this is a big problem specially in This time of need because I have other bills that I need help with and this sitting on my credit report is really badd when it was added to my credit report my score went down Big time All I'm trying to do is get this removed and move on with my life because I did not receive any notifications from this company no phone calls no emails no nothing up until I contacted them pay them in full So if we can get this fixed that would be nice
|
| 05/30/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Received first correspondence from XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/2019. Letter had 3 different addresses.
1. Return address was XXXX. XXXX XXXX XXXX. XXXX, XXXX, AL XXXX 2. Address in right upper corner of letter was XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX, telephone XXXX, fax XXXX 3. Address on payment coupon was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, KS XXXX It was not specified which address to send to for debt validation. Sent debt validation certified letter to second address on XX/XX/2019. So far has not been received.
Received second correspondence from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/2019 stated they had previously sent me a letter and that this communication did not affect my FDCPA rights. This letter had 2 different addresses. Again sent a certified letter to the XXXX XXXX address requesting debt validation on XX/XX/2019. So far has not been received.
On XX/XX/2019 called and asked what address to send for debt validation and was told to send to the second address, XXXX XXXX XXXX XXXX XXXX, etc. I could barely hear the person I was speaking to because of loud background noise. From what I understood the XXXX XXXX address is the office for the agents and the XXXX XXXX XXXX address is for payments and correspondence. Again letters are deceptive in this regard in an attempt to deny the consumer 's right to dispute the debt by asking for validation.
No where on either of these letters does it specify which address to send correspondence. I feel that this is misleading and confusing and is an attempt to thwart attempts for the consumer to ask for debt validation. It gives the typical FDCPA statement saying one may dispute the debt by writing the office within 30 days. Again with the 2 different addresses it does not specify which office. Also the first letter was dated XX/XX/2019. I received it later than that. Therefore I had at least until XX/XX/2019 to send my dispute letter. By XX/XX/2019 they are already sending second correspondence without giving me my 30 days to send a dispute letter. The second correspondence had no such FDCPA statement.
Now I have to spend money on a third certified letter to the supposed correct address for debt validation letters.
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| 10/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Was approved for a loan, but didn't receive money
|
|
Web |
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On XX/XX/2019 I requested a loan from SpeedyCash Rapid Cash, LLC in the amount of {$680.00}.
There was either the option to either pick up payment in store or the funds would be debited to the card that was on file, since I didnt make it to the store by the time given I called the ( XXXX ) number attached on the email to confirm the funds being transferred into my account, in which the rep did relay I will see the payment via direct deposit by the next morning.
XX/XX/2019 I wake up at XXXX check my account and to my surprise I didnt see a deposit transaction, I thought that it maybe to early and took the representatives word I had spoken to the day before to heart and went about my business.
At XXXX that same day I checked my account and still no payment, I called the number provided and spoke with a rep and I was told to wait three days before calling back in because in order for the funds to bounce back ( from wherever they were since payment wasnt recieved by me ) and then I could request the payment again.
In all I have been going back and fourth with this company providing any proof I can to verify I didnt receive payment for a loan I am to this day being held accountable for.
I have e-mails on my end making numerous attempts to verify any information and at the end of the day for the company to tell me Im responsible for the loan ( even though I didnt receive payment ) because they cant trace where the payment went so their acting as if I did receive funds.
To me, its absurd that this company is perfectly fine with putting someone in a further financial strain and to be okay with {$680.00} dollars just disappearing ... Nobody knows where it went but I have to pay for it..
On the banking end, I online bank with XXXX. Ive also contacted this company in order to figure out where the funds went because when a ACH is initiated the my name and social security number is encrypted in order to verify the correct personal has received payment.
I have gotten NO WHERE with this company regarding the matter and none of the representatives speak English well enough nor located within the states to understand the currency platform.
Im incredibly frustrated and really just want this resolved in a fair manner.
|
| 02/04/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received an collection email on XX/XX/XXXX, supposedly on behalf of Speedy Cash. I called Speedy Cash and confirmed that this is not a legitimate debt or correspondence from their company. I am including the information in the email below : " CREDITOR : SPEEDY CASH ( ADV.AMERICA ) CASE NO : XXXX Attention, AMOUNT OUTSTANDING : {$970.00} This Proceeding issued on you Docket No : XXXX with one of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you.
We have sent you this warning notification about legal proceedings on XX/XX/XXXX but you failed to respond on time now its high time if you failed to respond in the next 12 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated.
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges.
Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep.
This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences.
By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.
IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : XXXX : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, XXXX "
|
| 07/22/2017 |
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
|
|
Web |
|
|
On XXXX XXXX, 2017, I visited XXXX XXXX, d/b/a Speedy Cash at XXXX XXXX XXXX XXXX, XXXX, AL XXXX to apply for a loan. After being given information about the entire application process, I was told that part of the application would consist of a " soft pull '' of credit information. I inquired about this again, with the staff, to be sure that when they stated " soft pull '' that it would be just that. I was under the impression that they would use XXXX or some other source that is common throughout the payday loan industry. I was ultimately denied for the loan, which is okay, because I was able to receive help with my financing needs elsewhere. Between the time of this complaint and my application being submitted with them, I reviewed my credit report and was made aware of a " hard pull '' on my XXXX credit report from XXXX XXXX dated for the same date that I applied in person at Speedy Cash. The employees at this location assured me on more than one occasion that it would not be a credit pull that would result in an inquiry on any of the 3 major credit reporting agencies. The staff, in my opinion, did not make the proper TILA disclosures that led me to apply for a loan, that if I was given accurate information, I would have gone straight to the loan company that I ultimately received my loan from. I knew that with this other loan company, a hard inquiry would be necessary and that my loan would be reported to the credit bureaus. I chose to apply with Speedy Cash due to their proximity to my work location and from having an acquaintanceship with one of their employees ( not the employee that assisted me with my application process ). I feel that I was coerced into applying for a loan that I would not have continued the application process if the staff at this location had followed the requirements of the Truth in Lending Act. Their deceitful presentation of their application process and what it all consists of, may lead more people to inadvertently apply for a loan with the understanding that an inquiry would not be placed on their credit report. I certainly would not have finished the application process if the staff did not lie about the fact that I would end up with a hard inquiry on my credit report.
|
| 12/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THE COMPANY, AD ASTRA RECOVERY SERVICES INC, PURCHASED A BAD DEBT FROM ANOTHER COMPANY THAT REPORTED THE DEBT AS A " CHARGE-OFF ''. THIS MEANS THE ORIGINAL COMPANY THAT AD ASTRA RECOVERY SERVICES INC PURCHASED THIS BAD DEBT FROM, WROTE IT OFF AS A LOSS ON THEIR TAXES. WHEN AD ASTRA RECOVERY SERVICES INC PURCHASED THE BAD DEBT, THEY MADE AN INVESTMENT ROOTED IN FRAUD BECAUSE I WAS NOT MADE AWARE THAT MY PERSONAL INFORMATION WAS BEING SOLD OR SHARED. I HAD NO INVOLVEMENT WHAT SO EVER IN SAID TRANSACTION. THIS IS AGGREVATED IDENTITY THEFT ACCORDING TO 18 USC 1028A.
According to 15 USC 3002, I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. Pursuant to 15 USC 1692 ( a ) 1 the term " Bureau '' is defined as the Consumer Financial Protection Bureau ; therefore XXXX, XXXX, and XXXX are assuming this role. They are only credit reporting agencies that assumed the role of collecting, selling, and sharing information without my written consent.
On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. Which mentions the following " ... ..every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts, is unconstitutional. '' AD ASTRA RECOVERY SERVICES INC is in direct violation of 15 USC 1692e which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Debt is defined as any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment according to 15 USC 1692a ( 5 ).
According to 15 USC 1692k will be held civilly liable for violation of my consumer rights, I am seeking compensation for damages or litigation will be pursued. I also have proof from a prior complaint with AD ASTRA RECOVERY SERVICES INC of them admitting to committing fraud and aggravated identity theft.
|
| 07/01/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I took a loan with Speedy Cash in XXXX or XXXX XXXX it was my third loan, as I am lower income and needed cash. I couldn't pay it back in full after other financial hardships, and stopped them from taking the excessive payments from my bank account by closing my account. The two previous loans I had paid in excess of 300 % interest on {$300.00} loan. This last loan I believe was {$350.00} or {$500.00}, but I no longer have access to their login to see my account.
In XX/XX/XXXX, they sent me a summons from my county courthouse. I responded timely, but asked them to provide me proof of the loan and the balance due. They were asking for over {$1800.00}. Per the Fair Debt Credit Protection Act, they had thirty days to provide me proof of the loan debt and the balance owed. They did not.
on XX/XX/XXXX, I get an email from XXXX ( no last name was given ) at XXXX, stating I was to appear in court via phone ( due to Covid-19 I assume ) and a copy of the summons was attached, showing I had a phone court date for XX/XX/XXXX. No time given, and still no requested documentation was given to me.
Today, I emailed this XXXX to inquire on the time of the court appearance. I received a response, with a totally different Notice of Hearing form I had never before seen or was given to me,. with the same XX/XX/XXXX date, and a XXXX hearing ( conveniently this Notice of hearing now had a time listed, as the previous one did not ). I now have to take a day off work to deal with this, and i still have not received the documentation I asked for, as provide by law ( FDCPA ), and I am not about to give thousands of dollars to this predatory payday loan company. I am considering taking legal action in the form of a class-action lawsuit, which by an online search, they have had several against them.
I feel that after paying off two prior loans with them at astronomical, predatory interest rates, and falling victim to hard times shortly after this loan was taken, i should not have to pay back anything more than the original loan amount plus the annual normal interest rate of 18 %.
I also have further documentation at home from the XX/XX/XXXX summons and my response to them, if I can send that to you as well.
|
| 06/22/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
A man by XXXX XXXX emailed me form this e-mail ( XXXX ) Dear Customer, This is the last and final notification as we are going to proceed with the legal charges against you and you will be soon served with the court papers. If you really want to avoid the situation, we merely require you to contact us back to resolve the matter.
Just in case we do not hear back from you within 48 hours, we will proceed further with the charges and we have the entire right to inform your employer about the situation, garnish your wages and freeze all your bank accounts.
For any queries feel free to revert back.
Manager Legal Department Collection Department Speedy Cash This is the initial email. I then replied that I have no such debt for I have not gotten a loan from the above company " Speedy Cash. '' And they continued to respond with a claim of a payday loan I never got or recieved.
Dear Customer, We are representing Speedy Cash A Parental payday Loan company which owns and operates more than 350 online cash websites.
Loan Amount : {$400.00} Total Outstanding Balance ( Due Amount ) : {$1500.00} ( Including Late Fee, Penalty, Affidavit Charges and Rate of Interest Charges. ) One Time Settlement Offer : 1 : {$500.00} ( if paid Today ).
2 : {$800.00} ( If Paid Within This Week ) 3 : {$200.00} ( Biweekly Starting by today ) Consequences ( Further Legal Steps ) : 1 : Lawsuit Filed Under Several Sections.
2 : Your Employer Will Be Informed.
3 : Credit Bureaus Will Be Notified So That It Could Be Reported To Your Credit.
4 : References Will Be Informed.
5 : A Day in Court.
6 : Garnishment of Your Paycheck.
Mode of Payment ( If Settling Out Of Court Using One Time Settlement Offer ) : 1. XXXX XXXX XXXX XXXX Debit Card.
Let us know whether you opt for one time settlement or payment arrangement for the whole amount so that the account can be updated.
Since this loan account is very past due so we would appreciate it if you give this matter your earliest attention as this account has to be updated on an urgent basis to avoid legal action.
For any queries or concerns, you can contact us.
Regards.
Manager.
Speedy Cash.
I then repeated that I have no loan of they type.
|
| 03/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX, XXXX and XXXX The collection Agency AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not received any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. The company has also violated these laws.
- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.
- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days.
There is over {$10000.00} listed in violations of the FDCPA and if this issue is not resolved i will pursue litigation with this company I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$10000.00} for violations of the FDCPA.
|
| 04/06/2017 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
XXXX service is on my credit report. I did a request for verification of a Speedy Cash loan that was taken out without my consent. I have attached a loan that was attempted on my Daugther 's SSN also. During the XXXX I did attempt to start business funding. My information was given to third parties.
I did have phone contact with XXXX. I did state I had a POA. The phone call was aggressive and not consumer friendly. If I say one thing a phone call should end. The probing and questions. I do have a POA in place due to my information was given out. I have had fraud on my bank accounts and have been through harassing or " scam '' calls since this started since XX/XX/XXXX.
I did receive an email from Speedy Cash for an email for a XXXX loan approval rating. I never received a phone call to verify any information. I used my email address. I do n't see the -signature. Also, I went back to research Speedy Cash. I I do have an illegal credit check on XXXX Report from XXXX. I never authorised this credit check with XXXX.
I have read many complaints about XXXX and XXXX. I ca n't find they are invested with each other. XXXX and XXXX do not help the debt consumer but keep them in debt by getting more loans or using the credit check to initiate on credit reports to force payments. I have read numerous accounts of they will take negative reports if paid today.
A collection was placed on my account last week. A man name XXXX ( the wrong name is given in the previous complaint ) XXXX XXXX called my home. He did give out XXXX was going to my home to serve me. Who will be my lawyer in XXXX TX.
I drew up a legal notice to XXXX. I told them in the letter that I will advise my attorney. XXXX is my attorney. In that letter, I never released his address, phone number, TX law license number. I never stated to cease to talk to me. Talk to my lawyer. XXXX had no permission to contact or send any packages to my lawyer.
My attorney called me XX/XX/XXXX and told me that XXXX did get in contact with him to verify him as my lawyer. XXXX had to find a XXXX ( my attorney ) to probe without my consent. That is violating my privacy and my attorney 's client relationship.
|
| 07/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I FILED CHAPTER XXXX XX/XX/2018 AND CREDITOR CONTINUES HARRASSIG CALLS MISLEADING EMAILS AND LETTERS SUCH AS THE EMAIL SENT BELOW ON XX/XX/2018 Attention : Debtor, Creditor : Speedy Cash Services Case No : XXXX- XXXX Outstanding Amount : {$1300.00} This Legal Proceeding issued on your Docket No : XXXX- XXXX XXXX XXXX of Speedy Cash in order to notify you that after contacting to you on your email we were not able to get hold of you so the accounts department of SPEEDY CASH has decided to mark this case as a flat refusal and press legal charges against you.
We have sent you this warning notification about legal proceedings on XXXX, 2018 but you failed to respond on time now its high time if you failed to respond in next 36 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated.
You will be sue into the courthouse, where you have to pay {$4700.00}, which is including your bail charges, attorney charges, and court fees. Your employer will be contacted and they will be served with this legal notice. Your all bank accounts will be ceased.
This is your last and final chance to settle this case if you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences.
Do revert back if you want to get rid of these legal consequences and make a payment today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.
NOTE : -IF YOU WANT TO RESOLVE THIS ISSUE OUTSIDE OF COURT THEN CONTACT OUR SETTLEMENT DEPARTMENT ASAP WITH YOUR CLEAR INTENTION OF REPAYING ALL OUTSTANDING AMOUNT TO : XXXX Sincerely, Settlement Department, XXXX XXXX ( Head-Debt Collection Officer )
|
| 04/12/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
AD ASTRA RECOVERY SERVICES , INC Registered agent : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX To : The XXXX XXXX XXXX XXXX for AD ASTRA RECOVERY SERVICES, INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of XXXX XXXX XXXX My credit report shows a collection from AD ASTRA RECOVERY SERVICES , INC . I was never notified of this collection. I also do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for.
XXXX ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
XXXX ) Documentation that shows I agreed to pay this debt with my signature.
XXXX ) The agreement that grants you authority to collect on this alleged debt.
XXXX ) A copy of your state license, including license number that gives you rights to collect in my state.
You will forthwith return and transmit your written evidences of your delegated authority to " represent '' that you and the original creditor are authorized to administrate on me XXXX XXXX XXXX, together with certified copies of a signatured contract between XXXX XXXX XXXX and me, XXXX XXXX XXXX, you and XXXX XXXX XXXX, bonds, original creditor charge off documents, sureties, indemnification, insurance and any XXXX XXXX XXXX Collector Association Agreement passing me, XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon me, XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Please know that reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA violations such as : section XXXX. Harassment and abuse section XXXX. False or misleading representations section XXXX. Unfair practices
|
| 07/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
This has been over 10 years and these people keep contacting me. I have reported then year after year to the FTC, each time a different individual sends me these threatening email. Please see below : CREDITOR : SPEEDY CASH ( XXXX ) CASE NO : XXXX Attention, AMOUNT OUTSTANDING : {$870.00} This Proceeding issued on you Docket No : XXXX with one of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you.
We have sent you this warning notification about legal proceedings on XX/XX/2020 but you failed to respond on time. Now its high time if you fail to respond in the next 12 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages are confiscated.
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges.
Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep.
This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and you will be the only person responsible for the legal consequences.
By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.
IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : - XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, XXXX
|
| 06/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
SCIL , Inc CORPORATION SERVICE COMPANY XXXX XXXX XXXX XXXX. XXXX, KS XXXX XXXX To : The XXXX XXXX XXXX XXXX forSCIL, Inc From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority torepresentthat you andSCIL, Inc.areauthorized to administrate ( acting trustee ) on theXXXX XXXX XXXX, together with a certified copies of signatures contract betweenyou andXXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passingXXXX XXXXXXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon theXXXX XXXX XXXX, Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806.Harassment and abuse 807.False or misleading representations 808.Unfair practices 809.Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages.Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!
I swear under penalty of perjury that all of the above mentioned information is true and accurate.
By : XXXX XXXX XXXX
|
| 02/01/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I called XXXX XXXX XXXX XXXX to negotiate a pay for delete for my balance that was owed to them. The associate on the phone agreed verbally to send me a letter of proof for the pay for delete. This phone call was recorded. all of my phone calls to this collection agency was reported. I called multiple times. They confirmed they would do this. When I got the letter it was NOT a pay for delete letter releasing me from the debt owed. It was a letter showing my account balance was at {$0.00}. So I then disputed this with the credit bureau. Not only did they offer a pay for delete letter in return for me to pay the account balance owed. They told me they would delete the owed balance off of my credit report with in 30 days. I called them today XX/XX/XXXX. More than 30 days later and a supervisor informed me that there is no such thing as a pay for delete letter with in their company. And told me that I had to DELETE MY DISPUTE with the credit bureaus in order for them to work with me. And from the day that I delete my dispute. They will then take an additional 30 days in order for them to recognize this account paid in full and delete this off of my credit report. This sounds very odd and unprofessional. And at no time did any one mention that I was not allowed to dispute things on my credit report. Usually when an account is paid in full and the company agrees to send a letter for pay for delete. They fulfill that obligation. And if it so happens that the account is disputed. The process is simple. They answer to the dispute. The supervisor told me on the phone that once I cancel my dispute that they will THEN follow through and update my account with the credit bureaus after 30 days.
I have attached the letter that the company fraudulently sent me instead of the pay for delete letter as agreed upon in return for paying the balance owed in full. I also dont believe its appropriate to punish some one for disputing something on their credit report and making them cancel their dispute in order to recognize the debt paid in full and delete the account on a credit report. This deeply affects and individuals credit and quality of life.
|
| 07/07/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I Received An E-Mail From XXXX XXXX ( Posing As One Of The Attorneys ) And Repres enting Speedy Cash On XX/XX/XXXX Stating The Following Information Below!!
CREDITOR : Speedy Cash XXXX XXXX. XXXX XXXX Case No : XXXX Attention, AMOUNT OUTSTANDING : {$970.00} This Proceeding issued on you Docket No : XXXX with one of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you.
We have sent you this warning notification about legal proceeding on XX/XX/XXXX but you failed to respond on time now it's high time if you failed to respond in the next 12 HOURS we will register this case in court, Consider this as a final warning and will be E-Mailing/Fax this issue to your current employer to make they take strict actions against you. Your salary and all your wages confiscated.
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to imform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges.
Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local country sheriff department and you will be served by court summons at your doorstep.
This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences.
By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.
IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : -mailto : XXXX.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX
|
| 08/13/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
On Friday, XXXX XXXX, 2016, there was an un-authorized transaction in the amount of {$1100.00} from Speedy Cash. I never authorized Speedy Cash to use my card ending XXXX to pay for this loan.
In the past I had a loan with speedy cash that was paid for in full, and one of the payments made on that loan was made by my card ending in XXXX. NEVER did I sign anything from Speedy Cash authorizing them to use this card for future payments, nor do they give you a warning saying this card will be and/or can be used for future payments.
I took out a XXXX loan from Speedy Cash around XX/XX/XXXX or XX/XX/2016, NOT once did I provide them or authorize them to use my card ending in XXXX. I provided them with a different card number. I then let Speedy Cash know that I have retained an attorney and I am in the process of filing a Chapter XXXX bankruptcy. They refused to stop taking money from my acct because a bankruptcy case has not been filed, and this forced me to close my bank account with another financial institution because of their predatory practices.
I contacted Speedy Cash and spoke with XXXX in the Bankruptcy Dept of Speedy Cash and she refused to reverse the transaction saying I authorized them to use this card. I attempted to explain that I DID NOT authorize them to use this card of this loan, and she told me because I used this card once on their website it authorizes them to use this card for payment. I told them NO where did I sign anything saying they can keep that card on file, it was a one time payment with this card. She did not care and kept repeating that I authorized them to use this card.
This company preys on people and uses deceptive practices to take money from authorized accounts, they have been informed and have been provided my attorney 's information which obviously they could care less. The money they took belonged to my husband and was from HIS paycheck and not mine. This was money to pay for our rent, children 's school supplies, clothes and groceries until the next payday.
I am respectfully requesting that this transaction be reversed and funds be deposited back into my account immediately.
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| 04/12/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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AD ASTRA RECOVERY SERVICES , INC Registered agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX To : The XXXX XXXX XXXX XXXX for AD ASTRA RECOVERY SERVICES, INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of XXXX XXXX XXXX My credit report shows a collection from AD ASTRA RECOVERY SERVICES , INC. I was never notified of this collection. I also do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.
2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
3 ) Documentation that shows I agreed to pay this debt with my signature.
4 ) The agreement that grants you authority to collect on this alleged debt.
5 ) A copy of your state license, including license number that gives you rights to collect in my state.
You will forthwith return and transmit your written evidences of your delegated authority to " represent '' that you and the original creditor are authorized to administrate on me XXXX XXXX XXXX, together with certified copies of a signatured contract between XXXX XXXX XXXX and me, XXXX XXXX XXXX, you and XXXX XXXX XXXX, bonds, original creditor charge off documents, sureties, indemnification, insurance and any XXXX XXXX XXXX Collector Association Agreement passing me, XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon me, XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Please know that reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA violations such as : section 806. Harassment and abuse section 807. False or misleading representations section 808. Unfair practices
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| 06/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
Older American |
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Received an email saying I owe Speedy Cash {$1100.00}. Email shows from XXXX XXXX but email address seems bogus. Here is text of email : image Date : XXXX XXXX Creditor : XXXX XXXX XXXX.
Current Balance : - {$1100.00} Settlement Amount : - {$950.00} Subject : Unpaid loan This Proceeding issued on you Docket No : - # XXXX with one of XXXX XXXX XXXX. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of Speedy Cash Loan has decided to mark this case as a flat refusal and press legal charges against you. Speedy Cash Advance is a state licensed lender, which means we abide by all laws set forth by each state. Speedy Cash Advance is a state licensed lender, which means we abide by all laws set forth by each state.
We have sent you this warning notification about legal proceedings on XX/XX/XXXX but you failed to respond on time now its high time if you failed to respond in next 48 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated.
Let us know what your intention is by today itself so, we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step.
Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you.
We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action.
Customer Notice : Speedy Cash Advance should be used for short-term financial needs only, not as long-term financial solutions. Customers with credit difficulties should seek credit counseling.
Note : To make the payment or settlement you would have to contact at : XXXX ( Legal Department ) Speedy Cash Advance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I do not owe these scammers!
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| 05/19/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I sent the communication to this company as follows : XXXX XXXXXXXX XXXX P.O Box XXXX XXXX XXXX XXXX.
XXXX, KS XXXX To whom it may concern : The following account/alleged debts are reported to my consumer report, I, the consumer did NOT give XXXX any written instruction to do at the request of XXXX XXXX XXXX This action is an infringement on my right to privacy, and each a violation of the Fair Credit Reporting Act. I have also included the law for the mentioned account showing I was the original creditor and no debt was/is owed to the alleged debt collector.
Under 15 U.S.C. 1681b Permissible Purpose of Consumer Reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S.C. 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and Fairness of Credit Reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for a consumers right to privacy.
Under 15 U.S.C 1691a Definitions ; Rules of Construction ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor.
( e ) The Term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit.
As previously stated, I gave no consent to report this account or its balances to my consumer report, and no consent on my behalf is identity theft. A copy of these laws are included with this dispute letter. I am demanding a deletion of the account reported opened on XX/XX/2020. I have never done business with this company.
I will include the official letter sent.
|
| 09/11/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
I took out an installment loan with Rapid cash. I had problems paying back the installment loan and immediately called Rapid Cash to inform them and make lower payment arrangements. Rapid Cash allowed me to make bi weekly payments in the amount of {$50.00} and I paid the loan and interest from {$2500.00} down to {$1600.00}. Each time I went to a rapid Cash store I was told repeatedly I could make the payments over the phone or internet instead of coming in the stores bi-weekly. On XXXX XXXX, XXXX I took the advice of employees at Rapid Cash and went to the Rapid Cash website and entered my husbands visa check card to make the usual {$50.00} payment. The website did n't allow me to enter a payment amount, did n't show me a balance due, it requested the card number only. At this point I called Rapid Cash to ask for help with the website but they said the account was paid in full. Around this same time my husband called to say the checking so accounty was emptied. I alone with an employee from our credit union XXXX XXXX called Rapid Cash and asked them to reverse the {$1600.00} charge. They refused and told me the only thing I could do was return to rapid cash and take out another loan. With no other way to prevent my mortgage payment from a NSF and no way to feed my family for two more weeks I took the advice from the Rapid Cash employee. I asked them to waive any interest because they unlawfully removed monies from our account and they refused. I now re owe rapid cash {$2500.00} from the {$1500.00} loan I was forced to take out. I make a few payments for {$100.00} and now payments of {$50.00} bi weekly again but all the my payments for over 1 year has gone to interest, none to principal. I will pay them until XX/XX/XXXX for the installment loan. I have copies of the installment loan, bank information, receipts, phone numbers employees wrote on receipts suggesting I call in payments, and letters of attempting to resolve this matter with Rapid Cash. My letters and request have been ignored. Any help will be appreciated because I feel things are n't completely legal with the circumstances. Thank you
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| 07/21/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
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|
Web |
Servicemember |
|
I took out an installmemt loan with original credit limit of {$1400.00}. But because I reborrowed, the total amount owed is {$1600.00}. Speedy cash/ XXXX XXXX continued to tack on interest and fees for weeks and days.in spite of my efforts in calling requesting managemnt to give me a call etc. and recieving calls trying to get balance resolved upon time of default, I never ignored their calls always explained my situation to them time and time again. They seem to be very heartless and cuthroat as a financial company, its terrible and sad. I have been in contact with dozens of reps requesting payment agreement before it became outstanding with fees totaling {$2100.00}. I have had a medical hardship which caused a financial hardship for which I explained to what it seemed like a million reps before the interest fees became ridoculous. Speedy cash has recieved before default {$700.00} and some odd dollars already. I dont dispute that I owe the money that I owe I only dispute the amount that they are wanting due to interest and fees. Totaled borrowed was XXXX. I have already paid 700 plus dollars. I called asking once again for a manger to call to get this worled out reasonably and I am asking that they waived the extra {$500.00} in fees and interest and modify the existing payment agrrement of 10 pmts of XXXX to pay out amount of XXXX instead Of {$2100.00} dollars because in The end as it currently stand, they would have collected from this loan a total of over 3000 dollars from an original credit limit amount of XXXX which is double what i originnally borrowed. I asked for a manager to give me a call about getting this payment agreement amount modified from {$2100.00} to {$1600.00}, and waiving the extra fees which would be less than 10 total pmts of XXXX a month..Being again, they have already recieved XXXX plus in payments. I need a manager to have a heart and straightened this amount out to be paid out total to be reasonable, which would be XXXX. And take into account the XXXX dollars that has already been faithfully paid. Iweekly upon illness whoch resulted in default.Thank you
|
| 01/07/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I sent a professional letter on XX/XX/XXXX.The only response I've received from them was a sample letter, including the loan application and bill for payment. I've also called three times and left messages with no response. The only time I did talk to someone, they were extremely rude and still would not answer any of my questions. However, they are still negatively report on my report. Below is a copy of my letter : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX ORIGINAL CREDITOR : SPEEDY CASH To Whom It My Concern : I am writing today concerning derogatory reports on my credit report. According to my credit report ; one account in is the amount of {$2500.00}, and was opened on XX/XX/XXXX. The other is in the amount of {$980.00} and was opened on XX/XX/XXXX. The latter was five years ago! I am concerned with these reports for several reasons. First, there should be only one account for Speedy Cash, opened in XX/XX/XXXX. Why are there two accounts, four years apart? Second, the one account should have been written off as part of my bankruptcy back in XX/XX/XXXX. Therefore, there should be NO account from Speedy Cash still on my credit report. Furthermore, when the other account was opened in XX/XX/XXXX, why was I never contacted? My phone number has not changed and my address has been forwarded. I could have cleared up this mater a year ago! These derogatory reports are preventing me from obtaining a first home owners loan, even though my credit score and other accounts are in good standing. I would like both these Speedy Cash accounts to be removed from my report immediately! If you refuse to do so, I will be happy to inform present and future clients just how Speedy Cash and XXXX XXXX XXXX XXXX regard their clients. Apparently, customer service is not important to you. If I need to file a report with the XXXX XXXX XXXX also, I will do so. Thank you for your time. I am looking forward to your response before XX/XX/XXXX.
Sincerely, XXXX XXXX CC : Speedy Cash Corporate Office
|
| 11/27/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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On XX/XX/XXXX I needed some cash to pay some bills was down to no money to make it so searched to see what help I could get, saw this loan company on-line and telephoned them, the guy I spoke with walked me through the process and said he could run it to see how much I could get approved for, he came back on the line quick and said I was approved for the {$750.00} the highest limit they have and that my payment would be around {$110.00} per month, I had to electronically sign documents in which I was not aware that I was signing something with a APR of over 600 % until I received an e-mail for my payment for XX/XX/XXXX to come out and it was $ 257+, I almost fell out, how I get from {$110.00} a month to almost {$300.00}. I made one payment of {$110.00} for XX/XX/XXXX but my XX/XX/XXXX bill will be close to {$300.00} outrageous.
This guy from speedy cash never disclose the APR amount to me over the phone and nor did he tell me I needed to read all of the documents before electronically signing I was under the impression that my payments would be {$110.00} every month because I kept asking him is that what my payment would be per month and he was telling me yes so I went on and sign the documents thinking I am agreeing to the {$110.00} payment per month and that 's all.
I contacted Speedy Cash on XX/XX/XXXX and spoke with a lady to stop my authorization of payments she was saying that I needed to send an e-mail to them in which I did but I will still need to make payments in another manner and that the payments wo n't always be the same every month sometimes higher sometimes lower, I told her I thought the payment would be {$110.00} every month because the guy who processed my application did n't tell me any different she said I was supposed to read documents and I told her I was on the phone with the guy and he did n't disclose to me that I needed to.
I think I was falsely informed on the phone in thinking my payment would be {$110.00} a month and now it will be triple and I ca n't afford to pay it and I told the lady that this morning XX/XX/XXXX.
|
| 02/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
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I recieved a payday loan from Speexy cash in XXXX, WA for {$350.00} and was to pay back {$400.00} on XX/XX/2019. My medical premiums have been taking out hundreds over the regular amount to the point that my company and union are all going to sit down and figure out wtheck is going on so I was unable to pay the payday loan back on time due to not expecting my check to be hundreds short. SO, payday loan day came and went but I had also given them permission to run the check and knowing my bank allows overdraft I assumed okay its going to overdraft my account and there's nothing I can do. Well, a woman named XXXX called me XXXX XXXX from speedy saying the check had been declined. I, then, explained the extenuating circumstances and said I would definitely make a payment on my next payday which now differed from original biweekly schedule ( was out on medical but then went back to work in this time. Its why i needed the payday loan ) so yes instead of two weeks from original due date it was agreed to be paid on XXXX XXXX. It was agreed to! They instead lied and continued to try and pull out entire amount and did so overdrafting every penny from my account. They by WA law HAVE to accept installments and I believe I even have 45 days to make a payment before theyre allowed to begin trying to force payment anyway are they not? Anyway, I called and they could care less and their reasoning was, " well, other people have lied and not paid them back in the past so they do this to everyone. '' They used deceptive means and lied about the agreement all together. I have all of which on recording to prove so. Her admitting to not telling me thats what they would even possibly do. I need that money back now and they can not treat me as less than human when this was completely out of my control in the first place. I can prove the medical was taken straight out of my check and that they owe hundreds when I've only just gottan back to work so they are the only ones who have lied here and royally XXXX me after I was already going through enough! Please help.
|
| 03/27/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is ( XXXX XXXX ), a federally protected consumer, and I am making this complaint against ( AD Astra Recovery Service ) for committing identity theft. I have never given ( AD Astra Recovery Service ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have never received any documentation requesting validation from ( AD Astra Recovery Service ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( AD Astra Recovery Service ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( AD Astra Recovery Services ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( AD Astra Recovery Service ) continues its collection efforts, I will file for litigation for actual damages caused and ( AD Astra Recovery Service ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 09/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX ( on behalf of Avio Credit ) ran a debit transaction on my debit card for approximately {$2800.00}, without any notice or authorization. I originally took out a loan with Avio Credit in XXXX of XXXX, and subsequently worked out a payment plan with Avio Credit and XXXX XXXX in XXXX of XXXX. The first payment did not go through, and I attempted to contact both companies but received no response and received no further communications from either entity ( XXXX XXXX claimed to have sent letters but I have received no such letters from XXXX XXXX ).
A year later, XXXX XXXX charged the {$2800.00} referenced above to my debit card without any notice or consent. In doing so, the charge caused a number of items to bounce and led to approximately {$400.00} worth of overdraft fees. I also cancelled my debit card because the transaction appeared fraudulent ( and was traveling when this happened, making this even more difficult ). I subsequently contacted Avio Credit on XX/XX/XXXX, and was told that they had placed the account with XXXX XXXX and didn't run the transaction themselves. On XX/XX/XXXX, the first day I could get a hold of someone at XXXX XXXX, I was told that they believe the transaction is valid and that they would not refund it.
I have disputed the transaction with XXXX and intend to take legal action, but wanted to raise the complaint here because this is a clear abuse of the FDCPA. Running a debit card transaction for the whole " amount '' without notice or consent is unconscionable and amounts to theft. In doing so, Avio Credit and XXXX XXXX essentially placed themselves above essentials such as food and daycare, as well as other creditors who now will not get paid because of their tactics. I say " amount '' because I had no way to verify the amount since there was no notice - there's no way to know that XXXX XXXX did not add fees or interest. The practice is unconscionable and against the law, and both agencies should be thoroughly investigated and punished accordingly.
|
| 06/02/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against AD ASTRA RECOVERY for committing identity theft. I have never given AD ASTRA RECOVERY any permission to use any of my identifying information to commit mail fraud by contacting me Or furnishing items to my consumer report about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have never received any documentation requesting validation from AD ASTRA RECOVERY before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If AD ASTA RECOVERY can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until AD ASTRA RECOVERY can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and AD ASTRA RECOVERY continues its collection efforts, I will file for litigation for actual damages caused and AD ASTRA RECOVERY will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 04/13/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have an account with speedy cash - It is an opened XXXX loan with daily interest. I have been paying on it the XXXX and the XXXX every month. Even while out on XXXX leave- I recently was unable to pay and was sent to collections.
I assumed that the since I was not paying on it and it was in collections that I would no longer be charged interest. That is not the case - I contacted them today to see about a payment plan and was told that I am still being charged interest daily- I advised that this was unfair- they misunderstood me and thought I was requesting the interest to be suspended until I returned from XXXX leave. I advsied that I was requesting it to be suspended idefenltily. Why continue to charge interest if you are not receiving a payment- You are going to cause me to owe double. In fact they stated that too - trying to scare me into making a payment.
I can understand charging interest on a good account, but when a consumer has contacted you and told you there situation they should try to work with you in some way - They are not even trying to work with me at all - Again kept saying XX/XX/XXXX - I advised that i can make a payment before then but needed to have the interest removed. The loan is past due why continue to charge interest on a loan? Why not just close the loan and get a payment plan on it that benefits you and the consumer?? They are not willing to work with me at all other than to take a payment to day and suspend the interest for 30 days - Thats not helpful- They also did not read me the rights of fair debit collection disclaimer. The seemed abusive and abrasive. No matter how I tried to work with them they were not willing to bend.
XXXX loans are tricky and yes I understand daily interest. But I cant get a loan with them now becasue Im in collections there for the contract should be void and other rules should apply. At least try to work with your consumer. If they would work with me they would get there money back sooner and I wouldnt owe double
|
| 04/27/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
Evergreen Financial Investments , Inc DBA Rapid Cash, XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX, XXXX.
My bank is XXXX XXXX XXXX The selections do not really pertain to my situation. I do not have the money to pay the loan back as I no longer have work. I have revoked my pre-authorization for my debit card and actually cancelled my debit card since I misplaced the original. I spoke with my credit union and notified the merchant as well ( in writing ) and I also requested that they put together an installment plan. They responded that they had revoked my pre-authorization and I could make payments by mailing them to Kansas or bringing them in to the office here in XXXX. Since they did not mention the terms of the plan, I called their customer service number and spoke with " XXXX ''. She told me that I could not have an installment plan without a debit card on file which I do not want to do. She said that when the office did not get their payment on XX/XX/XXXX, they would send it to their collections department. However, they are not supposed to be charging me any more fines or other expenses once I 've requested the installment plan. Trying to deduct it from a debit card that no longer exists will earn them {$25.00} for the attempted deduction and may also incur a charge from my credit union. Since they know I do not have the money to pay, their trying to withdraw it on the due date makes no sense except to punitively charge me {$25.00} on the attempt. Again, the contract makes no mention of having to have a card authorization and, in fact, the email I received gave other instructions for payment this makes no sense. I am trying to be honest with them to tell them I ca n't pay immediately and they are giving me the run around. I do want to pay my debt, I just ca n't right away. I am sorry about this but now I feel they are being dishonest. I can furnish their email response if you require it. I just would like to email it to you at a private email address. Can you please help?
|
| 07/31/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
On applying online for an installment loan with SPEEDY CASH on XX/XX/18, I was told to go to my local store in XXXX XXXX CA, which I did on XX/XX/18 ; this after calling the store to inform them that my ID was New York issued with a California address, to which I was informed would be " no issue at all '' for approval. On arrival to the store, low and behold, the staff wasted an hour of my time calling in to their center, informing me that they could not help me in store due to my ID ( which I had explained the issue of in depth before going to the local store ), but that I would be approved via the phone number given my income and other credentials. So, I phoned the XXXX staffed line and the agent pulled me up, ran my information stating that my NY ID would be of no issue, and then stated I was declined with no reason given - but then told me I would " probably '' be approved in store! She stated I would receive decline reasons via email, but the only email I received stated once AGAIN to go in to my store for approval. SpeedyCash has wasted a great deal of my time and money today, and I am in need of immediate assistance from an executive level employee.
This has been a terrible experience, bordering on what I view to be a scam, as now these stores and agencies have all of my personal banking information, debit card information and ID, only to tell me I was not approved for which is likely the issue with my old NY ID ( I have just permanently relocated to California after a long school stint here and do not have my CA ID yet, though have my vehicle registration and proof of address here in California, which was requested prior to me going in to the store ).
I am extremely dissatisfied and require immediate executive level intervention to get this loan approved, as stated by staff. I am requesting immediate executive level assistance in aiding me in the approval of this loan. Please reach out to me urgently at XXXX to discuss resolution to this matter. Thank you.
|
| 07/19/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Older American |
|
I attached the email that I received this morning.
Attention, AMOUNT OUTSTANDING : {$970.00} This Proceeding issued on you Docket No : XXXX with one of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you.
We have sent you this warning notification about legal proceedings on XX/XX/2020 but you failed to respond on time now its high time if you failed to respond in the next 12 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated.
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges.
Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep.
This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences.
By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.
IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : -mailto : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, XXXX
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| 09/05/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
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I received the email below, but I have never spoken with anyone. I unfortunately defaulted on the loan due to unforeseen circumstances, but have every intention of paying it back eventually.
CREDITOR : Speedy Cash Group CASE NO : # XXXX AMOUNT OUTSTANDING : {$750.00} This Proceeding issued on you Docket No : - # XXXX with one of SPEEDY CASH LOAN. Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of Speedy Cash Loan has decided to mark this case as a flat refusal and press legal charges against you. We have sent you this warning notification about legal proceedings on XX/XX/2019 but you failed to respond on time now its high time if you failed to respond in next 48 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated.
In order to resolve this case outside of court you will have to submit payment of {$750.00} today.
WHAT IF YOU WILL IGNORE We will simply filed the case against you for the three serious allegations, ( i ) Violation Of Federal Banking Regulation.
( ii ) Collateral Check Fraud.
( iii ) Theft By Deception & Money Laundering.
You will be sue into the court house, where you have to pay {$4500.00}, which is including your bail charges, attorney charges, and court fees. Your employer will be contacted and they will be served with this legal notice. Your all bank accounts will be ceased.
Please let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step.
IF YOU WANT TO RESOLVE THIS CASE OUTSIDE OF THE COURTHOUSE CONTACT TO RESTITUTION DEPARTMENT AT : mailto : XXXX Sincerely, Settlement Department, speedy cash loan XXXX, TX.
|
| 01/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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The first known incident, occurs from an authorized account opened in XX/XX/XXXX in XXXX XXXX XXXX Nevada. Corporation name was XXXX XXXX. As of XX/XX/XXXX the debt was unpaid and thus issued to collections. The age of the victim at time of theft - was age XXXX. The victim whom of which personal information was used to process all of the following accounts, was born in the year XXXX. Clearly there was no authorization that was provided, NOR could they provide as a minor.
The second known incident occurs XX/XX/XXXX, an online shopping account is made with company, XXXX. XXXX reports first purchase was made XX/XX/XXXX, resulting in a purchase amount of {$220.00}. As of XX/XX/XXXX XXXX then issues unpaid debt to collections. As of XX/XX/XXXX victim of identify theft, begins receiving calls regarding delinquent account. Victim believes to be scam and simply disconnects call.
XX/XX/XXXX victim receives another collections call in reference to delinquent account with XXXX.
XX/XX/XXXX XXXX then contacts XXXX to validate legitimacy of collection agency, and attempts to research any and all unauthorized financial transactions that have occurred. XXXX validates item purchased, date of account opening, and address associated. Call is is documented and recorded.
XX/XX/XXXX Individual experiencing identity theft, then pulls credit report from XXXX and notices ANOTHER unknown delinquent account on report. Balance showing currently {$1100.00}. Collections agency company - Ad Astra Recovery Services. The date of issue to collections- XXXX. The company that of which the line of credit was issued, Rapid Cash CO.
I am completely unaware of these transactions that of which are associated with my ssn and first and last name. I have contacted local sheriffs office and am going to be filing a policy report. I am under the impression that the individual using my information is my mother, and I have address, times, and dates that of which align with actions.
|
| 08/09/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Money was taken from your bank account on the wrong day or for the wrong amount
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Web |
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Having a balance of XXXX on this payday loan, I had recurring charges of about {$30.00} scheduled to come out of my account. ( Debit first, then checking if the debit card declines ) I submitted an additional payment of {$70.00} to pay off the balance. The rep told me that after the {$30.00} recurring payment cleared that it would be paid in full.
My loan agreement states that it should be withdrawn from the debit card first, checking account last.
The rep agreed, noted, and informed me that {$30.00} would be withdrawn from the account, to clear the balance.
The company processed an ACH debit payment instead of it being from my debit card so that it would accrue interest.
I noticed a new bill of about {$50.00} and I called to find out why.
The rep explained that it was processed through my checking account. And that it did not clear due to insufficient funds.
I explained that the withdraw was supposed to be done through the debit card. We went back and forth debating our points to which She stated that her supervisor would clear all of the interest on the account after the payment if {$30.00} was processed! At the end of the call the rep made it VERY CLEAR that all I needed to do was call in after the payment of {$30.00} cleared yet again, and the remaining balance ( interest ) would be removed via the supervisor.
The following day {$50.00} was withdrawn from the account.
Customer service rep stated she could see the notes from the previous representative that I spoke with about the {$30.00} payment being processed and the interest being removed and that she was going to get a supervisor. I got transferred to customer relations who informed me that they processed a payment for {$50.00} even after I spoke with the customer representative from the previous day. But that they could not see the notations from the customer service department.
No refund was issued.
The company processed a different payment than what was authorized.
|
| 08/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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Ad Astra, is in continual violation of my consumer rights. The last reply I received from them stated that " As XXXX XXXX has indicated that he is represented by counsel in connection with the account placed with Ad Astra, the validation requested was provided to his attorney as required by law. Until such time that XXXX XXXX indicates that he is no longer represented, Ad Astra can only communicate with the consumers attorney which is why the validation sought by XXXX XXXX was delivered to his attorneys XXXX, Texas address ''. In fact, I have never communicated this to Ad Astra. On XX/XX/2022 Ad Astra wrote " In our role as a third party collector, Ad Astra has attempted to contact the consumer on several occasions by mail to negotiate repayment ''. There has been no contact from me towards AdAstra outside of the CFPB. So, how did I tell them I had counsel? They must explain this and provide evidence.
I understand that these are delay tactics and cheap collection agency tricks. Afterall, AdAstra has a well-documented history of such. I WILL STATE NOW THAT I DO NOT HAVE COUNSEL AND HAVE NEVER COMMUNICATED SUCH TO ADASTRA. Furthermore, as I have always maintained AdAstra has not properly validated this debt as they have been willfully reporting erroneous information including my name. There is someone who shares the same name as me in XXXX and I believe that is why they sent the information to XXXX. Evidently, AdAstra has confused he and I.
Therefore, I REQUEST AdAstra to immediately forward to my address the following : 1 ) Pay off disclosure 2 ) Interest Rate Disclosure 3 ) Balance History 4 ) Payment History 5 ) Credit Insurance 6 ) Signed contract with my signature 7 ) PROOF that I told them I had counsel, the counsel 's phone number, name and address.
8 ) Method of investigation used to validate this account I REQUEST THESE 8 PIECES OF INFORMATION ( in its entirety ) BE IMMEDIATELY AND WITHOUT DELAY SENT TO ME AT MY RESIDENCE.
|
| 05/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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|
|
Web |
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I received a text message reportedly from Speedy Cash claiming that I had been approved for a loan for {$5000.00}. As I had been in the market to obtain loan recently I took it to be a legitimate offer and contacted the number listed on the text message. The gentleman I spoke with had a very heavy XXXX or XXXX accent claiming his name was XXXX XXXX, took down all of my information as if you were taking a normal loan application. Near the end of the call I began to get a bit apprehensive when he asked to obtain my online banking login username and password. I provided the information as requested, knowing that I can immediately change the information. He then stated they needed to confirm some information with the login information I given him I would contact me again in 15 minutes. When the time came to contact me, he called me back and told me that he was unable to deposit the funds into my account because my credit score was too low and the credit bureau was not allowing the payment to go through. At this point I knew that he was a roster because I am well aware that the credit bureaus have no input or control over who deposits what where. Then he told me that the reason be deposit was declined is because my credit score was too low. I advise him calmly that my credit score is currently at a {$700.00} and I'm able to look at it in real time through my bank and online banking service. He kept interesting that I needed to do something to raise my credit report score by 25 points and in order to do that they would be willing to make a series of small deposits into my account on the condition that I pay them back. He offered to deposit {$1000.00} into my account stating that I was to pay it back to them immediately about that my credit score. At this point I confirmed his first and last name and attempted to get a phone number other than the one I already have on hand and he immediately terminated the call while I was speaking.
|
| 05/11/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
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CASE NO : XXXX Attention, AMOUNT OUTSTANDING : {$970.00} This Proceeding issued on you Docket No : XXXX with one of XXXX XXXX XXXX Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department has decided to mark this case as a flat refusal and press legal charges against you.
We have sent you this warning notification about legal proceedings on XX/XX/2020 but you failed to respond on time now its high time if you failed to respond in the next 12 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated.
We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$8600.00} and will be totally levied upon you and that would be excluding your attorney charges.
Please let us know what your intention is by today itself so we can hold the case or else we will submit the paperwork to your local county sheriff department and you will be served by court summons at your doorstep.
This is your last and final chance to settle this case. If you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences.
By electronically signing this Loan Agreement by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the Consent and that you have downloaded or printed a copy of this Consent for your records.
IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : -mailto : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, KSXXXX
|
| 07/30/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I contacted XXXX XXXX, a collection agency based out of Kansas who was been reporting I owe them {$650.00} from a SpeedCash payday loan from XXXX. I contacted them in XX/XX/XXXX in which they offered me a settlement of {$500.00} on the debt for {$650.00}, I do not recall them saying anything about it expiring.
I contacted them again in XXXX of XXXX in which they still had that settlement available for {$500.00}. The representative incorrectly disclosed the existing debt to what would be an unverified 3rd party on the inbound call, which violates FDCPA.
I called them again last week and asked to pay the {$500.00} settlement, and now they refuse to take it, stating that it expired and now I can only pay the {$650.00}. I asked to speak to a supervisor and received the run around by the rep who was apparently passing messages from myself to her supervisor, and back through to me about why she's not going to take the call. ( This is unprofessional ).
I ask to speak to the Director of Operations or the director of the floor and was told that there was only one manager in, and it was XXXX. After alot of begging XXXX did finally take the call and refused the {$500.00} payment of the settlement I was offering to pay today. I advised her that one of the reps there committed 3rd party disclosure on the call in XXXX and although she said she can review the call, she did not seem to care much. XXXX XXXX never advised me of the settlement expiring and I feel that as soon as I was ready to pay, they took it away and want the full balance now.
I request that the CFPB does an independent audit at XXXX XXXX, reviewing every settlement call they have ever had to see if in fact they do or do not expire, and if they have ever accepted a settlement from a consumer after it allegedly " expired. '' I feel that that the {$500.00} COULD still be taken, but they are instead attempting to take advantage of an unemployed consumer to get more money.
|
| 03/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
I had put in a loan with request with speedy cash. Later that day I got a call from a gentle man claiming to be from speedy cash telling me my loan had be approved but that he needed my account number routing number and online backing username and password. I have gotten a loan before so him asking for my routing number and account number didnt set off any red flags. But then he asked for my online banking in my sign on n password. That got me thinking but then he proceeds to tell me that they are going to send us XXXX $ and once the money arrives in my account that I am not to spend it but to go to my nearest convenience store like XXXX and purchase cards with that money and send it back to him. Once I get that done I will be sent my full asking amount of the loan. That is when I got really suspicious and red flags started to go off all over. As I continued to speak to him my wife called speedy cash and asked them what there loan approval process was and explained I was on the phone at that moment with a gentleman claiming to be a speedy cash approval officer. She said we dont ever ask u to go buy cards and sent it back we must deposit it into ur account that's a scam report him. But I was too late because he already had gotten all my bank information. I then called my bank n closed that account changed all my banking online information and then went straight to my bank to talk to the bank manager. Fortunately my wife caught the red flags faster then I did and immediately told me to hang up change me password to online and call my bank to freeze my account I was lucky. He called from a Kentucky area code with a XXXX XXXX accent said his name was XXXX called me from the number XXXX XXXX XXXX. While i was at my bank closing my account he called me 3 more times. Probably because he was in the process of trying to ruin my account but I had already frozen the acct change all online banking info and didnt answer his first call
|
| 12/28/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/XXXX, 2017 XXXX XXXXXXXX XXXX XXXX , XXXX contacted me about a debt. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested XXXX XXXXXXXX XXXX XXXX, XXXX to provide me with a validation of the debt that they talked of earlier. I stated this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request XXXX XXXX XXXX XXXX, XXXX provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you XXXX XXXX XXXX XXXX, XXXX I have not received documentation demonstrating compliance with the Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692g Sec. 809 ( b ). They did attempt to send a deceptive/new contact agreement to sign with no validation as requested. My right to dispute the debt was not in compliance as well.
The company sent verification letters not debt validation letters as requested. The verifications letters shows the name of the alleged creditors. The original terms and or agreement stipulates arbitration and not a third party collection agency. The admitted they are a third party and not an arbitrator, which violates the terms. Once again, the requested information is outside of the 30 day FDCPA 15 USC 1692g SEC. 809 b The company stated that they resecarhed the the issue, the could not have if clearly written in the arbitration agree with the alleged creditor XXXX XXXX which states all conflicts shall be sent to arbitration and not collections. The request for arbitration was ignored by the alleged rapid cash creditor and I received communications from XXXX XXXX XXXX XXXX , XXXX without researching they sent incorrect informato the credit agencies without verifying what they were validating as a debt belonging to me. A copy of a debt from the alleged original creditor alleging I owed a debt is not validation of a debt.
|
| 04/14/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
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|
In XX/XX/XXXX, I saw an entry on my credit report from XXXX XXXX XXXX for a loan they alleged I took out in XX/XX/XXXX. I sent a request for information proving the debt was indeed mine because I am certain I have never had any business dealings with this company. The first response was a generic response with just my personal information such as date of birth and last XXXX of my social. ( which can be obtained through public records ) See attachment. I then submitted a dispute through the XXXX credit bureaus because according to Texas Finance Code what they provided was not proper validation so I requested that the information be removed from my credit file. The debt came back as " verified ''. In XX/XX/XXXX, XXXX XXXX sent me a settlement offer stating that I can make bi-weekly payments of {$220.00} to settle the debt however I refuse to settle a debt that has not been proven to be mine. See Attachment. I reached out to XXXX in XX/XX/XXXX, again requesting proper validation according to FCRA and Texas Finance Code, This time they responded with a " contract ''. I combed through all pages of documents NONE of which had my signature agreeing to the terms of this alleged contract with the original company nor did it include any documentation agreeing to a contract of terms of payment in which I have defaulted with XXXX. I believe this company is trying to take advantage of me as a consumer as if I do not know my rights. They have ignored my multiple request to validate this debt according to federal and Texas state law. So far what I have received in generic documentation that can not be used to conclude I indeed owe this debt. Again I do not have a contract with XXXX XXXX and the documentation showing a contract with the original company does not include my signature. It is obviously a typed fill in the blank contract. I want this removed from all three bureaus immediately and all collection attempts ceased.
|
| 09/29/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Requested debt validation on XX/XX/2020 via certified mail. The collection agency signed for the letter on XX/XX/2020.
A complete and timely debt validation has still not been received by me as of today 's date - XX/XX/2020. This is well past 45 days. By federal law the collection agency is supposed to provide debt validation within 30 days ( 45 days during this pandemic ). If they do not then the debt is to be removed from my credit report.
My credit file has merged with another person of similar name. I have called the credit bureaus, and they admitted the error. They are in the process of removing inaccurate/merged information from my file. XXXX has nearly completed it at this time. I am waiting on the other credit bureaus to complete the process.
In the meantime, I am having difficulty with this collection agency. The debt they are attempting to collect is not mine. They have not validated it, and will not do anything to rectify the situation.
I am a small business owner. I employee 9 people full time. I discovered this credit mess when I applied with the SBA for a disaster loan ( in XX/XX/2020 XXXX to save my business during this pandemic. I was denied for the SBA Loan based on my low credit score.
My score is low due this collection agency and 3 others reporting inaccurate information on my credit report. The SBA will reconsider my loan request if I can get my credit score back up.
I have followed all protocols under the FCRA to attempt to resolve this situation. The collection agency is not cooperating in any way at all.
I have documented everything, and am prepared to initiate a lawsuit if necessary. My attorney will be involved should it come to this. THIS COLLECTION AGENCY IS IN CLEAR VIOLATION OF THE FCRA, AND ADDITIONAL STATE AND FEDERAL LAWS.
I simply wish to resolve this matter so that I can keep my business running, and maintain my employees jobs and livelihood.
Thank you
|
| 01/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
The company was deceitful in making me pay this already discharged Bankruptcy debt by making me believe that I still actually owed them for this debt that dated back to the year of XXXX. Besides the age of the debt, this debt was completely discharged by the United States Federal Bankruptcy court on XX/XX/XXXX and therefor I legally have no further owed obligation to repay a discharged debt as a result of my recent chapter XXXX bankruptcy filing done on XX/XX/XXXX at the XXXX, CA Federal Bankruptcy Court. Speedy Cash made it seem as if I paid this debt that they still are illegally claiming that I owed to them despite the fact that I had filed for bankruptcy, that they would give me a new loan once it was paid. They deceitfully lured me into making this payment to them thinking that I would be approved for a new loan from them for a much higher dollar amount, but instead, after I had made the payment to them, they conveniently denied my request for a new loan, and in fact, also told me that now I had to wait 60 more days before I could even re-apply at all. They not only lured me into paying off an old discharged bk debt, but they deceitfully did it and lied to me about being able to get a new loan from them afterwards if I had re-paid this discharged debt. Now they also not only deny this loan, but make it so I cant even re-apply for 60 days. Also, when they denied me I was not given any reason for the denial after I was told that this loan would be approved. Instead I get an email the next day that states that I was denied due to information they received not from a credit reporting company but a different unnamed source that has nothing to do with credit reporting bureaus etc This company was deceitful, dishonest, and preyed on my vulnerability. The next step is to file a complaint at my local court, and possibly at the Federal Bankruptcy Court for my region as well, if this not resolved at this level.
|
| 02/21/2017 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
I am a victim of Identity theft on or about XX/XX/2016 the above mentioned company did a fraudulent hard inquire to my credit report on Equifax. After learning about this unauthorized fraudulent transaction I placed a warning and then a freeze to my credit file. I contacted speedy cash on two times in which they refuse to remove this hard inquire to my credit report thus impacting my credit rating. I have also asked for all the information that is attached to this fraudulent account in which they also refused. This refusal is a direct violation of my civil rights under the Federal Trade Commission ( FTC ) Fair Credit Reporting Act ( FCRA ) section 609 sub-section ( e ) in which it states Who must comply with Section 609 ( e ) of the FCRA?
A. The law applies to a business that has provided credit, goods, or services to, accepted payment from, or otherwise entered into a transaction with someone who is believed to have fraudulently used another person 's identification. For example, if your business opened a cell phone account in the victim 's name or extended credit to someone misusing the victim 's identity, you may be required to provide the records relating to the transaction to the identity theft victim or the law enforcement officer acting on that victim 's behalf.
Q. What documents must my business provide?
A. Your business must provide applications and business transactions records, maintained either by your business or by another entity on your behalf, that support any transaction alleged to be a result of identity theft. Records like invoices, credit applications, or account statements may help victims document the fraudulent transaction and provide useful evidence about the identity thief.
They will not comply with Federal Laws and Refuse to remove this Hard inquire from my credit report. I had a total of XXXX hard inquiries to my report and I had removed 27 of them without any problems.
|
| 11/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This company has never been given consent by me to communicate with me regarding an alleged debt, nor to furnish information to my consumer report. Doing so, without my consent is an infringement upon my privacy and a direct violation of federal laws. 15 USC 1692c ( a ) as well as 15 USC 1681b ( 2 ). I am demanding that this company delete this account from my consumer report and Cease and Desist any and all communication with me as it relates to the collection of any alleged debt ( s ) by/through all means except for the United States Post Office .
No consent is identity theft. I will also be filing a complaint with my states attorney general, Kansas 's state attorney general, the XXXX XXXX XXXX and the Federal Trade Commission.
15 USC 6802 - Obligations with respect to disclosures of personal information ( b ) Opt Out : ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
This company violated my rights by not clearly and conspicuously providing me with the proper notices and information that would have allowed me to opt-out of having my non-public personal information shared with non-affiliated third parties such as XXXX, XXXX and XXXX. There has been a breach of duty, thus causing injury, embarrassment, shame and loss of both personal and business opportunities.
|
| 05/22/2020 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Trouble using the card
- Trouble using the card to spend money in a store or online
|
|
Web |
|
|
Registered for a prepaid card online at XXXX approx 3 weeks ago, received direct deposit information from XXXX for new account including routing and account number then submitted this information to the IRS online to receive {$1200.00} stimulus payment as direct deposit to my XXXX account. Received prepaid card approx 10 days later, activated successfully online by calling number on the card.
IRS app " Get my payment '' informed me the payment would be deposited on XX/XX/2020. On that day I called the customer support number on the back of my XXXX Visa Card entered 16 digit card number only to receive message " no valid account '' then was transferred to XXXX agent who informed me the deposit of {$1200.00} was made but she needed to transfer me to another agent for ID verification. I spoke with XXXX who advised she would be asking several questions to verify who I was.She had me verify previous address then asked if I was expecting deposit from government I said ; " Yes '' then suddenly she had technical issues and the system would not allow her to ask any further questions and I would have to mail photo copy of Drivers License and Utility Bill with current address on it. I asked if it could be emailed or faxed she provide that information which I submitted by email to XXXX
The following morning I called to verify funds and same message. Spoke with Supervisor by phone who verified email with proof of ID was received. She then informed me that account was closed as I broke the terms and conditions and said go to website and look under Closure section. Would not provide any more details and said they would mail me a check within 4 to 10 weeks. I did nothing wrong and provided all documentation they asked for, this is my stimulus payment and I can't afford to wait 10 weeks to get the government intended help I have rent and bills I need to pay! Please advise, thank you!
|
| 09/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I took a loan out with speedy loan for {$700.00} which totaled {$920.00} I made 3 payments of {$190.00} and a final payment of {$700.00} in XX/XX/2020. During COVID I was laid off so I could not pay on the loan. I called in and let them know.
At some point the account was sent to Ada Astra Collection-XXXXXXXX. In XXXX I was reported to all 3 credit bureau XX/XX/XXXX. I spoke directly to Speedy letting them know my account is paid in full and there's a {$410.00} balance, they told me those were fees.
I contacted Ada Astra told them the remaining balance are fees, it was confirmed by Ada Astra representative my balance had been {$700.00}. I sent numerous emails requesting a courtesy due to COVID, there has not been a reply since my first email. I have emailed, called and there's no assistance they are asking {$410.00} in fees.
XXXX deleted the collection after my dispute, and proof of payment, as of today it was placed back on my credit file for the second time. I don't understand how a company can repeatedly place things on a consumers credit file after it was deleted. This company is taking advantage of consumers especially in this time of COVID when people are out of work and struggling.
To continuously place inaccurate information on a consumer 's credit file after it has been deleted. This is an abuse of power, and damaging to many consumers. The loan was paid in full. I should not have to keep disputing for Ada Astra to stop placing this debt of {$410.00} in fees on all 3 credit bureaus.
There has been no relief offered to me just the repeated hostile demand to make the {$410.00} fees payment. Due to COVID there was CARES ACT information that consumer accounts not to be charged with fees as the country close in a pandemic. This is unfair practices by Ada Astra and there should be some help for consumers experiencing this duress by this company.
|
| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/22 because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, AD ASTRA RECOVERY SERV is reporting that I have a collection with them, and I have never been in communication with this company. They were notified to validate this debt that is reporting on my credit report, but they have failed to do so. I will include the letter as well as the time stamp. They are illegally reporting an incorrect account to the credit bureaus, and this is affecting me tremendously. I sent a letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. My question is why have I yet to receive any validation of this account? The balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that they've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, they are required to remove this account immediately from my credit report. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. Please provide proof of your right to own/collect this alleged debt and balance claimed including all fees, interest and penalties. Provide me of the amount of which the debt was purchased, per the CFPB, I have this right as a consumer. Please conduct a proper investigation and remove this account. Also include a contract bearing my personal signature. My email is XXXX.
|
| 02/07/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
My husband and I received a bill from Speedy Cash on XX/XX/XXXX for {$400.00} due immediately. I contacted the company to let then know they had the wrong person. They wanted me to surrender my husband 's social security number and date of birth before they would even discuss the account with me. I refused, because we did not take out the loan. They transferred me to the Fraud Department. They refused to talk to me because the loan was not in my name.
We received a second letter dated XX/XX/XXXX. It stated that since we were claiming that we didn't open the loan, they were putting a hold on the account for 30 days. We would have to contact our local police department to file a report and then they would release the information concerning the loan. I spoke with the police department. They stated that at this point there was not enough proof that a crime had been committed, therefore they could not open an investigation. They asked me to try and get the information from Speedy Cash, then they would have information to work from.
We received a third letter XX/XX/XXXX stating that they REQUIRE a police report and/or notarized FTC affidavit, along with a copy of my husband 's drivers license by XX/XX/XXXX or the account will be sent to collections department and activity will resume as allowed by law.
We received a fourth letter XX/XX/XXXX, which finally gave us the account number, the amount of the loan, and that it was applied for online. We called the company, gave them my husband 's date of birth, last four of his social security, trying to resolve this issue. The person we spoke with stated that he still could not release any information until we verified more information or we have the police department call them for the release of the information.
We did not take out this loan and require help to stop this harassment from Speedy Cash.
|
| 03/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX I filed chapter XXXX bankruptcy. Included in the bankruptcy was a company called XXXX XXXXXXXX XXXX XXXX who was servicing as a collection agency for Speedy Cash. I have call the collection agency to ask them to update the status of the account and it seemed that they removed it. They were sent notice but as they thought my chapter XXXX was discharged they reported the account to my credit report as unpaid. I do know that doing that is against the law. I can not get resolution from this company and their practices are illegal they are affecting my current job with this information as I informed my employer they were included in my bankruptcy. Here is a example of how they are reporting to my XXXX
Date reported : XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date AssignedXX/XX/XXXX Original Amount Owed {$610.00} Amount {$610.00} Status Date XX/XX/XXXX Status UNPAID Balance DateXX/XX/XXXXAccount Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxx XXXX Creditor Classification Financial Last Payment Date Date of First Delinquency XX/XX/XXXX here is the proof of my chapter XXXX that was filed : Bankruptcies Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. Bankruptcies stay on your credit report for up to 10 years, depending on the chapter of bankruptcy you file for. They generally have a negative impact on your credit score.
Reference Number : XXXX Status Bankruptcy proceeding is initiated by the debtor 's own petition to be declared bankrupt and have benefit of the law.
Date FiledXX/XX/XXXX Verified Date Liability Exempt Amount Type Individual Filer Subject Court XXXX XXXX XXXX XXXX XXXX Amount I really need this company to follow the law and correctly remove this status from all of my credit reporting agencies. It is affecting my career.
|
| 05/04/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
A loan of {$630.00} was sent to collections as unpaid from speedycash.com. When I contacted the collection agency AD Astra Recovery Services they advised it was sent to an attorney XXXX XXXX XXXX. I contacted their office and paid the entire debt in full with my credit card on XX/XX/XXXX. XXXX weeks later I received an update on my credit report showing that the balance was now back with Ad Astra and I owed the full balance. I contacted their office in which they confirmed XXXX along with providing them with a receipt showing I paid in full ) they received the payment from the law office on XX/XX/XXXX but proceeded to update my credit report on XX/XX/XXXX showing the balance was still owed??? I asked that it be removed because they did in fact have the full balance however, I was advised that because they received the payment on XX/XX/XXXX it can take their office weeks to update their system XXXX even though they acknowledge their system is currently showing as paid ) and in turn my credit report, which made no sense as they updated the report as owed on XX/XX/XXXX. In essence, even though I have paid in full, and their office has acknowledged they show my account was paid to their office in full on XX/XX/XXXX, they will continue to report my balance as owed IF they ever get around to wanting to fix the fraudulent update to my credit report. As a consumer, I am at a loss and very frustrated that between this many entities I can not get any assistance and their offices continue to tell consumers that even if paid, they have no obligation to accurately report any information. At this point I dont know what consumers could do, other than contacting an attorney and being forced to spend funds there to get recourse. This payday loan was a nightmare and now almost 2 years later I am still dealing with this issue as are XXXX others.
|
| 06/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against AD ASTRA RECOVERY SERVIC for committing identity theft. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from AD ASTRA RECOVERY SERVIC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If AD ASTRA RECOVERY SERVIC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until AD ASTRA RECOVERY SERVIC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and AD ASTRA RECOVERY SERVIC continues its collection efforts, I will file for litigation for actual damages caused and AD ASTRA RECOVERY SERVIC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 06/09/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
A loan was taken in the amount of {$3500.00} from a national payday loan company on or around XXXX with XXXX payments of {$380.00} and XXXX payment of {$380.00}. The payments have been taken out of the bank account automatically on the day the social security money hit the account which is every XXXX day of the month. The first payment was made on XXXX. XXXX payments have been made in the amount of {$380.00} through XX/XX/2022 totaling an amount of {$12000.00}. At the time of signing, the payday lender requested blind signatures on an electronic pad and did not offer copies of the 18-page contract that was signed. The debtor was XXXX years of age when the contract was executed. A request was made to receive a copy of the original contract and it was provided on XX/XX/2022 in XXXX which is the debtor 's primary language. On XX/XX/2022 the bank was contacted to do a stop payment on the XX/XX/2022 payment. The reason why is that the debtor is currently XXXX and lives on social security and a small pension of {$570.00} and can no longer afford to continue to make these payments. Debtor feels that the payday lender took advantage of him. The payday lender was contacted on XXXX and XXXX. A supervisor made an offer in the amount of {$1200.00} to settle this account. This offer was rejected by the debtor. Debtor is applying to low-income housing facilitites and can not afford to have his credit ruined by a loan that was purposely made to defraud and to committ elderly abuse. The APR is set at 131.915 %, a number that was purposely concealed from the debtor by not providing copies of the 18-page loan document. Debtor has attempted to negotiate with payday lender but not amicable settlement has been reached. Debtor feels that paying interest is ok for borrowing money but not at the rate of 131.915 %.
|
| 03/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XXXX of 2022 I sent a letter to Ad Astra Recovery Service because I noticed a collections account on my credit report that is damaging my score and ability to obtain credit significantly. I reviewed my report and found several discrepancies across all XXXX credit bureaus and submitted XXXX letters to each bureau/party respectively . One initial letter to verify debt and a second letter pointing out all errors which included the account being continuously re-aged, reported as late every month while being charged off, and showing up as a loan reporting late each month while reporting as a collections account at the same time. I have read up on the FCRA and I know that this is NOT legal. Furthermore on one report the account would show late by 30 days before being in collection and another account late by 120 days before being charged off/sent into collections. They were extremely all on different ends of the spectrum. I also contacted Ad astra recovery and asked them to produce the original hand signed contract along with a copy of their license to collect debt in TN. I requested this license due to the very unprofessional and unethical way they have conducted business and continue to handle this situation. I asked for these documents to which they have not produced and continue to send me a obviously automated response. I sent them a letter last week and received the same automated letter that I will attach if allowed. In my last letter I stated that if they did/could not produce this evidence, along with a copy of their license in compliance with the FCRA then to remove this account off my credit report with all 3 bureaus. They have continued to ignore my request therefore in my latest letter I notified them that if this lack of communication continued I would be contacting the CFPB.
|
| 02/05/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I contacted speedy cash 3 weeks ago about a debt that is being reported on my credit report. The debt says I owe XXXX with a payment of {$230.00} a month. When I originally contacted speedy cash, the debt was only on transition and XXXX. I contacted the consumer reporting department and the representative that I spoke with said I would need to contact the fraud department to make sure this debt was not opened by someone else in my name. When I contacted the fraud the department, the representative said that I did not owe anything and there was nothing to dispute but he would annotate my account to note that this debt was paid. I contacted speedy gash fraud department a week and half later to see if the debt was removed. The representative that I spoke to said that she could not file a fraud case because it was not fraud and that I needed to contact their consumer reporting department I explained to her that I had already contacted them. I contacted the consumer reporting department again and the representative stated that speedy cash would update the balance to reflect a XXXX balance and that it would take a week for it to be removed. I asked the person that I spoke to for a letter stating that I did not owe anything to speedy cash and she stated that she was unsure if they could send me anything. At that time, this balance was only reflecting on my XXXX and XXXX report. Today, I check my report, not only has the item not been removed but they also placed this balance on my XXXX credit report. I explained to this representative that I am in the middle of purchasing a home and this balance is affecting my ability to process my loan. Can you please either remove the incorrect information from my report or provide me with a letter stating that I do not owe anything to speedy cash.
|
| 02/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
I got this email from Speedy Cash on XX/XX/2022 to my email address saying that I would be able to get a loan in the amount of {$5000.00} if I was approved and {$150.00} would be my payment that would be debited from account. So I called them inquiring because I was trying to get a loan so when I talked to the XXXX XXXX XXXX XXXX he asked me how much of a loan I was trying to get and I told him {$3000.00} and he told me that my payment would be {$91.00} a month and it would be debited from my account each month, so he sent over the application with the loan amount and how much would be debited from my account on the paperwork and asked me to sign the application and I did then he asked for my bank information and I gave it to him thinking this was a legitimate business and it turned out to be a scammer. Because he forged my name and deposited money into my account and into my mom 's account since we have a joint account, she is the rep payee for my account and now the bank think that I have defrauded them which I never did. The money was never in my hands and the bank have sent me papers in the mail saying that they put some checks on hold that was deposited into me and my mom 's account and then sent a check that this company sent to them made out to me in the amount of {$900.00} and my name is forged on the back. XXXX XXXX sent to my {$1500.00}, {$3000.00}, {$5000.00} and {$2500.00} and {$1500.00} and {$900.00} to my mom account I proof on my email of money that was sent to my bank account that was forged in my name that I never signed for. Speedy Cash needs to pay me for my hardship of having to go through this and losing my bank account and being accused of something I never did I think they need to pay me restitution and charges needs to be filed against the company.
|
| 02/24/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
INXX/XX/XXXX " PAYDAY LOANS '' IN THE STATE OF ARIZONA WERE DEEMED ILLEGAL. " SPEEDY CASH '' ( A PAYDAY LOAN COMPANY ) OPENED AND CREATED '' ILLEGAL CONTRACT '' UNDER THE STATE LAWS.
SPEEDY CASH THEN " SOLD '' ILLEGAL CONTRACT TO " AD ASTRA RECOVERY '' TO COLLECT PROCEEDS OF ILLEGALLY OPENED CONTRACT.
AD ASTRA IS NOW ATTEMPTING TO COLLECT FUNDS FROM THE " ILLEGALLY ESTABLISHED CONTRACT ''.
" SPEEDY CASH '' OR " AD ASTRA '' ARE NOT ENTITLED TO COLLECT FUNDS FROM ILLEGAL CONTRACT THAT SPEEDY CASH KNOWINGLY ESTABLISHED.
" AD ASTRA HAS NOW ENTERED THEIR ATTEMPT TO COLLECT " ILLEGAL CONTRACT MONIES '' AND HAVE PLACED A DERRAGATORY MARK ON MY CREDIT REPORT ... THUS AFFECTING MY CREDIT SCORE NEGATIVELY AND IS PRESENTING AN OBSTACLE IN MY ATTEMPT TO REPAIR/CLEAN/ESTABLISH MY CREDIT SO-AS TO BE ABLE TO GET A MORTGAGE APPROVED IN MY NAME AND BUY A HOME FOR MY WIFE AND I.
I HAVE DISPUTED ITEM WITH CREDIT BUREAU 'S, AND AD-ASTRA HAS UTILIZED TACTICS SO AS TO KEEP DISPUTED TRANSACTION ON MY CREDIT FILE ... .LIKE " REMOVING FILE FROM CTEDIT REPORT ... RAISING AND LOWERING DEBT AMOUNT BY {$1.00} ... THEN RESUBMITTING DEBT AS A " CHANGE IN BALANCE '' ON EXISTING FILE.
THE COLLECTION AMOUNT THEN SHOWS UP BACK ON MY CREDIT REPORT, WHICH I AM THEN TOLD I HAVE TO " RESUBMIT DISPUTE '' BASICALLY STARTING ME BACK AT SQUARE ONE AND DISPUTE NOT RESOLVED.
DIRTY TACTICS CREDIT BUREAUS ALLOW THEM TO GET AWAY WITH AT CONSUMERS EXPENSES.
I WANT COMPLAINT FILED ... AND THIS REMOVED FROM ALL CREDIT BUREAUS AS IN THE STATE OF ARIZONA ... THIS TYPE OF TRANSACTION IS DEEMED " PREDATORY AND ILLEGAL '' AD-ASTRA IS THE DEBT COLLECTOR RESPONSIBLE FOR CREDIT REPORT FILING AND THEY NEED TO ADDRESS AND FIX THIS ATTEMPT TO COLLECT AN ILLEGAL DEBT ON AN ILLEGAL CONTRACT.
XXXX XXXX XXXX
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
AD ASTRA REC ( Original Creditor : 12 SPEEDYCASH COM XXXX TN ) is reporting a collection to my credit report that I am not liable and that I have no knowledge of from their company.
XXXX shows open date as XX/XX/XXXX with a balance of - {$710.00}. Last reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX shows open date as XX/XX/XXXX with a balance of - {$710.00}. Last reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX shows open date as XX/XX/XXXX with a balance of {$710.00}. Last Reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit report, and I would like them to remove these accounts from my credit report immediately. They refused to remove this account, and they also failed to provide validation of this account when I inquired for validation not verification of this account.
XXXX : Date open date shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XXXX : Date open shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX : Date open shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX XXXX is reporting inaccurate information on my credit report, and I would like them to remove these accounts from my credit report immediately.
XXXX : Date open shows XX/XX/XXXX. Last reported on : XX/XX/XXXX. Date last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX : Date open shows as XX/XX/XXXX. Last reported XXXX. Date last active shows XX/XX/XXXX. Date of last payment : XX/XX/XXXX.
XXXX : Date open shows XX/XX/XXXX. Last reported on : XX/XX/XXXX.
Last date active : XX/XX/XXXX. Date of last payment : XX/XX/XXXX.
|
| 07/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
|
| 08/04/2017 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
|
|
Web |
|
|
I filed a dispute regarding transactions made on my opt plus account, which I noticed on XXXX/XXXX/17, at that time I called the automated service to cancel my card and immediately an {$8.00} replacement card fee was applied. When I looked at the transactions on XXXX/XXXX/17 it no longer stated XXXX/XXXX/17, they stated XXXX/XXXX/17, which is not what was seen originally. I faxed the dispute letter XXXX/XXXX/17 and I was told XXXX/XXXX/17 it was closed and nothing further would be done.
( Exhibit 1 ) Those transactions are in the amounts of : {$200.00} ( XXXX XXXX- XXXX TX ) * {$200.00} ( XXXX XXXX XXXX TX ) * {$83.00} ( XXXX XXXX- XXXX TX ) * My card was only out of my possession when I paid the waiter at XXXX XXXX, at the XXXX XXXX in XXXX, TX on XXXX/XXXX/17 .
The transaction with an * next to them above, also has an * on the transaction statements on the myoptplus website. This is something that has never been on any other transactions which leads me to believe it shows that something is different than normal transactions.
The last 5 transactions I made were all on XXXX/XXXX/17 and are listed below.
XXXX XXXX XXXX XXXX, TX {$100.00} XXXX XXXX XXXX XXXX, TX {$28.00} XXXX XXXX XXXX XXXX, TX {$59.00} XXXX XXXX XXXX, TX {$9.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX {$82.00} I have been an OptPlus direct deposit customer for several years and have not had any disputes. I was advised on XXXX/XXXX/17 that my dispute was closed and it is believed to be regular transactions made by me. However, I know I did not make the transactions shown above. I was told to file a police report but no one can tell me where the transactions were made, who they were made to or any other identifying information, such as a phone number. I have no information to file a police report.
|
| 02/24/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
IN 2010 " PAYDAY LOANS '' IN THE STATE OF ARIZONA WERE DEEMED ILLEGAL. " SPEEDY CASH '' ( A PAYDAY LOAN COMPANY ) OPENED AND CREATED '' ILLEGAL CONTRACT '' UNDER THE STATE LAWS.
SPEEDY CASH THEN " SOLD '' ILLEGAL CONTRACT TO " AD ASTRA RECOVERY '' TO COLLECT PROCEEDS OF ILLEGALLY OPENED CONTRACT.
AD ASTRA IS NOW ATTEMPTING TO COLLECT FUNDS FROM THE " ILLEGALLY ESTABLISHED CONTRACT ''.
" SPEEDY CASH '' OR " AD ASTRA '' ARE NOT ENTITLED TO COLLECT FUNDS FROM ILLEGAL CONTRACT THAT SPEEDY CASH KNOWINGLY ESTABLISHED.
" AD ASTRA HAS NOW ENTERED THEIR ATTEMPT TO COLLECT " ILLEGAL CONTRACT MONIES '' AND HAVE PLACED A DERRAGATORY MARK ON MY CREDIT REPORT ... THUS AFFECTING MY CREDIT SCORE NEGATIVELY AND IS PRESENTING AN OBSTACLE IN MY ATTEMPT TO REPAIR/CLEAN/ESTABLISH MY CREDIT SO-AS TO BE ABLE TO GET A MORTGAGE APPROVED IN MY NAME AND BUY A HOME FOR MY WIFE AND I.
I HAVE DISPUTED ITEM WITH CREDIT BUREAU 'S, AND AD-ASTRA HAS UTILIZED TACTICS SO AS TO KEEP DISPUTED TRANSACTION ON MY CREDIT FILE ... .LIKE " REMOVING FILE FROM CTEDIT REPORT ... RAISING AND LOWERING DEBT AMOUNT BY {$1.00} ... THEN RESUBMITTING DEBT AS A " CHANGE IN BALANCE '' ON EXISTING FILE.
THE COLLECTION AMOUNT THEN SHOWS UP BACK ON MY CREDIT REPORT, WHICH I AM THEN TOLD I HAVE TO " RESUBMIT DISPUTE '' BASICALLY STARTING ME BACK AT SQUARE ONE AND DISPUTE NOT RESOLVED.
DIRTY TACTICS CREDIT BUREAUS ALLOW THEM TO GET AWAY WITH AT CONSUMERS EXPENSES.
I WANT COMPLAINT FILED ... AND THIS REMOVED FROM ALL CREDIT BUREAUS AS IN THE STATE OF ARIZONA ... THIS TYPE OF TRANSACTION IS DEEMED " PREDATORY AND ILLEGAL '' AD-ASTRA IS THE DEBT COLLECTOR RESPONSIBLE FOR CREDIT REPORT FILING AND THEY NEED TO ADDRESS AND FIX THIS ATTEMPT TO COLLECT AN ILLEGAL DEBT ON AN ILLEGAL CONTRACT.
https : XXXX
|
| 03/04/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I filed a CFPB complaint # [ Case number : XXXX ] against Speedy Cash.
*****My requests were simple : 1 ) for them to remove the excessive, multi compounded interest and fees - especially after I was misinformed and mistreated when attempting to go end center near closing to asking for a reduced, fair payoff so that I could resolve this issue.
2 ) I tried to explain that I was a XXXX and now in extended homeless location for safekeeping and for business and personal advocacy assistance. This is the ONLY matter where I have not gotten fair treatment or response.
3 ) I want a low, fair pay off minus excessive compounded fees -especially when I have asked for a pay off in person.
4 ) Speedy Cash rather rushed and sold the file to some outfit called XXXX XXXX XXXX XXXX to avoid mailing me a simple, payoff less all those monstrous, unfair fees given my personal and now medical hardship that I attempted to verify regarding a recent very extensive and expensive XXXX. In good faith, I have tried to get help. I now need the CFPB to assist me toward a DEMAND for low affordable payoff IN WRITING from Speedy cash. I also want to combine this complaint against XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ref file # XXXX.
5 ) I am demanding that Speedy Cash retreive the file, send a low, fair, affordable, payoff IN WRITING and not by phone since they are dishonest to conclude this matter. The Speedy cash account information is in the above reference CFPB complaint # [ Case number : XXXX ] Thank you for helping consumers from the deceitful practices, mistreatment, etc of such outfits. I was and still am distressed with dealing with them and all related issues. I, with my State advocates are now working to resolve this matter. Again, thank you. XXXX XXXX XXXX Tx XXXX
|
| 10/08/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I took out a loan from a XXXX XXXX Speedy Cash store XX/XX/XXXX. I had been taking out payday loans at a different store and could not afford the payments. I figured that taking out the loan at Speedy Cash would help me pay off the other loan, but that was not the case. I borrowed {$250.00} and paid {$45.00} in fees. When I had to pay 2 weeks later, I was still in a hole and could not pay off the whole loan, so I renewed.
I fell behind on my electric bill and had to continue taking out the loan. Eventually I was behind on my rent and event my gas bill because I continued to pay the fees to renew the loan. I felt trapped because I felt like I kept falling behind and could not stop renewing the loan. At one point Speedy Cash offered me a car title loan and it was tempting, but I was already being hurt by the loans I had and could n't take a loan that would hurt me even more.
XX/XX/XXXX I XXXX and had to go on XXXX after not working for 3 months. I was more behind than ever and I had to stop paying the loans. I did n't know how to stop because Speedy Cash had access to my bank account. In a desperate attempt to stop with these loans, I visited my bank and took out all my money before closing down my bank account. I knew it was going to affect my credit, but I had no other way out.
A bit after that I began receiving calls and letters asking me to pay back what I owed. At XXXX point I even received a letter telling my I qualified for another loan, which made no sense since they were actively trying to get me to pay my previous loan. XX/XX/XXXX I owed Speedy Cash {$310.00}. Now, almost 2 years later, I continue to receive calls and letters asking for their money. The last I heard from Speedy Cash was last month, and I need help to get them to stop.
|
| 10/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
Servicemember |
|
I took an online loan out on XX/XX/21 which I was unaware when I applied for loan that you can't use a business acct for payday loans, when I arrived at the location to finish the loan, the store manager saw it was a business debit and stated that the business acct could not be used. He checked it out and realized that the acct had already been funded and he was not able to redact the loan. I told him I would make contact through 1-800 number and set up a new form of payment. When I tried to login to online account, my access was denied. I called customer service and they informed me that do to the circumstances w business account, they blocked my account and I would not be able to access it ever. I would have to make my payments in person at the local store. I explained that it was too far to drive and when they allowed me to have access to my loan, I would update payment information and we could finish doing business. They still haven't allowed this. I had money in the business acct for payroll and mortgage and out of nowhere, Speedy Cash ran my business debit for {$2100.00}. the loan was for {$1000.00}. My mortgage payment is processing and will be returned for insufficient funds and we are already at risk of going into foreclosure. They knew this was a business account and should have expected to be hurting someone financially if they are taking that much $ $ unannounced and unauthorized from a LLC Bank Account that someone might be expecting a paycheck today and wouldn't be getting it if they took the funds that were there for that purpose. They tried this once before and the payment was reversed so they knew they weren't allowed to do this. Yet they still did it anyway! This could cause us irreversible damage if our house note gets returned.
|
| 10/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
AD ASTRA has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolved, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person or company shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious.
Ad Astra Recovery Services - Account # XXXX
|
| 09/07/2019 |
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
|
|
Web |
|
|
This complaint submission is in regards to an Unauthorized Inquiry reported by SPEEDY CASH / XXXX XXXX XXXX. I have made attempts to rectify this matter with them directly as they have now been unresponsive. I do not have any revolving accounts with them or any loans. SPEEDY CASH / XXXX XXXX XXXX is currently in violation of the Fair Credit Reporting Act, 15 USC 1681. I spoke with a Supervisor in the CUSTOMER RELATIONS & ACCOUNT SPECIALIST DEPARTMENTS by the name of XXXX ID # : XXXX. It was extremely difficult to obtain any information from her, as she was extremely rude over the phone. I then obtained their Fax and Mailing address to forward them an Inquiry Validation letter. The Supervisor XXXX stated to send everything over and they will fax all correspondents to the number provided. A fax confirmation was received on both ends and I still haven't received a response. It was confirmed through my fax machine that the Department had received the files ; however still no correspondents. I specifically asked for proof of me agreeing with a signature or judgment by law stating I gave my legal consent to conduct any credit inquiry. I have never made any agreement with them nor plan to in the future due to the poor service I received to rectify this matter. I am requesting SPEEDY CASH / XXXX XXXX XXXX immediately remove me from their systems, remove the Hard Inquiry on me, and update all 3 major Credit Bureaus ( XXXX, XXXX, & XXXX ) on this action. At this point they have failed to provide any competent evidence or any legal obligation. Once again, SPEEDY CASH / XXXX XXXX XXXX is currently in violation of the Fair Credit Reporting Act, 15 USC 1681, and if this report is not updated immediately I will be taking legal actions.
|
| 04/27/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This Speedy Cash Loan Was Supposedly To Have Been Granted On XXXX, 2021 For {$1400.00}, Account # XXXX. I am Completely unaware of any of this. I never recieved any loan and what current information that i do have about this account came from The collection agency Adstra following an update from my credit report which made aware of the fraudulent loan/ activity Concerning This Fraudulent loan and account with Speedy Cash. I Contacted Speedy Cash To Inform Them That This Was An Result Of Fraudulent Activity. Thier Response Was Very Unprofessional In Means To handling My Complaint Stating That They Tried To Contact Me Concerning The Account And were Not able To Contact Me, I Clearly Stated Of Course You Wouldnt Be Able To Contact Me If Its A Fraud, Explaining To Them The Current Matters Revolving The Fraudulent Account And Going Over The Fraudulent Account With Them Showing Them That The Phone Nummber That Is On The Account Doesnt Belong To me, Neither Does The Email address On The Account Belong To Me, Nor Does The Mailing Address Belong To me. My Primary & Current Residence Has Never Changed, The Current Email Address That I Am Using Now Has Never Changed, Nor Has My Phone Number Ever Been Anything Other Than The Phone Number I Currently Have To This Day. I Have Never Recieved Any KInd Of Mail Or Documentation Through Via Email, Phone, Nor Home Address Concerning Anything With Speedy Cash NOr Have I Ever Had Any Dealings With Speedy Cash, Let Along Ever Had A Loan Or Needed One. I Dont Even Have A Login Or Account With Speedy Cash Via My Phone Number, Email, Or Home Address. Down Below I Have Provided My Identity Theft Report To Show Proof That This Is Fraudulent Activity Conerning This Account # XXXX With Speedy Cash.
|
| 04/27/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This Speedy Cash Loan Was Supposedly To Have Been Granted On XX/XX/XXXX For {$1400.00}, Account # XXXX. I am Completely unaware of any of this. I never recieved any loan and what current information that i do have about this account came from The collection agency Adstra following an update from my credit report which made aware of the fraudulent loan/ activity Concerning This Fraudulent loan and account with Speedy Cash. I Contacted Speedy Cash To Inform Them That This Was An Result Of Fraudulent Activity. Thier Response Was Very Unprofessional In Means To handling My Complaint Stating That They Tried To Contact Me Concerning The Account And were Not able To Contact Me, I Clearly Stated Of Course You Wouldnt Be Able To Contact Me If Its A Fraud, Explaining To Them The Current Matters Revolving The Fraudulent Account And Going Over The Fraudulent Account With Them Showing Them That The Phone Nummber That Is On The Account Doesnt Belong To me, Neither Does The Email address On The Account Belong To Me, Nor Does The Mailing Address Belong To me. My Primary & Current Residence Has Never Changed, The Current Email Address That I Am Using Now Has Never Changed, Nor Has My Phone Number Ever Been Anything Other Than The Phone Number I Currently Have To This Day. I Have Never Recieved Any KInd Of Mail Or Documentation Through Via Email, Phone, Nor Home Address Concerning Anything With Speedy Cash NOr Have I Ever Had Any Dealings With Speedy Cash, Let Along Ever Had A Loan Or Needed One. I Dont Even Have A Login Or Account With Speedy Cash Via My Phone Number, Email, Or Home Address. Down Below I Have Provided My Identity Theft Report To Show Proof That This Is Fraudulent Activity Conerning This Account # XXXX With Speedy Cash.
|
| 06/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The credit Bureaus never did a proper " Investigation '' According to the FCRA.
The term Investigative consumer report " means a consumer report or portion thereof in which information on a consumer 's character general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
They did not do this Also, they have VIOLATED MY RIGHTS EVEN MORE In accordance with the FCR Everything has to be 100 % accurate on my credit report.
The credit Breaus stated my accounts was properly verified by FCRA method they take, but how is that possible if the OPEN DATE, BALANCE, HIGH CREDIT LIMIT, CREDIT LIMIT, DATE LAST REPORTED, DATE LAST ACTIVE.
The credit Bureaus never did a proper " Investigation '' According to the FCRA.
The term Investigative consumer report " means a consumer report or portion thereof in which information on a consumer 's character general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
They did not do this Also, they have VIOLATED MY RIGHTS EVEN MORE In accordance with the FCR Everything has to be 100 % accurate on my credit report.
The credit Breaus stated my accounts was properly verified by FCRA method they take, but how is that possible if the OPEN DATE, BALANCE, HIGH CREDIT LIMIT, CREDIT LIMIT, DATE LAST REPORTED, DATE LAST ACTIVE.
Account AD Astra Recovery Service
|
| 09/25/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
ALLOW ME TO BE CLEAR. I FILED A COMPLAINT WITH THE FCC. WHO SENT ME TO THE FTC. I FILED A COMPLAINT WITH THE FTC WHO HAVE NOW SENT ME TO CFPB. I CAN NOT FIND ANY AGENCY THAT ACCEPTS RESPONSIBILITY FOR THE LAWS THAT HAVE BEEN BROKEN. YET EVERYONE CONTINUES TO GET PAID JUST TO GATHER INFORMATION TO BE PUT IN A DATA BASE. THE COMPANY : SPEEDY CASH/RAPID CASH CURO HAS CALLED ME A TOTAL OF 76 TIMES. I ASKED THEM TO STOP CALLING ME ON XX/XX/2020 AND THEY CALLED 32 ADDITIONAL TIME AFTER THAT DATE. I ALSO FILED A COMPLAINT WITH THE XXXX XXXX XXXX. I HAVE NEVER HEARd OF THIS COMPANY. HAVE NEVER DONE ANY SORT OF BUSINESS WITH THIS COMPANY. NEVER OBTAINED ANY SORT OF LOAN WITH THIS COMPANY. THEY NOW SAY THAT THEY CONTINUED TO CALL ME BECAUSE THEY THOUGHT THAT I WAS RELATED TO ONE OF THEIR CUSTOMERS THAT OWE THEM MONEY. WHAT ARE THEY LOAN SHARKS. XXXX? ALSO I WAS PROVIDED A COPY OF A LOAN AGREEMENT WHERE THEY REDACTED THE CUSTOMERS NAME AND LOAN NUMBER. I ALSO HAVE A DETAILED INCOMING PHONE CALL REPORT FROM MY TELEPHONE CARRIER CARRIER THAT SHOWS ALL INCOMING CALLS WERE FROM SPEEDY CASH/RAPID CASH CURO. ALL OF THIS BREAKS EVERY LAW THERE IS. TELECOMMUNICATION. PEACE. FAIR DEBT. ( I HAVE NOW NOR NEVER HAD ANY DEBT WITH THEM ) HARASSMENT ) I WANT SOMETHING DONE IMMEDIATELY. AND WITH OUT FAIL. I WANT TO BE CONTACTED. AND WHAT EVER INFORMATION IS NEEDED TO SUPPORT THIS COMPLAINT, PLEASE REQUEST IT FROM ME IMMEDIATELY. AS THIS IS JUST A SUMMARY OF THE ACTIONS OF THIS COMPANY. THEY CALLED ME 76 TIMES. AND A CUSTOMER SERVICE REPRESENTATIVE TOLD ME THAT I WOULD HAVE TO PROVE THAT I WAS NOT A CUSTOMER OF THEIRS FOR THEM TO STOP CALLING ME. ( XXXX XXXX ) WHEN I TOLD HER THEY WERE BREAKING THE LAW SHE THEN SAID : " WE KNOW THE LAW ''
|
| 04/28/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I borrowed {$500.00} initially as a cash advance. The loan documents provided at the time stated that I was to make XXXX payments of roughly {$120.00}. After all XXXX payments were made, I received a phone voicemail from customer service explaining that my account was currently in default and that I was overdue on a payment. I logged into my account online so that I could view my account 's status and noticed that it listed my account as in default. I immediately attempted to access the loan contract which I electronically signed through the website, but noticed that the documents were no longer available. I have previously accessed this loan agreement before.
After seeing this default status, I made sure to check my bank account statement to verify that my final payment went through ; the charges were listed correctly on my bank statement.
I immediately called customer service, and was immediately prompted by the representative on the phone that they were looking to acquire a payment for the defaulted account. I had explained my situation and then was put on hold for upwards of XXXX minutes. The representative returned to the line and told me that after physically looking at my account, all XXXX agreed payments had been made. She instructed me to call in XXXX days and that an accountant would have an answer for the system error on my account.
I have n't been charged any excess monies, but my concern is that had I not known or not received a phone call, my credit would tank. I hate that I had to take this loan out in the first place, and can now feel for victims of these cash advance loans. They 're flooded with sketchy activity and high interest rates to dig their clients into a financial hole.
|
| 10/30/2018 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
These individuals continue to contact me via email and threatening to contact my employer and I have no idea who they are. Please see below : This Proceeding issued on you Docket No : - XXXX with one of SPEEDY CASH LOAN. The Company in order to notify you that after making calls to you on your phone number we were not able to get hold of you so the accounts department of Speedy Cash Loan has decided to mark this case as a flat refusal and press legal charges against you.
Now its high time if you failed to respond in next 12 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your debt with XXXX XXXX. At this point you have made your intentions clear and have left us no choice but to protect our interest in this matter.
The above invoice for {$780.00} has recently become overdue for payment. As such, we would appreciate you making this payment as soon as possible.
Settlement Options/Outside Of Court Settlement ( O.O.C.S ) : ( 1 ) Offer in compromise : {$680.00} ( Submit today to close the debt without interests ) ( 2 ) Payment of {$780.00} due has to be paid in full by installments or offer in compromise {$780.00} Today to close the debt.
NOTE : IF YOU WANT TO RESOLVE THIS CASE OUTSIDE OF COURT THEN REPLY OUR SETTLEMENT DEPARTMENT ON : mailto : XXXX XXXX
|
| 05/19/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
I got a payday loan back in XX/XX/XXXX one was on XX/XX/XXXX for {$300.00} then again a day later on XX/XX/XXXX for {$300.00} and then another one on XX/XX/XXXX for about {$250.00} one only on the first one I used to be sent to my checking account and the rest I picked up and each loan had my checking account from XXXX XXXX XXXX on file which was also the one that had been direct deposited in so it was the card I authorized to run to pay back. Well there was no way I could pay those back and made a poor discion and the fact that it's legal is beyonf me. They probably ran my debit card 25 different times and some occasions they got money and the rest been insufficient. I have gotten collections letters numerous times. On XXXX XX/XX/XXXX they some how got my other checking account information and it said it was debit card that was charged. They ran it 3 different times for {$350.00}, {$350.00} and {$330.00}. where they got the amounts in do not know and how they got my card information I do not know but when I logged in my account they had multiple cards on file when I've only gave them one. They took over 1,000 of my unemployment money that I have been waiting almost 2 months for. I was gon na use it to try and catch up my already behind rent. I never authorized them to use that card and they shouldn't have to right to just run it 8 months later. And give no warning or receipt or even answer me. Company 's always just XXXX me over left and right basically Rob me so I know it's along shot for anyone to help me. I'm just sick and tired of businesses making me feel so helpless because they always win. Banks can take and hold your money whenever they want and never help you and it's just okay
|
| 10/25/2021 |
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
|
|
Web |
|
|
I have been repeatedly disputing an item on my credit report. I have submitted the bank statements and other information supporting my claim, yet it keeps getting dismissed and am told to contact the company at such and such number. Both phone numbers listed to call are not in service. I asked the credit bureau how this is investigated and was told that they only ask the company that is reporting the information. That cant be correct, is it? In that case, speedy cash owes me a XXXX dollars. On XX/XX/2021 I took out a loan for {$500.00} I paid and have bank statements tha i paid : - {$78.00} on XX/XX/2021 - {$79.00} on XX/XX/2021 - {$79.00} on XX/XX/2021 - {$65.00} on XX/XX/2021 - {$91.00} on XX/XX/2021 on XX/XX/2021 they put on my credit report that my account was not in good standing and that i was 30 days past due. this dropped my credit score XXXX points. they refuse to fix this mistake. i have recorded phone conversations with a speedy cash rep saying that i have not done anything wrong and my things are paid. I should state also that due to covid i lost my job and called them right away for this not to affect my credit. on XX/XX/2021 I entered a payment arrangement only for the reason of keeping this off my credit. On XX/XX/2021 the defaulted my loan. I have disputed it with the credit bureaus and no luck. I believe that Speedy cash is giving bad information and even the contact information they provide the credit bureau for me to contact is not right. Both phone numbers they provide no not work. Also, after all of those payment plus 2 more since, they still state i owe {$500.00}, my loan was only for {$500.00}. Not sure what math or interest rate they have but it doesnt add up to me
|
| 08/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Ad Astra Recovery Services , Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
|
| 07/28/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2020 at XXXX, I had a missed call from this company. Knowingly aware that none of my creditors could call me I returned the call at XXXX, the person who answered ask me verify my identity and I told the person on the phone I don't know who you are so you will need to send something in writing via email or mail. I advised you should not be calling me due to being protected by the Chapter XXXX " automatic stay '' that was filed and that all creditors had already received notification. After stating that information, I disconnected the call. On XX/XX/2020, I received a notification from XXXX, XXXX and XXXX that a collection account was added to my file for {$1300.00}. Not only did you not confirm my identity or you ability to contact me based off of our conversation, you were sold a debt that is protected by the Bankruptcy Code in which you violated by contacting me. The appropriate action that XXXX XXXX should have taken was to reach out to the creditor to verify based off the brief conversation. On XX/XX/2020, I received yet another notification from the credit bureaus that you increased the amount to {$1300.00}. My first question is why did you not validate the debit allowing 30 days for a response before adding to someones credit report? Why and how did you increase the amount?
Do not blame COVID-19! I have disputed it through all three bureaus and your company stated that information is correct when it is not! I have attached screenshots confirming the timeline.
As of XX/XX/2020, I have yet to receive anything via email or mail from XXXX XXXX to validate the debt. I demand this collection account be removed from my file through all three credit bureaus immediately.
|
| 06/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This company has falsely coerce me into the store location when I confront it the manager about the misinformation I was given to come into the store I immediately asked for all of my paperwork and so forth to be headed back to me I ask for the credit application to be returned back since I was told that without me having the the misinformation I was given to come into the store I immediately asked for all of my paperwork and so forth to be headed back to me I ask for the credit application to be returned back since I was told that without me having the bank account information they can not process my application or accepted the manager then did not give me back the application and was very disrespectful and had security escort me out of their place of business that security officer make several demeaning disrespectful comments to me he I feel even put my life in danger by holding his hand on his firearm to the point where the only defense I had was the safety within my car and trying to be escalated argument that continued on with him outside of the store where he was taunting me to try to get me to hit him with my car while he was holding his hand on his XXXX and unstrap the holster this company has had a history of misleading customers by lying to them is for what credit reports were actually being ran or not ran as well as items to bring into the store the fact that this was regarding a place of business that lied and manipulated information to get me to fill out a false application regarding my credit for a title loan is why I'm reporting this matter along with the XXXX XXXX used by the store employee and a customer service by the unprofessional untrained manager
|
| 01/04/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
Servicemember |
|
I took out a loan with Speedy Cash. I was paying the loan when my mother had a XXXX and I had to contact Speedy Cash in reference to me leaving town for two weeks. Per Speedy Cash, they will put the loan on hold and once I return to make up the payments. After returning home two weeks later I learned Speedy Cash sent multiply payment through my checking account causing serious problems I had to clear up. I asked Speedy Cash how much was left on my loan so I could complete my payments. I then learn none of my payments was going towards my loan as informed. After calling numerous times to clear this matter Speed Cash has now placed this derogatory information on my credit report.
Speedy cash then referred me to XXXX XXXX XXXX XXXX. Ive contacted this company and informed them of the problem I had with Speedy Cash in repaying my balance. XXXX XXXX XXXX stated, oh well I would have to pay what Speedy Cash have listed or contact them again. When I tried calling Speed Cash, they inform me I must speak to XXXX XXXX XXXX to settle the payment. Ive tried over and over again contacting both companies but the representatives are so unprofessional and rude they refuse to get me to management.
Now Im getting calls at my place of business several times a day, in which I asked them to stop. The representative stated until I pay the loan they will continue calling me. They call my job stating the police will come to my place of employment to arrest me. They call my friends and family and tell them unless I call XXXX XXXX within 48 I will be arrested. When I inform them I would file a complaint against them they stated go ahead they going to get me arrested anyway for theft.
|
| 01/31/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
I obtained a payday loan from Speedy Cash on XX/XX/XXXX for $XXXXThey were to be paid in full as of XX/XX/XXXXThey were to be paid biweekly $XXXX until XX/XX/XXXX from XX/XX/XXXXThe first payment was successful in the automatic draft starting XX/XX/XXXXThe second payment was scheduled to go through on XX/XX/XXXX and I was short $10-$20 for it and the bank hit me with the NSF of $XXXX and then speedy cash changed the payment to $XXXXI had recieved my paycheck and made an independent payment of $XXXX on XX/XX/XXXX to cover a portion of my payment and some of what was still owed, however the payment processed and speedy cash still drafted automatically the payment of $XXXX which hit my account with another NSF as they had just been paid.They sent me to collections of which I explained they were paid on XX/XX/XXXX and they advised me to send in a bank statement even though they could see this payment and they were to follow up However they did not follow up and they drafted my account automatically for $XXXX - they were to be paid back in total almost $1000 and now a $XXXX loan cost me more than $1500on another occasion it was an emergency to do another payday loan while I was disputing this current one and while I have documentation stating the loan was paid in full I asked the rep behind the counter if this would be sufficient to show paid in full as they were paid cash and the rep said there would be no drafts from the account and again they drafted $XXXX from my account.In total the payments they received total more than ever loaned and ever quoted to be paid back by more than $600as of now they are stating that I owe almost $700 - for what? a loan - not again
|
| 12/01/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
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|
Last month I spoke to a representative from the ( Speedy Cash ) company and was told that I missed a payment and that it needed to be paid and so not only did I do that I also explain to the representative that I wanted to opt for automatic payments so she set everything up for me the call was pleasant and we hung up, not once in that conversation was I told about any behind payments nor was I informed about my car being on a repo list my car is paid for theres no way I would ever have someone take my car from me for XXXX XXXX dollars or XXXX XXXX dollars its my only means of transportation for me and my family and as of this morning my car was taking I called the police because I thought it was stolen from me without notice of any kind it was repoed.I spoke to a lady in theyre recovery department to try and resolve the issues and she tells me that all these fees need to be paid before retrieving my car and this is where the problem lies, I am willing to pay obviously what I owe but I dont feel that I should be responsible to pay other fees that are associated with theyre laws if I didnt know the status of my car theyre saying they attempted three times by mail I dont have one correspondence from them out of three attempts I at least should have gotten one of them an or a email or something and I didnt the last email I got was from a successful payment on XXXX/XXXX/2017 they could of called me anything but nothing. No one ever reached out to retrieve the initial payments because I could have resolved it and I feel like this is and attempted to get monies from people without purpose but I just dont have it to give please help me out. Sincerely Angry Consumer
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| 11/21/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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I went into the store on Friday, XX/XX/XXXX and informed the manager that I would not be able to make the proper payments for my loans and needed to set up a payment. She said that the store does not allow payment plans unless in default of your loan. I asked how long that takes and she said I would have to wait no less than 30 days after the day of my first missed payment in order be considered in default status of my loan. She said she turned off automatic payments for my loans and to call customer service to follow up with setting up payments. On Saturday, XX/XX/XXXX I spoke with Customer Service and confirmed that automatic payments were no longer being authorized, which was on a recorded line. I told them that I come into the store to make a partial payment of {$25.00}. They told me that collection calls will continue. They attempt money from one of my bank accounts without my consent, which is clearly an FDCPA violation and breaking anti-trust laws. If they continue to break the law and violate such regulations I will be forced to take this to proper authorities and file sanctions against this company. It is always breaking the law when charging a persons account without their consent. If they want this debt to eventually be settled, then will stop attempting to charge my account without my consent. I still have yet to speak with any district level management or regional management to settle this dispute in very diplomatic way, but to no avail. I do not wish or have any intentions to taint or tarnish this companies name in any way, shape, or form. However, I am only trying to set up a form of payment schedule to pay my debt off as fast as possible.
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| 02/24/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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XXXX XXXX XXXX XXXX XXXX has consistently falsely reported inaccurate information to the Credit Bureaus about amounts owed to them. They stated that I owed them {$4100.00} which is incorrect, I do not owe them anything. I explained to them that I was currently in a lawsuit with Speed Cash XXXX for them violating my rights and withdrawing funds out of my Checking account without my authorization.
XXXX XXXX XXXX XXXX XXXX told me that as long as I pay them {$2400.00}, they would immediately remove the inquiry by reporting to the credit bureaus immediately after payment was received. They coerce me into paying them {$2400.00} on the same day. I called them back two days later and they told me they will wait to update the information. After one week I called them again and they told me that I owed still owe them money and this is a collection to collect a debt.
XXXX XXXX XXXX XXXX XXXX lied to me and took my money out of my account. See attached letter from them. They are refusing to update the correct information to the credit bureaus. I spoke with four representatives at XXXX XXXX XXXX XXXX XXXX. I fist spoke with XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ) and a supervisor XXXX ( XXXX ), XXXX even stated that she would call the credit bureaus and updated the immediately and giving me an AUD # XXXX. This was all a lie just to take my money in which the took from my bank account on XX/XX/2020.
Expand XX/XX/20 PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX KS XXXX CARD XXXX {$2400.00} I would like XXXX XXXX XXXX XXXX XXXX 2 immediately do the right thing by contacting each of the credit bureaus and telling them to report the accurate information
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| 07/31/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
On XX/XX/2020, I went into debt consolidation with XXXX XXXX and Speedy Cash was listed as one of my creditors. Shortly after XX/XX/XXXX, Speedy Cash received a stop payment notification from the XXXX XXXX. My payments had stopped until today.
Today, I had 5 withdrawals of {$74.00} and a pending withdrawal of another {$74.00} totaling {$440.00}.
I contacted Speedy Cash twice by email and never received a response. So, I called them and spoke to a guy by the name XXXX ( if that was his real name ) to which he was being rude and kept telling me that they had never heard of XXXX XXXX that they had no record of any communication of a debt consolidator on my behalf. I argued how Speedy Cash would have known to do a stop payment if XXXX XXXX didn't contact them because I never requested this directly with Speedy Cash as I was instructed by XXXX XXXX to allow them to set everything up. He kept talking over me and telling me that they were authorized to make these withdrawals.
I was then transferred to a manager, who did absolutely nothing but transfer me to a number that went to a voicemail.
To argue that I was wrong that I had told them I was going into debt consolidation and that when they never heard back from XXXX XXXX ( the very group that XXXX stated that Speedy Cash never knew about ), they took it upon themselves to remove the stop payment and make the consecutive withdrawals. When I spoke to the manager, he stated that they had never reached out to XXXX XXXX regarding any settlements, but complained that XXXX XXXX had not reached out to them with a settlement offer.
I don't understand how this negates a legal stop order of withdrawal.
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| 11/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I sent a checklist via US certified mail requesting ALL of the following information to validate the collection account. The letter was received by their office on XX/XX/XXXX at XXXX XXXX 9 items were requested and only 2 items were provided.
My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from.
Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.
The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe.
Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt.
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.
Proof that this debt has not been written off as a tax liability.
Any other intimate knowledge of the creation of the debt by you, the collection agency.
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| 12/04/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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Speedy Cash and XXXX XXXX THEY both used XXXX. Speedy cash, I found out today that I don't have an account with, told me I owe XXXX with them. And if I don't pay they were going to have my account sent to court and there would be an warrant out for my arrest. They also stated : The charges with Speedy Cash Inc., pressed on you are 1 ) Violation of Federal Banking Regulation 2 ) Breach of contract with loan the company 3 ) Theft by Deception And also : Finally, this case is going to be downloaded in your State County Court and your Local County Sheriff department tomorrow at XXXX XXXX as per your State Standard Time and after then you will be forced to resolve this case legally by facing all the legal problems and spending money on your attorney as fees, case execution charges, legal penalties, bail charges, paper development charges on the top of the due amount that you owe from your creditor that is {$2400.00} You can apply for an Offer In Compromise ( OIC ) And May Choose Payment Arrangement Options Mention Below : i ) You can clear this debt by paying {$1500.00} TODAY Deducing Daily Interest as ( OIC ) Offer in Compromise ii ) You can submit the Settlement Balance of {$2400.00} in payments ( {$610.00} x 4 installments starting from TODAY, to hold the WARRANT ) They also said it was going to lessen my credit by almost XXXX points. I think XXXX to be exact. I have resolved these issues by myself. I did send {$300.00} to Speedy cash a few days ago to hold the case and plus I was scared. But when XXXX XXXX emailed me from there XXXX thtas when he didn't address my name or anything he kept saying me is my name or my email. Which is not my name.
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| 01/29/2016 |
Yes |
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- Received a loan I didn't apply for
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Web |
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See below : I would like to register a formal compliant with your organization for allowing my personal and financial information to be used by an unauthorized person. While you all approved an application in the amount of {$750.00} in XXXX XXXX, 2015, as told to me by XXXX of your associates in the fraud department, out of sheer luck the account was never funded. Having already disputed the original inquiry on my credit bureau file, only to have XXXX tell me you all have to remove the inquiry because you all claim it is legitimate. Now I find out that you want me to fill out an FTC form, file a police report and then possibly you might correct this huge mistake. So not only was I a victim of fraud, you all victimize me again, because you provide more protection to the criminal then you did to me ... your response to me for not releasing the information on the application that was submitted was for the privacy of the individual who submitted the application ( the criminal using my personal information ) on XXXX XXXX. Which again you approved then did n't fund because you found some irregularities ... even with all of that you did n't feel the need to notify me of this fraud. I find it unbelievable that as a victim of fraud with your organization that you would continue to perpetuate this fraud by not bringing this to my attention and then not bringing in Law enforcement after you all recognized the fraud and yet you continue to protect this criminal even after I brought this information up again when you already knew it existed. I wonder if your goal here is to allow this type of behavior to continue as long as no one says anything.
XXXX XXXX
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| 08/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
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|
Web |
Older American |
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I asked them to delete me from their records. This is the email answer I received. Why can't they delete me in my entirety from their information. I haven't had anything to do with loans for over 3 years. I don't remember ever having anything with Speedy Cash. I have been a victim of ID theft and do not want my information out there.
RE : Inbox x Speedy Cash Tue, XX/XX/XXXX, XXXX XXXX ( 11 days ago ) to me Dear XXXX XXXX XXXX, Thank you for contacting us. Unfortunately, we are unable to honor your request to delete your account information as we are legally required to keep your information on file. Note that you will only receive future communications from Speedy Cash that are legally mandated.
Thank you for choosing Speedy Cash.
Sincerely, Customer Service Phone : XXXX Fax : XXXX Email : XXXX From : Sent : XX/XX/2020 XXXXXXXX XXXX XXXX To : XXXX Subject : Delete me from your system. Unscribe.
XXXX XXXX XXXX This email was sent to XXXX This email was sent by Speedy Cash XXXX XXXX XXXX XXXX, KS XXXX XXXX Speedy Cash. All Rights Reserved. This email was delivered by Speedy Cash as a confirmation of your account activity.
We respect your right to privacy - view our privacy policy Update Preferences | View in Browser This email message contains information from Speedy Cash and is confidential. The included information is intended only for the use of the individual or entity named above. If you are not the intended recipient, be aware that any disclosure, copying, distribution, or use of the contents of this message is prohibited. If you received this email in error, please notify us immediately by telephone at XXXX or email at XXXX.
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| 04/22/2021 |
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
- Problem with personal statement of dispute
|
|
Web |
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My vehicle was vandalized, my insurance company started working on the claim, and then suddenly I lost all contact with them, I wasnt getting any response from them for weeks, the next thing I hear is that my car is repossessed and that the insurance claim is denied. I am notified that it is my responsibility to bring my insurance company information or evidence proving the guilt of someone other than myself in order for them to go forward with the claim ... the police tell me to stay away from the person who did the vandalism due to a history of violently attacking my property and the assault arrest he had on him due to breaking into my house and attacking me. But I get notified that my finance company is now brought the balance to collections and it is ruining my credit, I am homeless already and can not afford to pay for something I did not do. So I go investigate the matter, I go back to the apartment complex and I go door to door asking everyone if they remember seeing anything, I find a witness who remembers everything perfectly and I tell my insurance company FINALLY I found the evidence that they so relentlessly needed, and after months of being told I need to do something in order for my insurance to take action and then accomplishing that task only to be told I need to do more, to finally find enough evidence, bring it to them, and now have them tell me, that even though I was insured by them at the time of the vandalism, because the vehicle is now repossessed and in the possession of the Lien holder I do not have the right to file a claim and it would be the responsibility of the lien holder to file a claim if they so chose.
|
| 11/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
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My name is XXXX XXXX and on XX/XX/XXXX I borrowed {$5000.00} from SpeedyCash Payday Loans due to unexpected financial hardship. The agreement had a pre-determined scheduled payments of {$260.00} starting in XX/XX/XXXX and ending in XX/XX/XXXX. They automatically deduct {$260.00} from my bank account every other Friday. I have been paying every payment on time and on XX/XX/XXXX I manually paid an additional {$300.00} via Speedycash website www.SpeedyCash.com to at least reduce the never-moving balance. SpeedyCash was scheduled to deduct the {$260.00} payment on Friday XX/XX/XXXX but today is Wed XX/XX/XXXX and SpeedyCash still have not deducted the payment from my bank and the 130.460 % interest rate is being compounded daily. I believe they are retaliating because I made additional payment. I am a victim of gauging and usury. I have every intention to pay off this loan but SpeedyCash does not provide payment/balance history and I have no idea what my balance is. They only provide " payoff '' balance and when I requested balance inquiry in the past they provided me with a copy of the same payment schedule. I have no clue where I stand and they are charging me 130.460 % interest rate DAILY. The {$300.00} additional payment was deducted from my bank but not the {$260.00} regular payment deduction on Fri XX/XX/XXXX. This company is gauging me thru usury by not applying my payment - therefore, I am filing this complaint. I would like to be compensated for ALL the days my payment was not applied on Fridays ( following Mondays instead ) which added much more interest to the principal balance. I am tired of them gauging me. PLEASE HELP!!!
|
| 06/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
These Accounts : ( 1. ) XXXX XXXX XXXX XXXX XXXX ( 2. ) XXXX XXXX XXXX XXXX XXXX XXXX ( 3. ) XXXX XXXX XXXX XXXX XXXX ( 4. ) XXXX XXXX XXXX ( 5. ) XXXX XXXX XXXX XXXX BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( EXPERIAN, EQUIFAX, OR TRANSUNION ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
|
| 01/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am aware that my SSN belongs to the ( XXXX XXXX Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( FIRST HERITAGE CREDIT ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733.
FIRST HERITAGE CREDITis also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( FIRST HERITAGE CREDIT ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A.
This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by FIRST HERITAGE CREDIT for the account opened XX/XX/2016 with account number XXXX.
Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( FIRST HERITAGE CREDIT ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud.
If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
|
| 01/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
Servicemember |
|
Speedy Cash of XXXX XXXX and XXXX in XXXX Arizona is Doling out title loans against vehicles in direct violation of Arizona statute not only this but Arizona allows the extortion according to the Department of Motor Vehicles and will not release the title unless the Creditor releases the note thereby co-conspiring against service members- retirees Etc and this includes people in the XXXX XXXX XXXX of which I was in XXXX. This XXXX I have my full retirement orders. this company watch to play the same game since the credit bureau they push three buttons on a computer they claim they have no working knowledge of any data and that I have handed them a lie which I have not been papers are official from XXXX Tennessee to XXXX XXXX personnel office in response to the XXXX XXXX XXXX XXXX three secretaries ago under direction of President Obama and the Bureau for correction of Naval records these documents could not be more official.
This company will not listen to reason they do not care for the truth and they continue to extort service members that more than 300 % interest I asked them to cap it at 30 % and they absolutely refused. I keep trying to send me back to their team of lawyers even though they're in direct violation of Congress at this moment because Congress is passing laws to stop this predatory lending.
The local sheriff 's are in on this and want me to go talk to a lawyer at XXXX to {$750.00} an hour. i can not afford an attorney. I could not afford one to defend my military rites in XXXX what makes anybody think I can afford one now and at this point with the defense department at the XXXX XXXX XXXX.
|
| 02/15/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
I applied for a payday loan with this lender as I have used them in the past few months and have always paid them what I owed them. For the month of XX/XX/XXXX they funded my account in the amount of {$250.00} on XX/XX/XXXX and I had taken a loan from my 401k to pay off my loans and the check was deposited to my account so I didn't notice that Speedy Cash debited my account 2 days later in the amount of {$300.00} but I did notice it about 5 days later. Since I no longer needed the funds I did not call Speedy cash to ask why they debited my account and assumed that I may have entered the incorrect due date so I let them take their funds and considered them paid in full on approximately XX/XX/XXXX or XX/XX/XXXX I received an email from them stating that my loan was due on XX/XX/XXXX. Immediately called them and the representative I spoke with told me that since a bank statement wouldn't be available yet screen prints directly from my online accounts would be sufficient. I received no response to my email. I sent it again a few days later, no response. I send it today as a word document and receive an email saying a word document is unacceptable to send it in PDF format. I send it in PDF format, I receive another email that my PDF is insufficient and that a screenshot I was told would be sufficient is not. Now a full bank statement with my account number showing, which shows all of my bank transactions are needed. Every single time I send something they come back requesting something more. I have sent them an email in writing revoking my authorization for them to debit my account any further as I owe them no funds.
|
| 01/05/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I entered an agreement to pay XXXX monthly towards my debt until XX/XX/XXXX.
On XX/XX/XXXX the agreement expired and would need to be re-negotiated. Because of personal heath issues ( my husband had a work injury / my son had XXXX ), I didn't not remember to contact the collection company NOR did they try and contact me by phone or mail until XX/XX/2021 when they reported to the credit bureaus.
When I learned of this issue I immediately called the collection to remedy the situation - work out a payment plan and have account removed from my credit. The only way they would remove it is if I submitted payment. My debt is XXXX and will address the payment accordingly.
my issue is that Astro Recovery didn't try to contact me prior to sending my account to credit reporting agency and given my husband illness / my sons illness and my work, it was not in mind. Had this company done there job, I would have reached a solution prior to reporting the account to credit bureaus.
Please note that Ad Astro Recovery has a history of not contacting the affected at least in my case - i was the one trying to reach them. Since i didnt want this to be submitted to credit bureaus.
this action caused by credit score to drop by 75 points and can potentially affect my future employment.
i would like this company to remove the account from the credit reporting in lieu of a reasonable payment agreement. Ad Astro Rec would only agree to remove from credit of payment in full for an agreed amount. best settlement given was XXXX and 3mths to pay. I consider this to be super unreasonable considering the current personal situation.
|
| 04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This collection agency keeps disregarding the laws. I have sent letters asking them to provide the original signed documents ( by me ) proving the debt is mine and have not received a response or proof. Ive shown them multiple times how they are violating the Fair Credit Reporting Act. This is holding me back from purchasing a home for my family.
According to 15 USC 1681i ( 5 ), the credit bureaus must modify or delete accounts that are not reporting accurately.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
I can go on and on and on!
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
On XXXX AD ASTRA RECOVERY SERVICES XXXX XXXX XXXX has violated my rights.
This collection agency has no respect for the laws. Someone needs to hold them accountable for this.
|
| 10/04/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Over a year ago I took out a payday loan from Speedy Cash, which was the start of an onslaught of predatory lending from several other payday loan lenders. I was in a Financial crisis because at the time my girlfriend was battling XXXX XXXX, and she has XXXX children that she was unable to take care if as well as herself. I was the only one that could so my work hours were drastically reduced and I was left with only the choice of payday loans that Left my finances paralyzed and in a state of paralysis. It didnt matter if I paid the balance down every paycheck because Speedy Cash would charge a finance fee that was the same amount as my bi-weekly payment. I was drowning and I could find no relief. Eventually I had to change banks because my bank had become so overdrawn I couldnt even afford to drive to work an hour away. I paid what I borrowed in excess and pleaded with Speedy Cash to accept that as payment in full but suffice to say my pleas were unheard and sent to collection. I have spoken with the debt collector Ad Astra they call me consistently and threaten me with police charges but I am no better financially than I was a year ago, I was furloughed from work since XXXX and XXXX am only now being allowed back to work. Luckily my girlfriend has made a full recovery but had to undergo major XXXX which will leave her XXXX for the remainder of her life. It has been a rough road and it is criminal that Lending has become so savage and predatory they are the ones that should be investigated but it seems that when one goes away another appears with the same deception and last resort deal with the XXXX.
|
| 06/10/2017 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem with a purchase or transfer
- Charged for a purchase or transfer you did not make with the card
|
|
Web |
Servicemember |
|
On XXXX XXXX , 2017 I saw a charge come through for {$59.00} that was taken by this company called XXXX XXXX . They stated that it was for insurance on a card. I informed them that I did not make that purchase and they wanted me to fill out this form and send back the card. I told them how can i do that if i dont have the card. So I went to my prepaid card company and they told me that I would have to send in a letter stating what happened in 10 days. I sent the letter but they stated that they didnt get it. Then I sent it in again and by this time it was after the 10 days so they stated that they wouldnt be able to issue a courtesy credit. They stated that they would just go ahead and dispute with the merchant. So they did and the long wait began. I was told that they gave them until XXXX XXXX to respond and it was only XXXX . I was very upset because im unemployed and have no other income coming in. I called alot to check on the status and every time i called it was a different story. So i wanted to cancel that dispute and put it in again just to get the courtesy. T his one representative told me that I can do it. SO when it was time for me to cancel the dispu te i was told that i couldnt and that it would be no guarantees that I would get the courtesy. So i told them to just leave it alone. I checked my account XXXX and the m oney was there but they took it right back. Its been one thinn g after the next. So XXXX XXXX comes and they tell me to refax the written statement that they originally wanted. And today I was told that the merchant have until XXXX XXXX to respond.
|
| 11/27/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently learned that a fraudulent account in the amount of {$500.00} was opened in my name via Speed Cash 's online process.
Speedy Cash seems to have no issues providing cash to a fraudulently opened accounts but when it comes to answer question posed by fraud victims they and their compliance staff can not be located or wo n't answer.
Speedy Cash 's business model, which loosely verifies identities via its online application process is an inherent danger to the general public. Their processes puts the onus on the fraud victim to show that the account opened was not theirs. Why should the general public have to spend their time getting police reports to satisfy the fact that the company has inappropriate policies and procedures to protect the public from fraudulent accounts?
I have tried to contact the Firm 's compliance officer, chief compliance officer and public relations officer and apparently they are not willing to discuss their process with consumers and have failed to return my email. Further, I have requested to speak directly with their compliance officer but was told by customer service that their compliance officer does n't speak to consumers. As a compliance officer myself, in a different industry, I never hesitate to pick up the phone and explain policies and procedures and in general educate consumers whenever possible. Clearly their Firm 's view on compliance is narrow and in effective.
Please take a look at this firm and ensure their policies and procedures develop significant safeguard to protect the general public from accounts fraudulently created in their name.
|
| 07/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
My name is XXXX XXXX XXXX Loan # XXXX My email is XXXX On XX/XX/XXXX I applied for a loan of {$500.00} was approved ( confirmation # XXXX ) and I picked up the money in person the same day. On XX/XX/XXXX I applied for another loan as I was already approved for a higher amount when I applied initially on XX/XX/XXXX but chose not to take the full amount since I had a check deposit due to post to my personal bank account by XX/XX/XXXX but due to banking issues did not post as expected .On XX/XX/XXXX I applied to take out the remainder of what I was approved for which was {$1500.00} and change and picked up the money the same day on XX/XX/XXXX. On the same day XX/XX/XXXX a friend agreed to loan me money after i explained to him the banking issues I was having and the expensive pay day loan I had to take out. After getting the money from my friend I called Speedy Cash and asked them to rescind the loan and just take it out of my bank account with the bank info they already had on file ending in XXXX. They refused and advised me to go back to the store in person which is 30 minutes away even after I informed the representative that I was heading out of town for work. Not being able to rescind the loan in the window provided by Speedy Cash will incur me fees that could have been avoided had Speedy Cash just taken the money back and rescinded the loan with my checking information that was already on file with them. I want them to refund me any and all fees associated with the entire amount of this loan due to them refusing to rescind the loan over the phone or by email communication like I requested.
|
| 09/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hi, This company AD Astra Recovery continues to report to all 3 credit bureaus that I owe them a debt in the amount of {$1000.00} this information is not correct.. I have sent several certified letters to this company asking that they remove this collection from all 3 of my credit reports immediately. They continue to refuse to do so. They sent me a letter stating that they verified these debts as being accurate and that I know is not correct. I have asked AD Astra Recovery to send me validation of these debts bearing my signature and they have not provided that. instead they sent my a computer generated report of some charges that were allegedly made by me, this is not correct and I want these collections removed immediately. Please note As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have formally requested a copy of any documents, bearing my sig- nature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I have made several goodwill attempt to have you clear up this matter. The listed items is inaccurate and incomplete and represents a very serious error in your reporting. The reported errors are with AD Astra Recovery in the amount of {$1000.00} and opened on XX/XX/19. I am the victim of Identity Theft, that reference and report ID number is XXXX and my police report case number is filed with XXXX XXXX that case # is XXXX I am asking again to have all 3 of these charged deleted from my credit reports immediately.
|
| 10/18/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Company is XXXX XXXXXXXX XXXX the payday loan was PAID IN FULL. The initial loan, according to my credit report, was XX/XX/XXXX. It was a payday loan from Speedy Cash store # XXXX in XXXX XXXX.
Because it was paid. I never received a letter or phone call, EVER. I recently got a home phone number. That's when the calls started. They called my house, told first my XXXX yo daughter that I needed to call them ASAP because they had a warrant for my arrest, and tried to get her to give them my home address. Which of course she didn't. My daughter was so upset. They called right back, my husband answered this time. He asked them, not so nicely.. Who they were and why they were calling. A woman stated that there was someone on their way to my house to arrest me, and she needed to verify my address. He laughed ever so rudely and replied, " My wife works for a police department '' which is true and not to call again. 6 more calls came in bk to bk in a matter of 10 minutes. I work nights so I was asleep, but woke up with the commotion. I called the number that called and was yelled at to give my address. That a process server was on their way with a warrant. I laughed, cause see, I with common sense, know a process server doesn't arrest people for one. For two, I work for a police department as my husband had stated earlier, and one of my clerical duties is to enter warrants into the XXXX database. So I told her that, concluded with, I'll wait for the process server to come arrest me, and disconnected. They placed another hit on my credit report XX/XX/XXXX. This can not be OKAY RIGHT?!
|
| 01/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
I paid off a collection account to XXXX XXXX which was for a payday loan with Speedy Cash. It is still being reported as a collection account with XXXX. I sent a letter to XXXX and XXXX XXXX asking them to not report as a collection. XXXX XXXX told me they could n't do it and told me to tell XXXX to tell them to change it from a collection to paid and closed. XXXX told me they ca n't do that. I am attempting to improve my credit scores by establishing new credit and paying off old debt. My attempts at this are futile with XXXX since my credit score has gone up one point in the past 6 months since I started this process. The other 2 bureaus have shot up from the low 500s and surpassed my credit score at XXXX. Please review the letter I sent to the two agencies and explain to me why paying this off has no effect to my score or status. If paying my debts makes no difference, I give up!
Here is the letter I sent to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Acct # : XXXX Re : Collection account paid in full To whom it may concern : Please notify XXXX that my balance in the amount of {$310.00} due to Speedy Cash was paid in full and is at a XXXX balance and ***not to report it as a collection item. I am no longer disputing this item with XXXX. XXXX told me you have to tell you to ***no longer report as a collection item. You told me XXXX has to fix. Please sort this out. I am attempting to pay off my debts and improve my credit score. This is futile if nothing changes.
Thank you for your time.
Sincerely, XXXX XXXX XXXX DOB-XX/XX/XXXX XXXX CC : XXXX
|
| 07/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I previously filed a complaint against Ad Astra Recovery services through CFPB ( XXXX ). Part of their response was : 1. ) " Within five days of receiving the account, a validation letter was mailed to the address we had on file from our client. '' 2. ) " Following a review of the consumers complaint, Ad Astra could not find any instance of failing to provide validation to the consumer. '' 3. ) " Our client has since confirmed the ACCURACY of the information and the amount owed for the account. We have researched our records and the current records of our client and determined that there is NO INCONSISTENCY with the data we are reporting to the credit reporting agencies. '' Unfortunately, I have looked at my latest reports from XXXX and XXXX, and found that inaccuracies and inconsistencies are being reported on my credit by Ad Astra : 1. Ad Astra Recovery is still reporting two different " Dates Last Active '' to XXXX and to XXXX.
2. Ad Astra Recovery is reporting two different " Dates Opened '' to XXXX and to XXXX.
3. Ad Astra Recovery is not reporting a past due amount, credit limit, No. of months ( term ), Date of last payment, or monthly payment.
Ad Astra has an obligation under the FCRA 's " furnisher rule '' to not report information they believe to be untrue or inaccurate or that they've been told is untrue or inaccurate. These inaccuracies and inconsistencies have led me to believe that Ad Astra has NOT researched and verified this account in violation of my rights.
Needless to say, their willful and continued disregard for the law has caused me damages.
|
| 12/07/2017 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Problem with a purchase or transfer
- Card company isn't resolving a dispute about a purchase or transfer
|
|
Web |
|
|
My XXXX XXXX card was stolen from my car along with a small journal with a lot of important numbers I keep in my armwrest. Because I barely use my card, I didnt notice it was lost until I tried to make a purchase at a restaurant. I called my bank to report my card stolen and they told me of transactions on the account. I informed the specialist that I lacked online access to see these transactions and that I would like to get access and file a dispute. The specialist told me I had to wait till the transactions posted and said she will email me a login info. I never received the email, and called back 2 days later to see if ye transactions posted. The supervisor told me yes and helped me file a dispute. She then said she will send me another login information to gain online access, but I still didnt receive it, and it was like that back and forth. I didnt hear from my bank till a couple of days when I received my replacement card and I couldnt activate it. They told me my account was closed, but wont tell me why and that I should go online and referr to the card agreement service page. I did t hear from them again until I called today to ask for the status of my claim and they told me they reached a decision on XXXX that said they denied my claim because my card was used with a merchant close to where I live. I told the lady so if I someone robs a bank closer to the owners home does that mean the owner is at fault? I asked hem to reopen my case and ask for video footage or a receipt where I signed anything and they refused and told me to send in an appeal letter.
|
| 08/12/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
From : XXXX XXXX Sent : Thursday, XX/XX/2021 XXXX PM To : XXXX XXXX Subject : XXXX : Docket Number- XXXX : - XXXX XXXX ID : XXXX Case Number- XXXX Account value : {$580.00} Late payment costs : {$100.00} Interest cost : {$63.00} Total Debt : {$750.00} Your unpaid debt amount of {$750.00} to XXXX XXXX XXXX ( Speedy Cash ) from today we have passed your case you will not ignore this final reminder. To save yourself the inconvenience of court actions, we kindly suggest settling the total amount of debt and additional costs as soon as possible to court. So these legal proceedings were issued on your docket Number XXXX with one of XXXX XXXX XXXX XXXX in order to notify you that after making calls to you on your phone number we were not able to get hold of you. So the accounts department of XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you.
This is all about a payday loan which was borrowed by you from one of our sub payday loan companies. There are so many payday loan websites like XXXX XXXX XXXX, XXXX XXXX XXXX, Speedy Cash, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and so on. You have logged on to one of the sub payday loan websites and given your identity proofs, Banking information, personal information to borrow loan.
As you are aware the above account remains unpaid by you. Despite numerous reminder telephone calls requesting payment of this account but we were unable to reach you by phone so we can send you a final reminder email.
|
| 07/25/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
In XXXX XXXX I received a court summons from a lawyer for Speedy Cash for a Pay Day loan I owed on. I received this notice through my employer at the time and was being garnished. I was not warned and was given the notice after the 10 day time line to dispute. the loan was {$500.00}. With legal costs, fees, and collection I was ordered to pay {$880.00}. As of my last check with my company, because I was laid off, they received a total from me which a balance ended in a balance of {$240.00}. I was not aware of that at the time. I was under the impression I was paid off. From XXXX XXXX to the start of XXXX XXXX, I was n't aware the collector was incurring legal fees and interest. I was notified by my current employer at the beginning of XXXX XXXX with a court summons, that I was to be garnished immediately and now owe {$630.00} and they could still tack on interest which may never pay off this debt. The collector filed back in XXXX XXXX. I was never served or notified about this until my employer did. This collector waited 7 years before even attempting to collect from me again, gouged me with interest and fees in the process and waited 9 years and sued to garnish. I understand I am responsible for a debt but, I also understand a company should not take advantage of its consumer. I am a single mother with a very low paying job to make ends meet. I was willing to make arrangements when I spoke to the company in XXXX XXXX. They refused a settlement and I did not agree with their collection practice. They also deny I ever contacted them.
|
| 02/24/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I receive calls before XXXX and after XXXX, and I also receive calls all day everyday, including weekends at late hours. As XXXX leaves voice mails that are completely blank or only have of the voice mail will be there and it is the same exact message every single time ( automated. ) I received calls even after beginning to make payments with them. A week after I made a payment they called when I was actually off work and the gentleman I spoke with had no idea I had made a payment when I asked, why are you calling again? I just paid you guys about 5 days ago. After he checked he asked if I could make another payment and I told him that I just made a payment, I couldnt make another, I had not even received my next check. He then told me that if I didnt set up a payment plan right then for {$100.00} a month ( which I could not afford ) that I would continue to receive the phone calls. Im still receiving these calls and Im still confused as to whether or not this debt is even valid. I never received notification that I could dispute the debt, and it is getting really frustrating to be constantly hounded. I want to dispute this debt and I want them to please stop hounding me and send proof to me if the validity of this debt. Ive kept in touch with them at least monthly and even just today tried to call them and have said listen I will even settle with you guys for a lesser amount because I dont feel like if this debt is valid, that that could possibly be the correct amount, just because I want the hounding to stop.
|
| 12/19/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
In XX/XX/XXXX, a debt collector contacted me about a loan that i 'd obtained from speedycash in XX/XX/XXXX when i had a XXXX 's checking account. She first off represented herself as a state attorney and said she was going to prosecute me on fraud charges for taking a loan that i had no intentions of paying back. I tried to explain to her that i had discussed my situation at the time with speedycash and XXXX but she was not trying to hear that. She was very obnoxious, rude and disrupted me every time i would try to speak with her. She specifically told me that if i did not have {$1500.00} dollars by XXXX that she was going to send a XXXX county deputy to my house to pick me up. So in the mist of crying and panicking, i called a lawyer but did not follow through with it because i eventually calmed down. By XXXX exactly a man stating that he was a deputy calling from a XXXX county police department number said that i had only 2 options and that i should not hang up the phone in his face. He said that i could either listen to the lady representing herself as a state attorney or i could come and turn myself in or he was going to come pick me up. That ordeal ended with me calling the lady back and asking her for additional time to pay it which she said i did not have. I was very upset! I explained my whole life situation to those people but they still treated me horriblely. I have also recieved an email from a gentlemen from speedycash on XX/XX/XXXX. The details of that email will be enclosed below.
|
| 08/26/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received information from you attempting to collect the above-listed alleged debt that you have listed on my credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. I've disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
|
| 07/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX has filed a non payment derogatory for a debt which is not mine. They claim to be representing the original creditor XXXX SPEEDYCASH.COM XXXX NM The date opened is listed as XX/XX/XXXX for a balance of {$1000.00} ; I have never contracted for any amount of money with XXXX SPEEDYCASH and certainly would not have during that time. The date reported to XXXX was XX/XX/XXXX. I had ignored all previous correspondence with XXXX XXXXXXXX assuming that it was a phishing scam of some sort and did not want to provide them with any additional personal information or acknowledge any claimed debt. I have recently received a similar claim of an unpaid debt from another party ( not related to this instance ) and believe there has been fraudulent use of my personal information resulting in damages to my credit and subsequent unwarranted increased expense in other financial matters. I would like to see copies of any contractual agreements signed by me. XXXX XXXX filed the same derogatory claim of unpaid debt with XXXX which I promptly disputed. I was notified via email that the dispute had been resolved but was unable to access the outcome on the internet interface. After multiple failed attempts I called the support telephone number as recommended on their website and their customer service representative was also unable to access the dispute records. Worst service I have ever seen, can't understand why any financial institution would use their credit reporting services.
|
| 12/14/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
I submitted numerous complaints about this situation but ad astra still not giving a clear path to resolve this matter, ad astra never properly notified me of this debt due to circumstances I described in past and I repeat again, the address they had was not residential address rather mail delivering service which due to national disaster temporary suspended delivery of mail, mails were going in but no distribution because they were ordered by United state government to stay home. every citizen of this country was ordered to stay home, all businesses were suspended except for ad astra. I was home and suffered from covid illness, majority of Americans jobless due to international disaster including me, a payday loan was nonsense because no pay.all financial institution suspended collection at that time, speedy cash made lots of money from consumers but yet did not act patriotic and help their fellow Americans, courts, legal and government agencies, place of business and churches were closed. Now what I am asking to give me a clear path as how we can work this out and negotiate to remove this debt from credit bureaus. What it takes and what needed for me to do considering the facts I represented, ad astra knew about emergency circumstances at that time, many people were in hospital or quarantine, including me, how in the world they could notify anyone properly and legally at that time, they should of temporarily suspended their debt collecting activities till thing normalized. Now tell
|
| 05/09/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Originally there are four payday loans that were originated at XXXX XXXX in XXXX XXXX. Before they charged off I attempted to contact XXXX XXXX in collection department and they refused to get a manager involved so I can settle this before it charges off. They go ahead and charge off all for loans. One is in the amount of {$270.00} one is in the amount of {$190.00} one is in the amount of {$480.00} and one is in the amount of {$670.00}. I presume that that includes the interest at the time of charge of. And then went to a Recovery Services company called XXXX XXXX in XXXX XXXX. On XX/XX/2018 I did call And spoke to XXXX. and I offered them an {$800.00} settlement the response that I received from this company was " oh I can't even consider that because this was not has not even been reported to your credit profile '' pull the call, apparently they are recorded ... Well that is the purpose to try to settle this so my credit profile is not damaged. XXXX XXXX refused to speak with me regarding a settlement and so is XXXX XXXX their address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX their telephone number is XXXX. Their collectors are quite rude so I asked to have a manager call me. I did request that a do-not-call be provided due to the collection efforts on this however no one can ensure me that I would only be called once a week or once a month. I requested personally for a manager at XXXX XXXX to return my call as of today 's date there has been no such call. Respectfully, XXXX XXXX
|
| 01/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I came into this location for a title loan and was told that because I had one already I could only do one at a time which was not a problem. I talked to XXXX on the phone and she informed me they offered pay day loans not based off credit. I told her I would come in as long as it wasn't based off my credit because I didnt have great credit. Once I arrived I went through the process seemingly fine and then there were several issues with the format and how it was sending and printing to the servers at speedy cash. The representative helping me told me something was wrong with the printer or something. She told me she could run the application with just my SSI income and I told her that I did not want to do that because I wanted all my income included and accounted for. The young lady came back and handed me a paper saying I was denied for my loan because of my credit score and so forth. I asked her how I was denied because I already informed her I didnt want it ran without all my income included and furthermore how and why my credit was even pulled and ran because I did not want any loan based off my credit because i know a pull would stay on for two years. I asked the young lady why i wasnt informed my credit would be pulled and that it was a hard inquiry and she simply apologized and told me that she thought someone informed me of that. I called into the internal customer service line for the company they alleged taking my complaint but no one has reached out to resolve the matter.
|
| 05/04/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
On XXXX I received a debt collection letter from XXXX XXXX XXXX , XXXX ( XXXX. XXXX XXXX, XXXX, IL XXXX, Tel : XXXX ext. XXXX ) demanding a balance due of {$640.00} with Original Creditor name as Speedy Cash ( Original Creditor Account Number XXXX ). The current creditor to whom the debt is owed is XXXX XXXX XXXX, XXXX. I have never ever dealt with Speedy Cash ( a PayDay franchise ). Someone used my identity to borrow this amount from Speedy Cash sometime in late XXXX. Upon getting a copy of my credit report from XXXX, I noticed that there was a second loan of {$1200.00} in my name also from Speedy Cash, but I have not yet received a collection letter about this amount. I immediately filed an identity theft case with the the City of XXXX XXXX XXXX, Texas with case number XXXX. I also filed my identity theft case with Federal Trade Commission ( # XXXX ) on XX/XX/XXXX. Since my home insurance with XXXX provided coverage for identity theft, I filed a claim with them also. XXXX appointed XXXX to assist me with putting an alert with each credit bureau and assist me with resolving this identity theft fraud. I have not responded to XXXX XXXX XXXX directly, but I know the XXXX has and was advised to take it up with Speedy Cash. I do not wish to contact them and do not know the contact of this retail shop. I request you to please help me with investigating my identity theft which originated with Speedy Cash. I believe Speedy Cash is complicit in many other such fraudulent loans.
|
| 02/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
After applying online 4 a short term installment payday loan we were contacted by someone named XXXX XXXX posing as a representative of Speedy Cash saying that we were approved for {$3000.00} loan. We were supposed to receive the money within 24 hours of giving him our bank account number which we gave him our account number and routing number then he asked for our online banking username and password. When I obtained the information I was unable 2 retrieve his number from my voicemail so I went to the company 's website and call the number listed. I spoke with a customer service rep by the name of XXXX that informed me we were not in their system so I hung up I made a point to retrieve the voicemail that I received from XXXX XXXX and I proceeded to call the number he listed. I first called him blocking my number and it went to voicemail after the second ring then I called back with my numbers visible and he answered stating that he was XXXX XXXX with Speedy Cash and how could he help me. I asked for someone XXXX XXXX name and he just sat there on the line and eventually hung up after my fourth time of asking for a random person. I then called Speedy Cash buy the number listed online and I was informed that this person is a scam they are not out of Washington they are out of Kansas and then I proceeded to ask for the fraud department from which I spoke with XXXX who made a report and advise me to file a report with the FTC consumer XXXX and to contact my bank and XXXX.
|
| 07/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I have several accounts listed on my credit reports and the do not coincide with all three reports 1 ) this XXXX report is showing that its open and delinquent and I paid this account off in XX/XX/21 on all reports 2 ) department of education I had I had those accounts forgiven and they are listed as delinquent on all 3 reports 3 ) XXXX XXXX theses accounts need to be reviewed they have all different Amounts on all 3 credit reports and some not even listed at all 4 ) XXXX XXXX is listed on my 1 credit report and not all reports as this amount that was not paid when the account was canceled this needs to be reviewed and deleted as soo. As possible 4 ) collection account with no source listed fo {$49.00} dollars not listed on all my reports this needs to be deleted as this information is not accurate 5 ) XXXX XXXX is a credit card that was open fraudulent its not correct on all my reports this needs to be removed it also has different amounts an 2 of the reports this account was closed snd its still listed as open 6 XXXX XXXX XXXX XXXX is a credit card that was open fraudulent its not correct on all my reports this needs to be removed it also has different amounts an 2 of the reports this account was closed snd its still listed as open XXXX XXXX XXXXXXXX 5 ) XXXX XXXX is a credit card that was open fraudulent its not correct on all my reports this needs to be removed it also has different amounts an 2 of the reports this account was closed snd its still listed as open
|
| 06/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : AD ADSTRA RECOVERY Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company.
According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to XXXX} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to XXXX}, or one percent of the collectors net worth, whichever amount is lower.
Best Regards, XXXX XXXX XXXX
|
| 07/31/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
1. I talked to customer care onXX/XX/XXXX
2. Sent an email to fraudulent dept. of speedy cash on XX/XX/XXXX3. Talk to Collection agency on XX/XX/XXXX. Ask me. ' whatever you like can do '.
4. Sent Letter to CFO of Speedy cash on XXXX To Mr./Mrs XXXX XXXX Dated XXXX XXXX Chief Finance Officer Speedy Cash XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Reg : Fraudulent activity in my Name/ Amount {$2000.00} and {$5600.00} on XX/XX/XXXX & XX/XX/XXXX respectively.
1. I had an old account in speedy cash when I was in XX/XX/XXXX. Now it is blocked.
2. I leftXX/XX/XXXX 07 years ago. I am surprised, how the transaction took place? Involvement of inner staff can not be rule out as well as an identity theft.
3. I spoke to customer care executives, they say transaction took place online.
4. If it is online, then which bank account amounts were deposited, please verify and inform me.
5. Without contacting me how it had gone to collection? Only now {$2000.00} had gone to collection, But, {$5600.00} is with them, not yet send to collection.
6. I want collection accounts are removed immediately from credit bureaus.
7. For this mental agony, harassment, disrespect why I wont take the matter to appropriate authority?
8. You need to improve customer services, they are casual. I sent an email to your fraudulent department, no reply. Please look into my case on priority basis and do the needful at your earliest.
Regards Copy to : Ad Astra Recovery Service.
XXXX, XXXX.
|
| 09/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I XXXX XXXX XXXX, Have been violated of my consumer rights by Speedy Cash15 USC 1692b. ( 5 ) defines, not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. Speedy Cash used their company logo on each exhibit I've presented which is a violation of my consumer rights and privacy. 15 USC 1692e. ( 2 ) ( a ) defines, The false representation of the amount of any debt. All circled charges are in the positive, if it is a debt that is owed like they " allege '', all charges owed should be in the negative. 15 USC 1692b. ( 2 ) defines, not state that such consumer owes any debt. Speedy Cash, stated in letter that " This communication is from a debt collector. This is an attempt to collect debt and any information obtained will be used for that purpose. '' which is in violation of my consumer rights and privacy. 15 USC 1692d. ( 1 ) defines, The use or threat of use of criminal means to harm the reputation of any person. Speedy Cash, threaten to give my personal information to a illegal third party, which is identity theft, which is a criminal act, so that they can report falsely on my consumer reports which will ruin my reputation. Speedy Cash is in violation of The Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692, and is now civilly and criminally liable.
|
| 08/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
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On XX/XX/XXXX, a loan of XXXX was taken out. As of XX/XX/XXXX, XXXX was paid towards the loan with XXXX, but with fees tacked on now, it's at XXXX to this date. In XXXX of XXXX I revoked the right for Speedy Cash to continue withdrawals as I fell on hard times where payments could not be made. I had 5 remaining payments of XXXX left. Several months later after failed negotiation attempts with Speedy Cash, the account was sold to XXXX XXXX XXXX and they have been reporting to the credit bureaus. This started in XX/XX/XXXX. Several attempts were made to negotiate with XXXX XXXX by mail, sending certified letters, however, never got a response only saying I owe the debt, but they could never validate that they OWN the debt. In XX/XX/XXXX an attempt to contact Speedy Cash to pay off the debt was made, as on their website it shows they still own the debt. That was in vain. At this time, nobody can validate who has the debt. Nobody is communicating on a payment settlement or agreement, despite I have the funds now. I have refused to give my bank account and card information and insist on mailing money orders or do bill pay through my bank, however, each company insists on access to my bank. 1 ) Who owns the account? 2 ) I will not give out my banking information 3 ) I want this all off my credit report being nobody can prove anything of who owns it. 4 ) I will negotiate a reasonable dollar amount to the company who OWNS the debt to have this matter resolved.
|
| 03/10/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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Looking at my most recent credit report i noticed Ad a Astra recovery services is reporting unverifiable/inaccurate information on my account. according to the type of verification required by Section 809 of the Fair Debt Collection Practices Act..
The statute requires that the verification of the identity of the consumer and the amount of the debt be obtained directly from the creditor. Mere itemization of what the debt collector already has does not accomplish this purpose. one of the principal purposes of this Section is to help consumers who have been misidentified by the debt collector or who dispute the amount of the debt. Once again, Mere itemization of what the debt collector already has does not accomplish this purpose.
Ad astra recovery services have not been able to send me evidence bearing my signature stating that I am legally obligated to pay ad astra recovery services.Ad astra recovery services have not been able to provethat I owed, or was in debt, or ever have been in debt with Ad astra Recovery Services. because of this, Ad Astra Recovery Services must request that all credit reporting agencies delete the entry which they are inaccurately reporting & violating the FCRA & FDCPA law put in place to protect consumers like me from being bullied by debt collectors such as ad astrarecovery services. These false entries by ad astra recovery services are hurting my chances of obtaining credit and need to be deleted immediately.
|
| 02/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with cash advance
|
|
Web |
|
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XXXX Opened a line of credit with XXXX XXXX XXXX XXXX Account.
Card was activated at store and account opened with Routing and Bank Account Number.
Card given was previously used and connected to another persons account.
Information on card was not matching my information, dob and ssn, personal identification number.
Cashed a US treasury refund check for {$330.00} but had to open an account.
Account was open and activated on account and card was already used and connected to another financial institution, financial name, financial resource, financial fraud, financial source including federal funding fraud and criminals.
XXXXXXXX XXXX XXXXXXXX XXXX Routing Number XXXX Will Provide Account Number on request.
Connected to City of XXXX California including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Identity Theft, Identity Fraud.
Possibly another XXXX XXXX works at this bank and is using my information.
So much stolen from me and my daughter including property, money, inheritance, intellectual property, falsifying information, XXXX XXXX etc.
Possible connections of those doing fraud in City of XXXX, XXXX Police Department and stolen identity include XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX City of XXXX Police Department XXXX FBI, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
|
| 04/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
On XX/XX/XXXX, I took out a payday loan through Speedy Cash on XXXX, XXXX, TX in the amount of {$150.00}. The contract was for six ( 6 ) months and the payments would be {$34.00} a month starting XX/XX/XXXX. I asked for the payments to be withdrawn from my bank account on the XXXX XXXX XXXX XXXX because I'm a XXXX senior citizen and my social security checks come on the 1st of each month. The loan company took {$34.00} from XX/XX/XXXX thru XX/XX/XXXX and on XX/XX/XXXX, they took a total of {$190.00}, which came to a total of {$330.00}. I contact the company for an explanation of the last withdraw and this is what they said : " Since the payments are due on the 1st and we didn't process it until the 4th there was an additional {$34.00} added to {$150.00}, plus {$5.00} that goes to a 3rd party, '' I asked was happened to the 4 payments of {$34.00} which is a total of {$130.00}. Her response was " It's all interest, and nothing was applied to the principal. The total amount of the loan, plus interest, plus the 3rd party fee was due at the end of the loan which is XX/XX/XXXX. '' When I told her that the charge does not add up and I wasn't aware of these out-rigid charges, she said she would let her manager know how I feel, but nothing can be done, these are their charges. This is double the amount of the loan and something needs to be done about it.
I informed her that I would be referring this to the Federal Bureau for investigation.
|
| 06/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Dear Collector, This letter is in response to the Consumer Financial Protection Bureau inquiry received on XX/XX/2022.
I must remind you that I have sent a Debt Validation letter and your Company received the certified mail on XX/XX/2022. YOUR RESPONSE ON XX/XX/2022, you have stated that YOU WILL NOT INVESTIGATE DISPUTES THAT ARE IRRELEVANT, FRIVOLOUS, OR DISPUTES THAT HAVE PREVIOUSLY BEEN INVESTIGATED ( who verified these account )? UNLESS IF YOU ARE PROVIDED WITH ADDITIONAL RELEVANT DOCUMATION.
Your Company has violated my rights as a consumer by failing to validate a debt at my request and continuing to report. These are clear violation of both FDCPA THE FCRA.
This is a violation 15USC 1692G ( b ) upon receipt of a borrows dispute letter the debt collector shall cease collection of the debt, or any portion thereof, until the debt collector obtains verification of the debt and a copy of such verification is mailed to the consumer by the debt collector.
Failed to notify the credit bureaus to mark the account as disputed.
I gave the legal time of 30 days to complete this, you failed to investigate this account properly.
Please DELETE THE ACCOUNT TO ALL 3 MAJOR/SUB BUREAUS.
SEND ME A COPY OF DELETION, CEASE ALL COMMUNICATION VIA MAIL OR THROUGH THE CFBP MESSAGE. SHOULD YOU NOT DELETE THIS ACCOUNT, I WILL BE FORCED ON PURSUING LITIGATION IN THIS MATTER TO ENFORCE MY RIGHTS UNDER THE FCRA.
Thank you XXXX XXXX XXXX
|
| 11/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
To Whom It May Concern : I receive a copy of my credit report with the intention of trying to improve my credit, and take care of my responsibilities. I noticed a few accounts that I want more explanation on. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the accounts being reported on me, I have never heard of which caused me to write to you.
Are you familiar with something called 15 U.S.C section 1681i ( a )? I heard that if you cant provide proof, this account must be deleted. Well, I want to this account deleted if they are not XXXX percent right and correct. So, could you please check on this account and get back to me promptly? I saw on a XXXX XXXX and XXXX where this lawyer said, You have 30 days to complete this investigation. I did not establish a relationship with this account for them to report nothing on my credit file with none of the credit bureaus. Please investigate the following account and remove off my credit report on all three credit bureau reports.
I demand the following account to be verified or removed immediately.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX I also read where I can get the updated report after you investigated this from the XXXX XXXX guy. Could you please send it to me? Also, please let me know who had access to my file as well.
Best regards, XXXX XXXX, XXXX
|
| 06/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX is actively/fraudulently reporting to XXXX & the credit agencies a debt that I do not owe. XXXX XXXX XXXX purchased a CLOSED collection account from SPEEDY CASH. SPEEDY CASH reported the closed account balance as {$1500.00} before selling/ transferring the account to XXXX XXXX XXXX ... XXXX XXXX XXXX has now duplicated the original CLOSED SPEEDY CASH ACCOUNT # XXXX And reported this 5 year old closed duplicated speedy cash account to XXXX as a new/recent collection account. This is a blatant credit reporting of misinformation. XXXX XXXX XXXX is Knowingly.willfully and recklessly reporting false information to purposely damage my credit. REPORTING LATE PAYMENTS ON A CLOSED ACCOUNT IS A VIOLATION. XXXX XXXX XXXX REPORTING THAT {$1500.00} IS PAST DUE -IS A VIOLATION. ONLY THE ORIGINAL OWNER MAY REPORT A BALANCE. XXXX XXXX XXXX RE-AGING THE ACCOUNT IS A ABSOLUTE VIOLATION. XXXX XXXX XXXX PURPOSELY REPORTING INACCURATE INFORMATION TO DAMAGE MY CREDIT is also a violation. I will not allow XXXX XXXX XXXX to use these illegal bullying practices against me. I will share my concerns with the Texas Governor in a written complaint along with recording a complaint with CFPB. I hope to save other unsuspecting consumers from silently endearing this illegal coercion and bullying tactic from XXXX XXXX XXXX. I will pursue my rights to hold XXXX XXXX XXXX accountable for the companies deceptive malicious tactics.
|
| 11/13/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am filing a complaint against XXXX XXXX XXXX XXXX for erroneously reporting two bad debt accounts on my credit profile with ALL three credit bureaus. I contacted XXXX XXXX on XX/XX/XXXX and spoke with a Rep by the name of XXXX. I was informed that the original creditor was Speedy Cash.com and the debt is from two online installment loans in the amount of {$1500.00} each. XXXX said a loan in the amount of {$1500.00} was taken on XX/XX/XXXX ( account # XXXX ) and a second loan in the amount of {$1500.00} was taken on XX/XX/XXXX ( account number XXXX ). XXXX said the loan taken on XX/XX/XXXX was paid in full by a debit card, but that transaction was subsequently reported as fraudulent. I informed XXXX that these debts do not belong to me because I have never taken an online loan with Speedy Cash. I asked her to provide me with documentation that the loans were taken by me. XXXX said she could not provide me with any documentation and suggested that I file a police report or complete a fraud affidavit with the FTC. I have never received any communication from Speedy Cash or XXXX XXXX XXXX about these debts. This erroneously debt was brought to my attention when I was recently denied credit and I contacted the credit bureaus for a credit report.
If this issue is not resolved within 30 days, I will file a civil law suit against XXXX XXXX as this negative reporting on my credit has created a serious financial impact.
|
| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This company is claiming that I owe a debt, but I have never had a relationship with AD ASTRA RECOVERY SERV. They are illegally reporting an incorrect account to the credit bureaus, and this is affecting me tremendously. I sent a letter on XX/XX/XXXX requesting validation, but this request fell on deaf ears, yet it is still on my credit report. I am under the impression that AD ASTRA RECOVERY SERV received my letter because my credit report notes that it was in a dispute. My question is why have I yet to receive any validation of this account? Also, the balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. Also, how is XXXX reporting that this has been a collection since XX/XX/XXXX, but XXXX and XXXX have no record of this? This is violating so many FCRA and FDCPA requirements. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent 3 months ago. You will also see the mailed date and time stamp on the letter. Please investigate once again and remove this account immediately.
|
| 04/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Certified letter was sent to Ad Astra asking for documentation bearing my signature to verify debt listed on credit reports.
Letter was signed for by XXXX XXXX on XX/XX/XXXX, per Certified receipt from usps tracking # XXXX Documentation without signature was received back stating " We have reviewed your file with Speedy Cash and determined the facts in reference to this debt are consistent with the information provided by client. '' Second letter was sent to Ad Astra stating they had failed to provide me with viable evidence bearing my signature, showing the account was reported accurately. This letter was also sent Certified and signed for by XXXX., per Certified receipt from usps tracking # XXXX No response received from this letter.
Certified letters were mailed to XXXX, XXXX and XXXX. The letter stated that Ad Astra failed to verify this debt bearing my signature and it should be removed from my credit report. Only received a response back from XXXX stating I should contact the creditor for validation. Item was removed from XXXX credit report. However, still shows on XXXX & XXXX.
Certified letters were received by all three credit agencies as per Certified receipt from USPS.
XXXX - received XX/XX/XXXX XXXXXXXX XXXX - received XX/XX/XXXX XXXXXXXX XXXX - received XX/XX/XXXX XXXX As per Fair Credit Act Section 611 ( 5 ) ( A ) ( 1 ) ( i ) ( ii ) this item must be deleted as it can not be verified.
|
| 10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
As the debtor, I am asserting my rights pursuant to 16 CFR 433.2, and it has come to my attention that there has been unauthorized administration of the XXXX XXXX for alleged account # XXXX. AD ASTRA RECOVERY SERVICES Third Party Debt Collector has abandoned claims alleging that they have authority of this Executor Office to administrate for the XXXX XXXX. I believe this to be being done fraudulently. I have received no written evidences of such delegated authority to represent that the office of the registered agent and AD ASTRA RECOVERY SERVICES is authorized to administrate ( acting trustee ) on the XXXX XXXX ; together with a certified copy of signatures contract between the office of the registered agent and XXXX XXXX, the registered agent and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing consumer name private information to other members, resulting in aggravated identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for proper jurisdiction. Consumer pursuant to 15 usc 1692a ( 3 ), I am disputing this debt and ALL claims in accordance of 16 CFR 433.2, 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC articles that should apply.
|
| 08/06/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have contacted the company XXXX XXXX about this debt. I have explained in great detail that this account is not mine. I have had an account w/speedy cash but that account has already reported to my CB report and is a totally different amount. I never had two loans. I was never even notified of this debt. I never received a call nor letter verifying the debt nor advising me of this debt being owed. If I wouldnt received notification of the debt. I wouldve had the opportunity to Dispute it and verify it but being my account. I was not given that fair collection opportunity and because of it. My credit is being ruined. I have been denied housing, and my job is at stake. I would like this debt removed and verified from my credit report. This company never sent me notice. I called them about another account I actually have and never got notice on as well and two months later. They billed this collection to my credit report. NO NOTICE or verification of debt. They never requested payment or anything. They are very rude and nonchalant when I call their office. I have asked for verification I also filed a Dispute w/credit bureau. Still no verification or update. This derogatory reporting from this collection agency is invalid. I did not take out this big loan a year or two years ago. I would really like to see this handled properly and being removed before causing anymore damage to my credit report.
|
| 08/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I was struggling already by the end of XXXX with Covid-19 setting in across the world. In order to pay off some debt until my income tax check arrived, I accepted an installment loan from Speedy Cash for {$680.00}. I made sure that I could pay the loan off early once I had the available funds and avoid the ridiculously high apr. If not, I would pay back nearly {$1500.00} for a {$680.00} loan! I made a very single payment up until XX/XX/XXXX when I used a balance transfer offer on my new XXXX XXXX to pay off the balance. The payoff amount was listed my main account page, the only amount other than payment due listed in the very limited information about my loan available online. The transfer showed it had finalized on XXXX but speedy cash contacted me saying my installment was in default. I emailed them back notifying them I not only had made the payment but that I had paid my loan off in full and submitted picture proof of the transaction. The confirmed receipt of the funds a few days later. Well now they have resumed debiting my bank account and show that Im behind several payments and my new payoff amount is over {$300.00}!!! How can I still owe on a {$680.00} loan when I made every payment + a lump {$520.00} payoff amount back in XXXX. I had paid them {$1000.00} as of XX/XX/XXXX while I only owed {$650.00}. Why wasnt my loan paid off? And how in the world do I still owe over {$300.00}?
|
| 02/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I entered into installment agreement with Speedy Cash Loan last XX/XX/ 2018, and was paying. I tried to reach and called them many times in order to notify for wanting to re- adjust my payments after I paid {$1.00}, XXXX out of {$700.00} I loaned from them. After many attempts of calling Speedy Cash, I was instructed by their Agents, to call different and several telephone numbers. After all my attempts to communicate in assisting me restructure my installment loan were always in vain and were declined by all Speedy Cashs representatives. When I would called, no one wants to help me in re- structuring my loan. After Speedy Cash uncooperatively responding in solving my willingness to repay or re-structure my installment loan. Speedy Cash have shared my personal information to third parties name XXXX XXXX XXXX XXXX XXXX. The consequences of Speedy Cash acts were invasive for my privacy, as disclosing my personal informations, as well reporting to XXXX, XXXX and XXXX ; Credit Bureaus Agencies in which compromised my credit scores, without addressing my problems on restructuring in order to resolve these issues with me personally before sharing my informations, as consequences of Speedy Cashs false pretenses of the real story. After these incidents, Speedy Cash repeatedly calling at unreasonable hours, as violation of Fair debt Collection Act ( FDCPA ), as abusive debt collection practices.
|
| 04/27/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
Older American, Servicemember |
|
I in good faith, purchased via installment loan an Acer E15 laptop from Speedy Cash ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ) on XXXX XXXX, 2015 @ XXXX.
I realized later that day that I 'd be horribly in debt trying to pay for it. I called Speedy cash the following Monday, XX/XX/2015 and spoke with XXXX and explained everything to her. XXXX misstated she was the manager and that she would call me back. I received no call from XXXX and called Speedy Cash on Friday XX/XX/2015 and XXXX told me her supervisor needed more information and she 'd call me back. I received no call from XXXX and called her on XX/XX/2015 and was told she 'd be in the following day. I called XX/XX/2015 and XXXX advised me she 'd spoken with her Manager ( XXXX ), which was alarming because XXXX had initially told me she was the manager when we first spoke, and had been informed that the laptop could not be returned.
I called the district manager, XXXX XXXX ; XXXX and explained my situation. She told me that there 's nothing she can do. I asked for corporate 's number and she replied " There 's no way at ANY level that you can resolve this XXXX XXXX XXXX! '' in a very rude and unprofessional manner.
I 'm at my wits end. I 'm a XXXX XXXX ( XXXX ) and I 'm permanently XXXX on fixed income. I 'm only asking that Speedy Cash let me return the laptop, so I am not forced into debt.
Respectfully, XXXX XXXX
|
| 11/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
Recently I've been applying for cash loans online I am a single working parent in a very tough financial situation and twice people have called me saying that I've been approved for loans, upon receipt of this information I was excited that I would be able to catch up on rent and also upcoming holiday expenses. One for {$6000.00} from a person claiming to be from XXXX XXXX on XX/XX/2019 and another today XX/XX/2019 for {$5000.00} from a person claiming to be from speedy Cash loan, speedy Cash loan sent me a PDF attachment today of a loan agreement complete with payment details, loan interest rates, ect. I was a little suspicious because of both asking me to give money before they would be able to deposit my loan. XXXX XXXX wanted me to go to XXXX to accept my money via XXXX since they couldn't deposit to my bank, in which case I would send them {$50.00} and they would give my deposit via XXXX. Speedy Cash loans agreed to deposit into my account but only after I could make a security deposit of XXXX, because my credit was low and I was a risk. So I looked into both of the supposed financial institutions, called both of their numbers and spoke to representatives of each company was told that neither one had offered or approved me for a loan. It was even illegal for Speedy Cash to do business with me since i was in New Jesey. They both had my banking account and routing information.
|
| 04/05/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XXXX, I contacted speedy cash at which time I requested validation of the bill and requested an itemized statement with a copy of my original receipt/invoice with my signature. I never received the requested information. I received a credit bureau notification today in which a collection agency AD Astra Recovery servicesXXXX is reporting a negative on my 3 credit reporting agencies. As of today XXXX, I have not received a phone call nor a notice of bill and rights to dispute. I called today and spoke to XXXX who then transferred to Manager XXXX. I informed them that on both communication with speedy cash on XX/XX/XXXX and XX/XX/XXXX, I requested an itemized bill with a copy of the original receipt with my signature which I never received.
Today, while on the phone with XXXX from AD Astra Recovery services, She lied and stated to me that I spoke to the collection agency on XX/XX/XXXX. I informed her that I did not speak to them however it was Speedy cash, she then went along and admitted that they purchased this account from speedy cash on XX/XX/XXXX and that they have not spoken to me. XXXX the manager has been made aware of this situation and per her request sent an email of dispute to XXXX. Copy of this complaint is being sent to Consumer Financial Protection services As well as Ad Astra Recovery Services. Certified Letter has been sent to Ad Astra Recovery Services
|
| 04/22/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
FEDERAL TRADE COMMISSION XXXX XXXX XXXX, XXXX, XXXX XXXX
morning_______, After receiving this email we will issue a legal warrant on your name within next couple of hours so before you do anything read this email very carefully and respond back early as possible.
You are hereby notified that a lawsuit has been filed against you for XXXXhree serious allegations. Speedy Cash is a client of ours, and we are going to be representing them in future legal proceedings.
The charges with Speedy Cash pressed on you are : 1 ) Violation of Federal Banking Regulation 2 ) Collateral Check Fraud 3 ) Theft by Deception This email continues with my personal information and 13 yr old address along with my social security number. This complaint states its coming by the federal trade commission.
Finally, you have the right to hire an attorney, if you have one or if you can not afford one then one shall be appointed to you. But please make sure that you have someone to help you out regarding this case because once this case is downloaded and executed with judgments against you and if you found guilty under the bench of jury then you have to bear the court charges as a penalty and the Amount is {$8300.00} excluding your bail charges, your attorney charges and the due amount pending on your name.
Copyright XXXX FTC| Privacy | Terms of use Thanks & regards, XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/09/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Screen Shot XXXX at XXXX ... png ( 85 KB ) XXXX XXXX 30 Day deposit ... docx ( 15 KB ) Speedy Cash Loan.pdf ( 582 KB ) Good Morning, It is unfortunate that I must resort to such a complaint. However Speedy cash has given me no choice but to officially report my issues with them due to repeated unheard complaints to them.
XX/XX/2021 weeks ago I attempted to get a " speedy cash '' load to tide me over until payday. a few days later I got a notice that they had released funds to my bank and would the availability would be determined by the bank. So I called and was told that there was a issue on their side. I told them I didn't need it now and we can just cancel the loan. I was told to send a statement to customer service and let them know not to pull funds from my account, which I did XX/XX/2021. XX/XX/XXXX they again asked for t he documentation showing no loan was processed by my bank, so I sent my entire statement. This morning XX/XX/2021 I noticed they have placed a hold on my account for loan ( that I did not receive ) repayment. I contacted Speedy loan and they were unable to fix the problem.
As you can see below the only transaction that has taken place in my bank account has been a withholding by speedy cash, therefore I want to file an official complaint against that company. They never provided the load they promised, only the recovery.
Thank you XXXX XXXX
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| 02/09/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
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I recently lost my job and wanted to see if I could come up with a payment plan with a lower rate interest so that I could pay it off but Speedy Cash refused to work with me. I originally borrowed $XXXX not even knowing that I was going to lose my job the next couple of weeks and needed to pay off some bills because my paycheck was a couple of days late. After I lost my job, I called to let them know what happened which one of the customer representatives told me that I now owe $XXXX and if I didn’t pay about $XXXX that the case would go to a third party company who will then take me to court. On top of that the only other income I get is SSI or otherwise known as Social Security due to having a disability and after losing my job this month I was in a really bad financial bind to where I couldn’t even afford my basic necessities which I ended up missing a payment. I did let them know that I was going to school to learn a XXXX XXXX XXXX and that after 3 months I would be much more financially stable but flat out refused to work with me. They also didn’t fully explain the whole terms and how much I would have to pay in total per month to get the balance to XXXX. Please help! I do not want to go to court or jail which having a XXXX makes it hard for me to handle the pressure so please do something. I am doing everything I can to find another Job so it really is not easy.
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| 12/15/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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I contacted the company called Ad Astra Recovery services in regards to something that was on my credit. I did not do this nor know anything about it. Well when I contacted them and let them know at the time it was reported on there as purchased my wallet was stolen at work that day. Well, they told me I needed to file identity theft with identitytheft.gov and send it to them through the site. I did this. They also said I could email it too. I emailed it on XX/XX/2020. After 2 months on XX/XX/2020 I checked my credit again, and it was STILL showing. I sent the information again and called them again on XX/XX/2020 only to be told they " don't receive it that way and the lady I first spoke with lied to me ''. I was highly upset. I said this is identity theft and wanted it removed. The company said I'm still responsible for it even though I've already taken the necessary steps to resolve the issue. Well, she informed me I had to RESEND it again but this time I was ONLY allowed to mail or fax it. so I took the information down and researched how to resolve this issue another way since they are useless in helping me out.
Ad Astra Recovery services will continue to request you resolve this issue with them directly even if you had your identity taken and stolen and took the proper steps. I don't know who this company nor the original is but they are THE WORST company ever.
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| 12/15/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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I contacted the company called Ad Astra Recovery services in regards to something that was on my credit. I did not do this nor know anything about it. Well when I contacted them and let them know at the time it was reported on there as purchased my wallet was stolen at work that day. Well, they told me I needed to file identity theft with identitytheft.gov and send it to them through the site. I did this. They also said I could email it too. I emailed it on XX/XX/2020. After 2 months on XX/XX/2020 I checked my credit again, and it was STILL showing. I sent the information again and called them again on XX/XX/2020 only to be told they " don't receive it that way and the lady I first spoke with lied to me ''. I was highly upset. I said this is identity theft and wanted it removed. The company said I'm still responsible for it even though I've already taken the necessary steps to resolve the issue. Well, she informed me I had to RESEND it again but this time I was ONLY allowed to mail or fax it. so I took the information down and researched how to resolve this issue another way since they are useless in helping me out.
Ad Astra Recovery services will continue to request you resolve this issue with them directly even if you had your identity taken and stolen and took the proper steps. I don't know who this company nor the original is but they are THE WORST company ever.
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| 01/15/2021 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I looked at my credit report in 2020 & saw I was being wrongfully/in-accurately charged, so i decided to reach out & dispute with Ad astra Recovery Services about the incorrect/inacurate balance owed. Once This inaccurate debt started posting on my credit report through Ad Astra Recovery Services I made multiple attempts to reach out to Ad Astra Recovery Services & told them " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note 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. ( you being : Ad astra Recovery Services ) Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. '' no proper evidence was ever sent to me providing my signature showing that I owed, or was in debt, or ever have been in debt with Ad astra Recovery Services. Dates attempted to reach Ad astra Recovery Services were XX/XX/2020 & XX/XX/2020 ( Via certified mail ) Account # XXXX
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| 03/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have been disputing an item with speedy cash for the last 6 months and I was getting nowhere. It ruined my credit, reputation and ability to get any credit for my personal use and for my small business I had just started. Speedy Cash denied and refused to budge, the credit bureau and even you guys refused to listen or help. Now, I have the written agreement and they are now fixing the issue by stating the correct information on my credit reports.
However, that is still not fair to me and that is not the end of the matter. I have been tremendously affected by this and still can not get any credit to save my life. My credit score is XXXX, i have a 100 % payment history. I am not getting turned away due to too many inquiries. My family is going to drowned in debt and end up XXXX XXXXXXXX XXXX soon if I am not able to secure some sort of funding to get capital for my business OR a loan for a vehicle to get a job! Yet nobody seems to understand or care about that.
I live in a small town with no public transportation at all, no XXXX no nothing. I have done nothing wrong and everything to prove my credit worthiness but untill speedy cash goes back and tells everyone that I cant get any help.
I am begging for somone to take a look at this. I need help. And if im the one in the wrong then please tell me so i can understand why and then leave it alone.
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| 02/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
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I got at a loan in XXXX of 2017 I paid it on time and when I got my last long I lost my job I informed company and let them know I would pay them cash but never set up any arrangement payment or plan because I didn't know when I would work again I was unemeployement and got odd and in jobs but now enough to pay the loan was for XXXX and that was with interst I pay them in XX/XX/XXXX. XXXX and let them know I was still unemployed but would come in and pay as I could well I finally got a stable job and right as I begin to pay them I was hit with the total amout due a week before this I paid XXXX so what was owed was XXXX left to pay I had plan on going in and making payments but instead the company got my checking account informantion and paid themselves instead of allowing me to pay them off and after speaking with the store in my area and two reps from customer services was informed that I they was allowed to take money without my permission at anything because I sign a contract but this was a year old and not once did they call me nor did they send me a letter saying they would take my money like this even when I am willingly paying them as I can at the time. I feel cheated I feel as if they stole from me when I need my money to pay my bills as normal but instead they took my entire check and had nothing else to say. other than I owed them.
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| 09/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act AD ASTRA RECOVERY SERVICE account # XXXX HAS VIOLATED MY RIGHTS.
15 U.S.C 1681 SECTION 602 A States i have the right to privacy.
15 U.S.C 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
The information reported is incorrect.
On the XXXX report it states Balance updated XXXX XXXX On the XXXX report it states Balance updated NO DATE On the XXXX report it states Balance updated XX/XX/XXXX On the XXXX report it states Status update XX/XX/XXXX On the XXXX report it states Status update XX/XX/XXXX On the XXXX report it states Status update XX/XX/XXXX On the XXXX report it states Account Type Collection On the XXXX report it states Account Type Collection Account On the XXXX report it states Account Type Open account This is information in incorrect and inconsistent.
I have tried to file a dispute.
XXXX stated : AD ASTRA RECOVERY SERVICES Other reason Looks like you've already filed a dispute for this item Under Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. ] If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward.
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| 04/08/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I did an online loan back in XXXX with speedy cash for {$640.00}. However financial issues came about and i couldnt make payments so the loan was sent to a collection agency called XXXX XXXX XXXX XXXX located in XXXX KS. I contacted them back in XX/XX/XXXX with a {$400.00} offer to settle this debt same day right then and there on the phone. The representative was nasty and rude and would not take me up on my offer. He constantly stated i have to pay 30 % of the total loan when i constantly assured him i have {$400.00} to settle this debt today so i could be done with the calls and reporting to my credit reports. This account is in collections and is stopping me from buying a home. After asking to speak with management more than once the representative tried to pose as If he was the manager. My fianc and I repeatedly stated we have {$400.00} right now to settle the debt and he negatively refused and claimed that i agreed to pay almost {$880.00} to settle the debt which i never did! I constantly stated {$400.00} which the calls Im sure are recorded so you will hear that. The interest is now up to {$1200.00} on the collection account. I should not be recieving any calls when i already tried to settle this debt for {$400.00}. This company does not want to work with its customers trying to correct their mistakes when they have the chance too
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| 09/03/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Can't stop withdrawals from your bank account
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Web |
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Speedy Cash took money from my XXXX XXXX debit card without my authorization. I receive my social security SSI payments in the amount of {$730.00} on this card on the XXXX of each month. On XXXX XXXX my card was debited by Speedy Cash for the amount of {$520.00}. When I called them they stated that my account was past due ( beginning XXXX XXXX ) and that it had gone into collections. I informed them that I had not been contacted by them or the third party debt collector. I also informed them that when I had a payday loan with Speedy Cash in the past that I was told the only way to make payment was to come into their office because they were not authorized to charge my debit card without me being present. I was told that they had the right to take money from my account. They also said that there was nothing they could do because the third party collector was involved. They gave me the phone number for that company. When I called, the representative told me that they were not involved in collecting on this account any longer because Speedy Cash had taken the loan back. I am confused by the back and forth. Now, I am in a horrible position. My account was basically drained which leaves me with no money for the entire month. No money for rent, utilities, doctor visit, or prescriptions. I am XXXX and have no idea what I am going to do.
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| 09/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Incorrect information on credit report, wrong names, social security number is wrong, address, contact information is incorrect, employment is incorrect as well.
please remove all the incorrect information as followed : Names : - XXXX XXXX XXXX PLEASE REMOVE INCORRECT SOCIAL SECURITY # : / XXXX PLEASE REMOVE INCORRECT PHONE NUMBERS : XXXX, XXXX XXXX, XXXX XXXX PLEASE REMOVE INCORRECT EMPLOYERS : XXXX, XXXX XXXX, XXXX XXXX XXXX PLEASE REMOVE INCORRECT ADDRESSES : - XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX, TX XXXX XXXX PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX XXXX PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX # XXXX XXXX TN XXXX - PLEASE REMOVE INCORRECT - XXXX XXXX XXXX XXXX, TN XXXX XXXX PLEASE REMOVE INCORRECT ACCOUNTS : XXXX XXXX XXXX : XXXX XXXX/ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX
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| 05/28/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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I paid the debt of {$840.00} with debit card ending in XXXX on XX/XX/21 to Ad Astra Recovery Service phone number XXXX. The day I paid, I specifically informed the representative named XXXX XXXX that I needed to get this off my credit report because my lender instructed me to pay some of my debt off. I made it clear I needed this off. She said that the phone call is being recorded after she told me she couldn't give me a letter stating that this would be deleted from my credit report. I said its her word against mine I need something saying its going to be deleted from the credit report. She then stated that I would receive something in the mail indicating that I paid. Well here we are over two whole weeks and have not received a receipt. Then I find out today they have the wrong freaking address so I had to provided the updated address. This entire time they were being extremely sarcastic with me so I hung up on them after I obtained the information needed. This must be deleted from my credit report asap. I had another debt larger than this amount and they deleted it in a timely manner. I know it can be done. These debtors or whatever they are called are very deceiving and divert from the issue! If my explanation isn't completely understandable, please do not hesitate to contact me. My phone number XXXX XXXX XXXX
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| 08/28/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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I was notified of the lingering debt for XXXX dollars after trying to receive help 4 months on end from Speedy Cash. Since then my English has gotten better but at the time hardly understood the directions and making the payment and why the payment continue to adjust an order for me barely not to be able to afford it why they stepped on unbelievable he's on top of each other. Several times I my vet reached out for help hanging directions on how to properly play an explanation of the fees. I never once got any sort of bilingual assistance. The den tone is significantly different from the amount borrowed and they have yet to furnish proof for that amount. From what I read in the library this violates the Fair Credit Reporting Act and Fair Credit Lending Act since this would be considered a fraudulent loan through to the violations of the bank Promises of everything fine. I had no problem selling me alone in XXXX but servicing alone and making sure I was okay it was a different story. The account should be eliminated from my credit because of the Fair Credit lending violations so that my family and I can live the American dream. From what I have read this Shady collection agency attempts to collect more than 900 over the original debt and we'll practice any short of abuse in order to get me to pay what I do not owe
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| 08/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
Older American |
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Back in 2016 I got a loan from " SPEEDY CASH '' in XXXX, CA fro {$4500.00} which I was making monthly payments on it ; then I lost my job and I couldn't pay the amount I was told, I went to their office to try and making a new payment arrangement but they denied me that help, they told me to wait and the more I waited the more interests it accumulated, this company charges ridiculous interests very very high ; which is 95.620 % annual, and every time I did a payment I never saw the total amount going down it was always the same because of the excessive interests, after the help was denied, I noticed they put me on collection with adding {$1900.00} more to the interests ; I called the collection company " XXXX XXXX XXXX XXXX '' and I try to do a arrangement and they also denied me help after that this collection tried to cash a check for {$6300.00} from the account without my authorization ; I truly ignore the very high annual interests, Speedy Cash Loans is a very bad company I will never recommend this to anybody ; for {$4500.00} you will end up paying the ridiculous amount of {$15000.00} after you are done with all the payments, meaning that the Financial charge is {$11000.00} plus the {$4500.00}. Please somebody do something about this ; this company should not exist or they should lower the interests.
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| 02/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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In XX/XX/XXXX, I learned that I had been a victim of Fraud for over 20 years. I was born in XX/XX/XXXX, and there had been accounts in my name dated as far back as XX/XX/XXXX, when i was only 6 years old, far before i could legally apply for anything. I immediately filed a 90 day fraud alert and had a credit repair service further investigate. They were able to prove to all companys ' for which had fraudulent accounts, inquires and background information in my name, that i had not opened or consented to any of these accounts and consequently all accounts were removed/deleted from my report, besides these 4 inquiries that remain on my report with XXXX. I have had two different credit repair companies, again, try to prove that i did not consent to any of the below listed inquiries, sending in disputes of the information at least 5 consecutive times. I eventually began to receive letters from XXXX stating that these companies would not remove the inquiries as they were found to be " a factual record of file access ''. Again, I state that this is not true, i did not consent to the below inquiries and I request that they be removed immediately.
( 1 ) XXXX XXXX, XXXX ; XX/XX/XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( 3 ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ( 4 ) XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX
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| 09/30/2015 |
Yes |
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- Received a loan I didn't apply for
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Web |
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There is a loan on my credit report for Speedy Cash and a duplicate for XXXX XXXX for the same debt.
I did not apply for this loan. I have requested documentation to prove that this loan was applied for by me and the debt collection agency gave me a checking account and said the money had been deposited into this account.
I have not used the checking account for more than 5 years prior to the date of when the debt collector said I applied for the loan. I attempted to speak with the debt collector and I have on a recorded phone file where the debt collector threatened to have me arrested at my place of employment. The debt collector also told me that they would call my HR department and garnish my wages. On another day, the debt collector called and stated he was a police officer.
I made a police report and the Police Dept in XXXX said that there was a scam going on and that this had occurred to many people where there identity had been compromised.
My identity was compromised during an employment layoff in 2009 by the State of Texas XXXX XXXX and this is the only way they could have gotten my information.
I have contacted the credit bureau more than XXXX times, my attorney XXXX XXXX firm has requested documentation and neither of us have received documentation nor updates for more than 2 years..
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| 12/03/2018 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Older American, Servicemember |
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During lulls in work with my employer during the summer and fall of 2016, I sought help to keep other bills current by taking out loans against my vehicle and a personal loan backed by the vehicle. As things worsened I was unable to make the high-interest payments on the regular basis they wanted and sought some relief from the loan company. They gave a little relief on some of it, but a short time later XXXX XXXX repossessed my vehicle, selling it to settle my debts, but providing no documentation regarding the proceeds of the sale. They didn't provide any further details or overages, but then started collection action on the remaining loan.
They later submitted the alleged balance to collection agencies, where it currently resides with XXXX XXXX XXXX XXXX, which is currently reporting false or incomplete information, that doesn't show the original amount, doesn't show the payments I made, doesn't show that they may have been charging more than 200 % interest, nor that the loan should possibly have been paid off from proceeds from the sale of the vehicle.
I believe that XXXX XXXX 's reporting of this is in violation of my rights, since even if the alleged amount is correct, it is incomplete and misleading since I had made consistent payments to them, and is very negatively affecting my credit.
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| 11/22/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Older American |
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As astra put a collection on my credit reports on XX/XX/XXXX the debt was signed with XXXX XXXX on XX/XX/XXXX and was due on XXXX XXXX, please look at timing between XX/XX/XXXX and day reported by ad astra on XX/XX/XXXX during covid. XXXX XXXX any other payday loan companys do not assign a debt to collection for months because they have late pay charges and ACH On bank account which they run through the bank for months before giving up on the debt, I can make XXXX XXXX show there records to prove that in court. but let assume they did after XXXX months, again please look at timing between XXXX of XXXX and XXXX of XXXX when this debt reported to credit bureaus, by law they are responsible to send ar leat one if not XXXX maild notice to consumers and ask for validation of debt which at least a month to respond, first of all the address they had was not an home address it's a church address where I retrieve my mail, you can easily XXXX the address and see it XXXX XXXX XXXX XXXX, the church office was closed during covid 19 crisis and all mail delivery was suspended and even us postal service was delaying distribution of mail, nobody at that time was collecting debt of referring debt to collection because nation was in crisis and people ordered to stay home, and jobless, and I didn't receive no mail
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| 11/18/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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The Company XXXX XXXX XXXX XXXX posted onto my consumer reports stating that I owe them an alleged debt. I have no agreement with XXXX XXXX XXXX XXXX they have purchased a debt without me being involved in the transaction. This is a duplicate account pursuant to 15 USC 3002 I am a natural person You are a XXXX XXXX XXXX XXXX, who appears to be fraudulently claiming authority of this XXXX Office to administrate for the me XXXX XXXX.
You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on I the consumer, together with a certified copies of signatures contract between you and I, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any XXXX XXXX XXXX XXXX XXXX Agreement passing I XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon I XXXX XXXX. Courts require your contract for jurisdiction.
I the Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.
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| 01/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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There's 2 issues, Privacy and Interest/fees.
I took out a loan for {$1500.00} ( possibly went up to {$1800.00} ), and I somehow now owe collections ( on my credit report ) {$2300.00} for Speedycash. They started taking out {$500.00} payments every two weeks, and I'm sure I paid over {$4000.00} in payments to them over the course of months, maybe even more. How can I owe {$4000.00} + {$2300.00} for a {$1800.00} loan?! I guess I didn't understand the paperwork but this ruined months of my life and forced me to take out another payday/installment loan with someone else to pay my rent. And of course that snowballed into a disaster.
One point it got so bad I had to put a stop payment on an autopayment from them to pay my rent and they somehow got my debit card number ( I never gave it to them ) and made a payment to them on that. I think you can see in my emails attached I filed a Fraud report. I definitely filed one with XXXX XXXX. Now all of that was sent off to collections and I still owe them money somehow. So depressing.
Now I can't get apartment because my credit score is too low and this is the only bad thing on there except for {$270.00} for my old cable box I think?
Please help me figure out how to settle with them without paying them even more money. I feel so taken advantage of.
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| 09/18/2018 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX refuses to delete an account that is not mine, I have disputed the account on numerous occasions asking for a deletion. XXXX XXXX sent me a letter showing a signature that is not mine. I also filed a compliant before and XXXX XXXX advised me to place a fraud alert on my credit reports which I did before connecting the company regarding this issue. it was multiple accounts on my credit report that I had to dispute being that it wasn't my accounts and had no issues getting the items removed. They are still illegally reporting the fraudulent account despite me asking them to delete it from my credit report. This is against the FCRA laws. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if XXXX XXXX fail to comply with the federal law I will be forced to take further action. I am a litigation consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. This is my 3rd complaint with this company and they say the same thing each time! I received the validation letter! Which wasnt my signature!!! That is not valid signature! This isnt my debt I already filed a fraud alert on my reports I have done everything I was suppose to do! At this point Im considering getting my lawyer involved
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| 08/09/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I filed a complaint against Speedy Cash on XX/XX/XXXX to CFPB regarding a failed debt validation from Speedy under complaint # XXXX and a company in which they sold an erroneous debt to, AD Astra Recovery Services. Speedy responded back stating that I took out a loan ONLINE and that the payments were missed. I have asked several times for Speedy Cash and AD Astra to validate this debt according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), and they HAVE NOT done so. This account is fraudulent. I have asked that your company and AD Astra provide me with copies of any papers that show I agreed to pay what you say I owe ; prove the Statute of Limitations has not expired on this account ; AD Astra needs to provide proof that they are licensed to collect in the state of Texas, and to provide me with the license number ( s ) and Registered Agent or Agent of Service. NONE OF THESE ACTIONS WERE COMPLETED WITHIN THE TIME ALLOTTED. Also, within Speedy 's response under complaint # XXXX, they stated that a loan was taken out in XXXX of XXXX and that they tried to contact me in XXXX and XXXX of XXXX, which is absolutely false. Due to this erroneous reporting to the Credit Bureaus, a highly negative impact on my personal credit report has caused me financial harm and damage.
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| 01/06/2017 |
Yes |
- Bank account or service
- Checking account
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Web |
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On XXXX XXXX, 2016 I filled out a survey for XXXX to receive a free XXXX player. Once completed there was a {$2.00} shipping fee, which I paid using my Opt+ XXXX card. Within seconds I received a text for a charge from XXXX charging my card {$37.00}. I immediately called my bank to dispute the charge. I told the bank that I had taken a survey for XXXX and was only supposed to pay a {$2.00} shipping fee and apparently this XXXX company stole my card information. I told the bank I do not know this company and I did not order anything from them. No where on my receipt, that I printed out and sent to the bank, does it say anything about XXXX. It says the receipt is for an XXXX player. The bank then sent me back a bunch of XXXX that XXXX sent to them that I have never seen before. Even XXXX told them that I was filling out a survey for a free XXXX player, that I never ordered their product and that they never sent me anything. XXXX told me that they sent a chargeback to my bank however it was never put back into my account. Now granted {$37.00} is not going to make or break me, it 's the principle. Opt+ should be looking out for my best interest not XXXX XXXX. Again, I do not know this company, I never ordered anything from them, I never received anything from them and I want my money back.
|
| 08/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On the date of XX/XX/XXXX an account was opened in my name for a Speedy Cash account in the amount of {$900.00}. I joined the XXXX and left for XXXX XXXX XX/XX/XXXX. When checking my free annual credit report around XX/XX/XXXX, I noticed a collection from XXXX XXXX XXXX XXXX with SPEEDYCASH as the original creditor. After calling Speedy Cash about this matter, they told me that this account was in collections with a third party collection agency and that I needed to contact them for payment details. I kindly explained to Speedy Cash that this account was not opened by me, but they kept pushing the fact to call the collection agency and was done talking with me. XXXX XXXX XXXX XXXX did not help either, all they kept pushing was that I owed {$900.00} and how would I like to pay it. I explained to XXXX XXXX XXXX the same thing that I explained to Speedy Cash, I joined the XXXX and left for XXXX XXXX XX/XX/XXXX to XXXX XXXX, GA. where I remained for 2 months and 1 week. XXXX XXXX really blew that off and was still asking for payment. I have been disputing this collection for over 4 years now and I keep getting the same results which reads " Account information disputed by consumer, meets FCRA requirements ''. The last update was XX/XX/XXXX and this account is still open and hindering me.
|
| 05/08/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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My complaint is about XXXX XXXX located in XXXX, IL.
I checked my credit score today, XX/XX/2020 and noticed I had a negative action on my credit score due to a debt with XXXX XXXX XXXX. I called them and they said to call XXXX XXXX at XXXX XXXX because a lawyer was handling this case, which I have never been contacted my XXXX XXXX nor this XXXX XXXX. So I called asking questions about the debt, why no one has contacted me, and said I wanted to set up a payment arrangement. XXXX was rude, spoke over me, and wouldn't help me. I had to ask to have someone else call me back. XXXX called me back, and refused to let me make payments towards my balance because it was too low. That is ridiculous that they will not allow me to make payments. How do I pay this off since they won't let me? They are trying to scam me for more money. The debt is for {$1000.00} and will let me pay it off for {$1000.00}, but since I financially can not pay that amount in one lump sum, they want to charge me oer {$1400.00}. That is ridiculous. Then they wouldn't even let me set up a payment arrangement because he wants me to pay over {$150.00} a month. I told him repeatedly I can not afford it and he didn't care. What do I do?? Many people have had issues with this place according to reviews I have read online.
|
| 03/31/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
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On XX/XX/20 Speedy Cash charged my checking account in the amount of {$2100.00}.
I obtained a payday loan last year in the amount of $ 900ish dollars. I never paid it back or attempted to contact them which was a huge mistake on my part.
The collection agency " XXXX XXXX '' stated I owed Speedy Cash {$1300.00} for the payday loan, and the interest accrued for non-payment resulted in the amount of {$2100.00}.
I called Speedy Cash and XXXX XXXX to let them know I could not afford to pay the full amount they deducted from my checking account at this time, and requested for them to work with me but both parties refused. I requested a refund for the interest they charged me for non-payment, and even offered to make arrangements to pay the interest back but they refused.
I did not agree with the amount of interest I owed them and asked for an explanation on how the interest accrued to close to {$800.00}. They stated it was in the contract I signed. I explained to them I didn't have the contract, and requested for them to explain it to me but they stated they didn't have the contract in front of them. They indicated I would need to submit a written request for the contract by mail or fax, and they would fax or mail but it would take some time.
Please, help me resolve this issue.
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| 12/23/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter in the mail from Ad Astra Recovery Services Inc. on XX/XX/2021 Informing me that someone opened an account in my name, and I owed {$200.00} from a payday loan I never opened in my life. I immediately called and spoke with a representative and told him I NEVER in my life opened a payday loan, to which he replied, you didn't open the account, I emphatically told him NO. Then he said report it to your local law enforcement officials. I called the XXXX XXXX XXXX. number to report this fraud and identity theft, which XXXX. XXXX # XXXX said to call speedy cash and find out how this account was opened because you might have better luck than we the XXXX XXXX would. XXXX. XXXX asked me if I wanted to press charges, I said yes. I just want them to stop, he replied I understand.
Today on XX/XX/21 I called the speedy cash customer service number, spoke with XXXX who I explained what happened, and transferred me over to the collections department. XXXX answered whom I again explained what happened to her, she apologized that I was a victim of identity theft, and informed me the account was opened on XX/XX/21 and inactive, she told me that I would not be responsible for the amount owed on the account, tried to connect me with the dispute department but the transfer failed.
|
| 12/23/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter in the mail from Ad Astra Recovery Services Inc. on XX/XX/XXXX Informing me that someone opened an account in my name, and I owed {$200.00} from a payday loan I never opened in my life. I immediately called and spoke with a representative and told him I NEVER in my life opened a payday loan, to which he replied, you didn't open the account, I emphatically told him NO. Then he said report it to your local law enforcement officials. I called the XXXX PD N.E. number to report this fraud and identity theft, which XXXX. XXXX # XXXX said to call speedy cash and find out how this account was opened because you might have better luck than we the XXXX PD would. XXXX. XXXX asked me if I wanted to press charges, I said yes. I just want them to stop, he replied I understand.
Today on XX/XX/XXXX I called the speedy cash customer service number, spoke with XXXX who I explained what happened, and transferred me over to the collections department. XXXX answered whom I again explained what happened to her, she apologized that I was a victim of identity theft, and informed me the account was opened on XX/XX/XXXX and inactive, she told me that I would not be responsible for the amount owed on the account, tried to connect me with the dispute department but the transfer failed.
|
| 01/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. In 2016 my apartment was broken into and several identity documents were stolen, including my photo ID and social security card. I filed a police report with the XXXX Police Department - report ID : XXXX I have attached a copy of the police report to this complaint.
The debt being collected does not belong to me. I did not take out a loan, nor have I ever taken a loan, from " Speedy Cash ''. I have never taken out a payday loan period. I did not receive any funds or benefit in any way from a loan taken from this company.
During the course of this identity theft several accounts were opened in my name. All creditors were notified that these accounts were fraudulent and investigations were opened. I have attached copies of letters from other creditors who opened investigations and found these accounts were not opened by me.
Several bank accounts were opened in my name as well. I suspect whatever bank this loan was sent to was one of them. Bank accounts fraudulently opened in my name included XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these accounts have been disputed, closed and removed from my credit reports.
I have also attached the FTC affidavit of identity theft to this complaint.
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| 05/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX / XXXX XXXX PA XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative , I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 3 inquiry 's that were unauthorized, inaccurate, or made in error along with violating the Electronic Communications Privacy Act of XXXX.
The following inquiries are impermissible : 1. AD ASTRA RECOVERY SERV on XX/XX/XXXX for the amount of {$820.00} 2. XXXX XXXX XXXX XXXX and XX/XX/XXXX for the amount of {$1400.00} Please remove these inquiries from my credit report immediately.
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit 4. The right they have to record me without my consent Please also attach documentation to support the verification of these claims.
Thank you for your prompt assistance with this matter.
Sincerely, XXXX XXXX XXXX
|
| 09/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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I went into Speedy Cash and applied for a loan. I was first under the impression this was an installment loan then informed it was a payday loan. I was given {$350.00} in the store and option to go online and get more of the loan that I was approved for. I was told that was payment would be XXXX every pay day but that does not come off of the balance of the loan. This is all interest. I went online and received the additional {$470.00} and it showed the payment on that part would be like {$87.00}. Then when I received the statement when my payment was due it is now {$180.00} every payday of which NONE of this comes off of the balance. The interest on this is 565 %. How is this even legal?
This is a ripoff. I understand I took out the loan and signed the contract but I believed I was deceived in the way it was explained to me and what the payment said online. Of course now it does not show the lower amount after I signed the papers it has the {$180.00}. This is ridiculous that none of this comes off of the loan amount. I understand paying interest on a loan but 565 % if beyond comprehensible. I need out of this situation.
I dont mind paying small payments every payday if it is coming off the balance but I will never get this loan paid if all I am paying is interest.
|
| 09/20/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received an email XX/XX/20 from some person by the name of XXXX XXXX, stating that after receiving this email there will be legal actions with a warrant out for my arrest and they will be picking me up from my home and taking me into custody. Finally, this case is going to be downloaded in your State County Court and your Local County Sheriff department Monday at XXXX am as per your State Standard Time I did try reaching out to this person by calling serval times and did leave a voicemail message but no luck or a return call I also email them and he finally responded back to me at XXXX with again stating with the amount I owe of {$980.00} and with 317.5 %, principal amount, attorney charges late penalty, paperwork and late fees.
Kindly call on to settle this matter or provide your best number to reach you at as the issue at hand is extremely time sensitive. Your case file is getting merge to be downloaded right now then after it will be proceeded inside the court and you got ta find your self in a big legal mess by getting picked up from your home and work so before you face any kind of legal consequences i want to you to call me back and resolve this matter. I am waiting.
This is part of the other email he sent to me and now there is 2 different phone number.
|
| 11/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
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I applied for a loan from XXXX XXXX about 5 years ago XX/XX/XXXX to be exact for {$100.00}. I checked my credit score in XXXX and tried to dispute the account because it was closed and sent to a collector and the debt was also listed for {$240.00}. However, when I went to check my credit score again in XXXX they opened the collection again this time they changed the date stating that I opened the account in XXXX of XXXX, which is incorrect. I tried to dispute it again for incorrect information and they reopened the debt again reporting the date as XX/XX/XXXX and I have not been in contact with or received a loan from XXXX XXXX since XXXX. They have not sent me any mail or notice stating that I have a debt nor have they sent me anything saying why the loan has went up over {$140.00}. They keep reporting the debt on my credit and changing the date every year or two. Then when I try to log on or speak to someone I can never get in touch with anyone. The information they are reporting is false, I have not had or received a loan from this company. And they keep reporting an old loan that has been sent to a collection agency and should have been closed. Its inconvenient and unfair that a company can continue to fabricate and falsify documents and information.
|
| 07/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I am requesting for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that Avio provides me with competent evidence that I have any legal obligation to pay them. I am asking the Avio to please provide the following:1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my " WET '' signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. If proper validation of the alleged debt can not be provided, I demand Avio immediately delete and completely remove this alleged account from my credit file with all three credit reporting agencies ( XXXX, XXXX, and XXXX ). I also demand that the XXXX XXXX XXXX agrees to have no contact in any form with me regarding this alleged debt now or in the future. Lastly, I demand that Avio agrees to remove my personal information from all accounts in its companies database.
|
| 04/13/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This collection agency named Ad Astra Recovery put an collection on my credit report back in XX/XX/XXXX. I have never done business with this company and they are asking me for an amount of {$330.00}. I told them to delete this collection from all 3 credit bureaus but they chose to just send me an inaccurate contract. From XXXX XXXX-XXXX XXXX Ad Astra Recovery was reporting to all the 3 credit bureaus of an amount of {$330.00}, then in XX/XX/XXXX this amount when up to {$330.00} owed on all 3 credit bureaus and also reporting as an open account on XXXX and XXXX and closed on XXXX. which proves this collection accounts are open when they should be closed and Ad Astra Recovery is adding interest to an closed and inaccurate account. The account number on the contract and credit report are different : XXXX on my credit report vs XXXX on this contract Ad Astra Recovery sent me. Also on the open end loan history They do not even have my full address which is being reported on my credit report with XXXX report which I had to call to dispute for an second address reporting on that report. XXXX told me I couldnt delete a couple old addresses on my credit report because there are accounts connecting to that address. This inaccurate account is one of them.
|
| 03/19/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This debt was covered under bankruptcy. I hadn't had any problem with being contacted regarding this debt until the bankruptcy was lifted from my credit report the later part of XXXX I believe. Beginning XX/XX/XXXX is when XXXX XXXX XXXX began to appear on my credit reports, XXXX, XXXX, XXXX XXXX. By XXXX, I began getting calls then mailings. I disputed the item through the credit bureau at least 2 times now. The first time online, the second time I spoke to someone directly. I explained this debt was a part of my bankruptcy. Also I am a victim of identity theft and I am still having issues with accounts saying I still owe. I still have to get a auto loan that was paid off via my insurance carrier at the time due to an accident but the loan company submitted more money as a write off versus what was actually paid. That's another issue. I've have tax fraud, credit fraud, even bank fraud. I have been signed up with XXXX XXXX and XXXX, and I keep my credit report locked. I had received something a year or so ago regarding a class action suit against speedy cash and other payday loans. I don't know if this issue is a result of that or mis-communication. If able I will attach documents related to my complaint. What ever I can get. Thank you, XXXX XXXX
|
| 09/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I am XXXX, over XXXX years old, and I live of $ XXXX/month in XXXX income. On XX/XX/2019 I acquired a {$500.00} title loan. At the time of signing the loan, I was unaware, that my vehicle was used as a collateral for the loan. I was told by Speedycash Customer Service, that Speedycash would never repossess vehicles, because that " was not worth it ''.
Due to increased medical expenses due to my XXXX I felt behind with my payments. I contacted Speedycash Customer Service and they were absolutely unwilling to respond to my payment plan proposals and also very rude. All they did, is to overwhelm me with collection calls. So I wrote several letters to their Company Headquarters and also to their CEO 's office, proposing several different payment plans, that would allow me to pay off the loan with lower payments. I never received an answer to my requests. I tried a complaint with the XXXX in their area, also without success.
I simply do not know, what else to do, so I sent another letter in XX/XX/2019, asking them to write off the balance, if they are unable or unwilling to solve the issue with me.
However, I did make several payments in the beginning of the loan term, but Speedycash did not deduct them from the overall loan balance.
|
| 05/11/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
I took a loan out with Speedy cash for XXXX and I was told my payment was about XXXX a month and when I log into my account it shows this payment amount not due until XXXX, however I had to go to my credit union because they have pulled 3 payments for the month of XXXX and have tried several attempts to keep drafting payments in XXXX when on my account it states I am not due for a payment until XX/XX/XXXX. I have placed a dispute and a stop payment with my financial institution and have requested Speedy cash send me a balance bill being as I have no longer authorized them to pull from my checking account. The payments they pulled incorrectly caused me overdrafts fees from my financial institution as well. They have no actual location in the state I live in and it is nearly impossible to get in touch with someone to resolve the matter. I have not received the balance bill or even a call back in regards to my situation. I do not feel as though this company should be allowed to pull from my account when a payment is not due and was not authorized. They changed the payment amount from XXXX to XXXX for XXXX just to try and have it go through. I have already placed a stop payment on my account for any future transactions they try to do.
|
| 02/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020, Ad Astra Recovery Services added a derogatory mark with the amount of XXXX USD on my credit report XXXX, and XXXX ( Can be seen from XXXX XXXX as well ). Not to mention that Ad Astra Recovery Service could not validate their information with XXXX. Upon, further research, this account was transferred/sold from Speedy Cash to Ad Astra Recovery Services and I, the alleged DEBTOR, did not consent for the reselling of this alleged debt nor contract with either company. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and any person can send a bill and say it is mine. According to FCRA, Ad Astra Recovery Services has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. FCRA Sec. 1681q. Obtaining information under false pretenses - Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined not more than XXXX XXXX United States Dollars ( {$5000.00} usd ) or imprisoned not more than one year, or both. And also these fraud claims are also in violation of Title 18 U.S Code Section 287.
|
| 11/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
I made a pay day loan a a couple of years ago, which went unpaid when I was laid off due to Covid.
When I got my finances back in order, I repaid the debt that was outstanding. I can provide documents if needed.
However, weeks after I was paid off, suddenly another payment was taken out of my bank account after the fact I had already paid the debt. I called them to resolve it, and they asserted that I was still owing them. I called my bank to stop payment, and I figured they would stop trying to overcollect.
Later on, a collections account appears on my credit report from them, and the derogatory mark was reported not once, but now twice the original.
Ive been in credit repair and disputed them and asked them not to call, I do not owe them this debt, and they are falsely reporting data to extort from me.
To this day ; they are still calling me. I am reporting them in hopes that they can be corrected and to desist their harassment.
I also would like to request that they be fined and to pay for the financial hardship their false reporting has done to my credit score, and my sense of well being with their repeated calls.
They need to stop. Extorting people who have the least means to pay them.
Thank you very much.
|
| 05/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I've been keeping up with payments on this loan since XXXX of 2018 and haven't made hardly any progress repaying it. I owe hardly less than what I started at. This loan would be one thing if I was making monthly payments but the fact that they want payment every time I get paid is CRUSHING and what makes it so financially crippling. The expensive payments have caught up to me. I'm taking classes to better myself and enter a lucrative field ( Information Technology and Networking ) and because of this I'm working reduced hours. I'm making deliveries for food delivery apps and grocery shopping apps but it's still not enough to make all the ends meet, particularly towards the outrageous expense of this loan. I need help. The payments are too high and too frequent for me now and i don't know what to do. I've tried getting a debt consolidation loan but have yet to find a company to help me because my overall debt is only around {$8000.00} ( the Avio Credit loan is approximately {$3000.00} of that ) but for me that's a LOT of money, especially as I'm goong through this part of my life where I'm trying to get an education that'll result in a better paying and more fulfilling job. As i said, i don't know what to do and i need help.
|
| 01/22/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Company Speedy Cash onXX/XX/XXXX amount of {$310.00} Speedy Cash on XX/XX/XXXX amount {$260.00} Speedy Cash on XX/XX/XXXX amount {$310.00} Speedy Cash on XX/XX/XXXX amount {$290.00} Speedy Cash on XX/XX/XXXX amount {$300.00} Speedy Cash on XX/XX/XXXX amount {$310.00} I have disputed these loans several times through the credit disputes and this creditor keeps me in debt of these loans that I have not taken out.. I took out a loan in XX/XX/XXXX that was paid off and I also took out a loan XX/XX/XXXX that was unpaid because I have not straightened out these other fraudulent loans on my credit.. I have asked this company several times to remove or show proof that I applied for these loans or even received any money from these loans but they would not show proof or any documents.. I have been trying for years to resolve this issue .. it is tearing my life and credit apart.. I keep disputing but no avail. the credit bureaus have incompetently filed a dispute but they have not resolved the matter or gotten any proof from the company. Please have this company remove these fraudulent loans from my credit or show any documents showing this was me.. I filed an identity theft on my report also but that did not resolve the issue either
|
| 07/07/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I applied for a loan of {$120.00} at the location on XXXX. After a month of deducting charges from my account to pay the interest, I went into overdraft, and each recurring charge for bills, including Speedy Cash, were returned. This continued until XXXX XXXX, when I finally did have money in my account. That day, I was charged {$200.00} by a company called XXXX XXXX. I did n't recognize the company, so I disputed it as fraudulent. It was n't until I contacted Speedy Cash that I found out who XXXX XXXX really is-their affiliates. Furthermore, they refused to refund the money, and XXXX XXXX did not reverse the charge. Then, on XXXX XXXX, I was once again charged the exact same amount ( {$200.00} ) ; this time the charge DID in fact say Speedy Cash. I went back to the location with a copy of my statement to confirm that they had charged me twice, and that I needed a refund. I was helped by a man named XXXX, who emailed my statement to the corporate office in Kansas to have the charges reviewed. Thankfully, the next day, I received a refund. However, I 'm still receiving calls from Speedy Cash, who are now claiming that I still owe them the amount that was refunded, because the charge from XXXX XXXX was returned to my account.
|
| 06/11/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
This is the first time I am hearing about a debt that I owed for Speedy Cash.
I emailed them disputing this transaction and requested proof of debt.
Listed below is what was included in first email : SPEEDY CASH SERVICE Attention, Lawsuit Court Case # XXXX LAWSUIT COST- {$1800.00} ( INCLUDING ATTORNEY FEE/ACCOUNT VALUE/LATE PAYMENT COSTS/INTEREST COSTS/COURT FEES ) Attorney : XXXX Rector XXXX XXXX, CA, XXXX.
SETTLEMENT AMOUNT - {$880.00} For settlement reply on : - XXXX SUBJECT : LOAN Settlement AMOUNT- {$880.00} One Time Settlement Amount : - XXXX Received another email from XXXX XXXX XXXX Senior Investigator aXXXX XXXX XXXX XXXX stating the following : Hello XXXX Case No : XXXX After receiving this email we will issue a legal warrant on your name within next couple of hours so before you do anything read this email very carefully and respond back early as possible.
You are hereby notified that a lawsuit has been filed against you for three serious allegations. Speedy Cash is a client of ours, and we are going to be representing them in future legal proceedings.
The charges with Speedy Cash pressed on you are : XXXX ) Violation of Federal Banking Regulation 2 ) Collateral Check Fraud 3 ) Theft by Deception
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| 01/10/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I obtained a payday loan in XXXX from Speedy Cash. My checking account was closed in XX/XX/XXXXdue to someone committing fraud on it. As a result Speedy Cash was unable to collect the debt. A few years went on and I got a call from Speedy Cash as well as XXXX XXXX XXXX XXXX. In XXXX I wanted to pay this old debt so I began communicating with both companies. A representative with XXXX XXXX as well as Speedy Cash promised to delete the collection from my account if I paid the debt IN FULL. In early XX/XX/XXXX I paid the account in full at {$310.00}. The debt reflects a XXXX balance. What Im upset about is that I have called Speedy Cash 13 times to discuss the removal that was promised. I called XXXX XXXX 12 Times requesting that they hold their end of the bargain. They deny promising to delete the account and they told me that they will pull up a recording of the conversation to prove that they did not promise me to remove the account. I havent heard back from them. I would have not paid this account if I was not promised this Paid to Delete. Me paying no the {$310.00} didnt do anything to my credit score. Im happy its paid but Im very u happy with their collection practices. Please help. I can be reached at. XXXX
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| 09/06/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with the original signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
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| 07/21/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX XXXX has been calling me almost 2X 's a day ( or every other day ) for the past 2 months. I've spoken to 2 agents. I spoke with an agent about a debt they have stated was owed to Speedy Cash-loan company. The agent stated that they bought my information from Speedy Cash. He couldn't tell me the year the so called debt was unpaid. I advised that I have used this agency before many times & paid my loans. They have started sending me letters & stated that they will keep reporting this as a debt on my credit. I asked how did they by my information, the agent did not know. I kept telling the agent that this is incorrect. I called the Speedy cash that I went through on XXXX XXXX, in XXXX, Tx & they no longer have anything on me that is passed due. I am a regular person & have also been hack around XXXX from my XXXX account. I have deleted that account & submitted a complaint about being hacked to the XXXX site along with documentations on the hacking. The agent also mentioned to me my current banking association & I informed him that the bank he mentioned was incorrect, so I hung up the phone as I realized that this might be another scammer/hacker trying to steal more personal information from me.
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| 09/06/2016 |
Yes |
- Debt collection
- Payday loan
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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I called adastra recovery services because I recieved a scam call claiming to own the loan. XXXX XXXX reisured me that it was a scam. The supervisor named XXXX then asked what I would do about the debt. I explained that I could not pay it at the moment. He then started asking if I could borrow the money. I explained no one will lend me the amount. He then proceed to call me lazy and not willing to work with them, he even went as far to say he is debt free and was not a dead beat like me. I then was reduced to tears and asked him kindly not to call me he said he would continue. I then stated it was a cell. He then agreed to discontinue communication. As I hung up he called me a joke of a man. When I complained to XXXX XXXX and there quality control Specialists they then sent the debt back to speedy cash " the original debt ''. Speedy cash did take another complaint but I have asked numerous times for an apology or just someone to aknowledge my complaint. I have left numerous messages with XXXX to call me back and she has failed To do so. The debt is no longer an issue because speedy cash said it is taken care of. So there is no more debt all I 'm seeking is an apology or aknowledgement of my complaint.
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| 09/16/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Loan payment wasn't credited to your account
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Web |
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On XXXX/XXXX/XXXX, I called XXXX XXXX XXXX XXXX title loans XXXX, and was transferred around with no resolve. They stated that they were not the main lien holders, but were the secondary. I contact the other supposed lien holder and they stated that they were not the lien holders, but XXXX XXXX were the original lien holders. I then called back XXXX XXXX and they did verify that they were the lien holder and was transferred to the bankruptcy dept with no resolve, and could not leave a voice message. I in total was transferred 12 to 13 times and I still do not know who has my title for my car.
I had declared bankruptcy in XXXX, and the balance in the amount of {$4000.00} should not be owed and should have been included in the discharge. I am disputing that this company still has the right to hold my title due to this reason, and I have not been able to get in contact with anyone with this company in regards to this.
I would very much appreciate some assistance with this, as this title loan was originally initiated 8 years ago, and is considered to be a very old account according to the company. Let me know if you need anything else in regards to this.
Thank you and have a great day.
XXXX, XXXX
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| 12/23/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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|
Web |
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Hi, Wow, where do I start? I took out an installment loan with a company called Speedy Cash to pay for registration for a new car after my old one was totaled. I was in a bad way, in a difficult job not making a living wage, and had just borrowed money from family to buy the car. I really needed the money, so I took the best deal that I could find. Bad move.
My credit is n't great ( though it 's light years better than it was even a year ago ), so my loan options are less awesome. Paying Speedy Cash is fairly straightforward, but my issue is with their ACH authorization.
I now know that I never should have signed that document. I understand that I have the right to revoke authorization, but their agreement stipulates that if I revoke authorization they 'll attempt to withdraw the full amount due for the loan from by bank account via preauthorized draft. I would like to revoke ACH authorization and pay monthly on agreeable terms, but that provision makes revoking authorization impossible.
I understand that I agreed to this and that there are consequences to that, but still, it seems that this is n't a great situation to be in. I do n't know if you folks can help me, but I sure hope so.
-XXXX
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| 08/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
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Web |
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In 2018 I got a loan from " SPEEDY CASH '' in XXXX, CA fro {$5000.00} which I was making monthly payments on it ; then I lost my job and I couldn't pay the amount I was told, I went to their office to try and making a new payment arrangement but they denied me that help, they told me to wait and the more I waited the more interests it accumulated, this company charges ridiculous interests very very high ; which is 131.571 % annual, and every time I did a payment I never saw the total amount going down it was always the same because of the excessive interests, after the help was denied, I noticed they put me on collection with adding {$1500.00} more to the interests ; I called the collection company " XXXX XXXX XXXX XXXX '' and I try to do a arrangement and they also denied me help after that this collection tried to cash a check for {$6300.00} from the account without my autorization ; I truly ignore the very high annual interests, Speedy Cash Loans is a very bad company I will never recommend this to anybody ; for {$5000.00} you will end up paying the ridiculous amount of {$23000.00} after you are done with all the payments, meaning that the Financial charge is {$18000.00} plus the {$5000.00}.
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| 04/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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The account with speedy cash was never mine to begin with so I disputed it over a hundred times I have letters from speedy cash the original creditor and also from the third party collector ad Astra both stating the account was never mine it was open fraudulently and that they have requested the collection to be removed from my credit report yet it is still on my credit report Ive sent the letters to all three agencies only to be told that they can not do nothing until ad Astra tells them to do it. Due to this collection remaining on my report I was days away from closing on my home for my family after a long struggle to repair my credit due to this collection my score dropped XXXX points over night and continued to drop with no relief in sight as I stated before this collection was open fraudulently without my knowledge since then Ive tried to remove it I actually paid it in full just to have it removed and it was a part of my XXXX XXXX bankruptcy but yet remains on my report. Ive spoke on the phone over 100 times with ad Astra and speedy and XXXX and XXXX and XXXX only to be told the same thing Ive done everything asked from me but still have no help in regards. Please help.
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| 07/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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Ad Astra Recovery Services violated my rights.
In accordance with the Fair Credit Reporting Act 15 USC 1681 & Fair Debt Collection Practices Act 15 USC 1692 Ad Astra Recovery acct # XXXX, has violated my rights.
15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.
15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.
15USC 1681 Section 602 A. States I have the right to privacy.
15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that any debt collector is in the debt collection business or that the communication relates to the collection of a debt.
15 USC 1682. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
15 USC 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
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| 04/05/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
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|
Web |
Servicemember |
|
The company sent me an email from a dummy email address claiming I would be sued and jailed if I do not pay thousands of dollars. I received the email with identifying information about myself which led me to call the debt collector to see what the company was emailing me for. Upon speaking with a rep ; that demanded I verify my info ; I spoke about the email and the thousands of dollars and jail time the email spoke about. The rep said the email was not from them but using my info ; she was able to search and find 2 old accounts for me. Weeks later, I have an alert on my credit with the information of a supposed debt I owe and it was updated as being 1 year old and I have not had any loans for for over 10 years. The company used the email to get me to contact them because of the outrageous claims in the email ; demanded I verify my info ; blamed scammers or another company when I filed my initial complaint with CFPB then added the old outdated debt to my credit and re-aged it to being 1 year old. This is a FCRA violation. I did not call about a 10 year old account ; the agent mysteriously found in the system. I did not discuss the account. I discussed the email I received.
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| 04/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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The account with speedy cash was never mine to begin with so I disputed it over a hundred times I have letters from speedy cash the original creditor and also from the third party collector ad Astra both stating the account was never mine it was open fraudulently and that they have requested the collection to be removed from my credit report yet it is still on my credit report Ive sent the letters to all three agencies only to be told that they can not do nothing until ad Astra tells them to do it. Due to this collection remaining on my report I was days away from closing on my home for my family after a long struggle to repair my credit due to this collection my score dropped XXXX points over night and continued to drop with no relief in sight as I stated before this collection was open fraudulently without my knowledge since then Ive tried to remove it I actually paid it in full just to have it removed and it was a part of my XXXX XXXX XXXX but yet remains on my report. Ive spoke on the phone over XXXX times with ad Astra and speedy and XXXX and XXXX and XXXX only to be told the same thing Ive done everything asked from me but still have no help in regards. Please help.
|
| 08/21/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
|
I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
|
| 02/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
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I had a loan with Speedy Cash back in XXXX, I have been working with a credit repair company and the account was in dispute, and have had no commination with this company since XXXX. Ad Astra RecXXXX created a digital check dated for XXXX in the amount of XXXX and deposited a the fraudulent check into my account as if I just wrote the check. My bank did not honor due to NFS, however, once my bank found out where and how the check was submitted they opened a fraud case. I want to file a complaint on Speedy Cash DBA Ad Astra RecXXXX for creating and submitting a fraudulent check that I did not authorize nor singed into my account when I have not communicated with this company since XXXX, and without a court order or any other action that should be taken prior creating and submitting a check that I did not authorize. I have also file a complaint with the Ohio Attorney General office. I did not authorize nor sign a check dated XX/XX/XXXX for XXXX to Speedy Cash nor their collection company Ad Astra RecXXXX. Not to mention, how I know the check is fraudulent, they put my new current address on the check ( which I know they did not have ) to make the check appear to recent.
|
| 02/09/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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In XX/XX/XXXX, I went to Speedy Cash at XXXX XXXX XXXX, XXXX, CA XXXX. I m a returning customer who requested a payday loan, but the store representative could not locate my account. She created a new file and had me complete a new application. I was advised by the store representative that a soft pull would be conducted on my credit report, and I would not receive a hard inquiry if I turned in an application. I found out weeks later that I did receive a hard inquiry under the name XXXX XXXX, also known as Speedy Cash. I went back to the Speedy Cash in XXXX and told the manager XXXX what happened. She also stated it should have been a soft pull. I told XXXX if I knew there would be a hard pull, then I would have never applied because I can't afford any inquiries at this moment.
She provided me with the Corporate phone number XXXX, and the email : XXXX. I called and spoke to the representative XXXX XXXX and explained the situation. I was assured by the representative that the hard inquiry would be removed due to the nature of the incident. As of XX/XX/XXXX, the inquiry remains on Equifax.
The remedy I am seeking is to have the inquiry removed from all credit reports.
|
| 02/07/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
Older American, Servicemember |
|
About a week ago I was contacted by someone from Ad Astra Recovery Service the man name was XXXX XXXX stated that I would be going to jail since it is considered theft in the amount of {$6700.00} XXXX told the man XXXX that I am disputing that since it only shows on my XXXX credit report. XXXX then raised his voice and demanded me to get my check book out and set-up a payment arrangement right now. I got upset and told XXXX don't yell at me sir, I'm an elderly woman XXXX then said ya an elderly woman who can't her XXXX bills. He then began to say rude an mean things such as maybe you did forget XXXX XXXX does hit people around XXXX. I was extemely upset after this phone call and I have never been spoken to this way. XXXX advised me to make a payment within the week otherwise the sheriff will be handcuffing me and taking me to jail. XXXX went as far as to say I'll have to be someone's girlfriend once I'm booked and processed. Is this legal at all. Why would this company Ad Astra Recovery Serv allow these type of people to represent them. I asked to speak with a supervisor XXXX said he is XXXX and not to bother because I would need to focus on finding me a girlfriend.
|
| 10/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with the accounts listed under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report and have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
|
| 02/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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|
I called the company to let them know. I never signed a contract. That stated, this account has my authorization to be sold to a collection company. Also I told them in writing and on the phone. I seen they sent my account to AD ADSTRA Collection Company. And they are reporting on all three Credit reporting Agencies. The debt as well. Under Speedy Cash with a past due balance. Per the FCRA, it is illegal to report a debt for payment. When the debt was either written off or sold to collections.Im not suppose to be charged for such debt twice. Ive been reporting this illegal act for several months, now. Only to be told this was okay and legal by Speedy Cash. I feel violated and taken advantage of by Speedy Cash. Im XXXX and live on a set amount of benefits. I am willing to sue Speedy cash. For pain and suffering from this stress being put on me illegally. I have tried and tried to dispute this account on XXXX especially. However, Ive reported on all three Credit Agencies reports. Ive sent Validations letters to all three Reporting Agencies, with no response. If this illegal account is removed from all three reporting agencies. It would be a great stress of my being.
|
| 06/07/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX XXXX ( XXXX ) has recently placed derogatory information on my Credit Bureaus. This information was removed prior to under another Kansas-based collection agency by the name of XXXX XXXX XXXX/Collections for an original debt with a vendor named Speedy Cash.
Back about 3 months ago, the XXXX XXXX/Speedy Cash collections account was removed after putting in a dispute and providing the necessary and requested information to verify my identity as to whom I am and the US Postal service in XXXX, TX, which reflected the PO Box used to commit the fraud was in fact a noted address used for an ID Theft scheme and fraud. I signed notarized statements to this effect and was informed the Speedy Cash issue was resolved with its collections removal.
For XXXX now to have purchased the account and have not contacted me, even though I have resolved this matter, has shown bad faith and a deterrence to resolve this matter without any further need for resolution. It is believed that this re-victimization is a ploy to aggravate and force me into paying a debt that I do not owe nor is my debt specifically due to ID Theft from the time period all of this previously occurred.
|
| 02/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I dont recognize the loan amount and date and place they open the collection account.
Initial date and address and the store location mentioned for speedy cash in the amount of XXXX and the location XXXX Texas dated XXXX as per records don't even match my physical presence on that date I was not present physically in the state of Texas.
I did had speedy cash loan but on a different date and different location and stare which was completely paid and never renewed, I do believe it was duplicated in my name on a different location n time.
I m hereby attaching sone receipts from XXXX I was driving and food delivering commerce California and was physically present in XXXX XXXX California.
I dont hv XXXX account anymore but I m trying to retrieve it further, I have tried agency for disputing it credit repair tried self dispute but the collection agency XXXX XXXXXXXX keep on posting it on my credit report back to back without giving me a decision or naturality of fact how can I be possibly physically present at 2 places at same time.
I have given more proofs via credit repair but I no longer working with them was not satisfy if needed I can provide more
|
| 02/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I called the company to let them know. I never signed a contract. That stated, this account has my authorization to be sold to a collection company. Also I told them in writing and on the phone. I seen they sent my account to AD ADSTRA Collection Company. And they are reporting on all three Credit reporting Agencies. The debt as well. Under Speedy Cash with a past due balance. Per the XXXX, it is illegal to report a debt for payment. When the debt was either written off or sold to collections.Im not suppose to be charged for such debt XXXX. Ive been reporting this illegal act for several months, now. Only to be told this was okay and legal by Speedy Cash. I feel violated and taken advantage of by Speedy Cash. Im XXXX and live on a set amount of benefits. I am willing to XXXX Speedy cash. For pain and suffering from this XXXX being put on me illegally. I have tried and tried to dispute this account on XXXX especially. However, Ive reported on all three XXXX XXXX reports. Ive sent Validations letters to all XXXX Reporting Agencies, with no response. If this illegal account is removed from all three reporting agencies. It would be a great XXXX of my being.
|
| 12/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I disputed the accuracy and completeness of this account on XX/XX/2022 and AD ASTRA RECOVERY SERVICES certified and verified that the information being reported is accurate. After AD ASTRA RECOVERY SERVICES verified the information as being reported accurate on XX/XX/2022, I pulled my XXXX consumer report and noticed that the information is still incomplete and inaccurate. It's clear that AD ASTRA RECOVERY SERVICES failed to conduct a reasonable reinvestigation. This is a failed requirement of Regulation V under 12 CFR 1022.42 and a violation of 15 USC 1681s-2 ( b ) of the Fair Credit Reporting Act and CITI BANK NA is liable under 15 USC 1681n and 15 USC 1681o . There is abundant evidence that AD ASTRA RECOVERY SERVICES was abusive, deceptive, and unfair in their debt collection practice and it's clear that AD ASTRA RECOVERY SERVICES used false and misleading representations, causing me to be oppressed and abused. This is a failed requirement of Regulation F under 12 CFR 1006.18 and 12 CFR 1006.14 and is a violation of 15 USC 1692d and 15 USC 1692e of the Fair Debt Collection Practices Act and AD ASTRA RECOVERY SERVICES is liable under 15 USC 1692k.
|
| 07/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The credit bureaus stated they investigated my account and issue correctly but this is not true because XXXX is still reporting account name XXXX XXXX account number XXXX i already got this removed from my other XXXX reports but XXXX insists on keeping it. this is not the first time but my rights have been violated on numerous accounts. all three bureaus do not have all my information correct this is a direct violation of my rights. also to begin with the bureaus took longer than 30 days to complete my investigation.
15 USC 1681 section 602 A. 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 a account without my written instructions.
The following are all accounts in which i did not give written consent to furnish on my report : XXXX XXXX XXXX ( DEBT COLLECTION TEAM DIRECT VIOLATION, I NEVER GAVE THEM THE RIGHT TO CONTACT ME OR OBTAIN MY INFORMATION. ) XXXX, XXXX OF XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX CARD, XXXX BANK, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX CREDIT, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX
|
| 05/04/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
The lender or merchant, Rapid Cash or Speedy Cash, obtained and fraudulently charged my debit card without my authorization on an outstanding balance from 2007 in the amount of {$800.00}. This transaction was not authorized by me and the statute of limitations of six ( 6 ) years has been exceeded in the state of oregon. I have contacted the merchant XXXX, and XXXX times they have been uncooperative and refusing to return my monies back to me. I have disputed the transaction with my bank and have filed a police report as I feel that the merchant has commited a crime. I 've also reported the merchant to Oregon District Attorney, Consumer Protection Agency and the Attorney General of their fraudulent activity and in attempts to get my monies returned to me. This unauthorized transaction took all of my paycheck that was also direct deposited on XXXX/XXXX/15, leaving me with literally no monies at all for the next two weeks, most importantly basics like living expenses ( i.e. food, transportation expenses, necessities, needed medication refills such as XXXX, etc ) and for bills that are now going to be past due ( i.e. rent, utilities, car repair, etc ).
|
| 10/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Hello.
I am currently working with Speedy Cash to pay off my loan with them. My payments are going through with them and there is no trouble even though I had been behind for some months.
Another party called XXXXhas been harassing me the last week with over XXXX emails, a few long text, and phone calls.
They have threatened to come to my house and my workplace. They first said by XXXX and then they switched their wording to XXXX. They have threatened to sue, adding amounts each time they send an email. They are also asking for my payment information and private details. I dont believe my speedy cash loan is supposed to be collected by XXXX and they are being inhumane, disrespectful, and using threats and words of harassment. They repeatedly said they will come to my house and workplace. Along with many false claims and rude comments I need this to be solved.
Speedy cash is working with me and there are no issues between us. XXXX however has some of my info and is wanting all my info. Not sure what else I can do about this and Im worried they can try finding me at my old address and workplace.
I will attatch all emails and records shortly
|
| 11/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX : Have been going back and forth with company for months. Stopped a few months because I gave up. Recently have tried again the beginning of this month. XXXX XXXX XXXX XXXX is on my credit report twice with the same account number, but have different amounts, dates opened dont match and balance do not match which is against the FCRA XXXX Please see and compare both screenshots with the same account number listed twice but different information ( SEE SCREENSHOT ATTACHED ) AD ASTRA RECOVERY : Account status is listed as OPEN on a supposed-to-be collection account under XXXX and XXXX, but closed XXXX XXXX. Also reporting a slightly different balance. ( SEE SCREENSHOT ATTACHED ) XXXX XXXX XXXX : XXXX listing as OPEN on a collection account, listing closed on XXXX. Accounting not reporting 100 % accurate across both reporting bureaus. This is against the FCRA. ( SEE SCREENSHOT ATTACHED ) XXXX XXXX XXXX : THIS COMPANY IS NOT REPORTING THE SAME INFO ACROSS EACH REPORTING CREDIT BUREAU AND LISTING ACCOUNT OPEN WHEN IN COLLECTIONS AND ACCOUNT NUMBER DOES NOT MATCH UNDER XXXX. THIS IS NOT FCRA COMPLIANT ( SEE SCREENSHOT ATTACHED )
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| 06/24/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I keep getting similar emails in my spam folder from Speedy Cash threatening to take legal action against me if I do not pay right away but they never leave a phone number to call and the emails look like it could be a scam. I did take out a loan back early XXXX which did end up defaulting for the amount of {$650.00}, however, I am currently in a chapter XXXX bankruptcy and I remember including Speedy Cash in my filing back in XX/XX/XXXX. Please contact this payday loan company and stop these harassing emails and constant phone calls. I have a spam block on my phone and keep getting weird numbers multiple times a day but they never leave a message. Please investigate and let me know if this is a scam based on true information from the past and let me know what I should do next. I have forwarded similar emails from Speedy Cash to my lawyer and he said this was most likely a scam and not to worry about it but these emails are talking about serious legal actions involving my place of employment so I'm extremely stressed out about it. I've never gotten anything from them in the mail to back up their claims so I don't know if this is legit.
|
| 12/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with fraud alerts or security freezes
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Web |
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A loan was taken out using my name and my information without my consent. I was never aware that a loan was taken out through speedy cash. I filed fraud with them and they never replied to me contacting them twice and stating that I never acquired a loan with such a lender. I then received a letter in the mail stating that I was past due by {$250.00} and that is all of the information that the letter contained when I contacted them they told me that there was a loan taken out in my name using my information for the amount of {$400.00}. I never signed a contract or note.. The only reason I came to find out about speedy cash was because in the beginning of XX/XX/2018 money was being taken out of my account from speedy cash. so I went ahead and filed fraud with my bank and I obtained a new account number. Then speedy cash began to take money out of my debit card so I had to get a new debit card as well.. when I contacted them and reported all of this activity as fraud they never did anything about it. now they are charging me for a loan that I never took out.. I WENT AHEAD AND FILED A POLICE REPORT AS WELL WITH MY LOCAL POLICE DEPARTMENT.
|
| 10/17/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
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|
Web |
|
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Speedy Cash of KS Missouri and XXXX XXXX have decided that though I never gave ANYONE authorization to use my debit card, I have been charged XXXX for an account that I dont nor never had. After trying for one week to get through to XXXX XXXX to reverse the charges, reissue my card and file a formal complaint after 6 weeks they send me a letter telling me that Speed Cash presented them with documentation that I authorized this payment. Whatever they presented had to be fraudulent as I have never given anyone authorization to take XXXX from my meager SSI account. How can I get my money back and make sure this does not happen to me again. Speedy Cash stated that since it was done online, they did not need authorization and refused to return my money. Now, they have docs that say I authorized!! this is straight up fraud. I want them to present to me or an attorney this documentation. Whether it was my sister, son or brother that took my card and used it, it was not authorized. I have had to borrow money to buy groceries, do laundry and other expenses. I start XXXX with XXXX in the hole. How can they get away with this? PLease help me!!
|
| 05/26/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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I went online to apply for a loan in XXXX I was offer XXXX dollars. I made my month loan payments based on I was told my month fee would be XXXX . I 'm thinking that this amount Is going towards the total amount borrowed. Well I found out today that this was not true. That amount was only paying off the 700 % interest rate on the loan which I find ridiculous for anyone! I think these Fast cash place should be shut down. They are not helping in any way, it 's all a scam and a Rip Off. T hey flood you with so much paper work and fine print that there 's no way to understand what it is your signing up for. I think there all Rip Offs and Prey on people that are in need. This economy is shot to XXXX .. everyone is out to take advantage of the less unfortunate. I do n't know how these company sleep at night taking advantage of people! It 's all a set up to get more money out of people who already need financial help. I myself will never ever borrow money from a cash place and make sure everyone I know to not borrow anything from these types of companies. This is exactly why people do n't trust the banks or any of these companies!
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| 03/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
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|
Web |
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XXXXapplied for a personal and received a call from a loan specialist. He stated he needed more information to ensure the loan will be approved. He then called back stating he was still working on my loan and that he wanted to perform a cash credit booster to y score and I asked him to explain the process too me. He stated he would be making a one time deposit into my account and I would need to forward that money to him before they would provide me with the funds that I was approved for. I was reluctant and said ok go ahead and make the deposit. Then I received an email from XXXX XXXX support stating they had received my dispute and that all was under investigation. The loan officer continued to call Even after I blocked him and all the additional numbers he was calling from. I then noticed I couldn't access my account due to password being changed. He had reversed a {$330.00} water bill payment and a {$180.00} XXXX payment and 7 return check fees totaling {$760.00} which in turn interefered with me making it to see my landlord on time and now I am evicted and told to vacate premises by XX/XX/21 due to owing landlord {$920.00}.
|
| 10/04/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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XXXX XXXX has placed a collection item on my credit report on XX/XX/2015. Related to a Speedy Cash loan that I never took. I called XXXX XXXX many times to tell them it is not my charge. They want my social security number which I will not give them. I told them I never received money from Speedy Cash nor did I receive bills nor did I take the loan. They said without my social they have nothing to say to me. I have entered disputes with 3 credit reporting agencies, placed a dispute with the XXXX who got Speedy Cash to mail me the loan documents which show and e signature, typed signature, and auto debit form for an account with XXXX XXXX XXXX with no name on it for the account holder, a cell number on a document that was never mine. I asked XXXX to request application information. The lender said due to privacy issues they will not provide. I filed an identity theft form on the FTC web site. This has stopped me from refinancing. I have perfect credit report, all trade lines paid on time. I also sought the advice of lawyer who I would have to pay {$500.00} to review my case and determine if he would help us to sue both companies.
|
| 03/29/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Older American |
|
I received the attached email from Speedy Loans threatening to take me to court and have me arrested for a debt that was discharged on XXXX/XXXX/2010. I have not taken out any other loans with this company since 2010 so not sure why they are contacting me and threatening me. I think I received a call from them about 2 years ago and when I asked them for information they had on me for this loan, they gave me a social security number that was not mine and I told them that at the time. I do n't know what this is all about but now they are sending me threatening emails to my work place. I was working for the same company when I filed my Chapter XXXX BK. They did not provide a phone number, only an email address to respond to and the sender is using a " gmail '' email address. This is the email address they want me to respond to : XXXXXXXXXXXX XXXX mailto : XXXXXXXXXXXX I have also attached a copy of their email communication regarding this debt. All they have is a case number but no account number either and they want almost {$9000.00} for a debt that they have on file for {$840.00}! Your assistance with this is greatly appreciated.
|
| 12/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
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A scammer pretending to represent Speedy cash call XXXX XXXX XXXX lied to my daughter stating that he would bring her credit score up and a XXXX will be deposit to her account after two deposit to her account to bring her credit score to XXXX. My daugther had a problem with her bank account with some other transaction and could not use it to have the money deposited. I let her borrow my account to deposit this amount. He deposited XXXX and instructed my daughter to ask me to transfer her to her XXXX account and she proceeded to send it to an unknown woman. He then lie to her stating her credit report was not high enough for the loan and wanted to repeat the transaction using my bank account. I completely refused and told him by calling the number above that I will report him to your organization. I recently received a claim letter stating that a temporary credit will be put in my account after my bank complete an investigation. This transaction was made through an ATM. I know this is a scam and they are trying to utilize my bank account to transfer money. Please contact this scammer above or track his address for investigation.
|
| 11/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
( AD ASTRA REC ) Third Party Debt Collector, who appears to be fraudulently claiming authority of this Executor Office to administrate for the { XXXX XXXX }.
You will forthwith return and transmit your written evidences of your delegated authority to represent that you and ( AD ASTRA REC ) is authorized to administrate ( acting trustee ) on the { XXXX XXXX }, together with a certified copies of signatures contract between you and consumer name, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing consumer name private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the { XXXX XXXX }. Courts require your contract for jurisdiction.
Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.
If you lack understanding of this complaint, forward to your ATTORNEY
|
| 05/05/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Had taken out a loan through Speedy Cash for payments on the XXXX and XXXX of every month in amounts of no more than {$39.00}. Informed the representative from Speedy Cash on their recorded line that i was recently unemployed and do n't have payment for them as well as there was no amount in the account ( which was forced to put on file before loan was issued ). The company attempted multiple times to force payment ( s ) on XXXX / XXXX / XXXX after being informed not to take payment. These now unauthorized force of payments caused multiple overdraft fee 's through my bank of $ XXXX {$5.00} on each attempt. On XXXX / XXXX / XXXX Speedy Cash forced the multiple unauthorized ( date of XXXX / XXXX / XXXX not authorized and verbally informed them on phone no funds in account to take ) payments of {$110.00} from my XXXX XXXX XXXX sons XXXX which is now deposited into my account. I had called them and informed them the payments were unauthorized and to remove my form of payment immediately to which they replied we will remove the card on file and did not address the unauthorized payment.
|
| 01/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Pursuant to 18 USC 8, I owe no debt. This company is violating My consumer right to privacy pursuant to 15 USC 1681b 2. Company also has no permission to report anything using my information pursuant to 15 USC 1681 4 After during research online to see if this has happened to anyone else. I found that this company has a history of bad reports from consumers and of other customers. They should be shut down from taking advantage of consumers with the horrible customer services.
This is a false and misleading tactic used by the company and is it illegal.
Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.
Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX.
As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.
|
| 08/17/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I called Adastra Recovery Services Inc and I called them and paid the debt in full with the understanding I would have the debt DELETED from my credit report because I was going through the Mortgage Process. The representative assured me that once I paid in it would be deleted immediately and I would receive a paid in full letter. I received a paid in full letter via mail dated XX/XX/XXXX but the item was NEVER deleted and has affected my ability to obtain my mortgage. My mortgage lender requested a letter from the collection agency stating it would delete the account offer my credit report. The company is refusing to provide with a letter stating it will be deleted and he has not been deleted as of XX/XX/XXXX although I was promised by the representative it would be XX/XX/XXXX. I also called several times starting XX/XX/XXXX and was told they would not issue me such a letter and that it will do come off until XX/XX/XXXX, That is not what we agreed and it is affecting my ability to obtain my mortgage. The collection Agency operated in DECEPTIVE and HARMFUL PRACTICES and will not listen to REASON!!!
|
| 07/20/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX Over the past 12 months, possibly more, " XXXX XXXX XXXX '' has been harassing my fiance, myself, my mother, father and sister with repeated and unrelenting calls at all times of the day.
One day my elderly mother who is sick with XXXX answered one of their calls and she was verbally assaulted by some miserable man who told her if I didn't pay my debt that I would be arrested.
They never leave a voicemail announcing who they are, they just inundate my phone with call after call after call. If it was not for caller ID I would think there was some random lunatic harassing/stalking me and my immediate family.
I can count on my call history over the past six months, over 100 calls to my phone number alone.
These people do not follow the letter of the law when attempting to collect a debt, they do not have any respect, common courtesy or general decency.
I hope this complaint is able to prevent someone else from experiencing the type of malicious intent that they have imposed upon me and everyone I love in this world.
I know God will ultimately handle all wrong doings, so I find solace in that fact.
|
| 10/22/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
|
| 07/17/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
i have a payment plan set up with these people. and the all me still every single day and threaten me and are very rude in the way that they speak to me. I know that I fell behide on the loan but I am doing the right thing to try and resolve it. I asked for a supervisor and she was just has unhelp and rude has the collector. I got XXXX and lost my job I am now on XXXX and trying my hardest to do the right thing. They told me the only way that I can pay them is over the phone and with a checking account or debit card and not other form of payment will. work.. and I set up a plan yet I get a call every day 2-3 times a day and I am over them calling me all the time.. I want the calls to stop and I want them to send me a bill. I would rather speak to my worst enemy then to these people who are so rude and disrespectful in the way the handle there calls. I worked in the collection field for over 15 years before I got sick and it sadden me to see how collector today are making the collection world out to be. I would never let a collector who was under me speak to a consumer they way that I was spoken to today.
|
| 08/17/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I called XXXX XXXX XXXX XXXX and I called them and paid the debt in full with the understanding I would have the debt DELETED from my credit report because I was going through the Mortgage Process. The representative assured me that once I paid in it would be deleted immediately and I would receive a paid in full letter. I received a paid in full letter via mail dated XX/XX/XXXX but the item was NEVER deleted and has affected my ability to obtain my mortgage. My mortgage lender requested a letter from the collection agency stating it would delete the account offer my credit report. The company is refusing to provide with a letter stating it will be deleted and he has not been deleted as of XX/XX/XXXX although I was promised by the representative it would be XX/XX/XXXX. I also called several times starting XX/XX/XXXX and was told they would not issue me such a letter and that it will do come off until XX/XX/XXXX, That is not what we agreed and it is affecting my ability to obtain my mortgage. The collection Agency operated in DECEPTIVE and HARMFUL PRACTICES and will not listen to REASON!!!
|
| 01/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX Speedy Cash # XXXX sued me around XX/XX/XXXX. We went to court and had a hearing where I filed a Motion to Dismiss, there was a scheduling order and Defendant 's First Request for Production of Documents and A Journal Entry with Dismissal by the Petitioner Attorney XXXX XXXX. Around XX/XX/XXXX I received a phone call from Attorney XXXX XXXX asking if I would like to settle. We reached a settlement where he would pay me {$16.00} and remove this debt from all three credit reporting agencies. The mysterious thing is that XXXX XXXX sued me, but a debt collection agency owned by Attorney XXXX XXXX named XXXX is reporting the debt to the credit bureaus. I wrote two letters to XXXX XXXX and one to XXXX XXXX. I wrote and disputed with the credit bureaus and showed my proof that there was a settlement and the case was dismissed by Attorney XXXX. I have all the paperwork and evidence. I have NEVER received the {$16.00} from Attorney XXXX nor has the wrongful credit reporting ceased. XXXX is still reporting this debt, ruining my credit, when the case was settled and dismissed in XX/XX/XXXX.
|
| 09/24/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
On XXXX XXXX I applied for a Loan with SpeedyCash. I originally applied for a loan with XXXX but somehow got routed to Speedycash.com. The APR is 360 % and im charged interest daily since the start of the loan XXXX. I was unaware of the high finance charges when speaking to the respresentative. I called the XXXX number when I found out the loan was n't with the correct the lender. Also after further research I found they accepted my loan with incorrect information. My home address and license does not match what they have on file. I was suprised to find this out after following up with the agent. It 's unfortunate I lost my job after the initial loan take out which is why i needed more time to pay the loan back. The company has my current banking information. I wasnt able to find the Speedycash.com as a reputable lender. At this time I am not sure of what my options are. I could really use some guidance in how to pay back the loan minus the fees, interest, and stress. By the time I 'm done paying the loan i would pay double if not more. At a rate of XXXX on a XXXX dollar loan.
SincerelyXXXX XXXX
|
| 03/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I got a loan from Speedy Cash, back in XXXX of XXXX. When I went to speedy cash all the tellers are behind a glass window. They explain the hypothetical amount you can get in an installment loan but not really how much an average, the interest or said payments would be. It goes by fast and they take longer verifying your information than they do explaining the numbers. For example, I was easily confused since the numbers were never written down for me until after I had signed the monitor, I didn't get that through the phone call they had me do, car title they had to register, that my interest would be 95 % equaling a little over XXXX + XXXX that would take 44 months to pay back in total. The Payments already being high, it's hard to pay extra. I managed to pay off my loan with another that had 70 % LESS interest. Even though I no longer owe them a dime, I would like to put a complaint, there should be set limits for loans such as these. I can't imagine how other people in an emergency like I had and perhaps being less stable trying to pay these off. It is outrageous. And should be looked into.
|
| 03/12/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX of 2019 I noticed a debt for {$620.00} on my credit which i believed was mine I thought speedy cash had bought one of my old debts and sold it to XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and after several attempts of giving my full name, nothing came up in their system. I gave my social and the rep said the account popped up but DID NOT tell me that the account was under someone elses name and continued to let me make a payment. The payment was for {$120.00}. Confirmation number-XXXX. After realizing it was not my account, I called back to get my money back and inform them of the mistake. I was told i needed to mail them an FTC report and dispute letter to get my money back. I completed all of this and when i called again they said they transferred the account back to speedy cash for fraud review and I would need to contact them. After contacting them i was again told that i can not get my money back. The issue im having is this representative at XXXX XXXX played blind to obvious fraud and let an innocent person make a payment on someone elses debt and i want my money back.
|
| 03/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
1 ) XX/XX/XXXX {$400.00} loan taken out with SPEEDY CASH. Loan Number : XXXX 2 ) XX/XX/XXXX {$70.00} payment made on loan XXXX 3 ) XX/XX/XXXX Loan paid off. Speedy Cash received ACH/EFT payment for loan number XXXX in the amount of {$380.00}.
4 ) Early XXXX XXXX XXXX XXXX XXXX contacts me about a delinquent debt with Speedy Cash. They do not offer to send written validation of the debt and threaten me with jail time if I do not pay.
5 ) XX/XX/XXXX I call XXXX XXXX XXXX to get more information. They will not tell me the original loan amount, they will not send written validation, they say that they can accept payment of {$1000.00} today or send my file to XXXX County court. I ask if they need my address for a summons and they claim to not need to send me a summons.
5 ) XX/XX/XXXX I call Speedy Cash. They ensure me that I only ever took out one loan for {$400.00} and it has been paid off. They are sending confirmation to me within the next 24 hours.
Company info : 1 ) Speedy Cash XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
|
| 03/05/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Prior to XX/XX/2021 the collection account was either increased by a dollar every other month, or decreased by a dollar every other month. Then on XX/XX/2021, the collections account was closed. As I'm following my credit to try and do better, I was notified the minute they closed the account. It is now XX/XX/2021, and the account all of a sudden was opened back up and a dollar was reduced from the amount. However, since their tactics are to to decrease the amount 1 month and increase it the following month, and whatever points ( credit score increase ) I increase or the points I even gained from them reducing the accounts by {$1.00} each, will be zapped away thus hurting my credit even more than what it was hurt when they added the collection to my credit report in the first place.
I also want to add, that one of the accounts was supposedly a car title loan. Only that was a lie, they were unable to put a lien on my car, as I already had a car title loan through another company, which they were aware of. They lied to me and falsely represented the product or line of credit they offered me.
|
| 03/05/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Prior to XX/XX/2021 the collection account was either increased by a dollar every other month, or decreased by a dollar every other month. Then on XX/XX/2021, the collections account was closed. As I'm following my credit to try and do better, I was notified the minute they closed the account. It is now XX/XX/2021, and the account all of a sudden was opened back up and a dollar was reduced from the amount. However, since their tactics are to to decrease the amount 1 month and increase it the following month, and whatever points ( credit score increase ) I increase or the points I even gained from them reducing the accounts by {$1.00} each, will be zapped away thus hurting my credit even more than what it was hurt when they added the collection to my credit report in the first place.
I also want to add, that one of the accounts was supposedly a car title loan. Only that was a lie, they were unable to put a lien on my car, as I already had a car title loan through another company, which they were aware of. They lied to me and falsely represented the product or line of credit they offered me.
|
| 09/17/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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So I contacted this company on another forum to which they responded by sending a bunch of papers and an enlarged photo of an old ID card that I havent had in 7-8 years!!!! To which first off, it wasnt sent in the time allotted for by the FCRA for debt validation, which already makes this debt erroneous, but the papers they sent DO NOT PROVE ANYTHING.! They dont prove that I entered an agreement, nor do they prove that I owe any sort of debt to them and whoever XXXX XXXX is. I have never taken out money from either of these organizations and I demand Ad Astra remove its fraudulent trade line IMMEDIATELY and PERMANENTLY from all my credit reports ( XXXX, XXXX, XXXX ). This is your last chance as Ive already been advised by my attorney to go ahead and pursue legal action seeing how your company has violated numerous rights of mine. But Im willing to postpone by giving you this last opportunity to do whats right and rectify this situation. If you refuse this is just more evidence to bolster the case against you. Make the right choice and delete the fraudulent debt or face the consequences.
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| 09/23/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Requested for debt to be validated and I was informed that the original creditor is speedy cash ; I received a one-page letter without any disclosures from AD Astra Dated XX/XX/2022 after filing a complaint against the collection agency to verify/validate the debt.
The letter did not include : -A " proper '' validation notice -The Validation period -detailed/itemized information regarding the debt; such as but not limited to ; - the original contract - the original loan balance -the specific type of loan - the account number associated with the debt- Clear and conspicuous information on where to dispute the debt - an itemization of the current amount of the debt reflecting interest, fees, payment, credits.
- a copy of the most recent/last statement - the date the account was charged off/amount charged off - information regarding consumer protections I was prompted to report " ID Theft Affidavit '' without enough information provided to determine ID theft. This debt is frivolous and after doing more research it is also a fraudulent business activity that is not allowed in California.
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| 12/17/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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These collections on my credit is preventing me from becoming a first time home owner on top of that this company has threatened me multiple times After Ive explain to them that I do not know what this debt is. This company is really affecting my health as I am traveling back-and-forth to the hospital because of stress. Im getting deny left and right when applying with Banks to get a mortgage, My fianc is suffering from XXXX and the price of living is entirely too high To continue paying rent at the property I currently live in. Im a XXXX veteran trying to make a honest living here in the United States but this company Is placing collections and outstanding balances onto my credit which is preventing me from succeeding in life. I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. I did not authorize nor know anything about these accounts listed. these are fraudalent accounts. i know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
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| 01/18/2016 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
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Here 's mynissue : I want to pay Speedy Cash off in full. I suffered a series of distressing and documentable circumstances. Going in person to attempt to speak to an associate, I felt humiliated, discounted and embarrassed. I am also seriously concerned about predatory lending with beastly, unfair fees on top of fees and mountains of interest charge.
I need your help, please : I am formally demanding a total payoff amount - minus those predatory fees and beastly interest. Also, had I been able to get help, clarity and assistance in person, I know that some of these fees would not be on this account.
Please assist me toward demanding a full payoff amount offer, in writing minus those predatory fees and compounded interest on top of interest. I want this account to be totally resolved. Please also pass stricter legislation to govern and regulate these predatory organization and the way consumers are treated. Their documents are complicated for the average person and difficult to understand the true, devastating impact on a consumer 's account, budget and life. Thank you very much.
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| 08/20/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Loan payment wasn't credited to your account
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Web |
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On XX/XX/XXXX I went in to try to show proof that I paid there and they took automatic transactions off my card I talked to the manager and a manager claimed that they fix my stuff today corporate office but they did not and now I 'm a point informations flown out here I 'll call the police and file a complaint the police and the police told me to get it towed the car off of XXXX and give me a proud all my history are the account but they did not do that but they said to outside collect the agency on XX/XX/XXXXfrom this credit place called XXXX XXXX XXXX XXXX XXXX. And now they 're trying to say that they seem another paper talking about that the account is in dispute or. Do not contact study. The ongoing complaint and I 'm poor identity theft because I have n't went into my mother died XX/XX/XXXX and the problem started from XX/XX/XXXX to XX/XX/XXXX and when I tried to talk to that manager explain the head manager to try to explain it they did n't you talk to the other manager because other matters are messed up and it discrimination towards me and I want this company vestigate it
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| 01/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
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I took out a small {$300.00} loan from speedy cash loan, I want to say 8 years ago online while living in Arkansas and I paid every 2 weeks on the loan, so much money, I paid more than triple the amount of what I borrowed. So I stopped paying, my aunt who I lived with at the time talked to them for me and told them I wouldn't be giving them anymore money because I already paid more than triple of what I had borrowed and they still wanted more. Now for the past two or three years they've been sending me emails randomly, threatening to have me arrested mainly and have my wages garnished. They say I've committed 4 crimes : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER Threatening to have a warrant for my arrest unless I pay {$890.00} immediately. I have all the emails saved. I believe in one of them they said the deputies in my area have been notified of my warrant and to arrest me. I just got another one today and I just found out that that's illegal for them to threaten me with being arrested.
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| 04/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
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Web |
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On XX/XX/XXXX i went online and paid my title loan off. I called and confirmed it was paid and inquired when my title would be mailed. So moving ahead 2 days i. Checked my account and XXXX dollars was gone. i immediatly called and the i went to the XXXX store on XXXX XXXX and they passed blame to the collection agency. But i never spoke to the collection agency my title was not in jeopardy. So how did thy get my information? Next i spoke with the collection agency and they said my i fo was on file and was authorized as auto pay. No. i just got that card a week ago and used to pay that bill.i told them that was my money for the next two weeks and I want a refund. And were going through this PANDEMIC and you just taking money out of peoples account without authorization, without a courtesy call or letter. They had the nerve to offer me a loan. REALLY. Its not right Landlords cant evict you, Electric companies are not turning off people lights but they can take my money. Now of all times. I dont know how im going to make it the next two weeks. Please help me get my money back.
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| 02/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX has on my credit file, that I have worked for XXXX which I never have ever worked for XXXX. In addition, they have mentioned that I applied for Speedy Cash for which sounds like a debt collector of some sort. I do not agree that I owe this debt because I never received any contracts of any sort. Furthermore I've consulted with Counsel and realized that I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. Furthermore, The New Comprehensive Credit Act of 2020 states that I must have erased any debts on my credit for which do not have contracts to establish the " invalidated debt ''. There should also be no child support payments on my accounts whatsoever, I'm confused on all that is listed on my credit file. Given that XXXX has had data breaches I also furthermore understand that my private information has become compromised for which also, I should sue for that. Please relay the message so that XXXX and I can resolve this issue outside of court.
Best, XXXX
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| 03/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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I have on many occasions asked XXXX XXXX to verify or validate the account that they have on me. They have refused to supply me with any documentation which states I owe them other than a letter. I specifically asked for this last week. Customer service XXXX stated they couldn't provide me with it on XXXX occasion during our conversation and that she would provide me with any paperwork that would state such. I have a recorded record that will prove this claim of my conversation with their agency rep XXXX refusing to provide me with such. She stated I was in a no contact status, however, they sent me paperwork 2 weeks ago while under such agreement but withheld any documents showing their ownership or my obligation to them.
I have also asked all 3 CRA for copies of verification and validations. I have also asked the reporting agencies for proof of their specific methods used to verify the account. I have not received any response from the 3 reporting agencies yet. While its not my intention to sue the firm, I will file with the FTC and provide the audio recording as proof.
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| 06/22/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Problem with the payoff process at the end of the loan
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Web |
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On XX/XX/XXXX Speedy Cash debited my card for XXXX without my permission. When I contacted them they said that the company " XXXX XXXX '' handles all of their collections accounts, and that I should be glad my debt was settled. I spoke to 4 different people with my bank on the line and they kept giving us the run around. I called " XXXX XXXX '' and kept getting a " system down '' recording. Spoke to them XX/XX/XXXX and they stated that they didn't debit my card Speedy Cash did yet their XXXX location is on my bank statement. I asked them to produce the contract since they said the system is automatic. Speedy Cash gave them my account in XXXX of XXXX. XXXX of XXXX your company is still debiting my card. I asked them to produce the letters sent from their company they were unwilling to do so. The representative XXXX asked me if " I needed money ''. Each attempt I made to obtain the paper work they denied it to me. I even logged onto Speedy Cash website to see if I could obtain the contract and nothing was in the log. I asked a rep to send me copy and have yet to receive it.
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| 04/21/2017 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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Second complaint on XXXX XXXX XXXX XXXX . We have not disputed that they step out of the Federal Credit Reporting Act Guidelines and reach out to speak to a person that I never worded that was my retained attorney I received my private verification from my friend that is a lawyer. The contract that did n't exhibit my true signature for a loan from XXXX XXXX . My private information was sent to a person that I did n't acknowledge I gave POA to or retained I did received the information. How did XXXX XXXX send a letter verifying my 30 days on the debt on XX/XX/XXXX but placed the actual debt without verification on my report on XX/XX/XXXX ? Sin ce I have filed this compliant XXXX XXXX has placed this on all XXXX XXXX reports after violation of the Federal Reporting Act and sending information that they need verification after they placed on my credit report in XXXX . I will file in XXXX County Court for f raudulent and misuse of T exas Debt Act an d violation of my privacy by contacting and sending my personal information to another party.
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| 09/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I Sent my letter off on XXXX XXXX, XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below.
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.
And according to the FRCA 15 USC 1681 Everything has to be 100 % Accurate.
My info : : Name : XXXX XXXX XXXX : XX/XX/XXXX Last 4 digits of social : XXXX ACCOUNTS : ( XXXX ) AD ASTRA RECOVERY SE Last reported XX/XX/XXXX {$810.00} Open balance XXXX XXXX XXXX TX Original creditor
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| 06/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I recently looked at my credit report and discovered a collection account that started with a company called Speedy Cash. I contacted them and the information I provided, validated that this debt was not mine. I then got this message from the Speedy Cash people : Speedy Cash is in receipt of the complaint filed with the Bureau of Consumer Financial Protection Bureau ( BCFP ) by Mr. XXXX XXXX. Speedy Cash understands that Mr. XXXX BCFP complaint relates to debt collection practices. Speedy Cash was unable to locate a customer loan account matching the personal information provided by Mr. XXXX in his complaint. Without obtaining further identifying information, it is impossible for Speedy Cash to investigate Mr. XXXX complaint. We urge Mr. XXXX to call Speedy Cash directly at XXXX to provide additional information so that we can identify a loan account, if any.
First, the phone number provided does not work! Second the person opened this account and has made payments at location in XXXX, Texas. They even tagged me with a XXXX, Texas address. THIS IS NOT MY ACCOUNT!!
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| 02/20/2021 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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THIS IS NOT A DUPLICATE they ignored everything I said on my previous complaint. The original contract DOES NOT have my name on any of the pages. which is a major violation under the FCRA. Im making this complaint direct to the original creditor because AD ASTRA say they don't own the debt they just collect on the behalf of Speedy Cash which was confirm by one of the SPEEY CASH employees, that confirm they are the current owners.
So I repeat the original contract does not have my name on any of the pages, but they claim it was 100 percent accurate, which is false because the name in the contract was " XXXX '' which is not my name, and another name they have is " XXXX '' which is not my name, these are errors on their behalf. SO how is the account is 100 percent accurate nor consistent when they have two names that's not mines.I will upload every page of the contract that has a printed name on it to prove my case. I will attach documents that show the inaccurate & inconsistent errors.
PLEASE STAY ON SUBJECT TO THIS MATTER OF THESE FCRA VIOLATIONS THANK YOU
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| 01/18/2016 |
Yes |
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Web |
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I received a loan through speedy cash in the amount of XXXX. I set up the loan with them with a specific bank account. I defaulted on my loan due to not having a job. However, I called to set up payment arrangements and speedy cash told me my account has went over to a third party collection agency. They also provided me with XXXX. I never provided them with my debit card from XXXX XXXX information. However, recently a transaction has been charged to my account in the amount of XXXX that I did not authorize. I called to speak with both speedy cash and ad XXXX and both had been blaming each other for this transaction. I spoke with at least XXXX different agents to get clarity on how they were able to access my account that I did n't not provide them with. Speedy cash stated they had this information on file from a previous loan I had through them and retained the information. I told them to no longer charge my card and any payment I make.. It would be made through money order or through XXXX of their local stores. My card was still charged without my consent.
|
| 12/13/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Servicemember |
|
AD Astra Recovery is claiming I owe {$670.00}. They also falsely place information my credit report. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent.
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| 03/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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Speedy Cash has sold an account to XXXX XXXX XXXX. Speedy Cash has been indemnified and in addition to this XXXX, XXXX XXXX continue to claim to be representng them. The information is inaccurately being reported on XXXX. XXXX and XXXX have removed this inaccurately reported information. Speedy Cash needs to be fined along with XXXX regarding this matter. Several complaints have been filed regarding the matter and it will continue until these shady people stop putting wrong information on my credit report. This item was removed from my credit and they keep reporting it again. Now XXXX is not reporting it on my credit report for me to see it and dispute it with them directly, but when a lender pulls the XXXX XXXX XXXX XXXX is coming up as derogatory reporting. They claim they are reporting for Speedy Cash which was removed 2 years ago from my credit report and XXXX XXXX XXXX is reporting it again. This is a clear violation of the Fair Debt and Collection Act to rereport information under a different name as if its a new account after it was already removed
|
| 07/17/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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On Monday XX/XX/2018 I received a voicemail from a XXXX XXXX XXXX from the " XXXX XXXX XXXX XXXX XXXX. '' He stated in the voicemail that I had 3 criminal charges pending against me and if I did not call him they would start criminal proceedings and have me arrested. I, not knowing what this about, called him back and left a voicemail message with my name and phone number asking that he return my call. This morning XX/XX/2018 at XXXX XXXX I got a return call from a XXXX XXXX XXXX " an attorney representing XXXX, '' stating that I had 3 criminal charges in the State of Texas for stealing money from a payday loan company. He would not tell me which company. He stated that within hours the police would be at my job to arrest me, my fines now were at {$5400.00} and that they would only grow if I didn't pay now before the police got involved.
I asked again who was the original creditor and he refused to tell me except to say that XXXX represents a family of payday loan companies. Since I didn't offer to pay the money, I presume the policy are looking for me.
|
| 06/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
On XX/XX/2020 Speedy Cash employee XXXX agreed that I did have a deferment on my account.
I was given the impression that if I could not afford to make the payment in XXXX the deferment would continue. I called Speedy Cash in XXXX and they demanded an amount I was unable to pay at the time and I informed them of the fact. Then days later they placed my account in collections without telling me this was going to be the next action. I at least had the right to be informed.
In addition they have employed a collection company that engages in harassing collection practices. I noticed a strange number calling me for the last few weeks, when I answered the telephone the person would hang-up ; this happened at least three times. If this is a legitimate attempt to collect a debt why the underhanded tactics that scare consumers? And a letter with three different return addresses, I am confused where to send any correspondence ( see attached ).
I have asked for an itemization of my debt because I question the exact amount demanded.
I do not owe this amount.
|
| 06/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
|
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On XX/XX/XXXX I got an Email from AD ASTRA RECOVERY SERVICES saying that I owe them {$2400.00}. They said that they tried to get a hold of me on XX/XX/XXXX about this, but I never recieved a letter or a phone call. They wrote in the letter that to make this go away I need to either pay {$530.00} in full today or I need to do {$800.00} installment payments. They said I need to respond today or they will take legal action against me.that they will have a judge call my employer to doc my pay, ( I am a XXXX ) they will have the police show up at my home within 7-10 business days and serve me a summons if I don't pay today, they will sue me, and they will destroy my name and social. There was no number to call, I don't ever give a debt collector permission to use my email as a form of contacting me. They either call or send a letter. I don't know where the original debt came from. I did write a letter requesting all forms of proof of the debt through a letter. All my medical bills are paid, and all loans are caught up on. I have no idea what this is about.
|
| 03/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
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Web |
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I first contacted Speedy cash in XX/XX/2019 to stop ACH payments. They took a payment.out 3 days later I contacted them a 2nd time and they said the email didn't come from the email on file although a read report said they opened it. This time I sent it again from the correct email address. They again took took money. I called and stayed on the line till they confirmed they got it. They took money yet again in XXXX. They said they would refund the payment from XXXX to my bank account. After a week with no refund I contacted them once again. They said I would have to pick it up in the store. I was out of town for two months. When I returned from my business trip I went into the store where I took the loan. Speedy Cash called the store to issue my refund but the store refused saying they had to contact the district manager. I want the loan voided and all payments returned for my trouble. They over drafted my accountant multiple times and left me with out money for food. The store that I took the loan from was Speedy Cash on XXXX XXXX in XXXX Tennessee
|
| 07/09/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
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I took out a loan with Speedy Cash somewhere between XXXX and XX/XX/XXXX.I filed Chapter XXXX bankruptcy on XX/XX/XXXX and contacted Speedy Cash on XX/XX/XXXX and provided them with the Bankruptcy case number and my attorneys information. My attorneys office has also contacted this company regarding my case. We had the meeting of the creditors on XX/XX/XXXX and none of my creditors were there. I have continued to receive calls from Speedy cash until I blocked their number on XXXX.They have now reported me to a collection agency called XXXX XXXX XXXX and I received a call from their office today telling me that they are calling to collect a debt. I explained to the caller that I had filed a Chapter XXXX Bankruptcy case and Speedy Cash was notified on numerous occasions about this date being included. He stated that I did not know what he was calling about I told him I did because I XXXX the phone number and in the comments section it states that this is a debt collector for Speedy Cash.He asked me to verify my information and I responded I will not.
|
| 01/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
When I filed an application for a loan I clearly expressed that I get paid biweekly, and when I called to explain the situation to the CSR, she stated that its nothing she can do about it, and the payments that are being taken out of my account has gone towards interest payments in the amount of {$590.00} for a {$400.00} loan.
I assumed that the interest payment was a one-time payment towards the total loan not applied to every single payment I will be making towards the loan, it was not very clear in the contract of the actual rate of terms was not clearly stated. Since then I have requested to cancel my continuous authorized payments ( CAP ) 2009, until they change my payments term to meet my biweekly pay terms without being penalized with additional interest charges.
I could have paid the loan off if they did not take my payments as an interest payment and do n't apply anything towards my principle loan until after they received the {$590.00} first. This is clearly a ripoff towards consumers, and should not be allowed to get away with this.
|
| 06/02/2015 |
Yes |
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- Payment to acct not credited
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Web |
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During a financial emergency I sought a fast pay day loan online and received XXXX through a XXXX recommended partner called Speedy Cash. Tried to make on time payments and pay the loan off multiple times by online payment and contacting them by phone. The website and the employees on the phone would inform me, every single time, that my card was declining. I called my bank they said there was enough money in my account, everything looked good on their end and that the card should not be declining. I continuously acquired the enormous interest fees even though I was actively trying to make payments. My balance kept rising, and they took payments out of my account at random times but they would only take the minimum amount so I would keep acquiring large interest fees. It was a long struggle to pay them off and to get them to stop taking payments whenever they wanted. I finally gave up and opened a new bank account. This loan will now likely reflect a negative credit record. It seemed very odd to me and I have determined that it might be a scam.
|
| 06/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
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Speedy Cash keeps adding a account to the credit reporting agencies after it has been removed several years back it was reported to this commission the consumer financial protection bureas and it was reported and removed from all 3 XXXX and from XXXX and from XXXX, I am utterly confused on how this company can manage to put this debt on here after it was removed from all 3 credit reporting agencies. Consumer finanace has record of this account and I am not sure why they keep allowing this account to go under collection status. This company attempted fraud and when I applied for a loan toook all the money out from my bank account without my permission. I think its time to lawyer up and see everyone in court, federal court or state court.
ACCOUNT NUMBER XXXX HIGHEST BALANCE {$560.00} CREDITOR INFO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX LAST REPORTED XX/XX/2020 ORIGINAL CREDITOR 01 SPEEDY CASH RESPONSIBILITY Individual ACCOUNT DISPUTED No ACCOUNT CONDITION Derogatory REMARKS Placed for collection Inaccurate Info?
|
| 06/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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I was approved for a loan with Speedy Cash for {$2500.00} on XX/XX/XXXX of XXXX. I made the following payments XX/XX/XXXX - {$740.00} XX/XX/XXXX - {$740.00} XX/XX/XXXX - {$12.00} XX/XX/XXXX - {$12.00} XXXX - {$740.00} XX/XX/XXXX - {$12.00} For a total of {$2200.00} dollars in payments. With the Covid-19 virus and XXXX kids in college I was not able to keep up the {$740.00} so this account went to collections with XXXX XXXX XXXX XXXX XXXX. The total that they claim that I owe is {$5800.00} for a loan that started at {$2500.00} and after making {$2200.00}. This is definitely predatory lending with outrageous fees and interest rates. I called XXXX XXXX and asked for a settlement however they said that I would have to pay {$4400.00}. There needs to be a fair settlement that both sides can agree too. At this rate I will be pay {$8100.00}. This is an 800 % interest and this should never be allowed with any company. I am willing to make a {$2000.00} payment and be done with this account. Another {$5800.00} is predatory lending and it needs to stop.
|
| 06/15/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Financed a XXXX laptop at speedy cash on XXXX/XXXX/2016 and the computer had a virus on it right out of the box ... it encrypted my files and locked them so I could n't use them and asking {$500.00} to give them back to me. {$1000.00} if I wait a week to pay. The box was checked that said " allow this computer to be controlled remotely. It appears it was created XXXX/XXXX/2016 but the dates are hard to know if they are right on a virus.
I told speedy cash and they said that they could n't replace the laptop and I needed to call the manufacturer. I called the MF and they told me it was speedy cash who needed to replace the computer.
I lost important files forever and these were my internet marketing files that I use for work which Ive accumulated over a year and a half and my ability to work has been severly obstructed. I do n't know how to put a value on what my files are worth or if I can legally do anything about this ...? I know I did n't download anything or open anything to get the virus ... it was the second time I had turned it on.
|
| 10/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Ad astra recovery services, This collection company like the other collection couples that appeared on my report were asked to validate the account and also, conduct an investigation into my fraud claim of this account.
A complete fraud packet that was sent to all collection agencies was also sent to this collection agency. Upon receipt of my fraud claim, this collection company failed to follow rules and regulations governed under the section 809 validation of debit. Subsection ( B ).
Deception clearly states, if the consumer notifies the debt collector in writing within the 30 day. Describe the sub section 8 that the debt, or any portion therefore, is disputed, or that the consumer requests is the name and address of the original creditor, the debt collector shall cease collection of all debt or any dispute a portion therefore until the debt collector of teens verification. This also means completed and Investigation if theres a claim of identity Theft.
It has been verified by XXXX that no such action took place after my request.
|
| 07/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
Older American |
|
My status changed before adding last 2 loans I only get paid monthly On both loans when I took out I asked to make sure I was only down for once a month on the XXXX I was told yes I continue to receive emails about being late on the XXXX of the month Now I am going to Social Security XXXX and paid on the 2nd Wednesday of the month.
I spoke with collections today as they called me I was told they couldnt correct and was not their responsibility to get to the correct person to have changed.
Yesterday I sent an email to customer service XX/XX/XXXX Today, XX/XX/XXXX I forwarded and sent an additional email with explanation of phone call, I received 4 phone calls yesterday XX/XX/XXXX which I didnt answer plus they left no voice mail. This was also explained on the phone call todayXX/XX/XXXX I would like - my payday changed to correct day one time a month Permanent -corrections to credit bureaus from Speedy Cash -corrections and reimbursement to my line of credit loan only for monthly payments and any additional fees they have charged
|
| 09/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I was given a line of credit though Speedy Cash in the amount of {$870.00}. I borrowed {$200.00} against that line of credit in XX/XX/2017. Speedy Cash provided the amount that was to be taken out every payday. They have been taking anywhere from $ XXXX- {$68.00} out of my account since then. I just happened to check on the payment schedule to see that I still owwed {$430.00} and at this point I have been paying them every 2 weeks for over a year. Upon speaking with the company this is allegedly how their line of credit works, I was told the payoff was {$500.00} so I paid it. But before I paid that {$500.00} to date I had paid almost {$1800.00} for only {$200.00} dollars I was never late and nerver missed a payment but the payment amounts went up and down over the life of the payments! As the regulating body of agencies such as this one, is there no cap for the amount of money that companies like this can have you pay back? I would like to file a formal complaint as something should be done about predator practices such as this.
|
| 05/10/2015 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
Servicemember |
|
On XXXX/XXXX/15 went into a XXXX store in XXXX, nv. to make payments on my loans. I asked if they could consolidate XXXX of the XXXX loans I had. I told the clerk numerous to leave the loan for {$110.00} opened because someone else paid on this loan. I was told no problem. I left the store with my new loan, thinking my payments now were {$320.00} a month. return to the store on XXXX/XXXX/15 to make my payment and was told that I owed $ XXXX why and the clerk said they made a mistake and consolidated the wrong to loans XXXX for {$210.00} which I only had XXXX more payments and the {$110.00} which I made it clear to leave open. The clerk said she did not make the mistake and would not correct it. I called the main office and talked to a few different people which none were going XXXX do anything about this. Then the threating and harassing phone calls started. This mistake by there employee puts me in a position that makes it so I can not afford to pay. I would never of opened the new loan knowing that they closed the wrong ones.
|
| 11/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
AD ASTRA Recovery Services Inc XXXX XXXX XXXX XXXX.
XXXX, KS XXXX XX/XX/2020 : A validation of debt letter was sent via certified mail for further details stating that I owed AD ASTRA Recovery Srevices.
XX/XX/2020 : After the company sent me a letter stating that I had debt, a subsequent message was mailed to confirm validity.
XX/XX/2020 : This company has negatively reported this debt to Credit bureaus after my dispute and they continue. This has created the following : A consolidated lawsuit : -FDCPA Section 805 ( b ), FTC opinion letter Cass from XX/XX/XXXX.They have not validated my debt yet continue to pursue collection activity. ( {$1000.00} ) -They have not validated debt but continue to report to credit bureaus. ( {$1000.00} ) -Have not validated the debt yet continue to pursue colection activity by filing for a judgement.
-FDCPA Section 811 ( a ) ( 2 ) : Collector must be in the county in which you lived when you signed the original contract for the debt or where you live at the time when they file the lawsuit.
|
| 03/06/2017 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
XXXX has send a copy of a contract that I have with speedy cash. I did not sign a contract with them and nor do I recall them sending me anything that shows that I havany contractual obligation to pay them. I have send certified letter requesting that XXXX provide an agreement with speedy cash that grant them the authority to collect on this alleged debt. Also any insurance claims been made by any creditor regarding the account. Verification that this debt was assigned or sold to collector. Documentation showing they are licensed to collect debts in Missouri. Commission for debt collector if collection efforts are successful. I also asked for them to provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. And I also stated in my letter that their claim will not be considered if any portion of the above mentioned was not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
|
| 08/25/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I had applied for a {$300.00} pay day loan in XXXX, XXXX with Speedy Cash in XXXX, Colorado. I fell behind in my payment schedule and a balance was sent to XXXX XXXX XXXX XXXX in XXXX, XXXX. Although, I had made several payments, before the loan was paid off, it went to a collection agency which reported to XXXX and XXXX credit bureaus. In XX/XX/XXXX, I mailed the reported amount of {$250.00} to XXXX XXXX, which is located in XXXX XXXX, Missouri. I have a copy of the money order stub in my possession. I filed a dispute with XXXX and XXXX in XXXX, XXXX and in XXXX, XXXX but XXXX, notified me as a result of the dispute, that I still owe, {$100.00}, which is incorrect. I went to the website of XXXX, which I purchased the money order through and was advised to obtain a copy of the money order for a fee of {$25.00}. I think that it is unfair to me to have to pay for an additional copy of who received and cashed the money to show proof that XXXX XXXX is falsely reporting to the credit bureau that I have an unpaid balance.
|
| 09/30/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
On the XXXX XXXX XXXX of this year, I entered into a payday loan with Speedy Cash for {$860.00}. I have made four payments to date, totaling {$470.00}. Today, I called Speedy Cash to find out my pay off balance. While on the phone with the customer service representative, it was discovered that my loan is an illegal loan, because I am a resident of New Jersey. Speedy Cash by law can not do business in the state of New Jersey due to their loan practices. They then proceeded to say that I fraudulently applied for the loan, and this is absolutely untrue. During the application process, you must provide your drivers licence information. I provided my correct driver 's license information with my current address in the state of New Jersey. They continue to suggest that I was fraudulent in my application. Again, this is untrue. I am requesting your assistance with respect to the resolution of this illegal loan. I offered to pay the original balance minus the payments I already mafe ; however, they denied the offer, please help.
|
| 06/18/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I requested a credit report in XX/XX/XXXX . At that time I noticed that there were several addresses where I never lived linked to my report. I also found that a delinquent account from the collection service XXXX XXXX for Speedy Cash was listed on my report. I have lived in Oklahoma since XXXX and have NEVER used a payday loan service. I disputed the false addresses and XXXX XXXX account. I did get the addresses removed, but have tried for several years to have the negative report from XXXX XXXX removed.
I have repeatedly disputed this information on my account and have never received any direct notification from XXXX XXXX until XX/XX/XXXX . This account does not belong to me. XXXX XXXX has closed this account on my report, however XXXX has not done so after repeated disputes.
I have tried to find an email contact for XXXX XXXX to contract them without success. I will not call them due to other consumer complaints about threatening phone calls from XXXX XXXX .
|
| 08/11/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Today XX/XX/2021 I received a call from what I believe was a law firm saying they had a claim number for me and they even tried calling my mother but they called me after that. The man said the name of the law firm but said it too fast even when I asked him to repeat it. I kept asking what this was in reference to, all he could say was I had to call XXXX and give them the claim number. I call the number he didnt say who his name was or who he was representing. He goes on saying that something about a lawsuit or some claim was against me for a XXXX year old payday loan with a check that had bounced ( not my intention for that to happen ) and he was pushing me to pay and pay and if I didnt my credit would be damaged and wages would be garnished and all I get is social security XXXX. He threatened me with a lawsuit and garnishment. I tried telling the man that this was beyond the statute of limitations but he got defensive and thats when he started threatening me with all that I mentioned above. I dont know what to do.
|
| 07/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ada astra recovery services are reporting a " collection '' debt on the XXXX credit bureau. I already disputed this debt on XXXX. I am requesting that this company provides me with a debt validation letter annd a. DEBT verification letter.. The XXXX website states that I have the right to request. Documents regarding how this company investigated my dispute.
debt validation letter must includes : The amount owed.
The name of the creditor seeking payment.
a verification letter proving this debt is mine Why the collector thinks I owe the debt : Ask who the original creditor is and request documentation that verifies you owe the debt, such as a copy of the original contract.
The amount and age of the debt : a copy of the last billing statement sent by the original creditor, the amount owed when the collector purchased the debt, the date of last payment and whether the debt is past the statute of limitations.
Authority to collect the debt : does thhis agency have the licensed to collect debt in your state.
.
|
| 12/13/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
Servicemember |
|
On XXXX XXXX I received a bill from Speedy Cash Account, stating that I owe them {$390.00}. I immediately contacted Speedy Cash at XXXX. I informed Speedy Cash that I did not open the account and I was redirected to their fraud department. The repetitive name was XXXX. They would not share any information with me but recommended that I file a police report. I then went to the XXXX XXXX Police Department XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX XXXX Tx XXXX PXXXX XXXX XXXX ) and filed Case XXXX XXXX with officer XXXX XXXX Badge # XXXX. Officer XXXX connected me with XXXX XXXX XXXX # XXXX. Both officers found it to be suspicious that Speedy Cash was unable to share any account information other than that sent with the collection letter. Speedy Cash did send a follow up email asking for a copy of the police report. I did not share this with them since it has a lot of personal identification on the report. I asked them for all information used in opening the fraudulent account and they have not responded.
|
| 02/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX has placed a debt on my credit report that is not mine. I have disputed this account given I have never done business with them or their affiliates. I have had this account removed from my credit report and it has since been sold and replaced on my credit report as an active debt that was generated in XXXX. This account was originally from a company called " Speedy '' of which I have not done business with. I was notified by XXXX that this account was sold in XXXX and listed as a collection account that was brand new. This has caused a XXXX point drop in my FICO score. I have explained to XXXX in the past that in XXXX my wallet which contained my social security card was stolen and items started showing up on my credit there after. All of which have been removed but every so often the account gets sold to some new debt buyer and they change the dates and replace it as a new account that I authorized. I have never done business with 'Speedy ' or XXXX XXXX XXXX XXXX. This account is XXXX.
|
| 04/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
1. XX/XX/XXXX, XXXXCalled Curo Management Credit Report Team about a duplicate inquiry on XXXX credit file ( XX/XX/XXXX ). I was told the duplicate entry would be erased from XXXX credit file. However, it remains on there as of today, XX/XX/XXXX.
2. XXXX, XXXX and XXXX all have differentiating, inaccurate information being reported on my credit files in regards to the XXXX XXXX account. I also sent letters of verification to XXXX for verification and have yet to receive a response.
3. No response from XXXX XXXX, after letter of verification sent.
4. XXXX reporting inaccurate personal information ( multiple addresses ). I called in XXXX to have the inaccuracies deleted, and was told by the rep that they would be deleted.
5. XXXX reporting Incorrect personal information : Middle names are incorrectly listed as one name ( XXXX XXXX ), when its actually two names ( XXXX XXXX ). I called the consumer hotline to correct issue and spoke with a representative who reassured me that it would be corrected.
|
| 11/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THE COMPANY, AD ASTRA RECOVERY SERVICE, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS ACTUALLY MY PROPERTY. MY NAME IS XXXX XXXX and I am the executrix of my estate under the name XXXX XXXX. I have never signed a CONTRACT or PROMISSORY NOTE with this company. Whereas I believe them to be a debt buyer, AD ASTRA RECOVERY SERVICE must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, ON THE PUBLIC AND PRIVATE SIDE that pertains to account XXXX. Failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.
|
| 06/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I took out a loan with speedy cash in XX/XX/2018 in the amount of {$680.00}. I was under the impression that I would pay back what I borrow plus $ XXXX {$50.00} based on the conversation I had with the representative before I applied for the loan. I had a series of unfortunate events to occur in my life that prevented me from making timely payments. I received a notice in the mail that speedy cash sent my account to collections with XXXX XXXX. I was informed that my balance was {$1200.00} with an interest rate of 200 % APR. I was blown away by the amount of interest on the debt. I informed them that I was having a difficult time but in no way neglecting my financial obligations & desired to resolve the debt. I inquired about a settlement regarding the interest on the account. I was told that I they would not make any adjustments to the account. Some of the representative I spoke with @ XXXX XXXX were very rude. Everyone has bad days and because I have a delinquent debt doesn't mean you should be mean.
|
| 01/08/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
On XXXX XXXX, 2018, I received a call from this company. They recited my driver licence 's number and the last 4 of my social. I ask the woman for a debt validation letter, but she claimed they had already a letter to an old address and that they were n't sending anymore letters and the next step is garnishment and doing " something '' to my license. I could n't make out what she threatened to do because she was really belligerent from the start of the conversation, which leads me to believe that that is a tactic they use to get you flustered and intellectually marginalized so you ca n't logically think. The debt she said I owed was {$4000.00} from an unpaid payday loan {$700.00} years ago. This is incorrect because while I 've taken a payday loan before years ago in college, I never took out {$700.00} and I already have a payment arrangement set up with another debt collect. The caller was highly uncouth and disrespectful. I believe they might be trying to scam me. She said her name was XXXX XXXX
|
| 11/20/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have written to this company Ad Astra Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) and have personally spoken with " XXXX '' Employee number -XXXX at XXXX XXXX and spoke for XXXX minutes and XXXX seconds about validating and verifying the dept prior to moving forward. He refused and told me to take the deal I was given and lucky to get. He refused to transfer me to a supervisor and then said, " he was done, and any deal he was giving us was taken off the table. '' Not only was this conversation and his demeanor unprofessional, but it was also insulting and unbecoming. Instead of de-escalating the conversation, he continued to elevate the hostility and add gas to the fire. XXXX days have passed with for the official request for verification and validation. I requested to see all pertinent documents and they have not sent anything i have requested. My next move is to take this to FDIC and also to my state attorney 's office to file a complaint.
Respectfully, XXXX
|
| 08/27/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
So far this company keeps changing dates every time I dispute with credit bureaus, last dispute was a week ago and they charged the date from XXXX of XXXX to XX/XX/XXXX of XXXX and previously they indicated I took the loan on XX/XX/XXXX and this time they took the date completely out, I called this company and explained that during that time it was stay at home order and i had XXXX as well on quarantine and lost my XXXX like majority of Americans, our XXXX room was closed due to XXXX and i didn't get my XXXXt check till XXXX of XXXX a year later for all those months with XXXX check because it was tight up for identity verification with XXXX. I had the worst time of my life and state of California put freeze on rent and collection because we all were suffering at that time and it was time of survival not collection. I didn't even recieved a single mail from this agency and they went report to credit bureaus and don't want to negotiate, it's a shame, this company is XXXX XXXX located in XXXX, KS
|
| 04/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020, I received a collection letter from XXXX XXXX XXXX XXXX, d.b.a. Speedy Cash. I have never done business with a company of either name. That same day, I responded to them in writing disputing the debt. In my dispute letter, I explained I had never done business with them and requested evidence that I was the debtor.
In response, I received a copy of an unsigned credit application. I did not receive any evidence that I was the borrower. The company claimed their investigation showed I was the borrower. It is exceedingly clear they failed to conduct as reasonable investigation as required by the Fair Credit Reporting Act, and that they have not met their legal obligation to provide evidence that I owe the debt they are attempting to collect.
As the victim of identity theft, I am appalled by their callous disregard for the law. Based on my experience and their lack of evidence, I suspect this firm routinely violated anti-money laundering requirements to " Know Your Customer. ''
|
| 07/14/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
I made the mistake of not asking for and reading their contract before I typed my name and received the loan. When I asked for the contract I found for the {$1000.00} I received they want paid back {$5000.00}. They say their interest rate is 320 % plus fees but is like 500 %. I am XXXX and in bad health. XXXX XXXX and in past year two XXXX XXXX XXXX and XXXX XXXX. They want paid back {$140.00} twice a month until XX/XX/XXXX. The contract is about 30 pages long and says different things in different places in the contract. I will email it to you if you want. This contract and loan is unbelievable. I am trying to get by on social security and this caught me when I needed immediate cash to pay some things to keep me going. Any help would be appreciated. .This loan was made on XX/XX/XXXX from. Speedy Cash in XXXX, Kansas. I tried talking to them several times but they wo n't budge. They are impossible. I tried to get the interest rates reduced and a reasonable payment plan but they wo n't budge.
|
| 01/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
On XX/XX/2019, I was in a hardship situation and dealing with a chronic illness. There were emergency household bills due. I had taken sometime off from work due to my illness. I applied for an online loan with XXXX XXXX XXXX XXXX XXXX XXXX. I was approved for {$730.00} with an APR of 360.00 %. My attention was to pay this loan within 28 days. My situation was beginning to deteriorate and between my illness and missing work, I was unable to pay amount due as scheduled. I had to ask Speedy Cash not to draft anything out of my checking account because I was being charged overdraft fees. I paid a total of {$230.00} to date towards this original loan. I know have a balance of {$1500.00}. I asked the representative XXXX were there any arrangements I could make towards the original {$730.00} Loan. XXXX explained that Speedy Cash would not make any payment arrangements unless I agreed on the {$1500.00} balance ( and accruing interest ). I am in a hardship and unable to pay {$1500.00} plus interest
|
| 02/17/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Speedy Cash is listed on my credit report. The collection Agency listed is XXXX XXXX. Contacted XXXX XXXX regarding the debt of {$1100.00}. The reported the debt had been sent to the Attorney office of XXXX. XXXX XXXX. I contacted the lawyer office who reported that I needed to make an offer and they could not tell me an amount. I made an offer of {$520.00}. She reported they were not going to accepted that and would only accept approximately {$1800.00}. She reported that the original debt was {$1100.00} but there were additional feels and the new amount owed is {$2600.00} so they will only settle for approx. {$1800.00}. She stated that I would have to get an attorney as they are not willing to accept anything less that that. She was informed that we were not notified that we were being sued and I was trying to settle the debt within 7 days.
I was trying to settle this debt and not pay for attorney fees. My address was not confirmed nor was there any additional information obtained.
|
| 05/02/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I submitted a letter dated XX/XX/XXXX certified on XX/XX/XXXX to XXXX XXXX collection agency requesting documentation this agency has the right to collect on a discharged debt. XXXX XXXX sent me a letter advising me this collection was assigned to them ; however, XXXX XXXX fail to provide me in writing any written agreement between XXXX XXXX collection agency and Speedy Cash. The information provided was the loan agreement signed with Speedy cash, whom choose to charge-off this balance. I contacted XXXX XXXX by phone on XX/XX/XXXX, to discuss that this item should be removed if they could not give me the requested documentation ( written agreement between XXXX XXXX and Speedy Cash ). XXXX XXXX representative stated their company can't provide that in writing only verbal. After this call and I indicated this amount is not collectible and XXXX XXXX doesn't have the right by law ; XXXX XXXX change the reporting payment to reflect past due which cause my credit score to drop by XXXX points.
|
| 11/19/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
I had a loan with Speedy Cash and I paid it off in full on XXXX XXXX, 2015. The funds were always available in my account on the day of withdrawal. After the loan was paid off they then stated I owed a late fee of {$88.00} because my payments were not on time. Their system did not take the payments on time, the funds were always there. I called them and they said that it was going to go to the accounting department and they would get back to me. They did not get back to me but instead tried to deduct the funds from my account. At that point there were no funds in the account and I was charged an NSF of {$29.00} due to this. I called them again today and they stated that I owe it due to payments being late. I asked them how it was my fault their system did not take the payment on the due date? I was informed that I had to pay this late fee regardless. I told them I was not going to pay it and they were no longer authorized access to my account. I am sure tomorrow they will try again.
|
| 06/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I received a pay day loan on more than one occasion from Speedy Cash. The Original amount was always XXXX or maybe even XXXX.I think the flat fee was {$100.00} at most. I would have never taken the payday loan otherwise. I missed one payment and now they are charging {$920.00} in interest in addition to the principal. I never signed for an interest loan and even attempted to call and settle on 2 occasions once for {$800.00} and the last time for {$900.00} to no avail even when notified that I have begun to prepare for Chapter XXXX bankruptcy proceedings and that I rather pay now than over a 3-5 year period. I do not think the usury rate of interest their charging is a contractual obligation. In fact the interest is more than the loan itself. I am willing to pay the original loan amount with a reasonable fee but if they insist on trying to defame my character by representing to the credit bureaus that my balance is higher than what it is and refusing to take a payoff is ridiculous.
|
| 11/03/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
A representative called my house, my cell, and texted me in a matter of 20 at least 3-4 times, and then they proceeded to call my employer and misrepresent themselves as an employer for the XXXX Sherriff Department , they talked to three different people about a past debt, to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX now my employment is up for review, and I look like a criminal to my employers. In a time where we are dealing with a pandemic, I suffered a XXXX XXXX, which cause me to visit the E.R. and my character was defamed and defiled, by a debt collector who was abrasive, and lying about his/her position, and what they were doing. This debt is old, and should be charged off, but keep being resold for the purpose of embarrassing and harassing past clients. This is unwarranted and unlawful behavior, and will my attorney has been called and will also be reaching out out, no case numbers were left, only to say they are coming either to my house or my place of employment.
|
| 05/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
Apparently Speedy Cash did not do their due diligence when issuing a loan to someone using my identity last XXXX. They sent the loan to a collection agency " XXXX XXXX XXXX XXXX '' which put it on my credit report as a collection. I have my credit locked with all 3 agencies and they couldn't have gotten the report to issue the loan in my name. But they have put it on my credit report dropping my credit score from XXXX down to XXXX. Now partially because of this I have on credit card ( XXXX balance ) closing because of " collections '' on my report. I have tried to resolve this issue with Speedy Cash, I have sent them the police report on file with the XXXX XXXX Sheriff 's department. file # XXXX.
I have not had any response back from Speedy Cash, I have filed a dispute with XXXX, but XXXX XXXX has insisted that the collection is warranted.
On one phone conversation I had with agents at Speedy Cash I found out that they have since issued additional monies to this same person.
|
| 11/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
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Web |
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On XX/XX/XXXX I applied for a payday loan online with speedycash.com and my request was immediately denied, although I work for XXXX XXXX since XXXX, XXXX, have direct deposit and would be able to repay the loan. I simply accepted their decision and today ( XXXX ) I contacted their 800 number at XXXX to request that my personal information such as driver 's license number, social security, banking and debit card, as well as my address to be permanently removed from their site and was advised that none of that information would be shared with third party companies, so they would not be able to delete it. I asked to speak with a supervisor about the deletion of my personal information and was disconnected. I want to report that speedycash.com is refusing to removed customer 's personal information even when those customers do not have a loan with them, so my information is openly available for identity theft and there is nothing I am being able to do to remove it from their site.
|
| 09/28/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
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Web |
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Back in XX/XX/2017 I opened an account with Speedy Cash. The credit limit I was given was {$700.00}. The amount of fees they charged made it impossible to pay it off. The monthly payment was extreme and only a very small percentage of it went towards the principal balance. I could not keep up with it.
They continued to tack on fees upon fees. Somehow it ballooned into {$1400.00}. More than twice what my credit limit even was. They are trying to collect this amount through a collection agency named XXXX XXXX.
XXXX XXXX is referring to Speedy Cash as their client in every letter I have from them. But XXXX XXXX is reporting to the credit bureaus as the collection agency owed the money.
I see no reason for a {$700.00} line of credit to balloon to more than twice the amount owed. It is impossible for people to pay it off even when they try. It's impossible to know who I am actually paying when I get confusing collection letters and conflicting information on my credit report.
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| 01/03/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This company has brought a defaulted note as third party and claiming that I allegedly owe. They claim to be partners with SPEEDY CASH XXXX but can not produce a trust or contract. They are a third party debt collector. SPEEDY CASH XXXX has lost their right to do business and collect in the state of Illinois. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by credit reporting agencies stating a owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ).
|
| 01/26/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
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I think they key words here are Speedy Cash. I 've been reading that these guys fish people for information under the guise of advance loans. I have NEVER taken out a loan of any kind outside of my mortgage, period. They call daily from the same number. It is a recording from a woman named XXXX, calling about a " personal business matter ''. It 's exactly 36 seconds long and comes in twice a week or more. I 've been on and recently renewed the DNC list for my phone. I 've also blocked the number. I 've read on various sites on the internet that in responding they fish you for personal information including SSN. They have also mailed me twice from XXXX different Recovery services. XXXX XXXX and another, but I threw out the letter once I read about the scam. The letter asks to remit payment with no details other then the amount on the letter.
This is either a phishing scam or I 'm the victim of identity theft. Given the scam notices, I 'm going with the former and ignoring.
|
| 05/02/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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in accordance with fair credit reporting act XXXX account AD ASTRA SERVICES # # XXXX ... . COUNTY OF 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 XXXXXXXX # XXXX XXXX.XXXX XXXX XXXX XXXX XXXX XXXX XXXX ...., XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ...., XXXX XXXX XXXX, has violated my rites under 15 usc 1681 section 602H states i have a rite to privacy 15 usc 1681 section 604H section 2 also states a consumer can not fernish mynaccount with out my writen consent XXXX XXXX secured loan. on XXXX i filed a dispute with all 3 credit beruaes and 2 of the 3 changed my account to debt included in XXXX XXXX bankcruptcy and the account still increases by {$18.00} every month even thought 2 out the 3 report it as included in bk i have disputed many times and nothing has changed only 2 have made it bk on there agency All account numbers are partials.
|
| 04/24/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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I obtained a loan and was not told they were charging interest daily in the application process, speedy cash ca n't use the word default because by law once they use that term they ca n't charge anymore interest. A statement was billed stating I owed XXXX and it needed to be paid because my account was in " default '' weeks later I get another bill for XXXX that I refuse to pay. The interest was never stated on any of my loan documents in fact she never gave me an estimated payment. Then I realized they do n't close until XXXX XXXX eastern time but charged my account at XXXX XXXX eastern time. I work in the same field and I pay my other loans but I refuse to pay something that 's not properly explained she never said they would hit my account before close and they go in and ac h 1 p ayment at different times in one day ! More than twice I had to close my personal account at the bank because of this. Their location is : XXXX XXXX XXXX XXXX tn XXXX
|
| 07/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
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I paid off this loan in XXXX, and now they are trying to sue for more than the amount of the original loan. I paid them {$460.00} on XXXX after calling them to ask for the pay off amount on the same day. Never defaulted before I made this payment. After the payment they were still making withdrawals ( 4 in total that were disputed with my bank ) bank decided to give me a new debit card in XX/XX/XXXX. Then speedy cash sent me to a collection company which put it on my credit report. Disputed with credit bureaus, and provided my bank statement with the email showing payment in XX/XX/XXXX, and it was removed from credit report. XX/XX/XXXX they reported it again to my credit report after removal. Disputed again, and never received validation of debt after dispute process. XXXX of XXXX the filed to have me sued in court. Provided the same proof, and now they are saying I falsified documents. Which is very insulting since I went to the bank to get my statement on XX/XX/XXXX
|
| 09/21/2021 |
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
|
|
Web |
|
|
I contacted credit reporting agencies beginning XX/XX/2021 via certified mail disputing this account ( as it is not mine ) then was told it was verified I requested a reinvestigation and information on how this account was verified on XX/XX/2021 to the credit reporting agencies via certified mail and was told it was verified by creditor once again. XX/XX/2021 I then wrote creditor AD Astra Recovery Service requesting that this debt be validated including application with my personal signature. I received letter from creditor stating that it has been determined that information is consistant with information provided by client. I then sent another Letter via certified mail XX/XX/2021 again disputing this information and requesting that application bearing my personal signature and once again received the same exact letter from 1st request. There was no proper investigation or reinvestigation from the Credit reporting agencies nor creditor to validate this account.
|
| 07/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Someone stole my identity and took a fraudulent loan in my name thru XXXX XXXX on XXXX XX/XX/2022. I found out on XXXX XX/XX/2022. I pulled my credit report on XXXX XX/XX/2022 and confirmed a loan in the amount of {$3000.00}. I contacted XXXX XXXX on XXXX XX/XX/2022 and they confirmed this loan was fraudulent and granted thru XXXX XXXX. On XXXX XX/XX/2022 I received a past due notice for a Loan from the same company, XXXX XXXX, this time for a loan with a different Loan Number. I contacted XXXX XXXX Customer support, and they told me to contact XXXX XXXX Fraud Department. I called XXXX XXXX Fraud Department, and they were closed. I tried sending faxes to XXXX XXXX Fraud Department and the XXXX XXXX Past Due Account Help, but their fax numbers listed on their website are not working and out of service. It has been over 90 days since I resolved this issue with XXXX XXXXT, and they continue sending me past due bills and harassing me to pay a loan that is not mine.
|
| 12/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I noticed that on my credit report there is derogatory information from this collection agency, Ad Astra about me. Their file # XXXX and are trying to collect funds from me. At first, I set up a payment arrangement and started paying. Then it occurred to me that I never had validation from them that I even owed the debt. Therefore, I sent a certified letter directly to them requesting verification and they sent me some forged documents that I will attach here. First of all, I never took out a {$990.00} loan from Speedy Cash which they are claiming without valid proof. I want this collection/charge off deleted from all 3 credit reporting agencies ASAP. Im a mortgage loan officer professional and I need to keep my credit and financial records clean. Also, I did send information to all 3 bureaus to remove/delete but to no avail. I have the written letters that were sent certified too that I will include here. Please resolve this dilemma for me. Much appreciated.
|
| 02/06/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you instead of your attorney
|
|
Web |
|
|
Me and my attorney filed and sent proper paperwork to AD ASTRA debt buyer for Speedy Cash disputing amount owed and requested proof. AD ASTRA could not present any valid documents and removed all inaccurate information from all credit bureaus in 2019. After that was resolved XXXX XXXX XXXX XXXX another debt buyer for Speedy Cash bought the same inaccurate debt as new debt and I am now filing the same paperwork on them with you and credit bureaus. I think this is deceptive collection tactics. Please refer to CFPB complaint # XXXX.
This is a type of ongoing harassment I can not explain but needs to be looked into further and I may get an experienced attorney/investigator and file complaints with every credit agency I need to.
I am attaching some online community forums where it shows speedy cash, ad Astra and XXXX are working together using these deceptive debt collection techniques to harm peoples credit. They may even be working with the credit bureaus.
|
| 01/07/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XXXX I took out a payday loan for {$400.00}. Over the next four months I had to make payments of ~ $ XXXX to satisfy paying off the loan without additional fees. I did pay off the loan but in XXXX I was notified by the law office of XXXX XXXX XXXX in Colorado that my debt now totalled > {$1800.00} with fees. Until XXXX I had not been notified that this original payday loan was unpaid. When I asked the law office for proof of non-payment they stated they did not have access to these documents. I was unable to find previous email correspondence showing my receipt of payments from XXXX due to the the email account had been deactivated years prior. In trying to find a resolution the law office refused to negotiate and then served me notice at my home in XXXX. In short the law office of XXXX XXXX XXXX has not been able to prove my loan was not paid and has added over {$1500.00} in fees and penalties as they say my new balance owed is in excess of {$2000.00}.
|
| 06/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
AD ASTRA RECOVERY SERVICES is in violation of 15 USC 1692g. AD ASTRA RECOVERY SERVICES did not respond within 5 days of initial communication. I sent a debt validation letter to AD ASTRA RECOVERY SERVICES on XX/XX/21 and they did not respond with the information I asked for. I asked them to send me proof that I owe them this debt. I asked for a signed agreement Debtor has made with debt collector. I asked for the authorized Signature of the creditor.
They failed to provide me with any contract as proof that I owe them this debt.
They send me a letter on XX/XX/2021 that included a symbol which is in violation of 15 usc 1692b ( 5 ).
Rapid cash is also in federal violation for not including the sum of all charges in the finance charge. Violation of 15 usc 1605. I never gave consent to AD ASTRA RECOVERY SERVICES.
AD ASTRA RECOVERY SERVICES is in violation of 15 usc 1692 for stating I owe a debt through mail. After I already sent them a cease and desist.
|
| 07/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I had a multitude of red flags pop up around mid XXXX, 2014 and obviously took brisk action in fixing it. One of the few conclusions we ( my bank and I could find ) was to close my account and my cards and issue brand new numbers for each one. The date that this supposed money was put into my account was AFTER my accounts were closed and I was issued new account numbers and card numbers. The company Speedy Cash left me a large amount of pretty threatening voicemails including telling me youre going to jail no matter what, just pay ya we need the money after I specifically spoke to them about how theres no possible way the money could go in and if it did it was identity theft and I told them to contact my bank and they asked for the information and I gave them the number of the bank, XXXX XXXX and I also gave XXXX a heads up that they needed verification that it was closed. I never heard a word back again ... AND NOW its in debt collections? No way ...
|
| 07/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I was only supposed to pay {$400.00}. I was charged {$400.00} TWICE. Two {$400.00} charged for Speedy were marked as posted today, XX/XX/XXXX, dated yesterday, XX/XX/XXXX.
I called Speedy yesterday, XX/XX/XXXX, when the charges were still " pending. '' They were very unhelpful and said they would need a 30 day official bank statement showing the charges before they would refund one of them. The official 30 day statement doesn't come to me until after XXXX and that is an unacceptable amount of time to be out of {$400.00}. I called again today and emailed 30 days worth of activity, with the duplicate payments, and was again told I would need the official, because the print out didn't have my full name.
I called my bank, XXXX XXXX, multiple times as well, and, though they were pretty unhelpful, after trying many times and asking for a supervisor, I finally got someone who was very helpful and says he is going to get one of those charges reversed.
|
| 02/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Im going through my credit report and I saw two debt collections from AD ASTRA RECOVERY SERVIC for {$300.00} each one. When I click on details it says its from a loan company called 12 SPEEDY CASH 7 and that the two accounts were opened on XX/XX/2019 and XX/XX/2019. Both of these accounts show that theyre closed, but stayed in collections currently. Ive never opened two accounts with this company before so Id like to report this as fraud because Ive never gotten a loan before and Ive never intended to get a loan before. Id like to get both of these collections removed from my credit report please. I have already contacted this debt collection company and reported these two accounts as fraud and they told me to file this report to get it removed from my credit report. I will attach two pictures of the company that put me in collections twice for two accounts both of the amount of {$300.00} with different opening dates but created in the same year.
|
| 02/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Im going through my credit report and I saw two debt collections from AD ASTRA RECOVERY SERVIC for {$300.00} each one. When I click on details it says its from a loan company called 12 SPEEDY CASH 7 and that the two accounts were opened on XX/XX/2019 and XX/XX/2019. Both of these accounts show that theyre closed, but stayed in collections currently. Ive never opened two accounts with this company before so Id like to report this as fraud because Ive never gotten a loan before and Ive never intended to get a loan before. Id like to get both of these collections removed from my credit report please. I have already contacted this debt collection company and reported these two accounts as fraud and they told me to file this report to get it removed from my credit report. I will attach two pictures of the company that put me in collections twice for two accounts both of the amount of {$300.00} with different opening dates but created in the same year.
|
| 10/06/2016 |
Yes |
|
|
|
Web |
|
|
The company 's website does not give a clear concise history of principal and interest paid. I did not always get payment confirmations, which is the only way to see how your P & I payment was applied, the customer portal does not provide such details. I made a significant payment ( XXXX % of outstanding balance ) and my P & I structure did not change. I sent two messages stating this and NEVER received any response. I fear that I was overcharged interest but they will not respond.The company 's website does not enable consumer to track outstanding balance on a regular basis. I fear that I have been overcharged! It seems that this is on purpose to keep consumer ignorant and make sure we are not able to see any errors or mistakes on the company 's part. This leave open ample room for fraud! I sent messages to the lender communicating this fear multiple time and no reply in over three months. I believe there maybe fraudulent activity on their part!
|
| 04/13/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
I have use Speedy Cash SC before for short term payday loans ( XXXX ) XXXX. The last loan I had with them was in XXXX of XXXX. I had the loan deposited into my XXXX XXXX Account but i paid the loans using my XXXX debit card so it was done automatically on the XXXX of the month. Recently, I logged into my account and noticed I had XXXX debit card payments to Speedy Cash on XXXX/XXXX/XXXX for XXXX and another on XXXX/XXXX/XXXX for XXXX. I called the company and told them I had not taking out a loan in several months so I was not sure why they had those debit payments. I called my back and filed a claim for unauthorized account activity. They said I had to follow a police report and make a copy of my photo ID to recovery funds. I believe someone accessed my information without my consent and used it fraudulently ; I had no prior contact before this time from Speedy Cash in regards to money I owed or new loans as I paid the last loan off in XXXX.
|
| 09/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2022, I received a credit monitoring from AD Astra Recovery. I immediately sent to AD Astra Recovery Services via Fax and certified mail dispute regarding the validity, inaccurate, and/or unverifiable/uncollectible balances reporting on my credit report. I asked that they cease and desist any further illegal collection activity and I was ignored. It is my belief that this debt is being reported unlawfully and something was not disclosed clearly and/or was misrepresented.
I do not have any records to enclose regarding this debt to defend my request as nothing has been provided to date to substantiate why I owe this debt. I do not know the account number other than what is on my credit report ; I have never received any itemization of the current amounts reflected re : interest, fees, payments, and credits since the date of the reporting date of this debt. I also have not received any information regarding my debt collection rights.
|
| 01/22/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American, Servicemember |
|
I have an unverified account from Speedy Cash I had previously disputed this account. I have never done business with Speedy Cash. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request Speedy Cash Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Speedy Cash Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 04/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I had taken out a payday loan from Speedy cash for {$800.00} in XX/XX/XXXX.
During the repayment process I had reached out to them to let them know I was having a hard time paying weekly. Unfortunately they kept taking payments from my account which caused problems with al my other bills. I closed that account because they wouldnt stop. During that time I was moving and had some other health issues going on and ultimately forgot about the end of the loan payment.
XX/XX/XXXX I was served at work with a law suit from speedy cash for {$1900.00} and lawyer fees of over {$700.00}. Ive never been in that situation before and didnt understand what was served to me. While I was doing research and and working time had gone by and saw a judgment had been made against me.
This was my second loan I had taken from speedy cash. The first loan I payed off almost immediately. So, for them to take this as far as they did for {$300.00} is beyond me.
|
| 05/19/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
I had been applying for payday loans online to help out my current financial situation. On the morning of XX/XX/19, I received a call from a person pretending to be speedy cash. I was told they had approved a loan of {$5000.00}, but we had to boost my credit score first. They sent over official looking loan documents and even deposit {$790.00} into my bank account. All I had to do was return the {$790.00} to boost my credit score and receive the loan. This was a busy and stressful day for me, so I didn't put a lot of thought into it at the time, and I was desperate for the money. I was instructed to purchase gift cards called " steam '' for the amounts released by my bank ( XXXX XXXX XXXX XXXX ). The bank only released {$200.00} on the same day as the mobile deposit was made and then only {$200.00} the next day. On the third day, the check was returned by my bank and I was out {$410.00} ( i was charged a return item fee by my bank )
|
| 08/23/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXXXXXX XXXX XXXX is reporting a fraudulent account I do not owe. also In the state of Georgia Collection of Debt on Account 4 yrs. 9-3-25 According to the FCRA the Time limit begins 180 day after the first delinquent payment FCRA ( c ) Running of reporting period. 6 ) ( 2 ) ( 1 ) In general in paragraphs ( 4 ) and ( of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. ( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the.
|
| 02/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Today XX/XX/2018, I contacted a third party collection agency to set up a payment plan for a debt in the amount of about {$620.00}. The original creditor is a loan company. I couldn't get an account number but they knew who I was and verified by date of birth from the start of my call. I asked to get the account number and confirmation number and wanted to see it reflects on my credit report. I was put on hold. I was given their payment options but it wasn't favorable. I made my own terms but still given their option and asked would I be penalized for just paying what I can instead of making payments according to their plan. I couldn't get a direct answer. I was put on hold and then disconnected. I never received an account number or anything just amount and two settle plans I didn't want. I just wanted to pay on the account and receive verification and information about the account. Please help if you can. I need this debt cleared.
|
| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have contacted XXXX numerous times. There is an address on my report that is not mine from California. Ive actually gotten through to someone, they said it is removed, but its still there. I could never get a person again on the phone. Ive never even been to California. They also have a charge from a creditor from a AD Astra Recovery Services that does NOT belong to me. Now, they have reported that same one, thats isnt accurate again XXXX XXXX my credit report. XXXX. Its not mine. So Im not sure how they are saying it is. They are sayings its from XXXX The same exact thing from the same exact company is stating there is XXXX from XXXX of XXXX Ive never dealt or talked to this company. Now there is multiple reports of the same company. Its outrageous. Ive called XXXX times, and literally can not speak to anyone. Was put on hold for hours. Then, I wrote letters, they never responded!!! Im sick dealing with them, and I need help!!!
|
| 03/12/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I applied for what I believed what an installment loan in XXXX XXXX. In XXXX XXXX, I refinanced the loan, assuming it would stay an installment loan. I recently glanced at the refinance documents to verify my last payment date. At this time, I realized the refinance was set up as a payday loan. Maturity date is scheduled for XXXX/XXXX/XXXX with a blanket payment of {$1300.00}. The current loan documents do not specify credit as payday loan or installment loan. I 've requested the original loan documents & have not yet received them. But I have documents from a previous installment loan, wording the same as this current payday loan. The biweekly amount for the installment loan & payday loan are the same except for the last payment. The installment loan is already highway robbery, and i am aware of this which is why I know I requested an installment & not a payday loan. I spoke to a supervisor who could not assist me with my issue.
|
| 05/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Speedy Cash/XXXX XXXX XXXX SS XXXX XXXX Dollar amount {$400.00}.
I stopped payment on this payday loan because I think someone using my information came into the store and got the money. I had Speedy Cash send me a copy of the documentation that I signed. Attached to my information was a copy of a reference sheet that had people I did not know and was written in another handwriting. My bank stopped the money from coming out of my account but without my knowledge decided to send it to Speedy Cash XXXXXXXX XXXX zip XXXX. Speedy cash turned it over to a collection agency to get paid double. I would like to get this straightenout I have tried many times but it is hopeless.
XXXX XXXX XXXX has been no help with this. The date it cleared my bank was on XX/XX/2022. The claim number with my bank is XXXX account XXXX. If you need any more information you can call me at XXXX XXXX XXXX XXXX
|
| 02/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Speedy Cash XXXX XXXX XXXX XXXX {$300.00} This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note 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.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
|
| 08/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
I took a loan out with this company Speedy Cash for XXXX around XX/XX/2018. The company. This company was allowed to take deductions every third of the month. In XX/XX/2018 I enrolled in to XXXX XXXX XXXX in order to pay my bills Each company submitted how much I owed at that time. This debt company has been working to settle all of my debt. I recently applied for a credit card and was denied due to this company sending this account to collections. I have made 3 payments of XXXX and after enrolling in this program this company took and additional XXXX from my bank account. I had to close this checking account of 15 years to prevent this company from taking more money out of my account Speedy cash was aware that I was in this program and Im still in this program nowThey have been reporting a higher amount owed of XXXX on my XXXX Credit Report. I didnt get credit for any of my payments made to them. This amount is not correct
|
| 12/31/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Note : I had this bill paid down to {$400.00} dollars. I have been out of work off and on for two years now job terminated and others jobs terminated as I am in court over my job. Anyhow fees have been added even though I have not been working and I am on XXXX XXXX assistance ( I have even been homeless ). I tried to talk to this company in the past and they are not reasonable about this bill. They are reporting it to my credit report which has hurt my scores tremendously. The company has not presented the paperwork showing the total of the bill and how it is calculated on their end. Please help me resolve this matter.
{$820.00} Reported balance Original balance {$820.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/2019 ( 9 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX SPEEDYCASH COM XXXX TN
|
| 09/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
On Saturday XX/XX/19 around XXXX o'clock I went into Speedy Cash to pay off my loan for the amount of XXXX dollars. I paid the full amount with cash and asked for a receipt in which the teller gave me one. On XX/XX/19 at XXXX I get a phone call from Speedy Cash Corporate office in which they tell me I haven't paid off the loan and there's no record of me paying it off. I call the branch where I paid the loan and they show no record of me paying off. I asked if they have any cameras and if they could review the footage and the teller said to come over and we'll be able to review it. Around XXXX o'clock i go over to the location and the manager then says it'll be weeks before we could actually review anything. The manager did print a receipt for me showing the last time I paid my last loan on XX/XX/XXXX but not showing the XXXXThe thing is I have lost the receipt and the only way to prove i did pay is with security cameras.
|
| 01/26/2023 |
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
|
|
Web |
|
|
On XX/XX/22 I submitted a complaint through the CFPB about collection agency Ad Astra because they failed to meet FDCPA requirements and never validated the account that is reporting on my credit report. Since then, XXXX and XXXX have removed the inaccurate account, but XXXX is still reporting this account without any method of validation. The collection agency could not provide a contract with my signature, a license to collect debt in my state, or history of the account hence why it was removed from XXXX and XXXX. XXXX is in violation of FCRA protocol by reporting inaccurate information on a consumer 's credit report. This account should be immediately removed from my credit report, or I will be seeking {$1000.00} per violation. I will attach the letter that was sent to Ad Astra in which they could not provide the required information. XXXX should follow suit immediately and remove this account from my credit report.
|
| 12/03/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
To whom this may concern. I am a victim of identity theft in which someone has used my identity to open this account with AD ASTRA RECOVERY SERVICE. I have made efforts to remove this account in the amount of {$1400.00} that does not belong to me. This account was fraudulently opened through this company AD ASTRA RECOVERY SERVICE in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
|
| 09/26/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I honestly dont remember the debt. I went ahead and told them that but also took responsibility to clear my name. I ended making a one full payment for the collection and they assured me they were gon na remove the collection from my report. It has been its been 45 days since they day I paid it off and it still shows on my XXXX report. I never received a payment confirmation letter or anything other than a confirmation payment. That was told to me over the phone they said I was going to get a letter and they were going to take that out of my credit. I called them again and they told me now that they dont remove collections that is going to show as paid collection, when I was told otherwise to convince me to pay it off. I dont even have my full account number. I just know the original creditor is SPEEDY CASH and the collection was paid to XXXX XXXX XXXX. My name is XXXX XXXX XXXX XXXX and my social security is XXXX.
|
| 04/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is in response with your recent claim that I owed you. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to placed it for a collection with profit loss write off.
Should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful noncompliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result lawsuit against your company. FDCPA Section 807 ( 8 ) If you can not validate the debt it gives valid reason to remove and delete it from my credit report IMMEDIATELY.
|
| 12/28/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
A XXXX XXXX loan account ( XXXX ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.
A copy of my Identity Theft Report and proof of my identity.
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
I appreciate your prompt attention to this matter, and await your reply.
|
| 06/22/2021 |
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
|
|
Web |
|
|
XXXX XXXX notified me of an inquiry on my XXXX credit report. When I contacted XXXX on XX/XX/2021 dispute this error, they closed the dispute within twelve hours, responding that it was a factual record of file access.
I had informed XXXX that I never authorized a credit report " pull '' to Curo XXXX XXXX, ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) nor have I authorized Any company to pull my credit in the last 180 days. They chose to ignore my pleas that this access is fraudulent and my concerns that it will be used to commit fraud that may cause monetary damage to me.
XXXX has offered to sell me a product that notifies my by text message for $ XXXX/month as a remedy to this dispute. I need the CFPB 's assistance to remedy this issue and prevent this from happening to other consumers.
I have also contacted Curo XXXX XXXX but there is no way to get a hold of a human being so I left a message.
Please help!!!
|
| 08/31/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Recently I tried to apply for a car loan but to my surprise I was denied because of false inaccurate reports on my consumer report. I have acquired a copy of my consumer report on XX/XX/2022 and to my surprise Ad Astra Recovery Services was reporting FALSE INACCURATE information to my consumer report. On XX/XX/2022 I disputed This inaccurate information with Ad Astra Recovery Services nicely asking to remove the account for negligence and for violating my FCRA rights under 15 USC 1681 ( a ). 15 USC 1681 ( b ), 15 USC 1681e ( b ), 15 USC 1681e ( e ) ( 2 ), 15 USC 1681a ( d ) and Ad Astra Recovery Services is currently RE-AGING this account which is a violation of FCRA sec.605, and also fraudulent. PLEASE REVIEW ALL MY CONSUMER REPORTS FROM DATES OF XXXX TO SEE Ad Astra Recovery Services HAS BEEN ILLEGALLY AND FRAUDULENTLY RE-AGING THIS ACCOUNT UNLESS THEY CAN PROVIDE THAT I HAVE MADE PAYMENTS IN THESE TIME FRAMES.
|
| 03/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Received a letter notifying me that the company SpeedyCash was turning my personal information into a collection agency due to unpaid loans. I never received any notification by mail or phone prior to this threatening letter. After several minutes and several phone transfers, the SpeedyCash representative advised me to get a police report filed so that the company will stop sending my personal information to a collection agency. After I filed the police report, it was discovered that SpeedyCash did not do their due diligence when giving out multiple loans in my name. They just gave the loans out to somebody with a completely different name and address with my SSN number. The detective stated that that is a huge red flag when giving out personal loans. SpeedyCash still has not put an alert throughout their company to let their people know NOT to loan any money out to somebody that is using my personal information.
|
| 03/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have been trying to have this account removed from my credit report for about two years now. This is not my account! I did not apply for this! I did not receive any benefit from this account. I have reached out to the company directly and I have also disputed with the Credit Bureaus directly. The most recent time I disputed this account to a credit bureau ( XXXX ), they stated that this account meets FCRA guidelines and that the company AD ADSTRA RECOVERY SERVICES, stated that the amount that was owed was incorrect. They updated the balance by XXXX dollar. It reflected on my credit update on XX/XX/XXXX. Then on XX/XX/XXXX they updated my account again stating that the balance was decreased by a XXXX. This company is trying to make it seem like I am paying on a balance that I do not owe. This is unethical. The account is not mine and this company is falsifying information and it is affecting my credit profile.
|
| 08/08/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Dear Sir/Madam, Re : Original Creditor- Speedy Cash Re : Original Creditor- XXXX XXXX Im writing this letter to open a negotiation on the debt for the account number provided above. After a period of financial hardship, I am currently working to address several unpaid debts Ive acquired. However, I still have limited resources and may only be able to pay back some of what I owe.
With that in mind, I would like to propose to settle this debt for {$200.00}. In return, I request that your company remove any late payments or charge-offs related to this account on my credit report.
If your company is willing to accept this offer, please prepare a settlement agreement, sign it and send it to me. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed.
Sincerely, XXXX XXXX XXXX
|
| 09/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/2019 i took out a loan with speedy cash for XXXX . My first payment of {$100.00} for the loan was extended out to XX/XX/2019. I was led to believe that this was a true and actual repayment plan, but " secretly '' it appears to be another date which forces me to accrue unwanted interest. Every pay period since the loan has been out someone at the store location changes the due date of the loan. If no fraud is being committed why would it show on their internet website for my account information, as well as phone call reminders a few days before that my loan payment is due on one date, but secretly someone at the store has it appear as if i called to change my payment date. When i call customer service to complain they can only tell me dates to which a request to change the due date was made. I have " NOT '' spoken to anyone at the store location since XX/XX/2019 when i was there taking out the loan.
|
| 08/24/2016 |
Yes |
|
|
|
Web |
Older American, Servicemember |
|
None of the above describe my issues However, on XXXX 2016, I call XXXX XXXX XXXX for Speedy Cash XXXX XXXX after viewing my XXXX credit report I came into an agreement with them to pay off the {$1400.00} in full that day and they promise to delete the collection file from all Credit Reporting Agent. However, to this day that has not happen, their excuse : In XXXX 2016 they said it take 30 days ; XXXX 2016, they said it take 30 days, XX/XX/XXXX - XX/XX/2016, they said I would have to wait another 30 days however, they did say that they did submit the information to all Credit Reporting Agent and they just have not done it however, I call XXXX and they said the late time they had any communication with XXXX XXXX XXXX XXXX or Speedy Cash since XXXX XXXX, 2016, and the did not ask them to delete any files. I attempt by phone to resolve this issues to know avail, just lies. Can not contact Management of lender.
|
| 12/09/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hello, This email is in response to a collection account on my credit report. I sent a request to all 3 credit bureaus as well as your establishment to make sure everything on my report was accurate and they have verified the account was accurate, but I have not received any documents to support the validity of this account. Your company also has not responded to the certified letter I sent requesting validation of this debt. I am requesting that you provide validation of this debt.
*Proof of ownership with my approval to sell this debt to a third party company *Payment History with Original Creditor *Orignal Lease Contract with wet signature If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and The Texas Attorney General 's Office . If my rights continue to be violated. I will also consider consulting with an attorney.
Sincerely, XXXX XXXX
|
| 12/10/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
Some one used my information to get cash from Speedy Cash it was not me I believe Speedy Cash approved {$250.00} and now a Credit Agency - XXXX XXXX is sending me messages that I owe {$300.00} When I called Speedy Cash to let them know I did not ask for nor receive money from them they told me to make a police report -- the hours that I work do not allow me to go to a police station to file a report -- the local sherriffs office is not open on XXXX. -- the credit agency told me to file with you so that's what I'm doing -- I did have some one try through the XXXX XXXX XXXX XXXX file for a bunch of dept. store cards online - XXXX XXXX, XXXX, XXXX XXXX, to name a few so I think it might be whoever did that - XXXX XXXX did tell me that they are the bank for XXXX to which I had a card I cancelled so I think this all a result of cancelling that card. -- Thanks -- I did not take a Speedy Cash loan wasn't me
|
| 06/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
Servicemember |
|
Over the least 18 months I've attempted to contact the business Speedy Cash & the collection agency XXXX XXXX. Speedy cash refuses to provide copies of paperwork that would have had to be filled out to obtain alleged loan. XXXX XXXX the collection agency also refuses to provide any proof that I obtained a payday loan. I have never obtained a payday loan anywhere in my life. I'm a retired police officer with full pension prior to XX/XX/2015 when they allege I obtained the loan & when I refuse to give my full SSN # they hang up on me!
Without them providing any documents I would have had to sign, it's difficult to prove the loan was not obtained by me. I also have bank documentation that unknown persons had gained access to my checking account around the same time & can provide that If necessary. That loan isn't mine & the 2 businesses involved are highly uncooperative & why I need help dealing with them
|
| 07/28/2021 |
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
|
|
Web |
|
|
On XX/XX/2021 I recognized that my credit was being used and there was unauthorized hard inquiries on my credit report from someone attempting to obtain credit in my name. I have filed a police report, and sent a formal letter to all three credit bureaus stating that I was victim of identity theft and fraud. I also placed a fraud alert on my credit.
XXXX was able to remove all of the inquiries, however, when I contacted XXXX and XXXX on XX/XX/2021 they refused to remove the unauthorized hard inquiries even though I mailed in a dispute letter with a police report attached.
I am very furious because these fraudulent inquiries have hurt my credit and I am now not able to even apply for anything myself because the inquiries dropped by score 50 points.
There are 7 inquiries on XXXX and 5 on XXXX that I need removed immediately. The companies involved are XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX
|
| 08/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Back in XX/XX/2014 I took out a payday loan with Speedy Cash. I made several payments on the loan but was unable to complete the payments. To this day it is still on my credit report, but that is not the issue. The issues is that every year they transfer the debt to a new collection company, and what that does is makes it seem as if the debt is a new debt being reported. Let 's say that they transfer the debt from company A to company B as of today. They are reporting to company B that this is a new debt which means that this debt would be present on my credit report for the next 7 years. Let 's then say that next year they transfer the debt from company B to company C. They are then telling company C that this is a new debt starting the whole process over again. They need to report the debt from the day that default occurred and not from the day they transfer the debt. This is fraudulent reporting.
|
| 05/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
I am still gathering the documents that I need. At the present time I do not see a problem getting those documents. XXXX XXXX has taken money out of my bank account without my permission. I made a payment online and the company then took out the complete installment that was due., I had informed them I was attempting to make payments and there was no disclosure indicating that they would be withdrawing the complete amount. I was very stressed and could not sleep for days. Speedy cash has not resolved my concern. I need to know how the company will compensate me for their mistake. I feel so uncomfortable attempting to pay that debt. Scared. Very deceptive business practice. My name is XXXX XXXX XXXX.My date of birth is XX/XX/XXXX, my social security number is XXXX. I do not have the loan number. Please do not publish my personal information. you may publish everything but my personal information.
|
| 12/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was contacted by an agent by the name of XXXX who works for AD Astra Recovery Service. She informed me that I owed {$1000.00} for a loan taken out at XXXX XXXX XXXX ( Online ), but my credit report says SPEEDYCASH XXXX XXXX TN. This loan was taken out in my name sometime in XX/XX/2019 for the original amount of {$600.00}. I informed her that I was taking finals at this time in college and did not have a job to even cover a loan. This loan was taken out fraudulently and I would like for them to send me further information. XXXX told me it would effect my credit if I didnt pay something on it. I thought it was a scam caller and hung up. I then later learn more about my credit and seen that this was indeed posted on my credit. Please tell me my next steps to have this removed. Even the address that was given for me at the time is incorrect and I do not know anyone that says at the address given.
|
| 08/21/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XX/XX/XXXX a company name XXXX XXXX XXXX XXXX reported that I took out a loan for XXXX and agreed to pay it back in one month. Well I disputed this item ( s ) per XXXX XXXX XXXX. A creditor has 30 days to reply to a dispute, This company did In 7 days durning the early month of XX/XX/XXXX clearly saying That I took out this loan for XXXX In XX/XX/XXXX & reported as a collection in XX/XX/XXXX. I phoned and also Electronically requested by ( e-mail ) a copy of a signed contract showing my hand signed signature agreeing to pay it back or that I even took out a loan for XXXX. Its reported to the credit bureau ( s ) as the original amount. I have tried very simple efforts to get them to either provide me with this agreement Or delete this from my credit report ( s ), Instead they updated my credit report ( s ) as accurate without providing me with any of the documentation I requested from them.
|
| 07/12/2022 |
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
|
|
Web |
|
|
The Fair Credit Reporting Act requires that the credit reporting agency report accurate information. XXXX XXXX XXXX has me in collections for XXXX accounts. Original XXXX reported as Speedy Cash for {$560.00} and XXXX XXXX {$610.00}. I am reporting both for predatory lending targeting a certain economic group and using unlawful practices for monetary gain. This is a violation of my rights under the Fair Credit Reporting Act Title 15 us code 1663 Advertising of open end Credit plans. 15 US Code 1691 D2 Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. 15 US Code 1692 A Abusive Practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices contribute to the number of personal bankruptcies, marital instability, to the loss of jobs, and to invasions of individual privacy.
|
| 11/29/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
I received this e-mail claiming to be from a law firm claiming I will be prosecuted for an unpaid debt and numerous other threats that violate consumer collections laws. Their e-mail does not tell me who the debt is for, just an extensive list of the companies they claim to represent. As a legal document, it is if filled with grammar and spelling errors. It is a very unprofessional letter.
Another red flag is it appears I am only Blind copied on this e-mail so who knows how many other people received the same e-mail. The biggest red flag is that it is coming from personal e-mail addresses.
Finally, this is not the first time I have received an e-mail like this from XXXX Attorneys.
I have been a XXXX XXXX for XXXX at a rather large XXXX for 14 years and I know consumer protection rights when it comes to collecting on a debt.
This is a major violation and they need to be stopped.
|
| 12/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been requesting, since XX/XX/2021, verification of this alleged debt that this agency claim I owe and which they are reporting on my credit files. However, they have failed to obtain and send me legal verification as mandated by the law. Furthermore, I have requested verification and validation, several times, directly through each of the XXXX XXXX XXXX and each time they have reported that they electronically verified the accuracy of these alleged claims through their automated systems, yet you failed to do so for me... why is that. Thus, they have failed to cease collection activity until verification of debt has been made by continuing to report inaccurate and unverifiable information to these XXXX XXXX XXXX as prohibited by the Fair Credit Reporting Act. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law.
|
| 12/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was contacted by an agent by the name of XXXX who works for AD Astra Recovery Service. She informed me that I owed {$1000.00} for a loan taken out at XXXX XXXX XXXX ( Online ), but my credit report says XXXX XXXX XXXX TN. This loan was taken out in my name sometime in XX/XX/2019 for the original amount of {$600.00}. I informed her that I was taking finals at this time in college and did not have a job to even cover a loan. This loan was taken out fraudulently and I would like for them to send me further information. XXXX told me it would effect my credit if I didnt pay something on it. I thought it was a scam caller and hung up. I then later learn more about my credit and seen that this was indeed posted on my credit. Please tell me my next steps to have this removed. Even the address that was given for me at the time is incorrect and I do not know anyone that says at the address given.
|
| 05/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX is reporting the account with AD Astra Rec inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint. In addition the information XXXX is reporting does not match the information reporting by the other credit agencies. I have gave them ample time and opportunity to resolve this issue before having to take the route of filing a complaint
|
| 03/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Speedy Cash XXXX XXXX XXXX XXXX XXXX, TN XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX Pay Day Loan Company ( Cheating the Poor out of their money ) I took out an loan, and was unable to pay. The company refused to take payment.
Transferred the Pay Day Loan to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS. XXXX ( XXXX ) XXXX I was told to make payment arrangements, However when I call XXXX XXXX XXXX XXXX, they refuse to set up for me to pay at the Speedy Cash Location in XXXX, Tennessee.
I have been trying to make payments since XX/XX/2017, to make payment at the Speedy Cash in person, this company refuses to set up payment arrangements.
I request that these type of companies hurt the community, and poor peoples credit scores! They over charge all minorities, and the white people get charged less rates on an dollar. This business should be closed, and ran out of town!
|
| 02/27/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
In XXXX I took out a loan with Rapid Cash and paid half that debt. I was left with owing them {$270.00} which I didn't pay and it went into collections and has been on my credit for the last 2 years. I haven't had contact with Rapid Cash since XXXX. As of XX/XX/XXXX Rapid Cash forged a cashiers check in my name with my banking information and paid themselves {$270.00} without my authorization. I filled a fraud claim with my bank and they put a block on my account and are investigating it. I'm filling a police report too. I called Rapid Cash to get the person who illegally forged a check in my name, they were unable to give me that information. When I spoke to the lady who works at Rapid Cash she said they haven't been able to get ahold of me and are allowed to do that. Forging a cashier check without authorization on a 3 year old loan that has been on my credit for 2 years is illegal!
|
| 11/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
I received a delinquint bill from a company called XXXX XXXX XXXX XXXX that was due to a payday loan from a company called Speedy Cash.
The loan was in an old name of mine that I have not used in over 9 yrs.
Loan Date : XX/XX/2018 Loan amount XXXX Loan Number XXXX XXXX XXXX I have disputed this twice and each time they say the information is true.
my Dr. Lic. ends in XXXX on the loan is says XXXX they do have the correct ss # I have also spoken with the creditor several times and asked for supporting documents I would like to inspect the loan documents myself. They promised to send them but never have.
I have never in my life taken a payday loan from any company and would like this removed from my credit report. They claim that one payment was made from XXXX XXXX but will not send any cancelled checks or documents etc.. I want this removed from my credit report. It is not my debt.
|
| 03/23/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I took out a auto title loan with Cash Call and was given more then I could qualify for and rushed thru the rates which are illegal. They gave me a {$10000.00} auto loan with rates over 200 %. Yes that is correct an auto loan with over 200 % rates. I was at a bad time in my life and going thru XXXX issues and they took advantage of that by skimming quickly thru the papers and having the money on the counter while I was signing to distract me from the papers. Well I made a couple payments and then couldnt make the {$1100.00} a month payments on a 72 month {$10000.00} loan. I have been disputing this as an illegal loan with XXXX and the other XXXX bureaus with out getting it removed. This is effecting me from being able to get mortgage licensing and costing me big time. I need this removed from the credit bureaus as this illegal loan should not be allowed to post to the credit bureaus.
|
| 07/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX is trying to collect on a debt for a title loan account via XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I do not recall ever having a title loan through this company and have tried repeatedly to get proof the debt belongs to me by requesting a contract from XXXX XXXX bearing my original signature. XXXX XXXX has been unable or unwilling to provide this information. I have reported to all XXXX credit bureaus that XXXX XXXX has been unable to provide this information and the debt still remains on my credit. XXXX XXXX is also reporting false information on the date this account was opened. According to the statement I was sent, it was opened in XX/XX/XXXX and XXXX XXXX states it was opened XX/XX/XXXX . Per the Fair Credit Reporting Act, changing the date the account is opened/closed is agains t Federal Regulations.
|
| 11/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company Ad Astra Recovery Services Inc is reporting a debt on my credit report that is not mine. On my credit report ( s ) this collection says it was opened XX/XX/2018 and th3e amount is {$1100.00}. I have contacted the company and disputed the reporting with the bureaus. The collection is on my credit report and I have not received an answer from Ad Astra Recovery Services. They are trying to collect money from what I assume is a loan. I have never taken out any payday type loans or fast cash loans. The name of the original company is SPEEDYCASH XXXX XXXX VA. I do not know if the company perhaps made a mistake and reported my name by accident instead of someone else or if this collection is a result of identity theft. I have tried to resolve this and haven't received any response from Ad Astra or SPEEDYCASH XXXX XXXX VA in regard to deleting this inaccurate information.
|
| 11/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company Ad Astra Recovery Services Inc is reporting a debt on my credit report that is not mine. On my credit report ( s ) this collection says it was opened XX/XX/2018 and th3e amount is {$1100.00}. I have contacted the company and disputed the reporting with the bureaus. The collection is on my credit report and I have not received an answer from Ad Astra Recovery Services. They are trying to collect money from what I assume is a loan. I have never taken out any payday type loans or fast cash loans. The name of the original company is SPEEDYCASH COM XXXX VA. I do not know if the company perhaps made a mistake and reported my name by accident instead of someone else or if this collection is a result of identity theft. I have tried to resolve this and haven't received any response from Ad Astra or SPEEDYCASH COM XXXX VA in regard to deleting this inaccurate information.
|
| 11/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I had a payday loan due around XXXX/ XXXX of 2021. I was out of work and unemployed due to a XXXX XXXX until XX/XX/2021. I received numerous emails from an attorney claiming to be a representative of speedy cash. She warned me that I would be in a lawsuit with the company and if I wanted to settle this matter outside of the courthouse, I would need to make a payment or several payments. I was scared to be prosecuted and I knew that I had a late loan to pay so I didn't think anything of it. I sent them 2 payments of {$290.00}, 1 payment of {$250.00} and 1 payment of {$590.00}. I sent these payments through XXXX XXXX around XX/XX/2021. Today on XX/XX/2021, I noticed a withdrawal of the original amount due for the company through the company. I called the company explaining my situation and they confirmed that it was a fraud account. The email I was in contact with was XXXX.
|
| 12/23/2020 |
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
|
|
Web |
Servicemember |
|
Ad Astra Recovery Service is currently reporting an account it alleges I have with them.
I have previously asked them to provide me with documentation that would provide both validation and verification. All that was provided was an account with payment dates. None of these pages have an original signature from me.
Nor have they provided any documentation to me which even proves that they acquired the date, the manner in which they acquire it and how much they supposed paid for said debt.
Furthermore, while I had not considered legal action, if the paperwork is not provided to me, I will file suit with the FTC and other agencies to resolve in one manner nlt XXXX XX/XX/2021 as I have been waiting almost a year now for them to provide me a signed document where I contracted them to do any business with or for me. Or any document where and how they acquired this debt.
|
| 07/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
sir. i get one pay loan speedy cash. my emergency situations harricaine Harvey in XXXX tx i get this loan. loan principal amont. {$3000.00}. loan a/c # XXXX. i pay back each 15 days my payment due. i make 9 payment every 15 days each payment amount is {$510.00} i did total payment {$4500.00}. my hard situation lose my job. i call i need payment extended payment. speedy cash no give me any chance to extend due. date. no any help no did. i so many i call. nobody help me. this speedy cashinstallment loan company they did track my debt card. and back account. i tell my no pay this company. my bank officer told me. this kind ilegeal payday loan companies. you change bank account. that's more better. after 4 months later. one collection call come to phone. you wants pay {$5100.00}. i don't know where amounts coming from. this one type financial discrimination. pls help sir.
|
| 04/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I made a parcel payment on my title loan on XX/XX/XXXX my balance was XXXX. My initial monthly is XXXX. On XX/XX/XXXX my checking account was debated for XXXXOn XX/XX/XXXX I went into the store and made my payment of XXXX thinking that my account is now current. On XX/XX/XXXX after XXXX my checking account was debated again for XXXX. I called speedy cash and I called the store in which I have the title loan. I had to wait until the money cleared my account and take a copy of my bank statement showing the money taken.Well finally when I went into the store I was told I had no moneies owed to me, because theXXXX was past due interest on top of my partial payment totaling XXXX which includes interest. I think this is very shady practice on speedy cash because you are not informed that you can be charged double the interest when making partial payments and not a late fee.
|
| 06/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
After receiving an overwhelming amount of emails and calls I mailed an official cease and desist letter to the company Speedy Cash on XX/XX/XXXX. The letters were sent to no avail I have received persistent emails and calls to date. I have blocked this number previously to attempt to limit the amount of harassing calls I have received regarding this account however that has not limited nor stop the ongoing harassment. Calls on XX/XX/XXXX @ XXXX XX/XX/XXXX on this day I spoke with a representative and informed them that a cease and desist letter was sent to stop harassment. The representative was told that the call would be documented and reported. XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX Emails to date on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX. They have used random numbers to call me. These numbers have been from different area codes nationwide.
|
| 01/24/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I borrowed XXXX XXXX dollars with a contract to pay on the loan every fourth friday of every month. Speedy cash changed the date every month the payment is due and besides that I have paid {$1600.00} on the account and all payments have gone towards the interest and late fees. I have given seven payments at {$220.00} each month since the loan and I owe at this time {$2800.00} at this rate the loan will cost more than I borrowed. I need help because this is a car title loan and I ca n't afford losing my car over this. I have called the corporate office and talk with personal they all say the same thing there is nothing that can be done except keep making the payments. The company staff is rude and unreasonable you would not believe the things that the low class unprofessional staff members have said to me. It 's like I borrowed the monies from XXXX in a street alley.
|
| 07/13/2021 |
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
|
|
Web |
|
|
Upon checking my credit report on XXXX, I noticed various " hard inquiries '' from companies from which I've never applied for a loan.
On my XXXX report, a hard inquiry is shown Curo Management, LLC dated XX/XX/2021. I did not apply for any product with Curo ( or any brand or company owned by Curo ) on that date.
I reached out to Curo via email on XX/XX/2021, and followed up on XX/XX/2021, asking them to investigate and remove these unauthorized hard inquiries. I did not receive a response.
On my XXXX report, a hard inquiry is shown from XXXX XXXX for the same date, XX/XX/2021. I contacted XXXX customer support on XX/XX/XXXX and followed up again on XX/XX/XXXX, but the team did not investigate the unauthorized hard inquiry nor remove it from my report.
I would like these unauthorized inquiries removed from my credit reports, as they are damaging my score.
|
| 01/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not owe Adstra recovery, Adstra recovery will not validate the debt, I have asked for the last 3 years, I have disputed with XXXX, they have come back that is is accurate, I asked XXXX to provide me the information that was given to them and they have not provided the information, I have also asked Adstra recovery to provide me the information, Adstra recovery has never provided any business or service to me, but they want to get money out of me, this is Fraud.
Do I have to hire an attorney or a Credit repair company to remove this, if I do that it would be removed immediately, why is that? So is XXXX working with Adstra?
Per the FDCPA Adstra recovery and XXXX are in violation Also just attempted to speak with a supervisor ( XXXX ) from XXXX, he was rude and said they would not remove it and I asked to explain to provide me with the info and he would not
|
| 05/27/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
I was approved for a loan and wanted to take the funds but was unable to do so because I refuse to sign their Optional Payment Card Authorization. XXXX XXXX has my account on file and my debit card as well. I told the representative that I did not want them them to debit my card but they can ach the funds out of the account instead. The problem with this is that I didn't sign it before and still received a loan. Also this company has went out their way to give single payday loans to individuals and not receive a debit card on file or a check as collateral, instead they would do a draft by putting the store number as a replace of check. when I ask if they can do the same for me they stated no.
This is a form of udaap. they treated me unfairly and treated others different. Ive work for this company for tens years now that I'm a customer mi am treated differently.
|
| 07/22/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Received an email from someone claiming to file and misrepresent themselves and call my job and put me in jail saying they represent some loan companies. Says upon receiving this email they will issue a legal warrant on my name within the next couple of hours and if I email is forwarded then that its prohibited and illegal. I do not know the firm pertaining to this debt. They have my social ( someone stole my social and filed unemployment ), drivers license number, date of birth from an address 8 yrs ago.. says I can lose my job, and downloaded into the state and county systems and all 3 credit bureaus. Name of company is XXXX XXXX XXXX, XXXX XXXX, Sr. Investigator @ XXXX XXXX XXXX. XXXX. They have all my personal information on this email which is not secured and asking for {$8300.00} as my loan 8 yrs ago was for {$700.00} or $ XXXX.I believe its a scam.
|
| 07/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
When monitoring my credit I noticed that a Collections account from Ad Astra Recovery showed up on my 3 reports in the amount of {$6200.00} with the original creditor showing up as XXXX XXXX or XXXX XXXX XXXX. I have no information about this account or this amount of money that I supposedly owe. In XXXX, XXXX and XXXX of XXXX my mail box was broken into 5 times even after changing the locks in the complex that I live. I had Credit Cards opened in my name that I took care of immediately and a Jewelry line of credit opened in my name that I took care of immediately. All which were identify fraud. I have never heard of this company and I did not take out this money. This is Identify Fraud and I would like this account removed from the 3 credit agencies. I have been disputing this account with them credit agencies for 6 months but it has yet to be removed.
|
| 10/01/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I have been unable to make payments exceeding the minimum required payment amount since taking out the loan. The minimum payment insures I will pay massive amounts of interest to XXXX. I would like to pay down/off the balance of the loan but have been unable to do so.
There are no links on their website ( desktop or mobile ) to make a payment. The link to make a payment on their mobile app is broken and says " payments are not available at this time ''. I've emailed them twice now, once in early late XX/XX/XXXX and again on XX/XX/2018. I've tried calling multiple times to setup a payment and or ask about their " broken '' wesbite/app features, but I have never been able to get a hold of a an actual person.
The way everything is with their website, app, and non-existent phone reps it seems like they almost don't want the principal amount paid down ...
|
| 08/02/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This company is reporting to all 3 major credit bureaus that I still owe a debt in connection with a payday loan. I satisfied and paid this debt on XX/XX/2018 through a law firm they hired to help collect the debt. When I speak to XXXX XXXX ( the company reporting the collection to XXXX, XXXX and XXXX ). They tell me they have not yet received " remittance '' from the law firm and refuse to report this accurately as paid in full. The law firm, XXXX XXXX, states they sent XXXX XXXXXXXX the proof of payment on XX/XX/2018 and that XXXX XXXXXXXX is the only one that can correct the reporting on my credit.
I called XXXX XXXXXXXX today and was hung up on repeatedly and told they would not correct this reporting. I have filed disputes with all 3 credit bureaus and supplied the proof with documentation, but XXXX XXXX has maintained this reporting to all 3.
|
| 02/19/2017 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
( incorrect issue type, could not find appropriate heading ) I paid off previous loan # XXXX on www.speedycash.com with a one time payment by debit card. I was unaware that this action would automatically save my debit card to the account for future use. Therefore when i renewed the loan, the debit card, in addition to my banking infowas listed in the loan documents. The loan documents indicate a saved debit card will be processed " early in the morning '' on the due date. Although I feel this is not a good practice being all financial institutions do not post direct deposits at the same time, my issue is that the website only allows you to change, not delete the debit card information. This is with a valid ACH bank authorization in place. The loan documents indicate the ACH can be canceled per customer request, but nothing is stated for debit cards.
|
| 07/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In XXXX I received a personal loan from XXXX. Right after COVID hit and I lost everything. In XXXX I began to recover and tried contacting the company and they said they did not have an account under my name but had sold my account to a debt collector called Ad Astra Recovery Services. For 2 years I have tried to pay this off but all I get is no such account, on hold for hours, no answer, or you have to call XXXX/Ad Astra-in other words finger pointing. Now they have blocked me from being able to make any type of payment except money order which I am not gon na do because I have been burned way too many time and the mail carriers are extremely undependable. The finger pointing has begun anew in who is responsible and who can unblock my payment status. The {$500.00} is now {$940.00} because of the shady tactics and false promises by both companies.
|
| 06/30/2022 |
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
|
|
Web |
|
|
SPEEDY CASH/ CURO XXXX XXXX XXXX XXXX XXXX XXXX CURO XXXX XXXX XXXX XXXX XXXX 15 U.S.C . 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.
|
| 02/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Company, Speedy Loan sent me an email with a form, requiring a signed affidavit from notary public or police officer. This is unfair, they said if not received by XX/XX/XXXX, they would be continue collection activity on my account. This is wrong, account is not mine. Sent gmail on XX/XX/XXXX. It all started when I tried to get a loan about XX/XX/XXXX. They have all my Bank information. Not fair or right. Also, I emailed them on XX/XX/XXXX the, asking them not to proceed with collections activity. I would contact you cfpb, with a complaint. It seems they threatened me, for something I had absolutely nothing to do with. Please help me with this.
XXXX XXXX PS- We are in a world wide Pandemic. I hardly go out, but do business on my phone. Too dangerous for me. I am a XXXX XXXX Get, trying to survive. Extremely unfair what they are doing.
XXXX XXXX
|
| 04/10/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I have two installment loans. One with SpeedyCash.com and the other one is with XXXXXXXX. I took out the loans in XXXX after starting a new job. I have made all of my automate payments as scheduled. Today I called for a payoff and settlement of the loans. That's when I found out that I have been paying primarily interest on the loans. I have already paid back the principal on both these loans. SpeedyCash.com loan was for {$820.00} and I have paid back {$1400.00} with a payoff of {$730.00}. XXXX loan was for {$400.00} and I have paid back {$640.00} with a payoff of {$430.00}. There was no way of getting off or this cycle. I called and told the companies that my wife had lost her job because of the COVID-19 I was offered to extend my payment by 5 days or make half of the scheduled payment. I asked if it was a way to settle the loan I was told no.
|
| 03/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX SPEEDYCASH COM XXXX TX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 03/08/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
SpeedyCash.
When I pay more than the balance that is due my pay off amount drops like it should but when I get ready to make my next payment a couple weeks later on the due date and my pay off amount has risen back up. Ex. XX/XX/2018my payment due was {$82.00} and the payoff balance was {$470.00}. I paid XXXX even and the payoff balance was dropped to {$380.00} Two weeks later XX/XX/2018 I went to make my payment on the due date which was {$81.00} the payoff rose back up to {$460.00}. So I payed {$120.00} and the payoff balance dropped to {$340.00} I checked my payoff balance today XX/XX/2018 and it rose back up to {$410.00} Id like to know why they keep raising my payoff amount when Im paying more than the fee amount. How am I supposed to payoff my payment by my payoff due date ( XX/XX/2018 ) when they keep raising my payoff amount ...
|
| 03/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I obtained my consumer report on XX/XX/21 and I have a collection account that I believe are inaccurate and not fair to my consumer rights. I do not consent for my information to be reported to non affiliated third parties. This inaccurate reporting to the bureaus of my information needs to be stopped immediately according to 15 U.S.C 6802 section ( b ) I have this consumer right according to 15 U.S.C 1681a section ( b ) I have the right to authorize exclusion any information or credit given to me as the consumer from being reported. My information being reported is not only inaccurate and impacting my life as a consumer but is causing me incredible amounts of emotional distress.
In addition : They are in violation 15 USC 1692d as well for reporting to my consumer reports this is ruining my reputation and it is defamation of character.
|
| 11/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
Older American |
|
i was called from a gentleman who claimed he was with a lending company called speedy cash ( legit company i found out but the gentleman who called me was not from that company ) he in dicated that he needed to put into my checking account a mobile check to which i returned the same amount of money ) i new about paper checks but not mobile : I guess when these predators catch u in a vunerable time, anything can happy the person kept answering my questions with hesitation. When i called after finding out the check was bogus and i was out the money, everytime i called i got " XXXX XXXX '' and he kept telling me he would contact the bank ( lies ) and the last time he even had the audacty to ask me to open a new account with a XXXX XXXX and i cut him off immediately. I have filed a police report and the account at XXXX XXXX has been frozen
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| 11/30/2016 |
Yes |
|
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Web |
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This should be described as " can not pay lender back online within 3 days ''. Speedy cash has a policy where if you pay your loan back within 3 days you will not be charged any CAB fees. This is a great policy however they DISABLE the option to pay online during this time. So you have to go into a store with CASH to pay them back if you want to avoid CAB fees and interest.
I find this practice to be extremely shady. Why not allow me to make an online payment after I have an active loan? Why am I not able to make an interest free payment online until after the interest and CAB fee kicks in?
" You have the right to make payments in any amount in advance at any time. " In the screenshot I have attached you will notice there is NO way to make an online payment. If log in after the CAB fees kick in then the option to pay online show up.
|
| 11/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
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During XX/XX/2020, I applied for a loan through Speedycash.com and was approved for an amount of {$250.00}. I was offered two ways to receive this payment - through direct deposit or in-person at a Speedy Cash location. I chose direct deposit and waited to get my payment. After not receiving the funds and contacting them multiple times, I became worried and stopped any withdrawal from them through my bank account. I have contacted their claims department several times sending them bank statements as a proof of not receiving funds. Despite my efforts, they have harassed me every day since then demanding a repayment of {$300.00}. However, I was not given the service I was promised. Now they are threatening to send my account to collections. I have provided everything necessary as proof of not receiving funds and now need some extra help.
|
| 06/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I received a letter fro m Speedy Cash around the end of XXXX indicating I defaulted on a loan. I never applied for a loan. I immediately call ed Speedy Cash after r eceiving the letter and they told me the money was direct deposited into a checking account. It was n't my checking account. The agent then looked at the account information and the security questions were not answers or anybody I knew. Based on the answers it was somebody else that I knew. This person called Speedy Cash and with my permission paid/settled on the balance. I was told the negative reporting wo uld be removed. I even received a letter in RR mail shortly after this other person made the payment. Now the item is showing on my credit report and opened for the full balanc e. I called Speedy Cash today and they told me to file a complaint with the FTC.
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| 10/05/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
A title loan- which is unlawful- no matter the legal workarounds- was in fact offered to me in AZ. AZ atty gen has made zero progress on this- thru speedy cash. They gave me XXXX from day one between using my prepaid bank account- they have harassed and threatened me by mail when paying the bill. This harassment is unlawful. Then XXXX recalled me to XXXX XXXX. I am already in the irr pool by nature of my dispute for retiree reestablishment of benefits with the XXXX XXXX. EO were in fact issued for persons of my type. Speedy cash refuses to acknowledge that SCRA remains in effect- companies like this REFUSE to lend due to the scra- therefore I demand my loan be cancelled. The lender refuses- extorting my inoperable vehicle title. I demand the title- so I can sell the car and am reporting it stolen- have done so to XXXX police dept.
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| 08/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
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On or about XX/XX/XXXX, I contacted Speedy Cash in person to withdraw any consent to have payments automatically deducted for a Title Loan. I was told that action was taken to stop automatic deductions. This was done at the Speedy Cash location at XXXX and XXXX in XXXX, KS. On or about XX/XX/XXXX, I contacted Speedy Cash to ask for an extension of payment on my Title Loan. The request was granted and given a date of XX/XX/XXXX. Today, on XX/XX/XXXX, I went to Speedy Cash at XXXX and XXXX to pay off my Payday Loan and Title Loan. I was told that Speedy Cash attempted to withdraw funds from my bank account, without my permission, and that they had put a block on my debit card and I could not pay. These people are already taking advantage of the poor in America. Why are they still allowed to operate under such unscrupulous activities?
|
| 07/31/2015 |
Yes |
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- Charged fees or interest I didn't expect
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|
Web |
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My loan was due on XXXX/XXXX/2015 which I paid on XXXX/XXXX/2015. I was told my pay off would be {$550.00} on a {$300.00} loan so I paid it. The next day, I XXXX guessed that payment and called to inquire ; I was told by XXXX that she had to speak with XXXX the store manager and would call me back. I had not heard from XXXX so I called today, XXXX/XXXX/2015. XXXX simply apologized to me, stated there 's nothing she could do " days later '' and offered me another loan for {$200.00}.
I stood in front of the person helping me and counted out {$550.00} and handed over a quarter. The girl handed me back a XXXX dollar bill and said I gave her {$550.00}.
I was n't given a receipt or the copy of my contract. I was so disturbed over owing {$250.00} on a {$300.00} loan that I just walked out of the place.
I have been taken advantage of.
|
| 09/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX COMPLAINT FOR EQUITABLE RELIEF FOR VIOLATION OF SECTION 1 OF THE SHERMAN ACT, 15 U.S.C. 1 The aforesaid agreements unreasonably restrain trade and are illegal under Section 1 of the Sherman Act, 15 U.S.C. 1 Title 15 U.S. CODE 1 - Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court.
|
| 08/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
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On XX/XX/2021 I had applied and received a loan for {$500.00} from Speedy Cash online. I went about my week thinking I had funds in my bank to cover overdrafting my account and then I saw my account at XXXX. On XX/XX/2021 the funds were withdrawn from my account, and also accrued 6 overdraft fees for payments that were supposed to be covered by my loan. I called Speedy Cash support and they told me that they don't see anything in their system that they took my money. I called my bank and they said there is nothing they can do because I have to handle it with the merchant. I sent bank account statements with activity and still waiting from Speedy Cash to resolve the issue. Meanwhile I am accruing penalty fees from Speedy Cash for a loan they gave me and took back. I am behind on my bills and very frustrated with this whole process.
|
| 07/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
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XX/XX/XXXX I called for the 3rd time to see if someone would actually be able to help me this time around. My account has been opened since 2018. I am going on 2 years paying this loan in the amount of {$180.00} biweekly. Mind you this loan has a {$12.00} DAILY interest rate. So {$160.00} goes to interest and the remaining {$21.00} goes to my principle. I have made every payment. But now with all of this covid-19 going on my source of income is laying off a lot of people. This is my last week being employed. I called and advised them if there is a way they can work something out with me. I even offered to pay {$1700.00} that's more than half of the loan so it can finally be closed. But no they weren't able to help me with this. After 2 years of paying this loan I am sure I have paid the borrowed amount and a bunch of the interest.
|
| 10/12/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
SpeedyCash has attempted to extort me since XX/XX/2017 in XXXX Texas. Their tactics began when I began to work for XXXX and XXXX XXXX XXXX XXXX. Their tactics were aggressive and misleading. In order to continue their perpetuation of disrespect, they used countless area codes originating in places across the globe. They called from XXXX, XXXX, etc, in attempts to collect debts that, based on our written agreements, were paid off.
I paid them what I owed, plus interest, however, once I moved into XXXX XXXX at XXXX XXXX XXXX, # XXXX, XXXX, TX XXXX, they continue to call and beg for me to pay off what was already paid. I was a government employee, earner, and they knew I paid them enough. However, they have threatened to sue me over old funds and garnish my wages, even though, I have none due to their negligent and fraudulent acts.
|
| 06/02/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
We got a loan from Speedy Cash XXXX in the city of XXXX, CA. We paid it off on the due date and went on about our lives. About a month after we paid off the loan a payment was being deducted from our bank account. We went back to the Speedy Cash and got our money back. Two weeks went by and same thing happened, Speedy cash deducted the same amount from my bank account For a loan that we did n't get or apply for, my husband went and closed the account so this would n't happen anymore. Today ( XXXX/XXXX/16 ) I found out Speedy Cash took money out of my bank account for an account that has been closed and we do not owe them any money. We have talked to the manager but nothing has changed. I understand anyone can make mistakes, but making the same mistake 3 times? It 's not possible.
My bank name is XXXX in the state of California.
|
| 11/13/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have made several attempts to rectify this to no avail. My identity was compromised and an account on my credit report for a cash advance by the name SPEEDYCASH COM XXXX VA of was done without my knowledge and consent. I have no affiliation with this company, past nor present. They are using a collection agency by the name of Ad XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, KS XXXX. This item in on all 3 credit reports that was never authorized, and I had no knowledge of. I have filed a complaint with the CFPB and included my theft police report and affidavit. This is still on my report and they never contacted me because I OBVIOUSLY THE CONTACT information that the person used was fake.I also included my POLICE REPORT, affidavit AND REFERENECE # FOR THE FRAUD I PLACED WITH THE FTC TODAY. I want this account removed!
|
| 07/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
I opened an installment loan with Speedy Cash for {$650.00} on XX/XX/XXXX. I was paying {$90.00} every two weeks. In XX/XX/XXXX, I still owed {$600.00} on my loan. Before, XX/XX/XXXX I paid the loan on time. I can no longer make payments due to my financial situation. I called to see if their were other options available to me such as payment arrangements so I could pay my balance down. The customer service representative basically told me that I have to go into collections for your company to work with me. It's sad that I have stop paying to get some help! I feel that I have paid my loan amount in full. I would like all the payments that were made from XX/XX/XXXX to XX/XX/XXXX to be applied to my principal balance. I have paid Speedy Cash a total of {$1600.00}. Once you apply the payments, my balance will be paid in full.
|
| 01/30/2016 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
Older American, Servicemember |
|
Today-XXXX I received a Notice of Default and Right to Cure letter from Speedy Cash addressed to my late husband, XXXX XXXX . It stated he owed {$190.00} from a loan date XXXX/XXXX/XXXX. My husband died XXXX/XXXX/XXXX and was in ill health the last few years of his life. He did not drive nor did he have a financial reason to borrow from a payday loan company. I called the company -- the Customer Service person refused to state in what city the loan originated, the address of the debtor, or any information to actually verify my husband had made the loan. They wanted me to send a copy of his death certificate and the last XXXX numbers of his Social Security number -- I refused. They kept referencing federal laws as to why they could not disclose this information -- yet they wanted the {$190.00} or it would go to collections.
|
| 02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I recently filed a complaint in XXXX of XXXX against Ad Astra Recovery Services, about a collection they were improperly reporting in regards to a debt collected from XXXX XXXX. The complaint number is XXXX. They said they would have the account deleted from credit score and it would take 30 days to have the collection deleted. The report is showing that it is still open on all XXXX major credit agencies. And it has caused me unnecessary pain and suffering. Ive had to pay higher premiums and prices for basic necessities just for me and my child to live a basic life. The debt was only {$100.00} but they keep reporting it as {$240.00}. Also if Im reading the report correctly, they just recently reported this account as still being active in the beginning of XXXX of XXXX. I will also be reporting this complaint to the FDCPA.
|
| 09/01/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I started making payments through the online website speedycash.com for a debt that was owed. When I made the payments to them they provided a collection company XXXX my credit card information and the company withdraw XXXX from my account without my permission. I spoke with both companies about the unauthorized charge, and they state there is nothing that can be done after money was taken fraudulently. I never setup an agreement with XXXX or spoken with them about the case. The funds should be placed back into my account, because XXXX received information that should not have been provided to them to collect a debt. Speedycash states on every call they no longer have the case, and everything was done by their 3rd party company. If this was done to me I know it 's being done to others trying to repay debts that are owed.
|
| 06/01/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I received a bill statement from XXXX XXXX XXXX collecting debt I never own. I am not owing this company or Speedy catch or any of their associates any debt. I just received a letter ( ( XX/XX/2020 ) from XXXX XXXX XXXX saying that " is now servicing your delinquent account on behalf of XXXX .... '' I do not have any account with speedy cash. I am not owing this company or Speedy catch or any of their associates any debt. I put " Credit freeze '' on my account with the major credit reporting institution to prevent any company from opening any account on my name. I reported to XXXX XXXX XXXX ( XXXX ), and when confronted, XXXX XXXX produced typed " Lender Disclosure agreement '' without ant money transaction record. I rejected their disclosure since I never opened an account with them or received any money from them.
|
| 05/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX company is trying to get me to pay alleged amount of {$300.00} for a loan I did not get. First call was made on XX/XX/XXXX and told them my identity was stolen and the debt does't belong to me. Today, this alleged debt hasn't been marked as " disputed '' which will result on a penalty of {$1000.00} for not doing so, also reported it not only to XXXX but XXXX as well. I am filling a complain, but also, disputing debt through Credit Bureaus, to the XXXX, and State Attorney General. I will keep doing so until this Collection account is removed, willingly, from my file. If not, I will be adding this account to my identity theft case I currently have with all XXXX credit bureaus so the information will be blocked from the reporting agencies directly.
A Validation Letter is attached along with XXXX regulations.
|
| 05/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I paid of my loan. I was charges fees and it was paid. There were guidelines set in place for companies not to charge fees during the pandemic. I was charged fee after account was paid. I continuously asked for fees to be removed from my account for months. After numerous complaints and no resolve I settled with the company and paisd the paid the balance of fees I did not owe. I was told the account would be deleted from my credit file. I have provided letter of payment to experian and was told it would not be removed. The company ( Ad Astra recovery service ) told me the information would be removed once account was XXXX balance. Its not fair to me to have not owd the amount of fees and then have it placed on my credit report, after paying the balance it still not being removed from my file as agreed by the company.
|
| 04/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are collections account reporting on my file that i have no knowledge of. My XXXX was using my information i have already disputed numerous times with these companies and they can't provide me any signed documents and some even have my incorrect information such as my name spelled wrong and incorrect drivers license number.
Companies are : AD ASTRA RECOVERY SERVIC Last reported XX/XX/XXXX{$1.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Last reportedXX/XX/XXXX{$2000.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Last reportedXX/XX/XXXX {$3900.00} Open balance XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$410.00} Open balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$2900.00} Open balance XXXX
|
| 08/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have contacted this company, Avio Credit, to submit to the credit bureau that the hard inquiry was a result of identity theft. They said they submitted to XXXX and for me to give it 45 days. I did and it still wasn't removed so I contacted Avio Credit AGAIN and they said they will submit a 2nd time and for me to give it 45 days. That was 2 months ago and nothing has changed.
My identity was stolen and 1 of the companies that this occurred with was Avio Credit , Inc . I had a hard inquiry appear on my credit report from them. I had never contacted, applied, or even heard of Avio Credit prior to this. I filled out their forms they sent me to have this removed. I also followed up with a letter that the FTC identity theft website generated but still have yet to have the hard inquiry removed from my credit report.
|
| 09/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I was given a payday loan for XXXX $ they initially said I could have XXXX $ but I had to refinance on the speedy cash app for the additional XXXX $? which at first there was no way in app to refinance but later it appeared.
After that I was charged a cab fee for XXXX $ which was paid by XX/XX/2018 total amount due XXXX $ subtracted XXXX $ which was XXXX $ and XXXX $ fee was due by XX/XX/2018 on XXXX XXXX.
So, I called them a few days later today because there was another cab fee for XXXX $ added to the total amount due XXXX $ wich is two weeks early! I told the customer service on the phone to reduce the total XXXX $ to XXXX $ so I can pay it when I get paid.
She wouldnt listen and did not agree to take off the fee! And then I said you are ripping me off and that I was filing a complaint.
And I hung up.
|
| 10/03/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I contacted AD ASTRA RECOVERY SERV ( original creditor : XXXX XXXX XXXXXXXX ) at the address of XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, KS XXXX which is the address that is showing on the credit reports of XXXX, XXXX, and XXXX to request for this company to send me validation of debt ( this company alleges that I owe {$96.00} that is being reported on my credit reports ) and to show proof that they own the debt. I have not received a response from this company at all since I mailed the letter dated for XX/XX/2022. Since XX/XX/2022, this company is still as of today 's date of XX/XX/2022 is defaming my character and is negatively affecting my ability to get approved for credit because of their negligence to respond and correct this unverifiable, negative furnishing of information to the credit reporting agencies.
|
| 07/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that AD Astra Recovery would verify the debt. So I took it upon myself to ask AD Astra Recovery for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
|
| 07/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that AD Astra Recovery would verify the debt. So I took it upon myself to ask AD Astra Recovery for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
|
| 07/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
On or about XX/XX/2019 I called and asked the company if there was anyway to refinance the loan for lower payments because I have been an excellent customer who has paid on time for the past 12 months. They said NO they could not change the terms of the loan. I then asked them if they would extend me more credit again because I am such a good customer with stellar payment history. They again said NO. They said the loan would have to be paid in full first. I initially borrowed {$2600.00} and have since paid back {$3400.00} and still have {$7000.00} in interest alone to pay back at 135 %. The interest is {$300.00} a month! I believe strongly that they fall under the guise of a Predatory Lender preying on people that are down on their luck, backs to the wall, with nowhere else to go! They are not playing fair!
|
| 06/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I XXXX XXXX do not nor do I recognize an account with Ad XXXX XXXX XXXX- File # XXXX.
Nor do I acknowledge that I owe them a debt or any amount of money.
I have previously sent them a cease and desist letter to stop reporting inaccurately on my credit reports but they persist.
They sent a letter admitting that they are not the original creditor and have no contractual relationship with me. The amount listed is incorrect and and so is my social security number they have listed which I'm not sure where they got that from.
This could be a form of ID theft since I believe this was originated online.
I am attaching the cease and desist letter that I sent them originally and the response letter they sent. It shows no original documentation.
No chain of title if account was purchased. No signatures by me.
|
| 05/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
Over the last year, we received invoices for amounts due to Speedy XXXX. The invoice stated that my husband, XXXX XXXX, took out a XXXX XXXX in XXXX for {$350.00} at 359.006 % interest and now {$780.00} was due in full. We assumed this was a hoax as he never took out a loan from Speedy XXXX. We have now received a letter from XXXX XXXX XXXX out of XXXX IL dated XX/XX/XXXX starting that this was a verification of debt. The original creditor is listed as " SCIL , INC D/B/A SPEEDY CASH ''. The creditor 's account number is listed as XXXX with a date of opening as XX/XX/XXXX.
This loan is not legitimate. A loan was never taken out from this lender by XXXX XXXX. The amount will not be paid for a loan never legitimately taken out.
Please help. This just recently is now being reported on our credit report.
|
| 09/18/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
I have a collection on my Credit Bureau showing that I owe {$650.00} Dollars that is the result of Identity Theft. I have been disputing these false charges on me for over 2 years. This loan was taken from an individual in another state also an out of state Bank and deposited to an out of state bank at which I have never gone to. I feel nobody has investigated this issue THOROUGHLY or you would see this is not me. I reported this issue as soon as I found out about it. Now it is showing a collection on all XXXX Bureau 's this is not me I do not know how else or what else to say. Please help me with this issue it is XXXX I do have enough money to pay this amount but I refuse to, due to the FACT THIS IS NOT ME that took out this loan. Thank you for your help and your time I hope to hear back from you soon.
|
| 04/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This Speedy Cash Loan Was Supposedly to Have Been Granted On XX/XX/2021 For {$1400.00}, Account # XXXX. I am Completely unaware of any of this. I received what current information from The Collection Agency following an update from My Credit Report. Someone also recently had a Fake account in my name with The XXXX XXXX XXXX As Well Tht I had to recently get closed. Ive frozen my credit account in XXXX due to Suspicious activity concerning fraud & someone constantly trying to get accounts & loans in my name. I attached a letter from The XXXX XXXX In Proof that Im Having this current issue with ID Theft. Theres Been Several Attempts, Ive Attached Those As Well, Someone Ever Attempted To Change My Mailing Address. Ive Never Owned Or Had A Email Address Other Than My Primary & Only Address Which I Have.
|
| 08/06/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
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Web |
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XXXX XXXX states they will file with XXXX XXXX county if I do not pay {$260.00} for a unpaid Payday loan. They claim it's from XXXX and they will take me to court. After I spoke to the guy I still got a call and so did a family member stating if I do not call I will be located at there house. They can not provided any proof of this loan from XXXX and they can not send me anything in writing. Not on my credit report. The voicemail they leave also say this is legal notification by telephone. I asked which court house in XXXX XXXX and any documents but they said they don't have that information that it will be provided to me at court. The payday loan company does not show a loan for me in XXXX. But one over 7years ago. I did tell XXXX XXXX this but said I can talk to the judge or settle this with them.
|
| 07/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
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I borrowed a loan from Speedy Cash for {$880.00} the last week of XXXX and I was informed only about my payment due dates on the days I get paid from my job which were {$120.00} at the time. On XX/XX/XXXX, I paid {$300.00} on my due date to drop it down to {$580.00} left to pay it off. Whenever I do my payments I receive an email and a text message of my updates. Today on XX/XX/18, I was going to pay {$200.00} to bring the loan payments down and as I checked it, my payment went up {$120.00} that I have to pay {$700.00} which shocked me. I was never informed about interest or my loan would increase within 4 days. What will be the point of doing my payments if it will increase back up within 4 days, which is putting me in a financial struggle and I need assistance on finding a solution for this issue.
|
| 01/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
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Got a call from new york ( XXXX ) XXXX. They said they were from a settlement company a law office and if I didnt pay the settlement that I could be arrested as soon as tomorrow that I would lose my job I would go to jail and it would be reported to the credit bureau XXXX They said I had to buy a XXXX XXXX so I can pay them because that is all they took the settlement was for {$400.00} I went to the nearest convenience store to buy the XXXX XXXX gave them the information.Then I looked up the law firm and it came up as a scam I quickly use the {$400.00} for something else to use the money since I can not take it out at the ATM the XXXX XXXX prepaid card is in zeros now. I also got instructions to take a picture of the card front and back and the receipt and send it to XXXX XXXX phone number is XXXX.
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| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... AD ASTRA REC ( Original Creditor : XXXX XXXX XXXX XXXXXXXX TN ) XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
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| 10/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
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I have reached out to the company multiple times stating to stop ACH payments because I am trying to get the account closed. I recently had an issue with someone attempting to use my credit and personal information. I have already placed credit freeze on all 3 bureaus and now attempting to close an account and open another. My bank can not close the account if their is charges pending. I have no money going into the account to avoid being a target of more fraud. I have asked to company to allow me to send payments via money order or cashier checks to continue to make payments however they are still withdrawing money from the account I told them not to. At this point I am going to advise my bank it is fraud and I want to report them from attempting to take money from an account I did not authorize.
|
| 08/30/2015 |
Yes |
|
- Applied for loan/did not receive money
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|
Web |
Servicemember |
|
I applied for a loan online and in person by speedycash multiple times but did NOT recieve ANY money. This is a very bad misrepresentation by this firm and they are helping aid XXXX in further retaliating to a wrongful termination and equal employment opportunity commission investigation along with a human rights act. This firms main concern was to find out if i have defrauded the government by collecting social security when i am clearly able to work. speedycash I have used a time or XXXX before and now they only are concerned with aiding and abetting a criminal business owner in depriving a qualified candidate with a XXXX of his equal employment opportunity he is afforded under the USA constitution by further aiding and abetting a local business owner in retaliating to a district judge 's order.
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| 11/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
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Web |
|
|
XX/XX/2018 was loaned {$970.00}. paid {$2400.00} at 530.588 % APR XX/XX/2018 was loaned {$1800.00}. paid XXXX at 416.852 % I took the loans because when I went in both times the clerks say they will report to Credit agencies.
Which I think is normal. What they did not say is they only report if the person does not pay the loan in full.
They did not clarify that only people that don't pay are reported and when people apply.
If a consumer is trying to re-establish credit and pay a high interest rate there is no benefit to the consumer for loans with other agencies.
This makes the consumer to be able to borrow from the same creditor at a higher rate.
They misinformed the consumer by saying they do report to credit agencies. I want the loan company to report I paid in full and as agreed.
|
| 03/27/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I have several payday loans on my credit reports that were applied for online. After several disputes some were removed from two of my credit reports. I did not apply for these loans at all and received no cash in hand. Around this time my bank account at XXXX and XXXX XXXX were also compromised. I am a XXXX year XXXX veteran and we are prohibited from these places. I have contacted each company but they insist they have proof of the loan. I have seen the documents and this is not my payroll signature on these documents. These are on my XXXX account. I have disputed already in XX/XX/XXXX.
I have no knowledge of t hese accounts//Accounts are fraudulent.
XXXX XXXX XX/XX/XXXX {$310.00} Speedycash XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX XXXX XX/XX/XXXX {$220.00}
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| 05/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
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This was a loan scam where the person was impersonating an representative from Speedy Cash. A loan company that I have never submitted an application too. I mistakenly gave out my account info and login info to my account. I received an online bank deposit and was told to go to XXXX or XXXX to get gift cards. If i did not get the gifts cards I was told that I would lose my job and that a police report would be filed against me.
XX/XX/XXXX gave out my account info XXXX received an electronic check deposit that was not authorized for XXXX.
XX/XX/XXXX was told to put all of that money on XXXX gift cards or I was going to jail, going to lose my job or have a police report filed against me.
XX/XX/XXXX immediately changed account password XX/XX/XXXX spoke to XXXX XXXX XXXX to submit a claim
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| 05/28/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I took out a loan with Speedy Cash for {$750.00} in XXXX 2014. The total balance for the loan including interest was for a total of {$920.00}. While I took out a pay day loan, the lanuage on the contract and especially the payment screen on the website made it seem as though I could make montly payments of {$210.00} for 5 months without any repercussions. For the first three months the balance on my loan decreased, reflecting the payments I had made for a total of {$630.00}. However, after making over {$810.00} in payments I found out that I still owed the full balance of the loan because the payments of {$210.00} per month were meant to pay only the interest on the loan and keep it open. Speedy Cash is now charging me {$1000.00}, which is a higher amount than what was originally agreed on.
|
| 01/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
On XX/XX/2020 I received an email from XXXX XXXX at XXXX XXXX about an unpaid balance with them> I have had problems with getting these emails before. See complains numbers XXXX and XXXX. I would like for someone to tell these people to please stop. According to the companies response I am suppose to be on the do not contact list. They are still contacting me threatening legal action, when none has been taken. There are no cases filed because I can check to see if that has happened and it has not. Please someone put a stop to this. I have a very serious medical condition that if I get to upset and agitated and my XXXX XXXX rises to a certain point and the XXXX XXXX I will XXXX XXXX in two minutes. There is no loan number associated with this. Here is the supposed case number ; it is XXXX.
|
| 12/16/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
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|
Web |
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I had financial issues and had to stop paying on bills other than necessary bills. I made a few payments toward the loan but seems the principal only decreased by less than XXXX or so. My loan amount was XXXX and now i receive a collection notice for almost XXXX. I made a XXXX payment on XXXX only XXXX went toward the principal leaving my balance XXXX, on XX/XX/XXXX XXXX payment only XXXX went toward the principal balance XXXX and on XX/XX/XXXX made a XXXX payment XXXX toward my principal and balance was XXXX. How is this possible if i have made payments toward my loan? They call both my and my XXXX year old cell phones all during the day. And i have not given them permission to call any cell numbers. I want them to stop calling me and my daughter cell or any other number they have on me.
|
| 05/11/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
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I am XXXX XXXX due to a XXXX XXXX and was misinformed of how the debt would be paid back. I was in an open chapter XXXX bankruptcy when monies were given and was told that i would not have any interest to pay. i explained that i had a caregiver that handles my bills and was told that it was not nessecary to have anyone look at this that it was a short term intersest free loan. I believe this was in 2014 when I was living in XXXX and now live at my moms house in XXXX . I was told that they would take money from my checkimg account for 3 months and then I would not owe anymore. I thought it was a XXXX benefit not a loan and was told the original payments were for there service of obtaining the loan. It continued causing me to lose my checking account for being overdrawn.
|
| 06/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
The company I borrowed money from us based out of Kansas. The entity is speedy cash, the XXXX XXXX XXXX, XXXX XXXX, and related entities. First they hacked into my email and began tracking all of my email to my contacts. Then they began filling misinformation campaign against me through various entities. They gave run an illegal cyberstalking campaign against me, as well as paid individuals in auctioned cars and loaned to help harass me. Theyve also spread false news about me, and had me falsely XXXX. I tried to pay off my loans but lost my job. Ive paid the speedy cash loan several times, and they keep saying they cant get in contact with me and have garnished the same loan from me through XXXX law office in XXXX, Ks, XXXX they saying I still owe them. The harassment has been obscene.
|
| 03/23/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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To my surprise this loan was taken out on XX/XX/2017. 2 days later my bank canceled my debit card due to it being compromised. I found out about this loan by a payment being taken out of my account. I contacted XXXX XXXX and they were not understanding that I did not take out this loan. I ended up having to close my account to stop the payments. I thought that would be the end of this. However now I see it on my credit report for {$2100.00}. I cant remember the initial amount. I think it was only for a couple XXXX dollars. Clearly my identity was stolen. I caught it early and this was the only thing they were able to get. Now its affecting my credit. I 100 % did not take out any type of payday loan. They cant even provide me a loan number or any other information regarding this loan.
|
| 02/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On or about XX/XX/2019, the consumer disputed an alleged debt with XXXX XXXX for an alleged payday loan made around early XX/XX/2019of the same year at Rapidcash store number XXXX in XXXX Oregon. The consumer has no knowledge of this debt, is not admitting to any debts and has no current or previous business relationships with this entity or the collections agency representing Rapidcash. XXXX XXXX failed to mail a debt verification letter and instead sent the same collections statement. The consumer is demanding the original promissory note or a copy thereof including the full loan terms, conditions and all associated statements and administrative remarks on the account. The consumer is unable to verify the debt and therefore is claiming that this is an invalid and illegitimate debt.
|
| 11/13/2021 |
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
|
|
Web |
|
|
I NEVER AUTHORIZED ANY HARD INQUIRY OF MY CREDIT. I AM XXXX AND THESE COMPANIES HAVE THESE AGREEMENTS TAILOR MADE TO INSURE XXXX PEOPLE ARE SWINDLED. THIS WAS SENT TO ME AS A WAY TO CONSOLIDATE MY DEBT WITHOUT ANY CREDIT IMPACT, BUT IT HAS BEEN ONLY A CREDIT IMPACT, PULLING TWO HARD INQUIRIES ON THE SAME DAY. I WANT THIS ADDRESSED AS A XXXX ACCESS ISSUE BECAUSE THEY ARE PREYING UPON PEOPLE LIKE ME WHO ASSUME THAT THEY ACT IN GOOD FAITH WHEN INSTEAD THEY ARE LOOKING TO ENSNARED XXXX XXXX PEOPLE. IF THIS CAN NOT BE ADDRESSED AS SUCH, PLEASE REFER ME TO THE REGULATORY AGENCY WHERE I CAN COMPLAIN ABOUT PREDATORY BEHAVIOR BY LOAN AGENCIES SUCH AS " CURO '' OR WHATEVER THEY PRETEND TO CALL THEMSELVES. THIS COMPANY SHOULD HAVE THEIR LICENSE REMOVED BECAUSE THEY PREY UPON PEOPLE LIKE ME.
|
| 09/06/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I was called by a private number in XXXX. I did not answer the call and a voicemail was left. In the voicemail a man told me he would be at my home address between XXXX the following business day to serve me papers due to a lawsuit filed against me. He said that if I was not home he would show up to my place of employment and discuss the papers with my manager. He left a contact number and case number to return the call. When I returned the call a women said she was going to place me on a brief hold to get my paperwork off of the attorneys desk to review it with me. Once she returned to the call she said her company had been hired by Speedy Cash and I was being sued. I informed the woman that she was in direct violation of the Fair Debt Collection Practices Act and ended the call.
|
| 10/09/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX I noticed Ad Astra filed something on my credit report. I immediately called them. I spoke to XXXX who said he would send us supporting documentation of this claim via XXXX XXXX as this was not a debt I believed I incurred. I received nothing and called back on the XX/XX/XXXX and was informed by XXXX that no one worked there with XXXX 's name and that we needed to write a letter to dispute it. She continued to state she could send us no proof of debt until we disputed it. We faxed the attached letter on the 6th to dispute this claim. I spoke on XXXX with XXXX to ensure receipt of the letter. She claimed they could do nothing until we filed a police report and would not give any information about the debt which I feel is not mine based on the current facts provided.
|
| 07/23/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a garnishment email from my employer on XX/XX/XXXX, never knew about this. Apparently this loan was taken out in XXXX, with no attempt to contact me after XXXX debt collector states they attempted to send me docs, but all were " sent '' to an address i have not been at since XXXX. My concern is that my addresses have been kept up to date with the state, and why after XXXX no attempt to contact me or collect, i then get a 4 day notice and have XXXX dollars garnished from my check. i never had a chance to dispute this case or even come up with payment arraignments. i then contacted the attorneys office that was handling this case and they said they would reduce the cost to 15 %, that never happened. I am now in a position where I dont have enough income to pay my rent,
|
| 05/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American |
|
Individual called stating I was approved for personal loan to consolidate credit cards. They misrepresented/ lied about the company who would make ACH transfers in my banking account totaling {$7000.00}. XXXX days later the transfers were fraudulent after I paid the credit companies. I spoke with bank fraud department who did not help me but wanted repayment. I do not have that kind of money retired on SSI. Since then bank threw me out of service and unable to make any payments or bankrupt me. I can not even afford to file bankruptcy now and had to place my mortgage in forbearance plan. Also take a part time job with bad health to stay alive. That hurt. I did file case with police, XXXX attorney general and consumer complaint with no resolve. This all took place in XX/XX/2022.
|
| 02/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
AD ASTRA REC ( Original Creditor : XXXX XXXX XXXX XXXX CA ) XXXX Balance : {$310.00} ( Original Creditor : XXXX ) XXXX Balance : {$240.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$490.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
|
| 08/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XXXX and XXXX of XXXX, I forwarded validation of debt letters to the credit bureaus regarding an unverified debt on my credit report. Upon receiving a letter from the credit bureaus that the debt was " verified '' by the creditor, I forwarded a certified validation letter to AD Astra Recovery Services in XX/XX/XXXX and a second certified letter on XX/XX/XXXX. AD Astra Recovery Service has failed to validate this debt on my credit report that has been reporting for more than 4 years ; which violates the statute of limitations law in Texas in which a debt can appear on your credit report. I have tried to reach out to the debt collector multiple times with no response received. I demand that AD Astra Recovery Services delete this erroneous account from my credit report ASAP.
|
| 08/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XXXX and XXXX of XXXX, I forwarded validation of debt letters to the credit bureaus regarding an unverified debt on my credit report. Upon receiving a letter from the credit bureaus that the debt was " verified '' by the creditor, I forwarded a certified validation letter to AD Astra Recovery Services in XX/XX/XXXX and a second certified letter on XX/XX/XXXX. AD Astra Recovery Service has failed to validate this debt on my credit report that has been reporting for more than 4 years ; which violates the statute of limitations law in Texas in which a debt can appear on your credit report. I have tried to reach out to the debt collector multiple times with no response received. I demand that AD Astra Recovery Services delete this erroneous account from my credit report ASAP.
|
| 10/15/2019 |
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
|
|
Web |
|
|
I have pulled a copy of my XXXX credit report only to find multiple inquiries that I did not authorize. I have disputed the inquires only for XXXX to respond with a verified letter and to contact the creditor. I do not know how XXXX verified anything when I could not get any information regarding the unauthorized inquiry. I asked for a signed application bearing my signature and no one can produce one nor can they see where I applied. The name of the inquiry in question is XXXX MANAGEMENT. I shows two different dates of XX/XX/18 and XX/XX/18. I should not have to keep going back and forth with XXXX regarding unauthorized inquires. This is affecting my score and bring my score down. I have started shopping for a home and these inquiries are damaging. Remove them immediately!
|
| 08/12/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
Your continuous calls and such conduct has caused me to suffer severe humiliation, embarrassment, emotional distress and physical discomfort. Please take note that any unsolicited calls will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collection efforts in the attempt of collecting said debt. I am being caused mental anguish because of these unfair debt collection practices. I will be seeking and filing mental anguish and economic damages due to these deceptive trade practices. I will seek financial relief and any further contact will be recorded. Please refrain from the abuse or I will continue to file complaints and contact others that have had similar experiences to start a rally against your company.
|
| 01/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I took out an XXXX loan and was paying XXXX back each for 6 months XX/XX/XXXX was my last payment and here is where the problem lies there interest rate was sooose to be 15 % wich I was fine with but when the last payment came out the charged me XXXX and I was wondering why I called them and they said all I was paying was interest and some sort of taxes on it because I was in the state of Texas so long story short I ended up pay almost XXXX dollars on an XXXX dollar loan this type of bissness practice is unexceptionable and is worng when I found out about this told them sto scrub my information off there system my loan was paid off to wich they replied that the couldnt completely Romove me form there system I told yes they could and in fact by law the had to because I asked
|
| 02/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This is regarding fraudulent activity happened on file case number XXXX with AVIO CREDIT about the fraud and sent all the documents through the email ( on Dated on XX/XX/2018, and after that I have repeatedly emailed them, however, ( They don't even care to reply to my emails ) hence no appropriate action has taken place and because of that Derogatory Remarks have been posted on my Credit Report ). I have not taken any loan and I dispute any charges that are associated with it. I have already filed a police complaint when this fraud took palace and a copy of the police report is attached. Cpl. XXXX XXXX and Officer XXXX XXXX have ensured that they will provide any additional clarification or information regarding the investigation. I'm also attaching their contact details.
|
| 12/04/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX continues to report a payday loan that I never took out. I have disputed this 6 times as it is fraud but they have continued to report it as a collection for over 6 years now. They also state that I am paying on it so they can keep it on my file longer : XXXX XXXX XXXX XXXX Collection Balance Decrease of {$1.00} It looks like you might be paying down this balance. Good work! Keep in mind that lowering your collections balance won't necessarily change your credit score, although resolving a collections account could help you rebuild your credit health over time.
Between XX/XX/2019 and XX/XX/2019, the balance on your XXXX XXXX XXXX collections account decreased by {$1.00} from {$610.00} to {$610.00}.
This is completely false as I have never paid them anything.
|
| 11/10/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Not sure of any dates when I noticed this on my credit report I disputed it and it came back denied like its mines I did not notice the debt until I decided to be more involved with my credit to buy a house this debt is from speedy cash ... in 2016 I believe XXXX or XXXX some time I had all my personals stolen including my social bank details from my check book and I blocked my social and set out fraud alerts when I re covered all the missing personals and felt safe I unblocked my social and for job purposes even if a u lost your social its not like they give u a new number anybody couldve still used my information they is real scammers I did not apply for speedy cash if this was approved online is there way to track the device and location is was done or a video footage
|
| 07/09/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
XXXX Missouri I took out a XXXX dollar loan at speedy cash in XXXX Tennessee I have a XXXX and I am on XXXX social security and they told me they would not lend me more than a XXXX dollars because of my XXXX I took the loan of a XXXX dollars and I went back a month later after I took the loan when I received my XXXX check and paid them the amount I owed to them.I have a receipt showing where I paid off this loan.It has been a year since I paid the loan and they are still taking money out of my s.s.i bank account they say I have a balance of XXXX and I paid that loan right after I took the loan out I am on XXXX and it takes everything that i get from s.s.i to live on.I am a XXXX also and this money that they claim that i owe is money XXXX and thing that i need to live on.
|
| 03/13/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I contacted XXXX XXXX XXXX XXXX on XX/XX/2020 regarding my outstanding balance with Speedy Cash and they advised me that they have not had my account in years. They referred me to XXXX XXXX XXXX, Receiver because there was a judgement against me for this and XXXX XXXX was the appointed receiver. I came to a settlement agreement with them and paid the settlement amount. I then disputed the inaccurate reporting and XXXX XXXX XXXX XXXX " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. '' I have attached a copy of the release of judgement and also included that in the original dispute. This has caused me extreme mental, physical and emotional anguish.
|
| 08/01/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Servicemember |
|
Hello, I received the following emails along with the applicable amounts. I have also attached the emails as well as my response to both emails received.
XXXX Fri, XX/XX/XXXX, XXXX XXXX OUTSTANDING AMOUNT : {$890.00} Legal Proceeding XXXX Tue, XX/XX/XXXX, XXXX XXXX OUTSTANDING AMOUNT : {$970.00} Action that this creditor took was : Send the above email with threatening words in the attached emails. On Saturday, XX/XX/2020 a Process Server came to my home and put a notepad note ( Also attached ) on my door stating criminal offense, obstruction of justice wordings. I do not appreciate this type of harassment over a bill that could amicably be resolved. Harassment and threatening is a violation and I do intend to sue unless this type of behavior is halted immediately!
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| 01/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Problem with the payoff process at the end of the loan
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Web |
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speedy Cash would not stop renewing the loan. I was told my payments would not go towards paying off the loan because I was " current ''. Rep at XXXX XXXX, tx location said I would have to default first before the corporate office would speak to me about making sure payments would go to pay off loan. This forces consumers to keep paying monthly amounts without getting anywhere. Then if you default you may or may not be able to work with corporate office. This resulting in negative reporting on your credit report. Speedy Cash also hurts people by falsly reporting " open '' account status so it continues to look like a new credit ding and uses collection agencies to do the same. Doing this does not let the account age and has a severe continuous monthly impact on credit.
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| 12/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Can't stop withdrawals from your bank account
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Web |
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I applied for a loan of {$300.00} online and it took me to speedy cash. I was told that the loan would be in my account in XXXX hours this was in XXXX XXXX XXXX It took them a week to get it to my account. And they were taking payments out even on days they shouldnt. I had someone call me from speedy cash and ask for a payment and I gave it to them and so they could make sure who I was they asked for my social security number and I gave it to them. Well next thing Im getting a call from my bank saying there was a transaction of XXXX on my account and even XXXX which I didnt have. I told them it was me and the payments too place in Texas I was in Utah. They got there money and then some. Now my social security number has fraudulent activity on it because of these guys.
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| 02/15/2017 |
Yes |
- Debt collection
- Payday loan
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I do n't recall signing any contract with a company with this name. I do n't recall this debt being verified. Do n't recall getting proof with a contract or signature. I requested that they provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent and did not receive the information requested.
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| 03/07/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
Servicemember |
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In XX/XX/XXXX there was an account opened at speedy Cash in XXXX XXXX which to my knowledge I was unaware of it. Because at that time I was in federal law-enforcement training centers for my XXXX XXXX XXXX XXXX. Throughout the past years up until present day I have made several times to contact speedy cash and let them know that Im not responsible for the debt collection of {$300.00} because I never was there to take it out so I claim no responsibility. I have made several attempts with credit bureaus like XXXX XXXX XXXX and XXXX to dispute the collection and nothing has happened yet there was no action taken by the credit bureaus except just a statement that was added. I am reaching out as of today XX/XX/XXXX to close this collection because I believe this is fraud.
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| 12/05/2016 |
Yes |
- Debt collection
- Payday loan
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- Taking/threatening an illegal action
- Sued w/o proper notification of suit
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Web |
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These XXXX individuals contacted me with deceptive collection practices claiming that I had an outstanding debt that they were taking me to court or filing in court. The first time I advised the individual to give me his contact information and to only correspond via court documents within the confines of the Code of Civil Procedure. Another contacted me about a year later stating the same thing. I have received no court documents and they violated the State of Texas XXXX XXXX by sending Electronic data as they sent these emails. Data that had nothing to do with me or my email account. They attempted to breach into my account and load it with emails from XXXX dating websites and I begin receiving emails from places that I never signed up to receive documents for.
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| 04/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I do not have any contract with you, you even failed providing me the original contract bearing my signature showing that I have contractual obligation to pay you.
Fair Credit Reporting Act, Section 609 states that you are required by federal law to provide me and send me a proof such original signed contract bearing my signature.
FDCPA Section 807 ( 8 ) You have failed to validate the debt, this is misleading/false reporting The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified. You must request the credit reporting agencies to remove inaccurate and incorrect information and delete it from my credit report IMMEDIATELY.
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| 06/18/2017 |
Yes |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have requested verification and validation of this debt per my right under the FDCPA secti on 809 ( a ) and ( b ). This company refuses to provide. I have also disputed that this debt is not mine yet they continue to report a disputed debt on my credit which is a direct violation of the FCRA. I am aware I can seek actual and statutory damages if I choose to file a civil lawsuit against this company. I will be discussing this matter with an attorney. My name is XXXX XXXX las t 4 of my social are XXXX and my date of birth is XXXX / XXXX / XXXX . I am demanding that verification of debt be sent to me. Also you must have a surety bond to collect in my state and your company is not bonded therefore you can remove this from all XXXX credit reports.
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| 01/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Loan payment wasn't credited to your account
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Web |
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2013 online loan was made and paid. Then next loan was made and payment withdrawn early from my bank account. I contacted the comptroller who wrote a letter stating that the contractual agreement was broken by XXXX and had the funds returned to my bank account. The letter was presented to my bank. My bank suggested closing the account after multiple attempts were made by XXXX to collect. XXXX continues to try to collect this payment and late fees and bars me from any of their establishments and affiliates.
On today, I was given this collection letter with this address Ad XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX N. XXXX XXXX, XXXX, Kansas XXXX. They also operate under XXXX XXXX XXXX, XXXX, Kansas XXXX. This address was given to me by the XXXX XXXX XXXX.
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| 04/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American |
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On XX/XX/XXXX, for the second time since XXXX I was refused a loan. The reason given was that in XXXX I had repaid loan but I paid late. When I asked what I could do, given a third effort, to correct the issue as they see it, I was told just " apply again.. .it might be different ''. During that phone conversation, I told them " I paid the loan ( 13 years ago ) why is my loan application being rejected twice now? They responded that " I paid late ''. I went on to ask how can I correct the problem, they responded apply again ( above ).
I was told, and did call XXXX XXXX.
I would like to be able to use Rapid Cash when, like now, having been laid off as a teacher during the Corona virus, there is an " emergency '' cash need. They are polite and efficient.
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| 08/29/2017 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/XXXX, I filed a Chapter XXXX through the US Bankruptcy Court. Notice of the filing was sent to XXXX XXXX XXXX XXXX and their client XXXX XXXX XXXX. After receiving notice, they violated the immediate " automatic stay '' by reporting the debt to the Credit Bureaus. They have each month continue to collect the debt by reporting the delinquency each month. The last update was on XX/XX/XXXX. I spoke to a team lead and then to the Collections Supervisor, XXXX. In a recorded call, she affirmed receipt of the " NOTICE OF BANKRUPTCY '' and that " they will continue to collections process until the debt is discharged ''. I advised her that her collections activities were in violation of the Bankruptcy laws. She advised that they will continue the process.
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| 04/11/2021 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This company, AD ASTRA RECOVERY which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$400.00} with a credit reporting agency. The business can not provide verification of the debt and account. Considering this business does not have a contract with me for goods or services they have provided nor can they provide adequate proof I am not obligated to pay for the alleged debt.
I would like the business remove the negative report against my SSN at any credit reporting agency, In addition, the business agrees to have no contact in any form with me regarding this account now or in the future. Lastly, they agree to remove my personal information from all accounts in the companies database.
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| 02/22/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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These following account below said to be a collection account that was sold to XXXX/XXXX with the same account number showing on my report. This collection accounts were both reporting on my report which leads to multiple appearances and a grave impact on my Credit scores and credentials. These particular collection accounts should not be shown as XXXX different collections since they're definitely the same. Moreover, I have made my payment to the original creditor. These should have been removed if a proper investigation was conducted. If you still insist that I am still liable, make sure to provide me definite and legal proof for me to confirm.
XXXX/XXXX XXXX Balance : {$1000.00} AD ASTRA REC ( Original Creditor : XXXX XXXX XXXX ) XXXX {$1000.00}
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| 04/14/2022 |
Yes |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I requested a temporary suspension of payments with Speedy Cash on XX/XX/XXXX by email to their customer service center due to my income reduction due to the COVID-19 pandemic. Speedy Cash responded, however ; they would not work with me. I was unable to pay, as my hours were reduced from XXXX hours to XXXX hours. The creditor Speedy Cash was never listed as an entry on my credit report, however ; the collection agency Ad Astra Recovery Services appeared on my credit report XX/XX/XXXX. I never received any correspondence or contact from Ad Astra Recovery Services. Then shortly thereafter, Speedy Cash appeared as creditor on my credit report approximately on XX/XX/XXXX or XXXX of XXXX and I never received any correspondence or contact from Speedy Cash.
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| 01/06/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Was approved for a loan, but didn't receive the money
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Web |
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I first applied online and it said I was approved but had to come in to the store for verification documents so I go to rabbit cash number XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX on XX/XX/2020 providing them with extra documentation requested from the manager they told me she had to wait for another manager to get the approval to disperse funds where XXXX I had already came into the facility with documentation and identity verification however the man Standing to the right of me left with the loan he applied for and didnt even have an ID card. I was there for over two hours and left with no loan she was Disrespectful rude making fun of my clothes and laughing at the fact I was there for over two hours and last but not least she was XXXX
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| 02/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Loan payment wasn't credited to your account
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Web |
Older American, Servicemember |
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XXXX XXXX XXXX wont take my payment of XXXX I already paid this to a company called XXXX which is a company who pays off loans to pay day companies. I paid XXXX XXXX to have Speedy Cash be paid XX/XX/XXXX The XXXX is a consolidation company to cover each month pay day loans Ive tried many times to ask XXXX XXXX which is collection company for Speedy Cash to take my XXXX is they have no record of XXXX paying them They wont take money unles I pay them XXXX which includes interest on Speedy Cash loan. I only have record of XXXX that I paid XXXX info is email XXXX ( XXXX ) They wont call me back either. XXXX was taking XXXX monthly out of my checking debit card ... XXXX for 30 months I signed XX/XX/2017 address is XXXX XXXX XXXX XXXX # XXXX XXXX, KS XXXX
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| 04/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
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I revoked my ACH on XX/XX/XXXX with Avio Credit. I got confirmation from them via email on XX/XX/XXXX. I talked with a representative confirming they would cancel on XX/XX/XXXX the ACH for XXXX. They still took out the money and admitted that I had confirmed it wouldn't hit my account. I was going to make a final payment for the balance. They are now saying I had to cancel with them over the phone and the email confirmation doesn't matter. I did call and cancel over the phone and they said that doesn't matter because I had a " promise to pay ''. I asked how I cancel that and they said email and call. Which I did.
Charge was {$200.00} on XXXX to my checking account with XXXX XXXX XXXX XXXX
They are predatory and abuse their ability to pull funds.
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| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/2019 XXXX XXXX add a hard inquiry on my credit reports. I did not authorize anyone employed by these company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these company and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file.
In the previous responses ( XXXX and XXXX ) the company did not provide me with the documents. The complaint XXXX was closed as a duplicate.
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| 11/15/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XX/XX/XXXX someone took a loan out online using my personal information with Speedy Cash, a payday loan company. The amount due was $ XXXXI was first informed of this when I received a past due bill. I called them and let them know it wasn't me. They said I would need to file a police report. My local police told me since it was an online crime to file with Identytheft.gov which I did. I sent information to them and Speedy Cash in XXXX XXXXSInce then they have turned this account over to collections. I went back to local police in XX/XX/XXXX and filed police report. They never let me know any information about the account other than the amount due. I never signed for any loan with Speedy Cash. I have since retained an attorney to try and rectify.
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| 07/11/2017 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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After filing complaints with all 3 credit bureaus even the original company this has yet to be resolved. XXXX XXXX is very aware that they received full payment of both accounts and continue to harass me with phone calls along with threats. They along with Speedy Cash have received the bank statement months ago and refuse to make knowledge of such. XXXX XXXX provided me a tracking number via usps of XXXX that was to include all legal documents pertaining to this. However, that tracking number shows a In transit update dated XXXX XXXX, 2017 from XXXX XXXX. I do not have any proof of this being legally collected on another company 's behalf. They also are in violation of the FTC by not providing correct and accurate information to the credit agencies.
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| 12/15/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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AD Astra Recovery has been provided with a cease and desist along with a written request for resolution as the account from original creditor XXXX XXXX reporting with a balance of {$2100.00} was opened as a result of identity theft. Today I received a threatening message from XXXX from XXXX XXXX advising she will take all necessary measures to have me served at work or at my home and that they will use law enforcement if needed. This is unnecessary and aggressive debt collection tactics that are illegal. I have completed the identity theft affidavit and have faxed the information to AD ASTRA RECOVERY XXXX which is their fax number on their website : adastrarecoveryservicesinc.com. They also received a certified letter which I have confirmed receipt
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| 03/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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This creditor has contacted from 8 different phone numbers atleast 6 times a day, everyday consecutively for months now. The calls began before I ever even reached 30 days past due. I have spoke with this creditor and informed them of a medical emergency and my recovery that has halted my ability to work after a nearly perfect payment streak with them and this hasnt stopped the aggressive tactics. Although i purchased an insurance plan they sold me for this loan in case of emergencies, apparently i have to jump through hoops to actually use it and it would only help for one month. I even made a payment that further hindered my financial stability and mental to show my intentions to pay as soon as I am well enough to work again. Nothing stops them.
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| 04/19/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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At first i was approved only {$510.00} and was received thru direct deposit on XX/XX/XXXX on my bank account plus i've chosen to make the payments in auto pay I've proof that the company speedy cash have taken two payments of {$140.00} on two occassions at XX/XX/XXXX and at XX/XX/XXXX but what i saw was that my loan wasn't decreasing and lastly i was running out of money on my bank account and they couldn't take nothing which the bank charged me like 4 times {$34.00} and another $ {$34.00} because that company was charging the bank and i had to paid it and now i want to dispute on the letter that i have of you charging me {$820.00} like why is it alott i didn't even asked for that much i still have proof that at the end i was just owning {$450.00}
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| 09/15/2023 |
Yes |
- Prepaid card
- General-purpose prepaid card
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Web |
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Last XXXX I realized I never got my third stimulus check. I called the IRS, after a failed attempt of my own to track it down so they could start a trace. I was using OPT+ as my bank card. They have since closed their US market with no forwarding contact information. I called the bank they used as their middleman, Axiom, I was given a phone number, its no longer in service. I then called OptPlus XXXX offices and was given an e-mail address ; I was told that's the only way you can contact them ; I emailed them on XX/XX/XXXX and have not heard back. They are not answering the IRS inquiries either.
I don't have my old card number but I do have the routing number and my account number that I was given by the IRS.
Routing Number XXXX Acct. - XXXX
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| 04/14/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I requested a temporary suspension of payments with XXXX XXXX on XX/XX/XXXX by email to their customer service center due to my income reduction due to the COVID-19 pandemic. XXXX XXXX responded, however ; they would not work with me. I was unable to pay, as my hours were reduced from XXXX hours to XXXX hours. The creditor XXXX XXXX was never listed as an entry on my credit report, however ; the collection agency Ad Astra Recovery Services appeared on my credit report XX/XX/XXXX. I never received any correspondence or contact from Ad Astra Recovery Services. Then shortly thereafter, XXXX XXXX appeared as creditor on my credit report approximately on XX/XX/XXXX or XXXX of XXXX and I never received any correspondence or contact from XXXX XXXX.
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| 11/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I was an identity theft victim. As a result, there are unauthorized hard inquiries on my credit accounts. I have disputed them multiple times, but am always told that I need to contact the reporter. I have contacted the reporter multiple times. I have sent certified letters, made phone calls, and sent e-mails. The first certified letter was received by the creditor on XX/XX/2019. The hard inquiry still exists on my account. The creditor is SpeedyCash, which is a subsidiary of XXXX XXXX, XXXX. SpeedyCash has assured me, multiple times, that the accounts were fraudulent and that they will remove the inquiries from my credit reports. I sent FTC reports, police reports, and multiple documents proving this was a fraudulent inquiry, but it remains.
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| 03/25/2018 |
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
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Web |
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OnXX/XX/XXXX XXXX XXXX, TX XXXX Also, On XX/XX/XXXX XXXX XXXX, FL XXXX On XX/XX/XXXX XXXX ( no information given on credit report ) On XX/XX/XXXX XXXX XXXX XXXX ( no information given on credit report ) On XX/XX/XXXX XXXX XXXX XXXX. pulled my credit.
I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
Thank you for your assistance in this matter,
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| 10/28/2015 |
Yes |
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- Can't stop charges to bank account
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Web |
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See previous complaint for initial details.
My account was attempted to be debited twice. Speedy Cash stated in was " impossible '' for them to have attempted a second deduction. I sent bank information proving my account was attempted a second time, regardless of what they claimed in their answer. I received an email back from them stating they would refund " ANY '' fees associated with their error after 3 days. This was a contradiction to what they were stating before when they were refusing to issue a credit even though it was verified as an error on their side.
Speedy Cash finally issued ONE {$29.00} credit, however, they failed to issue a second credit for {$29.00} and I have now incurred a {$10.00} Negative Balance Fee from my bank.
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| 05/10/2015 |
Yes |
|
- Received a loan I didn't apply for
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Web |
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I received a copies of my XXXX, XXXX, and XXXX credit report. The credit report showed a credit inquiry by this company that I did not authorize. I wrote this company informing them of this and requested they remove this unauthorized inquiry from my credit reports, it was lowing my scores and making it very difficult for me to acquire credit.
I sent this letter certified mail because I needed their prompt response to this issue. I requested that If they did find that I am remiss, and they did have my authorization toinquire into my credit report, I requested that they send me proof that I gave them written authorization to inquiry into my credit profile. the company have refused and have done nothing, claiming they did have my authorization.
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| 12/30/2016 |
Yes |
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- Payment to acct not credited
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Web |
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AD XXXX is a collection agency for a payday loan company known as Speedy Cash. A loan was taken out through Speedy Cash back in 2008. They attempted to collect on my then bank account and funds were not available. The loan went as unpaid for years. Now, after XXXX years later, I attempted an online application with this same payday company. they had me contact AD XXXX, whom are still trying to collect on this debt. I never received collection letters nor is this debt listed on any of my credit reports. They refuse to drop the debt from their records and insist on keeping the debt open until I pay. Legally, all unpaid debts are to be dropped after they are XXXX XXXX XXXX or older. The rep on the phone was very rude and insistent that I pay.
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| 09/26/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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DURING MY DIVORCE, MY EX-WIFE USED MY CHECKING ACCOUNT AND INFORMATION TO OBTAIN A PAYDAY LOAN FROM SPEEDY CASH. I DID N'T KNOW ABOUT THIS LOAN BECAUSE SHE GAVE THEM WRONG CONTACT INFORMATION. NOW I 'M CONTACTED BY A COLLECTION COMPANY FOR SPEED CASH. I INFORMED THEM THAT THIS IS NOT MINE, I HAVE FILED THE FRAUD PAPERWORK AND SUPPLIED THEM ALL OF THE INFORMATION FOR MY EX-WIFE. THEY STATED THAT THEY DO N'T CARE AND THAT I HAVE TO PAY IT. I TOLD THEM THAT OUR DIVORCE WAS IN THE LAST STAGES AND I HAD LEGAL SEPARATION PAPER. PLUS, WE DID N'T LIVE TOGETHER FOR THAT YEAR. THEY STATED THAT I WOULD HAVE TO PAY IT OR THEY WILL SUE ME.
I TRIED TO REACH OUT TO SPEED CASH, BUT THEY REFUSE TO HELP. STATING THAT I HAVE TO PAY IT OR THEY WILL SUE ME.
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| 03/15/2021 |
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
|
|
Web |
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I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 10/03/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
this is my second loan with speedy cash and things went well, until the last couple of months, my company changed pay roll dates. I reached out to speedycash to see if I could change my due date, because each week, I have to extend out my due date and get more accured interest. I have never missed a payment and ca n't help that my company made this change, unfortunately I am not at an executive level to help with decisions as such. All I want is a due date that corresponds with my new pay cycle. When I reached out to customer service, I was told it had to stay the same as was only original loan documents. I do n't understand why that ca n't be altered, and no one took the time to explain that, I just received a no answer.
Thanks!
XXXX
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| 06/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
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| 03/26/2021 |
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
|
|
Web |
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I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
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| 08/25/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
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| 12/05/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Problem with the payoff process at the end of the loan
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Web |
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I was told I had to pay a debt of {$500.00} on a payday loan the took my paystub vehicle registration. Shortly after I was informed because I was advertised to that it was a payday loan not vehicle registration loan the speedy cash where I regularly cash my payroll checks lied and I was informed by an attorney not to pay and dispute in court ( XXXX ). I received now 4-5years later a garnishment notice from my employer for 7 times the amount via a debt attorney. I was never served with a ceritificate of service in any form that I needed to appear. The amount 7 times more they garnished me for is XXXX cents. I was lied to decieved and have XXXX dollars taken from my payroll check 2 weeks before my XXXX young childrens expected XX/XX/XXXX
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| 12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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A XXXX XXXX XXXX account ( XXXX ) was determined to be sent to a collection agency ( ad astra recovery services inc ) that does not have the proper permits to collect debt in the state of Texas, the collection account from ad astra recovery service originated by XXXX XXXX is incorrect and reported on my credit report without my authorization. I do not own this debt.
I would like the following verified account open and the account charge off dates account status verify how the account belongs to me account balance and payment history account ownership authorization of account being reported I contacted speedy cash and also ad astra recovery services and requested this information to be verified, removed and updated. they declined.
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| 06/16/2016 |
Yes |
- Debt collection
- Payday loan
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I have a loan on my credit report that has been sold to XXXX from a company called SPEEDY CASH. I contacted XXXX and asked for information on the account because I do n't have any knowledge of the account. The representative could not provide me with any information except for the date it was opened and from where it was from. I asked for the original contract and the representative told me they did n't have it because I wanted to find out who did this. I advised the agent that I had been incarcerated in XXXX prison since XXXX until XXXX and at the time among other accounts this was not mine. I have sent a letter to them but need to file a complaint in reference to someone opening this account and a bank account w/o my permission.
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| 10/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I did not take out an installment loan I would never do that in my life. I just found out about my indentify theft two years ago and one from 4 years ago. One was from XXXX XXXX and one is from XXXX XXXX. This is made from a fraudulent person and they had all my info and my password is the same for everything and they had my XXXX my XXXX social my drivers license and they also used my boyfriends info like his public business store he owned as the mailing address. But this is all in my name. I just did the other complaint for XXXX and did XXXX and froze my credit. This is for {$870.00} opened XX/XX/2018. I had two security breeches on my record too. I just want to fix my credit and protect my indenty and take this off my score.
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| 09/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and its showing a balance even though the payment status is collection/charge-off. This is all a direct violation of FCRA. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
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| 07/29/2020 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This debt popped up on my report in XXXX of XXXX, after I starting repairing my credit. I have no knowledge of this debt from XXXX. I requested documentation from XXXX as well as speedy cash, neither could provide any proof. Not even a old phone number that was used. I had no choice but to pay them due to them reporting monthly like it was agreed prior and I was neglecting it every month and it still shows that I missed payments for three months. I contacted them in may and payed the debt off after first contact. It was never agreed to prior. I only paid it because I had no choice. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX United States was the collection agency and SpeedyCash was the original loan holder.
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| 07/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/22, XXXX XXXX/CURO from XXXX XXXX XXXX XXXX XXXX XXXX XXXX made an unauthorized hard inquiry on my credit. I never authorized this company to check my credit. I never heard of this company before.
On XX/XX/22, I recevied a credit alert from XXXX XXXX and my bank. That is how I found out about this fraudulent hard inquiry.
On XX/XX/22, I reported this fraudulent activity to XXXX 's account fraud dept. XXXX told me to file this fraud report with CFPB/FTC, and contact XXXX XXXX to report the issue and request an explanation. I also called XXXX XXXX, and spoke with a customer service employee. She transferred my call to their account management dept. An answering machine picked up my call, and I left a voice message.
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| 02/09/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX and XXXX by sending them to collections and on my credit accounts it states that it was opened on XX/XX/2020 ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Ad Astra Rec not being able to verify the account numerous of times nor provide any type of proof I would like this removed.
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| 04/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Can't stop withdrawals from your bank account
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Web |
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I received a loan from Speedy Cash Co., I was making payments as normal but suddenly I lost my job, I am struggling real bad to keep up with bills, rent, and other accounts that I have, I tried to explain this to the person that spoke about this over the phone ( collections deparment ) I ask her for a payment arregment and she told me that it was not possible and that they would continue with the collection process.
I also spoke to a wells fargo banker again I explained my situation and asked to for them to stop the payments and she told me that the only way to stop the payments it was me paying the entire balance on the account, that's not possible for me at this time. I resume neither one company understood my situation.
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| 01/25/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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XXXX XXXX pulls the payment every two weeks directly from my bank account. When this happens they send me a message telling me what my new balance is. What they do NOT tell you is that is only the " principal '' balance not the actual balance left owed. I made a XXXX payment today ( XXXX XXXX, 2018 ) I called the company to make sure that the XXXX went straight to my principal balance and I was told they do not " do that '' sort of payment their. Every payment I have made to them they are using about 10.00 of that payment for the " principal '' balance. This place should NOT be able to do this type of stuff. The amount of interest they charge their customers is unreal!! I will never ever take another loan from Speedy Cash!
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| 03/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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I was trying to close the costs on the rest of my payday loan sense I had pulled the loan out at the end of XXXX and I had been making XXXX dollar payments until the end of the term on the loan which was supposed to be on XX/XX/XXXX. I have already paid them XXXX dollars ( est. ) and they expect me to pay them an additional XXXX dollars sense I apparently haven't paid the full amount on the loan. What's the point of making payments if they are going to ask me to cover even more than I already taken out. I called to explain that to the operator and he told me that I was responsible for paying them more than the XXXX dollars i took out in the first place. I hope there is a way for me to cancel those payments sometime soon
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| 02/20/2021 |
Yes |
- Debt collection
- Payday loan debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I was made aware of the collection account after I had received an adverse action letter in the mail because of this negative account reporting. When I checked my credit report I saw this collection account reporting. I called to dispute this debt but ended up settling. But that was not an admission of guilt to the debt I just wanted to get it resolved. I never received the dunning letter that I read online that I suppose to receive letting me know I had a right to dispute this account within 30 days. However, I agreed to pay this account with the promise they would remove it. But the debt collector misrepresented the account and mislead me to believe that by paying the account it will be removed from my credit report.
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| 07/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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This was a supposed installment loan because my husband was unemployed and i am XXXX, to help pay bills, car payment, rent electric that had been cut off and was trying to feed a family of 5. They continued to attach interest and late fees. This is definitely predatory lending. I also asked them to extend the payments which they refused to do. Or to reduce the payments so i could get caught up, which they refused. The calls were threatening. As are the calls from most collection agencies that have this type of clientele. Its fraudulent how much money this has increased from the original loan. Unfortunately due to covid we can barely make ends meet.
Bottom line i do not have the money to pay {$100.00} let alone $ XXXX
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| 06/08/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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This debit does NOT belong to me and was a result of ID theft. At the time this account would have been opened by my now deceased brother, who lived with me and had used my personal information to open several loans/credit cards. It was not until after my brother passed away in XX/XX/2018 did I learn of his fraudulent activity and clearly have no recourse now.
I have submitted the proper ID theft information/report to the credit bureaus, but AD ASTRA RECOVERY continues to reassert the debt belongs to me. I have attempted to resolve this matter several times with the debt collector directly and even at one point I extended a settlement offer to resolve the matter directly and remove the account from my credit report.
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| 06/08/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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This debit does NOT belong to me and was a result of ID theft. At the time this account would have been opened by my now deceased brother, who lived with me and had used my personal information to open several loans/credit cards. It was not until after my brother passed away in XX/XX/2018 did I learn of his fraudulent activity and clearly have no recourse now.
I have submitted the proper ID theft information/report to the credit bureaus, but AD ASTRA RECOVERY continues to reassert the debt belongs to me. I have attempted to resolve this matter several times with the debt collector directly and even at one point I extended a settlement offer to resolve the matter directly and remove the account from my credit report.
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| 11/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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I am XXXX XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the AD ASTRA RECOVERY SERV ( Original creditor XXXX XXXX ) still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.
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| 10/15/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
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Web |
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On XX/XX/XXXX, i borrowed {$1300.00} from speedy cash and the first payment was ok {$77.00} and after that they were {$140.00} every other week and i am now unable to make these ridiculous payments cuz my hours have been cut at wk. I notified them but all i get now is i owe {$270.00} on XX/XX/XXXX, i am in default and i have sent emails and i get no reply i dont have a phone right now and i have asked for help maybe lowering the payments for a month or so they say to contact them if u cant make a payment and they will work with you. All they do is extend it 4-5 days out and tht dont help either! I am deperate i have called about filing bankruptcy and i may have to and i dont know what else to do.
Thanks in advance
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| 07/14/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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This is for a payday loan, but I was bankruptcy, so I'm not sure how I had gotten a payday loan, this company calls me at least 12 times a day and I tell them I was under bankruptcy, they will not call for a few weeks and then they call back. The issue I have is that they've taken the number they are calling from my profile on XXXX XXXX, which is not public and are calling me on my work cell phone which is on LinkedIn only since I am a recruiter, so it is not public. I'm not sure that the debt is valid since when I ask for the information about the debt, they say they are unable to give me any information, just an amount to pay and can not give details until a payment arrangement has been decided and committed to.
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| 04/28/2015 |
Yes |
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- Can't stop charges to bank account
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Web |
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Rapid Cash on XXXX XXXX XXXX and XXXX in XXXX, OR is where I have taken out many payday loans. I got to the point where I could not pay and I had XXXX out for {$330.00} = {$670.00}. I called ahead of time to make payment arrangements and they refused to work with me. I was told that the transaction would have to go to my bank and once returned would then make pymt arrangements. I had stop payments put on my account beings I knew I would not have the money. The payment was stopped on XXXX but not the other beings they ran the payment as a different name.If a customer wants to make arrangements why would they want to cause all these fees for someone that wanted to pay but needed to make payments does not seem right
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| 08/13/2021 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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|
Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
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| 07/20/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
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| 02/10/2017 |
Yes |
|
- Charged bank acct wrong day or amt
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Web |
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Rapid cash I did n't have money when the check came through, called and made a payment plan, the stupid company did n't cancel the check once I made my payment plan ; on that schedule day to make my arrangements payment, they stole my XXXX that we agreed that I would make arrangements on and they took the XXXX $ that I agreed to cause I bounce my check. called to try to get them to give my money back. It will get credit back when the check that did n't clear post well it posted and the XXXX $ posted and all this happen XX/XX/2017 and it 's the XX/XX/2017 and I still do n't have my money ..
I hope the consequences of them breaching a contract is just as harsh as if I decided to steal the money the way they did
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| 02/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
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I took out a loan with speedy cash when I fell upon some hard times the loan would go into collections and this company called universal collections called stating they were collecting a debt for speedy cash had all of my information I was setup on a payment plan and paid the loan off in XXXX of XXXX here I am 5 months down the road and the debt is still showing delinquent and impacting my credit I have called this number XXXX ( XXXX XXXX ) numerous times and they always pick up and ask me for my case # XXXX it always show paid off in their system but no record of it showing paid off on my credit or to Speedy Cash I called yesterday XX/XX/XXXX and got the same answer when I called and spoke with her yet again
|
| 08/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I looked on my credit report and it shows that I have a collections account with speedy cash from a XXXX $ loan that I know for a fact I never received nor applied for. I have absolutely no knowledge of this account with them. I dont know any information as to where this amount was deposited into what banking account, I have no records nor do I have any mail or emails from speedycash with a loan agreement or any communications in the mail. I have not received any phone calls from this company about this loan either. It shows the loan was opened on XX/XX/2019. As I stated above I know absolutely nothing about this account with speedy cash. I have filed an identity theft report with my local police department.
|
| 02/06/2017 |
Yes |
|
- Can't stop charges to bank account
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|
Web |
Older American, Servicemember |
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I XXXX XXXX have been in XXXX. My XXXX is at XXXX and I have a long road to recovery. My daughter had reached out to you about rapid cash. I have an account with XXXX XXXX XXXX in Nevada. Rapid cash refuses to respond back to me or my daughter countless times. I have intent to pay but I am a VA member and they do n't cover all the hospital expenses I need. If rapid cash is unable to temporarily suspend it, They will drain my account and I wo n't afford my recovery expenses. I have submitted a claim to my bank. And now I am writing you as well I do n't want them to take my truck and I only want a temporarily hold on my debit card and ach from them until I 'm out of the hospital My case worker can be contacted
|
| 10/13/2021 |
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
- Problem with personal statement of dispute
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|
Web |
Servicemember |
|
Adstra Recovery services, XXXX XXXX, XXXX XXXX XXXX, has violated my consumer rights I sent a certified letter of dispute With a clear Police Report and theft affidavit as well as my driver license to prove my identity and proof of address these companies fail to give me a proof of how this debt or collection are mine which is still reporting to the credit agencies fraudulent debt I sent clear Demand letters to The Direct Companies And 3 of the credit agencies they all fail to comply in a timely manner as well as they have violated my consumer rights under the fdpa law Im Requesting them to remove any debt or collection using my social or personal information immediately Im in the process of sueing legally!
|
| 02/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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This company did not give enough documentary evidence to verify for this alleged debt from complaint XXXX. I demand a full file disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 USC 44 and all subsequent documents including any and all accounts made using my intellectual property, my signature, associated with this account. I want a full audit trail and not an altered contract like the one you sent pursuant to 12 USC 5562 ( c ) ( 10 ). AD ASTRA still can not produce a contract between me XXXX XXXX XXXX and AD ASTRA. In the state of Illinois AD ASTRA is on probation and can not collect. Expect a complaint from the Illinois Attorney General 's Office as well.
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| 07/15/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
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XXXX XXXX XXXX has reached out to me threatening to take me to court and such for a past due collection. i was going to pay the amount due in full when i realized theres no formal way to submit my information. i do not feel comfortable providing my banking information via email as the company requested. after doing my research, i learned that XXXX XXXX XXXX is a collection scam. they have threatens other in the state of Washington ( and probably everywhere else ) with 1. ) Violation of federal banking 2. ) Collateral check fraud 3. ) Theft by deception. i am now concerned about what to do from here on. i have requested verification of the person requesting my informations legitimate and legal licensing.
|
| 11/03/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I found this collection account from Ad Astra Recovery Systems, Account Number, XXXX on my credit report and saw it was for a company called speedy cash. It has a date of XX/XX/2018. The amount is XXXX I researched SpeedyCash.com-168VA and they are not in my local area and are a payday loan company.
In XX/XX/2018 I was unemployed and have no knowledge of this loan. I have disputed this twice and they come back from the dispute and confirm it as accurate. I explained in my dispute that I had a joint checking account that had individual accounts attached to it and someone in my home with access to all my information.
I have no prior knowledge of this and would not have been eligible for a payday loan.
|
| 11/03/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I found this collection account from Ad Astra Recovery Systems, Account Number, XXXX on my credit report and saw it was for a company called speedy cash. It has a date of XX/XX/2018. The amount is XXXX I researched SpeedyCash.com-168VA and they are not in my local area and are a payday loan company.
In XX/XX/2018 I was unemployed and have no knowledge of this loan. I have disputed this twice and they come back from the dispute and confirm it as accurate. I explained in my dispute that I had a joint checking account that had individual accounts attached to it and someone in my home with access to all my information.
I have no prior knowledge of this and would not have been eligible for a payday loan.
|
| 09/16/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
WHEN I APPLIED FOR THE LOAN I TOLD THE LOAN REPRESENTATIVE THAT I GOT PAID EVERY OTHER FRIDAY. I WAS NOT EXPECTING HER TO MAKE THE REPAYMENT CONTRACT FOR PAYMENTS DUE EVERY OTHER THURSDAY. SHE DELIBERATELY MADE THE CONTRACT FOR EVERY OTHER THURSDAY. I TRIED TO GET THE COMPANY TO CHANGE MY DUE DATE TO EVERY OTHER FRIDAY AND THEY TOLD ME THEY COULD N'T CHANGE IT. THEY SAID I WOULD BE CHARGED EXTRA INTEREST EVERY TIME THE DUE DATE NEEDED TO BE CHANGED. THEY SAID I WOULD HAVE TO CALL IN EVERY OTHER WEEK TO REQUEST A PAYDATE CHANGE. I WAS BLINDSIDED BY THIS EXTRA INTEREST THAT I FEEL THAT I SHOULD NOT HAVE TO PAY DUE TO THE FACT THE THE LOAN WAS BASED ON FRAUDULENT/INCORRECT/DELIBERATELY FALSE INFORMATION.
|
| 04/06/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This was a payday loan from Speedy Cash and the original amount that I borrowed was for {$400.00}. I was unable to pay the loan off because I lost my job. Speedy Cash sent this debt collection to XXXX XXXX XXXX XXXX, XXXX. I have sent a debt validation letter to them on XX/XX/2019 to provide proof that I owe {$900.00}. As of today, they have not responded to my request. This is a violation of the Fair Debt Collection Practices Act ( FCDPA ). Also, we have payday loan laws in Mississippi and Alabama and XXXX XXXX XXXX XXXX , XXXX is charging illegal collection and interest charges on this alleged debt. When I spoke to a CSR on the phone about this alleged debt and curse me and hung up the phone on me.
|
| 10/10/2016 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
I took out several loans with this company in the past. I would always pay hem back. For some reason I fell behind on one of the last loans I was planning on getting from them. I then was charged though them. They took the money from my Bank account. Me thinking they had tooken all of the money that i owed. But they were short XXXX . So I never went back to the store for a while. I then noticed I did owe them still I was being called maybe a couple times. I was supposed to go in and pay but I just never went it in because maybe since I thought it was only XXXX they would charge again on my bank account. Well now it 's time to pay it all off in full payment. I would like to do this as soon as possible
|
| 06/06/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have contacted not only the debt collection agency, but the original creditor. I paid XXXX payday loans directly to speedy cash, yet they were sold off to the collection agency without first contacting me. I paid the debt in person and per their request sent in the proof. XXXX at XXXX XXXX informed me they do not see XXXX accounts yet that is what they are reporting. I repeated myself and asked him if the call is being recorded due to the discrepancies, in which he said yes. I informed him I will use the information for verification which he did n't reject. The call took place on XXXX / XXXX / 2017 . In addition I ha ve asked them to only contact me via usps mail and they do not follow.
|
| 09/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This is my official Notice of Dispute. I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, Gramm Leach Bliley Act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit Ad astra recovy serv and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.
|
| 09/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account for some time now with AD ASTRA RECOVERY. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
|
| 08/31/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
I received an email ( XX/XX/21 ) from a XXXX XXXX stating that she is doing business as XXXX XXXX XXXX ( Speedy Cash ). The email states that I have committed fraud and am subject to a court hearing. They also threaten to contact my employer. I am to contact the following address via email : XXXX The instructions states than I am to email " us between working hours XXXX to XXXX '' There is no phone number to call.
I have not used this company for a payday I am currently working with several day payday loan companies. This is not one of them.
According to the email, I have late payment costs of {$100.00}, interest costs of {$63.00}, an account value of {$580.00} and a total debt of {$780.00}.
|
| 08/05/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
This complaint is in regard to a previous complaint # XXXX to Speedy Cash. I thought it was resolved where Speedy Cash accepted the complaint by CFpd as fraud and I was not responsible for the amount owed of {$1200.00}. However now this was reported on my XXXX report after that report of XX/XX/2021. Speedy Cash/Curo XXXX XXXX, flagged your account as 150 days past due on XX/XX/2021. XXXX XXXX XXXX XXXX, XXXX, KS XXXX, XXXX, XXXX XXXX XXXX ( 150 days deliquent ) balance date XX/XX/2021, Balance {$1200.00} ... I hope this can be resolved and updated on my three credit reports..surprises keep showing up.. Thank you for your further assistance in the problem of fraud, opened by some unknown person.
|
| 03/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Countless times, XX/XX/XXXX - XX/XX/XXXX I have reached out to the original creditor ( Speedy Cash XXXX XXXX ), which now Ad Astra Recovery SE is now the collection agency. I notified both companies in writing that I am a victim of identity theft, and requested that they close the unauthorized account, remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files, XXXX, XXXX, and XXXX. I have contacted FTC Identity Theft Report to report this. I have both companies to send me a letter explaining their findings, and that I am disputing the fraudulent charges. I have mailed so many letters, yet, no response. The amount is {$1700.00}.
|
| 03/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Countless times, XX/XX/XXXX - XX/XX/XXXX I have reached out to the original creditor ( Speedy Cash Com TXCSO ), which now Ad Astra Recovery SE is now the collection agency. I notified both companies in writing that I am a victim of identity theft, and requested that they close the unauthorized account, remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files, XXXX, XXXX, and XXXX. I have contacted FTC Identity Theft Report to report this. I have both companies to send me a letter explaining their findings, and that I am disputing the fraudulent charges. I have mailed so many letters, yet, no response. The amount is {$1700.00}.
|
| 09/12/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I sent a certified letter to XXXX XXXX on XXXX XXXX and it was signed for on XXXX XXXX and a follow up letter was sent on XXXX XXXX and was signed for on XXXX XXXX. I formally disputed this account and I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. all they sent was a printout of a online statement that had no signature By law, XXXX XXXX did not supply the info within the 31 days required by law validating the dispute nor did they mark the account disputed in the required amount of time
|
| 07/09/2021 |
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
|
|
Web |
|
|
Hi, There was a new inquiry just added to my XXXX credit report and XXXX credit report which was not authorized by me.
The XXXX credit check run was done by XXXX XXXX on XX/XX/2021 There wXXXX XXXX different hard inquiries by XXXX XXXX on XX/XX/2021, Curo Management, Llc on XX/XX/2021, and XX/XX/2021.
I am out of the country from XX/XX/XXXX and still haven't traveled back to the XXXX and I haven't requested credit inquiries or used my credit cards during this travel.
I am contacting the companies to inform them about the fraudulent activities.
In addition to that, I have contacted XXXX, XXXX, and XXXX to freeze credit reports and set up a fraud alert on all three.
Thanks, XXXX
|
| 06/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
Received a past due demand from Speedy Cash for {$300.00} letter dated XX/XX/2021. I have no knowledge of this transaction and never applied for the speedy loan. This is a fraudulent transaction and attempting to intimidate me to paying the {$300.00}. I am not responsible for the {$300.00} and will file a complaint against the alleged creditor Speedy Cash. Just returned from a short vacation to XXXX and opened the late payment notice today i.e. XX/XX/2021. The fraudulent account number is XXXX. Speedy Cash is demanding that I pay via credit card or debit card and provide my account number. I gather that this is an attempt to obtain my credit/debit card number to further maximize the rip-off.
|
| 01/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Older American |
|
On a {$1500.00} loan that originated in XX/XX/XXXX, I have made the following payments : {$320.00} on XX/XX/XXXX {$350.00} on XX/XX/XXXX {$350.00} on XX/XX/XXXX {$380.00} on XX/XX/XXXX and {$180.00} onXX/XX/XXXX.
There is a payment due XX/XX/XXXX for XXXX. All of these payment have totaled {$1500.00} not including the XX/XX/XXXX payments made on this account. Needless to say, this has put me in serious financial distress. My bank account is constantly overdrawn, and I have been unable to make a payment on my state and county taxes which are seriously delinquent. I need some kind of consideration on this loan. I do n't know how many more payments I owe or what those payment amounts will be.
|
| 10/01/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have only received XXXX phone call from this company about a debt owed from XXXX XXXX on XX/XX/2022. The call was XXXX minutes and the representative was speaking very low to where I could not hear them. I tried to call AD ASTRA RECOVERY back to verify this debt in writing and I was unable to reach anyone. I have not received any other Mail notifications with a right to dispute from this company. I feel it is unfair to have this negative item on my credit report but I have had only XXXX communication with this agency. I have sent a cease and desist letter to the agency on XX/XX/2022 after trying multiple times to get the collection removed through the credit bureaus but was unsuccessful.
|
| 11/19/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XXXX, I noticed a collection entry on my credit report. On XXXX, I wrote a debt validation letter addressed to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, KS, XXXX via certified mail. The letter was delivered on XXXX to the Front Desk/Reception/Mail Room according to the USPS tracking information. As of XXXX, I have not received any communication from XXXX XXXX XXXX regarding the validity of this debt. On XXXX, I disputed the information with XXXX via letter sent by certified mail. On XXXX, I disputed the information with XXXX via letter sent by certified mail. On XXXX, I disputed the information with XXXX via letter sent by certified mail. On XXXX, I disputed the information with XXXX
|
| 03/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
|
I applied for a loan online @ Speedy cash on the XXXX of XX/XX/2021 in the amount of {$750.00}, the 1st payment of {$210.00} was withdrawn from my account on XX/XX/2021, I called the company today to get the payoff amount today, and I was told that the payoff amount was {$960.00}. I asked how in the world could the loan payoff be {$960.00} after less than a month of the loan after a payment of {$210.00} and the Customerservice representative start trying to explain a bunch of garbage that still didnt make sense, especially since the phone connection was very bad, I clearly didnt expect this when I took out the loan. Please check into their loan practices, because this should not be legal.
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification.
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX add a hard inquiry on my credit reports.
On XX/XX/XXXX, SPEEDY CASH/CURO add a hard inquiry on my credit reports.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 04/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This is a pay day loan that had a court judgement for 2 years with threats of garnishment if I missed a payment. I got a court judgement XX/XX/2020 that it is paid in full and the judgement satisfied and the company Speedy Cash refused to remove off my credit record when I disputed it with XXXX. The dispute came back and said it will remain on my credit record and I dont know how long. After 2 years of threats of garnishment and I paid them off after they have been on my credit record for 6 years, if its paid in full and closed it should be removed from my credit record. Its no longer necessary to continue to drag my credit when I got them cleared through a court order. Enough is enough!!
|
| 03/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I pulled my report once again after clearing up incorrect information show from a monitoring service that I'm in the process of getting a vehicle loan for my trucking business and I have unknown loan on my report that's not mines at all show XX/XX/XXXX. I am filing this initial complaint being consumer financial protection bureau helped with clearing a unknown item recently. There is an account that show as a collection that I don't have and not aware of and I am demanding that this account be deleted & removed permanently from all 3 credit bureaus - XXXX, XXXX XXXX XXXX & XXXX based my research says by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of XX/XX/XXXX.
|
| 05/04/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The company, XXXX XXXX XXXX, purchased a debt from Ad XXXX after I was able to successfully dispute the account and had it removed because I am a victim of identity theft. The company changed the dollar amount the account number and added it back to my credit report, which are violations under the FCRA.I have contacted them on the following dates occasions XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and have not received a response to my debt validation letter requests, which I have a right to request Fair Credit Reporting Act, Section 609. This debt is not mine, I have not applied for and loans from Speedy Cash, the original debtor.
|
| 10/31/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
On XXXX XXXX, XXXX, some company called me about a payday loan I took 2 years ago, they keep disturbing me with calls and threatened I will be served at court. They said I have to pay XXXX, I dont even know how they came up with that amount. And why they are just calling me after 2 years now. They force out XXXX dollars out of me which is money I dont really have. I only work a minimum part time job which I can barely do things for myself. They want me to pay every weekly which I can not not do. They were kind of rude to me on the phone. I am just hearing about this today without giving me time or nothing but saying I will be taken to court. They call me with an odd number which is XXXX.
|
| 06/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a credit alert from the credit bureaus that I have XXXX different loans in collections. I contacted the number listed in the info and it was a collection agency stating I took out XXXX different loans in XX/XX/2019. I dont understand how someone could get approved for XXXX loans, 5 days in a row. I asked if they could verify the account information the money was deposited to and they couldnt. I informed them I live in Georgia and this loan company doesnt offer loans in my state. I have no information regarding these loans. Ive never received any documentation or phone calls from the loan company nor collection agency. They told me to file a police report to dispute the issue.
|
| 10/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
AD ASTRA RECOVERY SERVICE is reporting Account # XXXX to my consumer report which is FALSE & MISLEADING because I have no legal obligation or contract of any sort with AD ASTRA RECOVERY SERVICE. This is a violation according to XXXX XXXX ( FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS OR MEANS. I demand for XXXX XXXX XXXX XXXX to DELETE the negative item from my credit file, immediately I demand for AD ASTRA RECOVERY SERVICE to DELETE the negative item from my credit file, immediately. I requested for AD ASTRA RECOVERY SERVICE to abide by the law and send the required disclosures. I am only exercising my rights as a consumer by demanding AD ASTRA RECOVERY SERVICE to abide by the law.
|
| 02/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I REPEAT This is not a duplicate, My first dispute you ignore " NOT MY NAME '' part of the dispute. This is my second time disputing and my LAST TIME trying to fix this issue before I file a lawsuit for Amenity, Statuary & Emotional damages.
The original contract from ( Speedy Cash ) doesn't have my name. Copy of the AD ASTRA paper work they sent me via verified mail doesn't have my name, which is a major violation, so how are you verifying this debt? So I recommend you do a careful Investigation over the highlighted area on the documents that is attach. Under the FCRA 1681i That is Not My Name On The Original Contract so Delete this debt off XXXX & XXXX or I will be filing suite
|
| 01/31/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
The day before the payday loan that I had was due my account and card were both locked by Speedy Cash. I was unable to log into the account to make any payments or review loan information. The company said this was an internal security precaution and that I should use an ID to pay in person. After visiting a Speedy Cash branch, I was told that my prepaid debit card had been locked and that it would not be possible to process any future payments. Two years later, on XX/XX/19, a derogatory entry from a collection agency for a Speedy Cash payday loan, suddenly appeared on my credit report. I was not contacted by Speedy Cash in any way and did not receive notice from a collection agency.
|
| 04/14/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX is reporting Speedy CashXXXX. On my XXXX report as a debt. As Original Creditor. Speedy Cash can not report a balance as a debt. The same account is being reported. As a collection debt. With AD ADSTRA. For the same amount. Speedy Cash can report but they cant report the same debt amount. In doing so, My total debt amount is being reported higher than it is. Ive had Speedy Cash account deleted on my XXXX XXXX XXXX credit reports. I called Speedy Cashs dispute dept. About them reporting on my credit reports. XXXX continues to report this debt. Per the FDCRA, original creditor cant report a debt balance. Of and account that is being reported in collections. Account number is XXXX
|
| 02/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/22 Ad Astra Recovery Services Inc. gained access to my checking account and I am unsure how they did it but they wrote themselves out a payment check for the balance I owe Speedy Cash ( speedy cash sold my debt to Ad Astra ) of {$590.00}. I did not give anybody permission to do that nor did Ad Astra have a court order. I called Ad Astra today ( XX/XX/22 ) in order to find a solution to paying of my debt and was basically told by the woman I spoke to that it was an attempt to collect a debt and that they had sent letters and had called me about AND that if I didn't resolve the issue they would basically gain access to my account again and attempt to take out the money again.
|
| 06/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a credit alert from the credit bureaus that I have 5 different loans in collections. I contacted the number listed in the info and it was a collection agency stating I took out 5 different loans in XX/XX/2019. I dont understand how someone could get approved for 5 loans, 5 days in a row. I asked if they could verify the account information the money was deposited to and they couldnt. I informed them I live in Georgia and this loan company doesnt offer loans in my state. I have no information regarding these loans. Ive never received any documentation or phone calls from the loan company nor collection agency. They told me to file a police report to dispute the issue.
|
| 02/02/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
About 6months-1year, I went to speedy cash to obtain a loan, received {$2400.00}.
Since then til current I have paid them back in the total amount of {$3600.00} and XXXX XXXX XXXX is still allowing them to freeze any amount of my hard earned money at any time, I have done all procedures with the lender speedy cash as my bank by paying for the stop payment thru both my account as my card, various times. Still to this current day my bank is allowing them to still freeze and take funds out, I need urgency of help and getting my funds put back in my account, currently 3 days ago they allowed speedy cash to freeze {$580.00} and XXXX XXXX XXXX won't put my money back to my account
|
| 06/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX are attempting to collect a debt on behalf of Speedy Cash. XXXX XXXX XXXX XXXX XXXX and Speedy Cash is reporting incorrect information to XXXX. On my report XXXX XXXX XXXX is listing the date the account opened as XX/XX/XXXX which is not correct. When I requested the debt to be verified they forwarded documentation from Speedy Cash with the date listed as opened on XX/XX/XXXX and that it has been in collections since XX/XX/XXXX, but been past due since XX/XX/XXXX.
There's XXXX conflicting dates on the documentation forwarded to me in their attempt to verify this debt. By law they are required to report accurate information and that's not being done.
|
| 06/09/2021 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
I wanted to know are you the owner of the original debt?
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
|
| 10/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
Older American |
|
I have instructed Speedy Cash more than once to never debit my checking account for any reason. And today they debited my checking account for {$190.00} without authorization. Please see one email below I sent them : From : XXXX XXXX XXXX Sent : Sunday, XX/XX/2017 XXXX XXXX To : Speedy Cash Subject : Re : Payment Unsuccessful Notification Dear sirs, I instructed your representative twice specifically to not save my payment information after my last payment on XX/XX/17. Speedy cash is never authorized to save my payment information. If you have inadvertently please delete it from your system immediately!
Last four of my social XXXX DOB XX/XX/XXXX Sincerely, XXXX XXXX XXXX
|
| 12/24/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
There is no transparency : -No monthly statements, no payment history.
-Attempts at online payments generate a pop up window that declares " online payments not available at this time ''.
-My starting balance was {$3500.00} in XX/XX/XXXX, my current balance is {$3800.00} as of XX/XX/XXXX despite having made six on time payments of {$180.00} for a three month total of {$1100.00}. Even at an APR of 129.776 % the balance should not be growing.
-Agents can not answer questions about why a balance is going up rather than down.
-Emails are not replied to. I sent several emails regarding a payment issue, the last on XXXX XXXX and as of XXXX XXXX have yet to receive a reply.
|
| 01/24/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
I am a single mom with XXXX kids. My car was repossessed unexpectedly in XXXX 2016, I purchased another vehicle ; plus the cost of paying full coverage insurance made my living expenses difficult to pay for my other bills. I experienced trouble paying my rent in XXXX, XXXX, XXXX, and XXXX of 2016 which is why I went to Speedy Cash.
At the time I applied for an LOC for {$600.00}. A young lady that works there told me about a title loan. I took it out in addition to pay for my car note and rent because I was behind on both at the time. The lady told me the interest rate would be cheaper but that is not true. I am paying about 300 % in interest and fees this is hurting me.
|
| 11/21/2018 |
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
|
|
Web |
|
|
The company XXXX XXXX XXXX appeared on my XXXX credit report on XX/XX/2017. It appears to be personal loans company under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a loan. I informed the company that I have not submitted any form of application for financing or loan acquirement and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
|
| 09/17/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
AD ASTRA RECOVERY SERVICE ( 12 SPEED CASH 16 ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
|
| 01/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I was out of job for 2 years because I was hurt. On XX/XX/2018 I went to Speedy cash and I took a payday loan in the amount of {$960.00}. I was desperate and I did not wanted to become homeless. I went there and they did not explained to me what I was signing. I have been paying {$210.00} on XXXX of the month since XX/XX/2018. I saw in the app that on XXXX first I have to pay {$1200.00}. There is no way I will be able to come with that money. The payments I have been making in XX/XX/XXXX total XXXX and while I understand businesses need to make a profit, I dont understand why I have been charged so much interest. I want to honor my commitment but it is so much money.
|
| 02/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX LIED ON REPORT # XXXX, I HAVE REPEATEDLY ASKED XXXX AND AD ADSTRA RECOVERY TO VALIDATE THE DEBT, PER THE FDCPA BOTH ARE IN VIOLATION .... IT TIME XXXX COME BACK AND SAY THAT THE DEBT IS VALID, I HAVE ASKED THEM TO PROVIDE ME WITH THE INFORMATION THAT WAS PROVIDED TO THEM AND THEY HAVE NOT, IN THE PREVIOUS COMPLAINT THEY SAID THEY HAVE PROVIDED IT TO ME, WHICH THEY HAVE NOT, WHY ARE THEY ALLOWED TO GET AWAY WITH LYING? I WOULD LIKE FOR XXXX TO PROVIDE ME WITH THE VALIDATION, AD ADSTRA IS COMMITTING FRAUD AND XXXX SEEMS TO BE WORKING WITH THEM, I DO NOT OWE AD ADSTRA, IN BOTH RESPONSES THEY SEND BACK A WHOLE LIST OF GARBAGE,, I WILL MOVE FORWARD WITH MY COMPLAINT
|
| 08/12/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
XXXX 2016 I borrowed {$200.00} from Speedycash using their online Installment Loan service. I have made several attempts to payoff the loan. Although the website publishes a way to payoff the loan at their website, my payment is not accepted. I have noticed my debit card has an incorrect expiration date so Intried to correct it but the response that is returned says the card number is already on file. I sent Speedycash an email to call me or fix the payment issue. I have received no response. I believe this is a deliberate attempt to prevent me from paying off my loan.
I will make another attempt Friday, XXXX XXXX because another fee will be due Monday, XXXX XXXX
|
| 02/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In reviewing my credit report, I noticed that I had a collection from a company called AD Astra Recovery. I attempted to reach them by telephone in XXXX of XXXX. On XX/XX/2022 I sent them a fax, as I was provided the number by the operator and told to send in a request for information as they would not release it over the phone. You can see by the attached Fax Log that the fax was sent at XXXX on XX/XX/2022 with the two pages attached. I attempted to verify the debt. Since that time, AD Astra Recovery has not provided any information nor responded to the fax. I believe that this is a violation of law and this item must be removed from my credit report immediatley.
|
| 02/03/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 08/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 07/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 05/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
On XXXX XXXX received alert from XXXX XXXX of new account. After I noticed a drop in credit score I was looking for the account. The account was speedy cash an was started in XX/XX/2021. I never applied for loan or received funds. After I put freeze on my credit I contacted speedy cash. They told me a loan was taken but banking account was different. The banking information didn't match I made them aware of my bank of 14 years. They advised me to file a report with my local police. I went to my local police. They informed me I need to file a report with FTC they don't create report for identity theft. I inform speedy cash they sent me affidavit to get notarized.
|
| 10/07/2020 |
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
|
|
Web |
Servicemember |
|
My name is XXXX XXXX XXXX, I am writing because I have been a victim of Identity Theft. I have attached letters to suppose my case. The IRS and Social Security both have cleared my name with IRS Affidvat and investigation found out someone was using my info as XXXX veteran. I am writing to have Ad Astra Recovery Services , Inc, Who said I had taken out a payday loan with Speedy Cash they have place this on my credit report with XXXX. I have attached a Identity Theft Victim 's Complaint and Affidavit with FTC and have a Victim 's FTC complaint number which is XXXX.
I also attached my letter from the Veteran Admin that I am XXXX and XXXX XXXX unemployable.
|
| 07/09/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
Good afternoon- I am writing because I honestly think this company has been scamming customers- The caller ID identifies them as " scam likely '' I got a payday loan in XXXX of 2017, XXXX- I have had this company take out the wrong amount-they claimed that they " neglected '' to activate the notification that would allow me to have a reminder before they casually took my car payment, when I was only expecting a XXXX payment- I know I have since repaid this loan yet they continue to say the interest rate is charged for every day this loan goes unpaid? How do I ever get this repaid if they charge me daily for some revolving interest-sounds highly suspect to me?
|
| 01/10/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On the morning of XX/XX/2022, I received a phone call from XXXX XXXX XXXX ( XXXX ) stating that I had an outstanding debt of {$500.00} from a payday loan with Speedy Cash that would soon be sent to collections and repaid through wage garnishment. I did " settle '' this debt and paid {$200.00} through XXXX XXXX XXXX. However, after receiving the email stating I paid my account in full, I believe this was a scam. The email address they emailed me from was not a business email, but rather a XXXX email address ( XXXX ). Additionally, I have not been able to find any evidence of a XXXX XXXX XXXX at the address provided. I have attached the document emailed to me.
|
| 10/24/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I sent a previous complaint under my married name XXXX XXXX, which is still in process through the social security office. The complaint is supposed to be under my maiden name XXXX. On XXXX sent Identity theft report along with affidavit, and notary presentment to Ad Adstra through certified mail Receipt # XXXX to remove unauthorized account that was not opened by me, and I am yet to receive any communication from Ad Adstra about them following the law pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt, and this hasn't been done which is a violation of my rights and the law.
|
| 07/28/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
received an email from a lawyer saying i owe xxx.xx, they said they tried contacting me numerous times with failed attempts. it also states that they were going to withhold my checks and contact my job/references to let them know what was going on. they stated i had 12 hours to reply to set up payment arrangements if not then they would take me to court to pay xxxx.xx. i ended up contacting the said place & they have no record of any loans by me. also looked up address that was on email & found a phone number, decided to call & they mentioned that the address doesnt match where they are located. woman on phone said it was a scam & to report it to you guys.
|
| 03/23/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received a phone call from Speedy Cash legal department last week stating that a payment plan needed to be setup immediately. I didnt have an account # to provide them, so I gave them a old debit card #, but promised to provide the new number once I received it in the mail. I received a text message this morning with a link attached to it. Apparently, I am being sued for the amount owed & a warrant has been issued for my arrest. They also stated that it was too late for the payment plan and IF I wanted to pay in full, I could not do it through a bank account nor debit/card. They want me to wire it through XXXX XXXX or XXXX because their bank is in XXXX.
|
| 11/17/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I've disputed this account numerous times with the credit bureaus and with the company too. I do not have a contract or agreement with this company at all and never committed to what they are claiming. They also have violated consumer protection laws such as 15 U.S. Code 1692b - Acquisition of location information, 15 U.S. Code 1692f - Unfair practices, and also denied receiving a certified letter I sent to them to resolve this issue. Last but not least they do not even have a license to collect debt in the state of Illinois too. I'm in distress about this and need this account deleted from all 3 credit reporting bureaus immediately!!!
Account # : XXXX
|
| 07/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was victim of identity theft in XX/XX/XXXX and again in XXXX i put a fraud alert in XXXX and freeze in XXXX with all three credit reporting agencies while they investigate the matters against collections in the amount XXXX in XX/XX/XXXX and XXXX dollars in XX/XX/XXXX from XXXX XXXX XXXX. I requested debt verification in XXXX and XXXX ; I never received any proof of debt owed but this company continues to report collections on my credit report. Please help me with this matter i feel helpless for something i know nothing about. I have other collections on my credit report because of identity theft some have been deleted but this collection is the oldest.
|
| 03/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
XX/XX/2022 AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, KS XXXX This company has been sending me collection notices in the amount of {$1400.00}. This collection has been reported as past due balance. I do not know this company, nor have I ever done any business with this company. This company does NOT have a contract with my signature. Here are two other companies as well, reporting to my credit report.
XX/XX/2022 XXXX XXXX XXXX Amount {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Amount {$370.00} XXXX XXXX XXXX XXXX MO XXXX I do NOT have a signed contract with any of these companies.
|
| 03/08/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX and email was sent to my junk folder on XXXX I noticed the email while looking for another correspondence. It stated that a warrant would be issued for my arrest due to the debt owed. My social security number was listing as well as other information. I called the original loan office ( Speedy Cash ) on their fraud line because I believed this debt to already have been paid when I traded in my vehicle. They confirmed this debt was already paid and the email was fraudulent. They told me to report it through your website as well as pay attention to my credit report and bank statements from here forward since the sender had so much of my information.
|
| 08/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
On XX/XX/XXXX I visited the Speedy Cash located at XXXX/XXXX and I requested a payday loan in the amount {$850.00}. I tried to pay this amount with a loan from the company I work for and they refuse to give Goodwill the XXXX so the check could be issued. Speedy cash is taking {$210.00} dollars every two weeks from XX/XX/XXXX until XX/XX/XXXX. Which means I will be paying {$2500.00}. This is outrageous. I dont make that much money, this was not explained to me, and clearly constitutes predatory lending. I am ok paying a razonable interest amount, but what they are charging me more than 3 times what they lend me. Please help me to rectify this situation.
|
| 04/12/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX XXXX XXXX is threatening me and suing me for a debt that I do not owe. I have never heard of the merchant nor do I have a Contract with them nor are they licensed to collect in the State of Texas. Those are 3 different violations that entitles me to {$5000.00} per Violation If it doesn't get removed off my Credit Report. The State of Limitations in the state of Texas is 6 years & its past that time for them to collect in the state even If they were bonded to collect and it was indeed my Debt. You have 30 Days to remove such Debt or I will be filing a Civil Suit against your entire company and be forced to present yourself in the court of law.
|
| 10/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This account is a charged off account on my credit report. I do not have any knowledge of these accounts.
According to : 15 U.S.C 1681 ( e ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
15 U.S.C 1681s ( a ) ( 1 ) ( a ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 09/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I tried to apply online. I could not log into account. In XXXX I started the loan process but did not complete it. On XX/XX/XXXX, I called in about the issue. I was told they did a business review of my account and they would not do business with me. I requested a reason why and I was informed that they would not tell me why. I told XXXX that I had a right to know the reason. I offered to provide a updated address to send the reason to me via letter. She still refused to give a reason. I requested to speak to a supervisor and I was informed one was not available. I have the right to know the reason and to know if they are circulating this information.
|
| 11/18/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I got a payday loan from Rapid Cash in XXXX XXXX in XXXX. I unfortunately never paid anything towards it. Every year the debt is reported as new or just opened on my credit report as it now shows it was opened in XXXX of XXXX, which is utterly false. I havent been in a Rapid Cash store in years. The collection agency, XXXX, keeps on renewing this debt so it wont fall off of my credit. They are unwilling to correct this problem and are difficult to work with. Isnt reporting false information to credit bureaus illegal? A XXXX representative suggested I file a complaint. Please stop XXXX from their corrupt practices and from harming my financial health.
|
| 08/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
Hello, I have disputed the Collection Account with Speedy Cash with all the 3 Bureaus ( XXXX, XXXX and XXXX ) with no resolution. These companies do not investigate and send automated responses, as updated without further calling or investigating the company.
The debt speedy cash is slated to come out XX/XX/XXXX. Its been on my credit report for six years in XXXX. Speedy Cash re-aged this debt by listed it, as new for XX/XX/XXXX causing my credit to drop. As it reports, as new collection and its an old one. I reported this with XXXX, XXXX and XXXX 5 times without any resolution. This is illegal to re-aged a date.
I feel hopeless.
Please help.
|
| 10/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
Servicemember |
|
I received a loan in the amount of {$300.00} in XX/XX/2019, and I have been paying {$66.00} every 2 weeks since then, which totals 10 weeks as of today XX/XX/2019, totaling {$660.00} I have already paid them. When I made my first payment on XX/XX/2019, It showed I had a balance of {$300.00}. When I made my 2nd payment on XX/XX/2019, it showed my balance was XXXX. When I made my 3rd payment, it no longer showed me a balance. I have been paying every 2 weeks, {$66.00}, and as of right now, they are still saying my payoff balance is {$370.00}. It continues to increase as I made a payment. This was not discussed with me by anyone when I took out the loan.
|
| 05/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
To whom it may concerned, I have reached out on multiple occasions to rectify inaccurate reporting of a balance owed on my credit report. In XXXX, said company First Heritage garnished my wages for the exact amount of said court ordered garnishment. Now the company reports to my credit every month stating I owe them a balance. The account was initially closed then reopened with this balance. I spoke with the branch manager and they can not tell me what said charges are for and sent me a letter to remove item from my credit report. Each time item is disputed by me with factual evidence First Heritage reports the information as accurate when it is not.
|
| 03/11/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX Ad Astra Recovery took {$300.00} via an unauthorized postdated check from my SSI Representative Payee account for a 3 year old debt I have with Speedy Cash. Ad Astra Recovery has never contacted me regarding the Speedy Cash account and the last correspondence I received regarding the Speedy cash account was an email from XXXX XXXX XXXX dated XX/XX/XXXX. There is no record of a judgement against me with the court, and I never authorized Ad Astra to access the bank account or to use a postdated check. Not only did they take funds from an account containing 'Federal Benefit Payments ' they did so without getting a court order or judgement.
|
| 03/11/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX Ad Astra Recovery took {$300.00} via an unauthorized postdated check from my SSI Representative Payee account for a 3 year old debt I have with Speedy Cash. Ad Astra Recovery has never contacted me regarding the Speedy Cash account and the last correspondence I received regarding the Speedy cash account was an email from XXXX XXXX XXXX dated XX/XX/XXXX. There is no record of a judgement against me with the court, and I never authorized Ad Astra to access the bank account or to use a postdated check. Not only did they take funds from an account containing 'Federal Benefit Payments ' they did so without getting a court order or judgement.
|
| 12/16/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
I had a debit card on file for a line of credit @ XXXX XXXX in XXXX Tennessee.I become behind & they called and explained that it didnt go thru on my card.They then told me to pay in person what was owed..in the meanwhile they took TWO payments out of my acct then attempted another..When i addressed this.They sd they can pull the payments whenever they chose to since it was now behind. Now my acct is minus bc of not knowing the Exact day it was coming out plus they sent more then one payment thru along with my other bills trying to go thru. My acct is now minus and i accumulated all kinds of fee for overdrawing ect..Again this was in XXXX XXXX XXXX
|
| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am XXXX XXXX XXXX and XXXX submitting this complaint myself and there is no third party involved.
I XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan had my federal rights violated on XX/XX/2021 I noticed an error on my credit report from AD ASTRA RECOVERY SERVICES . INC violated 15 USC 1681 ( c ) and 15 USC 1611 ( 1 ). AD ASTRA RECOVERY SERVICES. INC. adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1681 ( c ) are up to {$1000.00} and 15 USC 1611 ( 1 ) are up to {$5000.00}. AD ASTRA RECOVERY SERVICES. INC is now civilly liable to pay me for the damages.
|
| 08/27/2021 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am filling a complaint against XXXX XXXX because they are attempting a that is I do not owe them. Account Name : AD ASTRA REC, Account Number:XXXX**.
I would like for AD ASTRA REC to show proof of verification that I owe them {$850.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.
|
| 01/14/2021 |
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
|
|
Web |
Servicemember |
|
The amount on the collection is not accurate. The company had not proven the amount to me. In XX/XX/XXXX my balance was XXXX. This is the accurate amount. They have charge excessive fees and interest as currently the balance shows XXXX and it has been reporting past due as if it is an active account which is not accurate and impacting my credit score more than any other collections. This is not fair credit act and is inaccurate report. Also the account was not started in XXXX. It was XXXX. They closed my account in XX/XX/XXXX and they continue to charge interest and fees until they reported to the credit berau this is against the fair credit act.
|
| 04/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
There was a loan taking out in my name i wasn't aware of until it showed up on my credit and i start receiving letters saying that i need to pay them. This is not me i didn't apply for no loan. I spoke with someone concerning this matter and asked how were the funds delivered and they stated into a banking account. When i asked what was the name of the account i never heard of it, I don't even bank with the bank name that was given to me. She also stated that the loan was being paid back then the person just stopped making payments on the loan. So now i am here trying to resolve this matter so it can be taking off my credit and to clear my name.
|
| 04/07/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Not only is this account more than 7 years outdated but the amount owed is inaccurate. When I initially tried to pay on this debt, I was told to come into the store to pay. At the time I just moved to XXXX XXXX for XXXX so I tried to voice my frustrations with the whole process and that I wasnt comfortable giving my information over the phone. This debt that is owed is more than 7 or 8 years old. When I asked the company for 1 ) proof of debt & 2 ) date of delinquency, they neither responded nor changed the misinformation. This account for some reason keeps reporting month to month, current when I havent done business with this company in years.
|
| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am XXXX XXXX XXXX and im submitting this complaint myself and there is no third party involved.
I XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan had my federal rights violated on XX/XX/2021 I noticed an error on my credit report from AD ASTRA RECOVERY SERVICES . INC violated 15 USC 1681 ( c ) and 15 USC 1611 ( 1 ). AD ASTRA RECOVERY SERVICES. INC. adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1681 ( c ) are up to {$1000.00} and 15 USC 1611 ( 1 ) are up to {$5000.00}. AD ASTRA RECOVERY SERVICES. INC is now civilly liable to pay me for the damages.
|
| 10/24/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I spoke with a representative at XXXX XXXX about planning to make a payment of {$50.00} a month and was told that my payment wasn't enough. The representative was really rude and disrespectful. I failed to get the name of the representative. The company call me a lot and recently when I pick up the phone they hang up in my face. I am attempting to work out a payment plan with the company however my attempts have been unsuccessful. I am not negating my responsibility- I just experienced a financial hardship which caused me to get behind on my payment. The company calls me excessively from XXXX but fails to work with me with me yet harrasses me.
|
| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
|
| 06/13/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I received a payday loan from speedy cash for {$2600.00}. I started paying monthly but realized the interest was out of hand. I got the loan consolidated and payed the outside lender. I signed a cease and dissist letter so speedy cash would stop contacting me. They continued to contact me and put a collections out for me although I payed the entire loan off through the outside lender. I contacted speedy cash and they informed me that the collections would n't go on my credit report and that was false. I would like that collection taken off of my credit report. The entire loan was paid off before they started contacting me through phone calls.
|
| 05/04/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2019 of collection reported on my account/collection letter sent to me, AD Astra add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and im requesting legal action to remove this account immediately.
|
| 01/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
Servicemember |
|
Today, XX/XX/XXXX, SpeedyCash withdrew {$1800.00} without permission. It was the full balance of a payday loan that I did owe. The issue I feel is very wrong is they did not attempt to take a payment in the last 8 months. They can confirm that my account went to a 3rd party collection on XX/XX/XXXX. They can confirm that the last time they attempted to withdraw funds was XX/XX/XXXX. As I have contacted collection agencies to begin payoffs on accounts. I do not agree nor understand how they go around their 3rd party collection agency, XXXX, how they leave my account alone for 8 months, and suddenly decide to take the full balance themselves.
|
| 08/02/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Went to XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX, borrowed XXXX never informed of interest rate, or given copies of loan agreement, told I would have a 1 time cab fee on my first payment, Appird for loan in XX/XX/XXXX 2017- paid XXXX every month, credited with {$110.00}, told pay off amount was more than the original loan - {$910.00}, charged cab fees every month but did show on my payment receipts - I have paid almost the entire amount but still owe XXXX however if I pay it off I have to pay XXXX, total loan amount comes toXXXX twice the amount I borrowed, I am on social security so my payments were scheduled every month on the XX/XX/XXXX.
|
| 10/19/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I have sent a copy of my old bank statement showing that i have paid this debit. And a picture ID to the collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX that was incharge of this debit. And to equifax where this item is still on my credit report. The date when it was issued is incorrect. This debit was issued to me on XXXX/XXXX/2016 realizing i do n't want it. It was sent back through on XXXX/XXXX/2016. After sending proof about this account what more can i do the have it corrected. Even the date i suppose to have received this loan the date is incorrect it does not corrosponse with the date applied.
|
| 03/07/2021 |
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
|
|
Web |
|
|
While disputing inaccurate information with XXXX XXXX XXXX, XXXX and Ad Astra replaced the previous Speedy Cash account they removed in XX/XX/2019 back on my credit report XXXX XXXX.
Now they have XXXX and Ad Astra reporting duplicate accounts with inaccurate non validated information while XXXX has not provided the information I have requested per my CFBP complaints.
Both Ad Astra nor XXXX have provided and account information to validate the amounts or the information to me that they have reported to credit bureaus.
Please refer to Speedy Cash response to CFBP complaint # XXXX where they confirm that Ad Astra closed this account.
|
| 11/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020, Ad Astra Recovery Services added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account Ad Astra Recovery Services did not verify this collection. Also, there is NO written form of communication, contact, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it's mine. According to the FCRA, Ad Astra Recovery Services has violated my rights as a consumer. Therefore, I'm requesting legal action to remove the account effective immediately.
|
| 12/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020 Ad Astra recovery added a derogatory mark on my credit report identify by XXXX XXXX.
Upon researching, this account was transferred/sold and Im no longer responsible for this account.
Ad Astra hasnt verified this collection. I requested on XX/XX/XXXX and XX/XX/2020 documentations that Validates my debt.
As of today Ad Astra Recovery has only provided me with a bill! A bill without a written signature does not validate the debt and anybody can send a bill and say its mine.
According to the FCRA, Ad Astra Recovery has violated my rights as a consumer and Im requesting legal action to remove this account immediately!
|
| 06/23/2015 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
Speedy Cash gave a loan to someone online using my name. They did not ask for any kind of ID and did no background check or they would have known that the social security numbers did not match. I called and complained after I received a bill from them. The woman informed me that they did n't need any Identification to give this loan because it was a low amount and the law in Texas allow 's it. So now my credit might be ruined or my identity compromised due to the way they do business. I let everyone I know know about this and of course XXXX of my friends are going thru the exact same thing at this very moment. This needs to be changed!
|
| 12/02/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
I am currently in a loan where I owe XXXX I can not pay for it because I have just lost my job, I will be going to college and after that the loan will be too much for me to even pay for. The bank that I have is with XXXX and this is in Idaho. I called them and talked to XXXX different people about the problem that I have and they had no solutions I wanted to foreclose the loan and they were not able to process it I am currently filing for bankruptcy and will be stopping any further payments to this speedy cash loan place, I WARN ANYONE WHO DECIDES TO GRT A LOAN DO NOT AND I REPEAT DO NOT GET XXXX HERE because this is absolute XXXX.
|
| 07/11/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have been receiving collection letters from a collection agency called " XXXX XXXX '' for a debt that I have not availed ( from Speedy Cash ). I suspect that either the debt was fraudulently obtained using my information, or the collection agency is fraudulently trying to collect a fictitious debt.
This debt has been reported to credit rating agencies and is severely impairing my credit score/history.
I have filed a police report with local county office, and they asked me to follow up with CFPB ; hence this report.
I would urge you to investigate both XXXX XXXX and Speedy Cash as to the origins of these collection letters.
|
| 03/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt in an effort to have the debt quit being sold to the next buyer after I prove its not my debt.
|
| 03/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt in an effort to have the debt quit being sold to the next buyer after I prove its not my debt.
|
| 09/17/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
For the past 2 years I have been trying to get this problem resolved. There are XXXX accounts on my credit report that are not mine. I have requested that they be removed several times via dispute and I have requested proof and documentation that I applied for these loans. I have yet to receive the proof that I asked for because I have never applied for or received any loans from the XXXX places.
Rapid Cash and a company called XXXX XXXX are saying that I took out a loan with them, I have been on Social Security since 2013 I do not have an Income to even afford a loan of any type my income won't even get me approved for a loan.
|
| 01/05/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
So, Ive been trying to reach out to this company for awhile now and it seems like they dont want to help me out, I told them numerous of times that this account was open under my name without my permission and Ive been a Victim of Fraud, I told them I tried to disputing this with the credit Bureaus but you guys keep Denying it, I told them Im trying to buy a house and Im not sure why this was open and added on my credit report, this is hurting my credit for something that wasnt mine or applied for this. Customer service keeps telling me they have to transfer me over to a different department to help me and its over and over again
|
| 04/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting Act.
The Following Account has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX - XXXX I have also issued a Validation of a Debt Request Pursuant to 15 USC 1692g They have refused and not complied accorfing to the declaration within the Debt Validation Request.
15 USC 1681 Section 602A. States I have the right to privacy.
15 USC 1681 Section 604A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
I DID NOT GIVE CONSENT. THIS ACCOUNT IS UNAUTHORIZED
|
| 03/07/2017 |
Yes |
|
- Payment to acct not credited
|
|
Web |
Servicemember |
|
Received notice from XXXX managment and paid {$310.00} for old debt for spouse to remove from credit report so we can purchase a home. They sent the attached letter. They stated they have the debt from XXXX XXXX XXXX who had the debt originally before I found out about it. XXXX is still reporting this debt on both credit reports despite numerous attempts to get them to remove it since the debt was paid in full.
Either XXXX is a scam and collected on a debt that they did not have access to, or XXXX is refusing to accept the fact that someone else collected on the debt since they would not. The original Creditor was speedy Cash.
|
| 03/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
First Heritage Credit located at XXXX XXXX XXXX XXXXXXXX in XXXX, LA XXXX pulled my Credit without my consent on XXXX XXXX and XXXX XXXX. I spoke with an employee on XX/XX/XXXX and made a payment and payment arrangements. They had no reason to pull my credit report and give me a hard inquiry when I spoke with them less than 3 weeks ago. I called on XX/XX/XXXX and the employee stated they can pull my report every 30 days to obtain current information. This is absolute abuse. I spoke with them on XX/XX/23 and there was no reason for a hard inquiry on XX/XX/23. They are manipulating, abusing, and taking advantage of the consumer.
|
| 12/31/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
I obtained a payday loan from Speedy Cash XX/XX/2015for XXXX {$230.00} and was laid off when the loan became due. I contacted Speedy Cash and advised them. I received a phone call from a representative from Speedy Cash asking if I could pay my loan, I informed her that I was still unemployed and was not trying to get out of paying my debt with them. She said that she would refrain from collection calls and wished me good luck in going back to work. On XX/XX/2015 Speedy Cash drafted my account {$280.00} via electronic check without my consent or approval. I have since then closed my checking account with XXXX Bank here in XXXX,
|
| 02/27/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
On XX/XX/19 I applied for a loan in the amount of XXXX. I was approved and fully intended to payback the loan. I however, just lost my job and was told about a health issue and to top it all off the bank account I did have was closed. I am to embarrassed to talk to the company as it has really made me distraught. I have in the past worked with them and was able to pay off the loan quickly, I won't apply for another loan with them since I am unable to pay this one back. I am due to pay back my loan XX/XX/19 for the amount of XXXX and will not be able to pay this payment or the next three for the same amount on the same dates.
|
| 08/23/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/2021 age of account a year and four months from speedy cash can debt collectors have been contacting me they woke me up while I was sleeping they call me at night time when I was trying to put my little girl to bed and they keep harassing me about money from four years ago or more Also the time that they said I had the loan I was incarcerated And theyre saying that it was a year and four months ago which is IncorrectAnd they put the account with the negative pay status and its messing with my credit that Im working so hard trying to build up so I can be able to afford a better place for My little girl and I to move to
|
| 10/13/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is in relation to prior closed complaint XXXX with the CFPB. I am a single live person writing this narrative!! I have yet to receive any documents verifying this collection with this company. I was given a tracking number but the document they have claimed to send was never delivered. XXXX using the tracking number XXXX.
This company does not even have a license to conduct business in the state of South carolina according to XXXX and SC REQUIRES DEBT COLLECTORS TO HAVE A BUSINESS LICENSE/REGULATIONS. I have attached their profile onto this complaint, once again I am requesting AD ASTRA terminate collection efforts.
|
| 04/01/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Well first off I was denied for this loan so I don't know how I could possibly even be sued for not paying a loan that I was denied for. I applied for the loan with speedy cash in XXXX of XXXX. And was denied less then two years later in now receiving emails saying that I'm getting sued for not paying back this loan and that I should get ready to spend 3 years in jail. The loan outstanding amount is for XXXX. The settlement amount is XXXX. And if I were to work with them they would lower the price to XXXX. And if I still didn't then they'd take me to court or would contact my employer. And then the lawsuit would cost XXXX.
|
| 06/10/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I acquired a loan with speedy cash based in California. I received an email from a *credit Burear debt collection that goes by the name of XXXX XXXX XXXX stating that they will file a lawsuit in the court of Texas for not paying a loan back which I am coming to an agreement with speedy cash myself. They want me to pay a certain amount using a prepaid card from a retail store. They dont provide a phone number I can call customer service to see who really is behind this company. I feel like I am getting scammed and harassed I have had financial and health problems lately. They have come at me aggressively through via email.
|
| 09/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavourable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX, XXXX and XXXX. Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
|
| 03/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 03/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 12/15/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In 2019 I took out several loans from Speedycash over the span of multiple months and paid them all back except for one. I had this company call me numerous times which I no longer have the log of since I ended up blocking the number. They have called and threatened legal action against me which is actually illegal.
The debt was then sent to Ad Astra Recovery services and for almost three years now Ive been trying to contact both companies in regards to the debt and how I can settle it. No answer. They tell me to call different numbers but I rather have it in writing or email for legal purposes which they refuse to do.
|
| 12/15/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In 2019 I took out several loans from Speedycash over the span of multiple months and paid them all back except for one. I had this company call me numerous times which I no longer have the log of since I ended up blocking the number. They have called and threatened legal action against me which is actually illegal.
The debt was then sent to Ad Astra Recovery services and for almost three years now Ive been trying to contact both companies in regards to the debt and how I can settle it. No answer. They tell me to call different numbers but I rather have it in writing or email for legal purposes which they refuse to do.
|
| 02/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX, XXXX, AD ASTRA RECOVERY SERVIC ( Opened XXXX. XXXX, XXXX ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA AD ASTRA RECOVERY SERVIC has violated my rights as a consumer and I requesting legal action Please remove collection from my credit reports.
|
| 03/16/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I got a XXXXXXXX XXXX loan back in XXXX I paid XXXX back in XXXX than they later took my whole check which was XXXX dollars. This loan has been on my credit since XXXX we are now past XXXX years of that loan and it still on my credit report. I paid XXXX times what the loan amount was and it is too old for it to still be on my credit report. I have filed XXXX disputes which they have verified information I provided is true and correct with XXXX but it is still on my credit report. Can this please be removed as it is too old to still be in there and I have paid more than XXXX times the loan I originally got back in XXXX.
|
| 07/19/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I contacted the collection agency ( XXXX XXXX XXXX ) several times and they continue to tell me that they can not provide me with proof/paperwork showing my ownership of a debt for {$500.00} with Speedy Cash taken out in XX/XX/2013. I told them its on my 3 credit reports and is the only negative item. I disputed the {$500.00} several times and still can not get proof of this debt. I was told that they flagged the debt as fraud and to provide a police report then they will investigate. XXXX County refuses to let me file a police report from a debt dispute from 2013. I am going in circles and this is my worse nightmare.
|
| 11/02/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
I took out a short term payday loan with Speedy Cash. I authorized them to take one payment out of my account of XXXX on XX/XX/XXXX. Instead speedy cash sent an ACH withdrawal to my account that cleared and also charged my debit card. They took the additional XXXX that was not authorized causing multiple overdraft fees with my bank totaling XXXX. Also transaction checks were bounced because of speedy cash taking two payments out of my account that was not authorized. The payments I made to other merchants were charged NSF charges totaling XXXX in addition to late fees posting to my other accounts because of this error
|
| 07/15/2021 |
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
|
|
Web |
|
|
On XX/XX/2019. AD ASTRA RECOVERY SERVICES added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA AD ASTRA RECOVERY SERVICES has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
|
| 09/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXXXXXX Original creditor XXXX Opened Account status XX/XX/XXXX ( XXXX yrs, XXXX mos ) Open Type Responsibility Remarks Individual Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX ^, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 04/24/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Type : XXXX XXXX Code : Individual Account Status : Paid Monthly Payment : - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : - High Credit : {$470.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Consumer disputes this account information Date Last Active:XXXX XX/XX/XXXX Date of Last Payment : - As you can see, the account was disputed, but the inaccurate information was not removed.
|
| 08/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Ive explained in scrupulous detail to Speedy Cash via phone conversations ( which I have the audio file of ) as well as by mail the payday loan that they repeatedly harass me in attempt to collect on WAS DISCHARGED IN BANKRUPTCY at the end of 2015.
Ive submitted my attorneys information XXXX XXXX, as well as my bankruptcy case number XXXX and this company still continues to call me sometimes 20+ times per day, as well as send me statements in the mail weekly which I have on hand.
I have contacted an FDCPA attorney regarding this harassment and illegal attempt to collect on a debt that was included in bankruptcy.
|
| 06/29/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I had a loan with speedy cash about 21/2 months ago I called in to pay it off and the representative done something to were it locked my debit card from being used to pay the loan off I was then told to mail a money order to the office in Kansas which I did well not there saying they did not receive the money order I went back to were I bought it told them of the problem they said they can track it to see if it had been cashed it took a while for them to find out anything I was notified that had in fact been cash by them but they still calling me and saying they never receive it now they have put it on my credit ...
|
| 03/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I consumer XXXX, XXXX, XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2019 I consumer XXXX, XXXX, XXXX starting receiving several notifications after the Consumer credit transaction with XXXX XXXX XXXX XXXX from AD ASTRA RECOVERY SE stating I owe a alleged debt in the form of mail as well as furnishings other deceptive forms to make me believe I owe a debt when in fact, I know I dont. Ive never heard of or do I have a binding contract between myself and AD ASTRA RECOVERY SE. AD ASTRA RECOVERY SE Is in Fact in VIOLATION OF 15 usc 1692j ( a, b ) ; Furnishing certain deceptive forms.
|
| 01/06/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX XXXX Speedy Cash XXXX added an account to collections on my credit report in which I am just now seeing on XXXX as I'm normally only using XXXX XXXX which reflects only my XXXX report. This is not reporting on my XXXX nor XXXX report. This only reflects on my XXXX report. Upon, further research the debtor could not provide original contract or signatures. There hasn't been no form of communication or contract for this accused debt at all. According to the FCRA, Speedy Cash XXXX has violated my rights as a consumer and I am requesting legal action to remove this debt from my credit report immediately.
|
| 04/03/2017 |
Yes |
|
|
|
Web |
|
|
I obtained my credit report on XXXX/XXXX/2017 and noticed that I had a collection on my account from SpeedyCash. I called the company on XXXX/XXXX/2017 and advised that I did not have a loan from them and not sure how they got my information. I then proceeded to ask them to send me documentation with my signature showing I authorized this account. I was then sent a letter dated XXXX/XXXX/2017 stating that I failed to respond to a letter they sent previously and now the debt has been validated. I was never sent in letters stating that I allegedly had this debt and they failed to send documents with my signatures.
|
| 05/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I am currently receiving collection letters from XXXX XXXX ( collection agency ) on behalf of XXXX XXXX. XXXX XXXX is attempting to collect {$4200.00}. They are claiming the loan was taken out on XX/XX/2018.
This loan was never authorized on my behalf and believe this is a result due to identity theft. I have never taken out a personal loan in the last 11 years of my credit history.
My first attempt i contacted XXXX XXXX to notify them that this collection is fraudulent. They did not want to hear my complaint.
I then made a dispute claim with XXXX but they were not able to successfully close the dispute.
|
| 08/05/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am outraged, I looked at my credit report today to find out that Speedy Cash has reported a fraudulent derogatory mark on my report.
The debt shows opened XX/XX/2019, I have not had any form of a payday loan in 5+ years.
I would also like to note that every payday loan Ive ever had in the last 10 years has been paid off BEFORE the due date.
I have not done any business with Speedy Cash in over 5 years.
This is fraudulent. I called them 4 times requesting validation of this debt for the last 2 months and they have been non responsive!
This is illegal and I demand that this be removed from my report.
|
| 12/25/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
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I sent in a payment in full amount and this creditor refused to take the payment. They have a debt collector who keeps calling me, I tell them yes I am that person and that I refuse to speak with them as I am dealing with the original creditor. One of the representatives told me if that were true he would not be calling my XXXX. My payment was sent back to me not by the original creditor but by the debt collection agency. I have been paying debts for 3 years off my credit. Not once have I been refused by the original agency a payment in full, or been constantly harassed by phone by a debt collection agency.
|
| 12/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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On XXXX XXXX, 2020, AD ASTRA RECOVERY SERVIC add a derogatory marks on my credit reports per XXXX, XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA AD ASTRA RECOVERY SERVIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 11/25/2016 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
The loan that was taken out in my name, was not taken out by me. It is a fraudulent crime. The social security number on the document, the collections company that speedy cash sent my loan to sent me the document of incorrect information used to access the loan, is incorrect. How did speedy cash not make sure the person taking out the loan is actually the person. The social security numbers did n't add up, should 've been a reg flag there. I would like for the loan to be removed from my credit report and for the company, speedy cash, to pay me for the years of bad credit ruining my chances of investments.
|
| 07/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
|
| 07/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 10/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
While trying to repair my credit I noticed a collection from AD Astra Recovery solutions on my credit report. I have never contracted with this company and demand that they cease and desist any further negative reporting on my consumer report. I am refusing to pay this alleged debt as I have no obligation to pay anyone that I did contract with. This company can not produce a signed contract that I have with them as I have never done business with them. I demand the deletion of this account immediately. This company is damaging my credit and attempting to extort me for payment by the negative reporting.
|
| 03/10/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
ad Astra a debt collector for speedy cash tried taking money out of my bank account with out my consent or a courts consent for funds in {$1300.00} and cost my a {$29.00} charge for insufficient funds with XXXX. speedy cash refused payment after one or two missed payments and would not allow a payment plan then sent the debt to ad Astra to which I have nor will have any agreement or arrangement with after this.
Nonsufficient Funds Alert : A transaction resulted in nonsufficient funds to the account below : Date : XX/XX/21 Account ending in : XXXX Transaction amount : {$1300.00} Details : CHECK # XXXX
|
| 08/24/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
OnXX/XX/XXXXtook out an online installment loan through www.speedycash.com in the amount of {$500.00}. Made bi-weekly payments of XXXX through XX/XX/XXXX when I put a stop to all automatic withdrawals. After running a credit report recently, I found I was turned into collections and looked further into www.speedycash.com. False license on their website as I tried to pull up their lender license number for the state of Illinois and did n't find it. Ran through all the speedy cash lenders, and the lender out of KS is 'inactive ' and has been since XX/XX/XXXX. False license on website, false advertising.
|
| 04/28/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
Under Oklahoma law I am eligible for a EPP ( extended payment plan ) for my payday loan with Speedy Cash. ( My bank is XXXX ) Speedy Cash refused an EPP because they said even though Oklahoma XXXX allows unlimited EPP 's their company policy only allows one per year. So, I asked them to hold my loan a week and they refused that as well. The representative advised me to stop payment on the loan then make a payment plan ... .can you imagine?? I 've never stopped payment on anything in my life. If Speedy Cash is n't going to follow Oklahoma Law they should n't be able to operate in the state of Oklahoma.
|
| 12/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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On XX/XX/2020, Ad Astra Recovery Servic add a derogatory marks on my credit reports per XXXX, XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Ad Astra Recovery Servic has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 06/19/2020 |
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
|
|
Web |
|
|
The Debt Collection Company who is Reporting this to my Credit on Speedy Cash 's Account has ReAged this account which is a violation of the Fair Credit Reporting Act.
I've disputed this Item with the 3 Credit Bureaus and because I disputed this account they re-aged this which dropped my Credit Score Dramatically.
I want this Collection Agency Investigated. They are treated this account as a new collection item which it is not. This account is Two Years Old.
To Begin with this company is charging Unfair Interest Rates that are astronomical which is how i got in this position in the first place.
|
| 12/20/2018 |
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
|
|
Web |
|
|
I contacted all three credit bureau via certified mail to have this hard inquiry from XXXX XXXX XXXX XX/XX/18 and XX/XX/18 investigated/ removed from.my credit reports. It has been 30 days and I haven't heard anything about my request, which violates the FCRA laws that protect consumers and States that the bureaus is to report accurate information and respond to disputes in a timely manner. This hard inquiry has affected my credit score and caused me hardship and stress because I was looking to purchase a home for my XXXX kids. I have been denied credit and home loans due to my credit score decrease
|
| 03/02/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
I 've been monitoring my credit report and I noticed that things that supposed to be removed or not removed they 're just replaced back on the credit report even though it has been removed remove means taking off just 3 weeks ago things were supposed to be removed off my account and I still see them then I need an accurate credit report I 'm trying to reestablish credit and I need everybody to report accurately so that I can get this cleared up and move on with my life my credit is important to me and I feel like everybody should report and identify XXXX things just not related to me and remove them
|
| 03/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I received a speedy cash loan for {$600.00} right before the pandemic started. I lost my job and have a family and everything quickly spiraled out of control. Nearly 6 months later or so- I had cash come in and cleared all my really important debts. My speedy cash debt was settled in that. I received a notice that my loan is now seriously delinquent This company has robbed me and taken wayyy more than they were ever truly owed AND I settled the account with them. I am trying so hard to put my credit back in place after covid and this is very hurtful for my family trying to get things back on track.
|
| 02/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
my chapter XXXX bankruptcy was discharged. included in the bankruptcy was a title loan held by speedy cash of Kansas for my XXXX XXXX XXXX. Per the court filings I surrendered the vehicle to the company. Upon discharge of the bankruptcy I have contacted the company and they refuse to take possession of the vehicle and are still demanding payment. I request that speedy cash expeditiously retrieves the vehicle as of receipt and response to the this complaint or be charged ANY AND ALL APPLICABLE STORAGE FEES PAYABLE TO ME AND BE SUBJECT TO ALL REMEDIES AVAILABLE TO ME UNDER FEDERAL AND STATE STATUTES.
|
| 12/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
A fake company called Speedy Cash loans sent me an email on XX/XX/2019 about being approved for a loan up to {$2000.00}!! Kept getting calls from them ( XXXX ) XXXX! I talked to a guy named XXXX with an XXXX accent! He asked me to pay {$50.00} down due to bad credit! Asked me to get a card ... XXXX or XXXX XXXX XXXX after I asked to pay with my credit card! Went to XXXX XX/XX/XXXX and got a {$50.00} XXXX XXXX card! Called back and he asked for {$140.00} more! I finally caught on and told them Im gon na get them for ripping off a XXXX woman! Ive had a lotta credit checks without getting the loans..
|
| 05/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I received a title loan on my car back in XX/XX/2016 for {$100.00} my car got impounded by police after someone else was driving it when I went to get it out the tow yard said I couldn't get it because there was a lien on title from title loan place and they were getting it cause I hadn't paid my loan so I didn't get my car from impound title loan place did and now they are still trying to charge me for it after they took my car to you don't get money and the car I told them they got the car they said no they didn't. B why would I just leave my car and not get it back if I could it makes no sence
|
| 05/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I received a title loan on my car back in XX/XX/2016 for {$100.00} my car got impounded by police after someone else was driving it when I went to get it out the tow yard said I couldn't get it because there was a lien on title from title loan place and they were getting it cause I hadn't paid my loan so I didn't get my car from impound title loan place did and now they are still trying to charge me for it after they took my car to you don't get money and the car I told them they got the car they said no they didn't. B why would I just leave my car and not get it back if I could it makes no sence
|
| 11/07/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I let Speedy Cash know that I am in a hardship situation at the moment and I can not afford the payment at the moment. They keep trying to take different amounts of money out of my personal bank account almost everyday until I had to finally block them. I do not have any money in the account and XXXX XXXX XXXX keeps charging me {$35.00} NFS fee each time they continue to do this. Then they continue to calling me and harrrassing me every day while I'm trying to work. I don't know what else to do about this horrific situation and it's affecting my work performance and making my supervisor annoyed.
|
| 01/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have had two previous loans with Speedy cash with have been paid in full, Ad Adstra is stating that I still have a balance with them. There is an account with Ad Adstra showing on my credit report in the amount of {$1400.00}. I do not have a contract with Ad adstra/Speedy Cash. am not liable for this collection or responsible for this debt. I have requested proof of this debt from The credit bureau and Ad Adstra.I was never sent any proof validating this debt even though I have requested it, I have been trying to resolve this matter since XXXX. I hope you can assist me to resolve this matter.
|
| 08/21/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX, XXXX was collecting money on the behalf of Rapid Cash. They turn this account over to XXXX, XXXX XXXX XXXX XXXX. The account has been paid in full ( {$2600.00} ) File # XXXX on XX/XX/2018. I have checked my XXXX credit report and this company XXXX XXXX XXXX XXXX XXXX XXXX name is on my credit report still reporting a balance of {$110.00} when it has clearly been satisfied. I have a letter from the above attorney office which states the debt has been satisfied. This incorrect reporting of inaccurate information need to be removed immediately from all three credit bureaus.
|
| 04/14/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This account does not belong to me. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. HOWEVER they send bills that bluntly have the last XXXX digits of someone else 's social security number. This account is not mine. I have been disputing it with the credit bureaus and company since XXXX and no one can show me proof that it belongs to me. I sent proof the account Is not mine to the XXXX bureaus and they still wo n't remove the account. Please help me remove this account especially now that it is reporting negative.
|
| 02/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
I, XXXX XXXX entered into a consumer credit transaction with Speedy Cash finance on XX/XX/2018. A consumer credit transaction is as transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges I was not expecting a bill. I have been receiving bills from Speed Cash since XXXX which is a violation of 15 usc 1692b. Also, I sent them a certified letter in the mail, stating I wanted them cease and desist. They have received my letter on XXXX XXXX according to the stamp but have still got a withdraw out of my account from them on XXXX XXXX.
|
| 11/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.
I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AD ASTRA RECOVERY SERV. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Below are the accounts that are reporting on my Credit Reports : 1. AD ASTRA RECOVERY SERV XXXX Opened XX/XX/2019 Balance {$850.00} ; 2. AD ASTRA RECOVERY SERV XXXX Opened XX/XX/2019 Balance {$210.00} ;
|
| 03/05/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX XXXX has been trying to collect a Debt that has been paid in full. They also have entered the information on my credit bureau file showing i still owe the debt with a negative entry. I never received any communication from the original creditor that I still owe this debt. This debt with Speedy Cash ( the original creditor ) has been paid in full. Speedy Cash is evening emailing me on a daily basis to let me know that I can be approved for another loan with their company. I also have screen shots showing that I have no loans outstanding and that my account is paid in full.
|
| 07/18/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX has damaged my credit and defamed my credit by doing the following : 1. Did not send me proper validation when I requested, proving that I owe the alleged debt and that they have a contractual obligation between myself and this company, proving that they have the right to collect on this alleged debt, on the behalf of the original creditor.
2. They had violated my rights under the FDCPA 809 ( b ) : Collectors that have not validated your debt, but they still continue to report to the credit bureaus, which is punishable by up to {$1000.00} for each proven violation.
|
| 11/09/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX of 2020, I was struggling as many others did, and took advantage of the predatory practices of payday lending. I received {$750.00} from this payday lender. I paid the debt off in full, the following month for {$860.00}. I never gave it a second thought, until Ad Astra reported a whopping {$2400.00}. I have disputed this with all of the bureaus and even tried to contact Ad Astra but never got a hold of them. I paid this in full, long before it was ever sold to this despicable company. It has HARMED me in so many ways, I don't think I have enough space here to truly convey it.
|
| 05/05/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Hello, as a result of the COVID-19 epidemic, this payday advance loan from Speedy Cash went into default in XXXX. The account was placed in collection, and this writer agreed to pay a lower sum than the posted amount due in exchange for the customer 's release from any further financial obligations with Speedy Cash.
Now, two and a half years later, in the month of XX/XX/XXXX, we received a letter from a corporation called Ad Astra Recovery Services , Inc., situated in XXXX, Kansas, claiming we owe a balance of {$1700.00} and if left unpaid, will be reported to the credit agencies.
|
| 05/05/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Hello, as a result of the COVID-19 epidemic, this payday advance loan from Speedy Cash went into default in XXXX. The account was placed in collection, and this writer agreed to pay a lower sum than the posted amount due in exchange for the customer 's release from any further financial obligations with Speedy Cash.
Now, two and a half years later, in the month of XX/XX/XXXX, we received a letter from a corporation called Ad Astra Recovery Services , Inc., situated in XXXX, Kansas, claiming we owe a balance of {$1700.00} and if left unpaid, will be reported to the credit agencies.
|
| 11/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I asked for a loan on Speedy Cash service. And I got several emails from who I thought was Speedy Cash. I paid to an XXXX XXXX and XXXX XXXX an amount of XXXX dollars. With my debit card. And I come to find out later that It was a scam. Its been already 4 months since I filled this complaint. And I havent had an answer and I still owe speedy cash that amount. But I am not going to pay again for an amount I paid. The scammers were good, they sent my price of payment and that they were indeed from speedy cash. They first filed the complaint on XX/XX/XXXX.
This was the email XXXX XXXX
|
| 07/23/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The company in question is XXXX. XXXX XXXX XXXX. I had to delinquent accounts with them and back on XX/XX/XXXX of 2020 I called them to see if I could make a deal on paying the debt. We had agreed on a recorded line for a pay and Delete. We agreed to roll both accounts into one lump sum. After crunching the numbers they gave me 50 % discount and agreed to delete the accounts within 30 to 45 days. Almost 2 months later when the accounts were still showing on my credit report I called them back. And they stated they did not do pay and deletes. They clearly lied to me to get my money
|
| 06/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A change on my credit report came in under XXXX ... Origional creditor was speedy cash and it was open in XX/XX/XXXX. I have not had a single payday loan since XXXX from anywhere. However my ex has been pulling random loans including a student loan in my name. I sincerely believe this is an act of fraud and do not have ownership or knowledge of this account. I also live in Utah and have lived in Utah since XXXX where most places will not allow online loans in Utah for some reason. The last loan I did was a title loan from XXXX XXXX XXXX and it has been paid back in full since then.
|
| 08/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I respectfully request your offices provide me with competent evidence that I have ANY legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to ANY of the 3 credit reporting agencies ( XXXX XXXX and or XXXX ) this action may constitute fraud under Federal and State Laws. Due to this fact, if any negative marks are found on ANY of my credit reports by your company that you represent, I need them removed from all 3 credit reporting agencies. I also need documentation stating you removed the item from my reports.
|
| 07/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have contacted SpeedyCash on several occasions asking for information regarding the {$310.00} that is sitting on my credit. I have not applied for any type of loan or recieved any loan from this company. I have asked that information in writing be sent to me either via email or postal. I asked for the account information or even the bank name the money was deposited into. I was told the loan was done online! How can you verify someone online? Their customer service will NOT provide me with any information so that I can even dispute this properly, I keep getting the run around.
|
| 07/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have contacted SpeedyCash on several occasions asking for information regarding the {$310.00} that is sitting on my credit. I have not applied for any type of loan or recieved any loan from this company. I have asked that information in writing be sent to me either via email or postal. I asked for the account information or even the bank name the money was deposited into. I was told the loan was done online! How can you verify someone online? Their customer service will NOT provide me with any information so that I can even dispute this properly, I keep getting the run around.
|
| 04/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This company kept renewing the loan instead of letting me pay off causing continuous financial hardship. When I asked for a payment plan so the payments would go towards payoff due to paying for so long they said I could gave one because I was not in default or collections. I defaulted on purpose due what was told to me so the drafts would stop and I hoped to get a payment plan. However, they would not work with me and have been unfairly reporting this as an active late account every single month which has caused me to be denied financing for a home. This is abusive and unfair!!
|
| 04/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This company kept renewing the loan instead of letting me pay off causing continuous financial hardship. When I asked for a payment plan so the payments would go towards payoff due to paying for so long they said I could gave one because I was not in default or collections. I defaulted on purpose due what was told to me so the drafts would stop and I hoped to get a payment plan. However, they would not work with me and have been unfairly reporting this as an active late account every single month which has caused me to be denied financing for a home. This is abusive and unfair!!
|
| 11/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
|
I took out a {$300.00} payday loan in 2018. I had no idea that the interest rate would put the amount owed to almost {$2000.00}. I can make arrangements to make payments on the amount that I borrowed but the extra {$1500.00}, is impossible for me to pay. I am a XXXX XXXX XXXX XXXX veteran who is XXXX XXXX XXXX XXXX so being on a fixed income, this extra is impossible and seems to be illegal. Isnt there a cap on the amount of interest a company can charge. Help me please. The originator of the loan was Speedy cash now XXXX XXXX has taken over. Any help is appreciated. Thank you
|
| 01/06/2017 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
This company Speedy Cash. Sends repeated threatening email to my work email. This is how they are communicating to me. This company also has put this on my credit report and is negatively hurting my credit history. Emails are coming from random people with oulook accounts stating, they will contact my employer so they can take action against me. There are threatening to sue me and have different amounts to pay on each email. This is a fradualent company who terrorizes ppl. I have told them to STOP contacting me at my workplace which is a violation. I have the emails for review.
|
| 07/07/2023 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I had ran into hard times about 4/5 months ago first heritage told me they would settle for XXXX at the time I didnt have it the manager told me that I can continue paying the amount the monthly amount of {$110.00} and I been doing so I looked over my credit report First heritage have a XXXX balance with XXXX and Im not understanding how you reported my balance and still taking money for the account I just paid on this account on XX/XX/2023 if First heritage reports XXXX and close account by law they can not get money on this account and should be deleted off my credit report
|
| 04/04/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Today I received notice via XXXX - XXXX XXXX and XXXX that there is an alert or collection from Ad Astra - Speedy Cash of a collection Acct in the amount of XXXX dated XX/XX/2021 - Ive reported this to Ad Astra - Speedy Cash - via email - registered mail and my attorney XXXX XXXX - No one could verify my info - I filed an FTC affidavit online today as well w My IDs I received NO NOTICE - no call - no mail or email of any type - I reported this to the XXXX XXXX PD Id theft unit today as well - Theres no Acct number or any other verifying data Delete this fraud Acct immediately
|
| 04/04/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
Today I received notice via XXXX - XXXX XXXX and XXXX that there is an alert or collection from Ad Astra - Speedy Cash of a collection Acct in the amount of XXXX dated XX/XX/2021 - Ive reported this to Ad Astra - Speedy Cash - via email - registered mail and my attorney XXXX XXXX - No one could verify my info - I filed an FTC affidavit online today as well w My IDs I received NO NOTICE - no call - no mail or email of any type - I reported this to the XXXX XXXX PD Id theft unit today as well - Theres no Acct number or any other verifying data Delete this fraud Acct immediately
|
| 12/13/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Ad XXXX XXXX has violated my rights according to 15 U.S.C 1692g- Validation of debts section ( a ) Notice of debt Contents, also 15 U.S.C 1692g- Validation of debt section ( B ) Disputed debts. I am disputing XXXX accounts. Account number XXXX. I sent my dispute letter XXXX XXXX certified mail tracking number XXXX it was delivered XX/XX/2022. I did not receive any return mail within XXXX business days after received my dispute to acknowledge that their company has received my dispute and or working to investigate it. Nor did I receive any documentation as to verify the debt.
|
| 07/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I received a certified mail was received on XX/XX/22 by XXXX XXXX XXXX XXXX requesting validation of debt. They responded with medical records, a Direct violation of HIPPA regulations. Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVER signed a HIPAA form authorizing access to such medical record. In accordance with Fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
|
| 08/12/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
this company produced a fake check and ran it through my banking account for {$910.00} on XX/XX/21. Ive never been contacted by this company much less taken to court. I reached out to them when i was fixing my credit we could not come to an agreement so i left it alone. My bank seen that it was fradulent and returned the money back. Now they are reporting negative remarks every month they are bullying me. When they did the fake check thing i called and said that was illegal the lady was very shady and wouldnt give her name only her intials please help this cant be acceptable
|
| 04/08/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
ACCOUNT WAS SENT OVER TO COLLECTION AGENCY ASTRA RECOVERY SERVICE ON XX/XX/XXXX BUT THE DEBT WAS PAID XX/XX/XXXX IN FULL. I WAS TOLD BACK IN XX/XX/XXXX THAT THE DEBT WOULD BE DELETED. I REACHED OUT IN IN XX/XX/XXXX TO BE TOLD TO SEND OVER A LETTER AND THEN 30 DAYS LETTER IT WOULD DELETED. I CALLED BACK XX/XX/XXXX AND NOTHING HAPPENED. THEN I TRIED AGAIN IN XX/XX/XXXX ONLY TO BE TOLD TO NO DISPUTE WITH THE CREDIT BUREAU TO SEND OVER ANOTHER LETTER. WE ARE IN XX/XX/XXXX AND THIS FILE HAS NOT BEEN DELETED. I AM TRYING TO PURCHASE A HOME AND THIS IS HOLDING ME BACK. PLEASE HLEP.
|
| 03/11/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
I spoke to a supervisor over an hour and made payment arrangements, of which i have just paid off entire loan XX/XX/XXXX and i just logged into their site to check my account and find out their records show that im in default after i paid it off!!!
and prior to that i had received a call from them saying i missed my first payment as well. and i spoke to a supervisor as well. THEY ARE STRAIGHT OUT LYING AND RUINING MY CREDIT AFTER LOAN WAS PAID OFF TO!!!!! ASAP THEY ; ARE FRAUDULENTLY DISCRIMINATING AGAINST CUSTOMERS THAT PAID OFF THEIR LOANS!!!! PLEASE INVESTIGATE ASAP>>>>>
|
| 10/21/2015 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
The issue I was not notified in writing of this debt dated XXXX/XXXX/2013 until I reviewed my credit report and sent notice of dispute to XXXX XXXX XXXX XXXX. I made several attempts to call, spoke with XXXX and XXXX whom kept hanging up on me while asking to speak with a supervisor. They kept saying to submit a request in writing which I had and they saw it in their system. I called back and finally spoke with XXXX the ( supervisor ) whom also stated I needed to submit again in writing my request. I mention to her i did and she kept aying submit in writing and then hung up.
|
| 04/07/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
the company ran my credit report multiple times, unauthorized, resulting in several credit inquiries on my credit report damaging my credit standing/score. i have contacted the company via certified letter requesting removal or proof in the very least. they replied without proof and with no resolution. I then called the company and got more of same and bounced around to several departments with no luck. i then contacted XXXX by phone ( tried an online dispute with them prior to this ) where the inquiries were generated and they informed me that they do not dispute inquiries.
|
| 09/20/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
i originally signed a contract XX/XX/2019 with speedycash account number XXXX I didnt sign a contract with ad astra recovery amount {$1000.00} consumer reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information recieved from other resources .the collection account is also reporting open i have a right to a accurate credit report please remove this account immediately from my credit report and provide me a copy reflecting this account is removed
|
| 03/08/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I had filed a previous complaint and listed it as wrong original creditor they werent Speedy Cash but this one is the complaint for other one is the same its some 12 loan company which I dont know who they are that complaint is XXXX. This complaint is about Speedy Cash. I attempted to clear this matter with them by filing a dispute through Transunion and then they said it meets FCRA. I havent been contacted by them even when I disputed this matter and never given proof of what it is I owe and why. I have never been sent any communication and it keeps appearing on my credit.
|
| 02/19/2017 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
Nearly seven years ago I received a collection letter from speedy cash. I paid this loan in full and never received the credit. To this day it remains on my credit as a collection / default and provents me from leading a normal life when it comes to banking. After several civil requests for proof that the debt is still outstanding I was told that they are not required to provide proof and only want the debt paid again plus penalties before they consider removing. The amount I paid was the loan amount plus nearly XXXX percent interest and now they want another XXXX percent?
|
| 07/28/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
Galt Ventures / Speedycash Garnished my check today XX/XX/XXXX for a debt discharged in chapter XXXX Bankruptcy.
The debt is for {$840.00} and they garnished my check for {$480.00} Certificate of notice by the XXXX District of Washington was sent to the creditor on XX/XX/XXXX.
I have contacted XXXX as well as the Law Office handling the garnishment last week as well as today. XXXX is refusing to help and the law office, XXXX XXXX XXXX, notified me via phone on XX/XX/XXXX that they acknowledged the bankruptcy and would stop the garnishment. That has yet to happen
|
| 07/13/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Older American |
|
Speedy cash XXXX called in XX/XX/XXXX regarding a loan in my son XXXX XXXX XXXX name. My son is XXXX and has been in XXXX XXXX for 12 years. He has no job or bank accounts. This was determined to be fraud on XX/XX/XXXX and XXXX removed the fraudulent account and fraudulent job ( see attached letter ).
On XX/XX/XXXX I received a call from a collection agency ( XXXX Account # XXXX ) regarding a XXXX XXXX XXXX ( same dates and same amounts ). I told them it was fraudulent and my son is in XXXX XXXX. They said they would go to the XXXX XXXX XXXXnd take him to court.
|
| 03/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
Speedy cash approve me for a loan of XXXX $ on XX/XX/2021. Received my money in my checking account I then received an email this morning XX/XX/2021 saying I was approved for XXXX. It had speedy cash logo they said they were approved by the XXXX, cfpd, and the Fdi. I decided to give speedy cash a call to see if this was legit they said this was 100 % fraud. They have a completely different number than that of speedy cash I have documented proof of all of this and I wouldnt want anyone to fall for this scam. I also sent all the proof to the real speedy cash company.
|
| 01/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Ad astract recovery/ speedy cash XXXX, 2017 amount {$1200.00}. I have soken to them the debt was paid and was told it can take 30 days to remove. 2 years later and it still appears on my credit report, i have filed two disputes and have got no response to what should be correcting this and removing it. This is incorrect and not right i have to continue with dealing with this. Specially around this time, with covid19 loss of wages and having my credit this way has given me minimum availability in things i can do. Please look in to this. I would really appreciate it
|
| 04/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I took a loan in the amount of {$750.00} dollars. I have already paid {$1300.00}, but have run into a financial hardship. Negotiations with the company have not amounted to anything. I am very frustrated that they are demanding the payoff in the amount over {$1500.00}. Every time I try to contact the company I do not get any information. Now when I log onto the site, I am no longer able to view my loan documents. I want to offer the Speedy Cash a settlement offer in the amount of {$250.00} which will bring the total amount paid on the loan to well over {$1500.00}.
|
| 04/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
I have been the victim of identity theft & as per my credit report for multiple {$300.00} pay day loans since XX/XX/XXXX. I just learned about this today after checking my credit report XX/XX/XXXX. I DID NOT take out nor apply for any pay day loans in person or online. I have not used my credit for the past 3 years & that has been intentional on my part, because I had no reason to do so. I have spoken with the original creditor & was informed to complete all steps given to me by the third party collection agency who in turn would investigate this matter futher.
|
| 06/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter dated XX/XX/18 from XXXX XXXX XXXX XXXX , XXXX. stating that I owed " Speedy Cash '' a debt in amount of {$890.00}. I've never heard of either company, never have or have had accounts with either. I called XXXX XXXX and discussed the matter with a representative who suggested that this was due to identity theft, and that I should contact the Federal Trade Commission. The debt is now listed in my credit report ( the XXXX XXXX representative indicated that it had been ). I did report this to the FTC, which referred me to here I believe it was.
|
| 06/03/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I borrowed {$480.00} and now I 'm expected to pay back quadruple that amount.
i.e. : XXXX from XX/XX/2016 until XXXX 2016 I 'm XXXX, on a fixed income, this is PREDATORY LENDING at it 's finest.
WHO IS MAKING ALL THAT INTEREST ON THIS MONEY! IT 'S REALLY A SHAME BEFORE GOD!!!
Also while checking for the link to try and pay off early, it 's not there, but I did discover there was another loan pending online there, ONE ; I DID NOT APPLY FOR, but NOW, IT 'S GONE! I SCREENED SHOT A COPY TO ATTACH TO THIS COMPLAINT!
I do believe someone is committing FRAUD!!!
|
| 09/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
AD Astra Recovery Service Has but a Collection on my credit report that is not valid. I have disputed this and called the company. They claim they are a debt recovery company, and the debt I owe is from a SpeedyCash.com. This is not my account, and I have repeatedly requested copies of a contract with my signature. They can not provide this. This is hurting my credit, and I have been trying to purchase a home. Please assist. They claim I owe {$1300.00}. All my other accounts are all paid and on time. If this was actually my account, I would pay it. Thank you.
|
| 10/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
|
| 05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
|
| 01/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
|
I understand that there is a law that states payday loan companies are not allowed to report an account in collections on your credit report. AD Astra Recovery is the company that has the collection listed on my credit report. The original creditor is Speedy Cash, which is a payday loan company.
I have never received any communication from AD Astra regarding this account. They posted this as a collection account on my credit report in 2021.I recently learned about the law that states a payday company can not list a collection account on your credit report.
|
| 11/04/2015 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
I bank with XXXX XXXX XXXX in XXXX California. I recently took out a loan with Speedy Cash. I sent an email to Speedy Cash on XXXX XXXX, 2015 requesting that they stop all ACH withdrawals immediately. They ignored that request and debited my account for {$250.00}. I was in the process of making small weekly or bi-weekly payments to them. I had even spoke to them on the phone. They had agreed to stop ACH withdrawals and then went ahead and did. It is my understanding that once a request is made to end ACH withdrawals, a lender must comply with that request.
|
| 12/20/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hi this account with AD ASTRA RECOVERY SE was removed from my XXXX XXXX report based on online fraud this account was obtained under false pretense online with this company. I did not open this account and provided no information to this company please remove this account from my credit report.
XXXX XXXX this account was obtained by phone or online under false pretense i did not open this account and use services related to this company this account was removed from my XXXX XXXX account based on fraud please remove this account from my credit report.
|
| 03/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
XX/XX/2022 I applied got approved and sign loan disclosure for a {$250.00} loan. Everything cleared got approved and selected instant fund. Call to ask why the funds didn't clear and was told loan is being withdrawn bc of a previous loan. I paid off previous loan years ago and closed it. I was approved and signed loan disclosure showing XXXX payment set up and everything selected find to be deposited on my card. XXXX was approved then I called they removed the loan totally as if it never happened no denial nothing was told my loan was removed rhats all
|
| 03/07/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Original loan was XXXX, this loan is to old to be showing on my report as date of loan was XX/XX/2014, due to length loan has been on report and fact the company has transferred this account to another credit reporting company. The original date of loan is now showing current date. This isnt the original creditor so the information is being reported as delinquent when in fact original debt should be removed from report and credit reporting agency is reporting fraudulent information to show negative remarks when in fact this account should be deleted
|
| 11/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I renewed a payday loan with a company in Colorado called Speedy Cash. The payday loan agreement clearly stated the terms of the loan were to be a total of 4 monthly payments in the amount of XXXX, starting on the XX/XX/XXXXand ending XX/XX/XXXX. In XXXX they debited XXXX 3 times and XXXX 1 time for a total of {$470.00}. The only transaction that should have happened was XXXX ONE TIME until XXXX. This seems illegal and predatory. They clearly violated the terms of the loan. Now I'm having to work with the bank and the company to clarify the errors.
|
| 05/17/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received emails from the following ; XXXXXXXX XXXX, XXXX, XXXX, XXXX.
I gave {$350.00} to the email XXXX XXXX, in form of XXXX XXXX XXXX purchased at my local XXXX. I thought it was going towards my debt, but it was just a scam.
I also gave {$300.00} to the email XXXX, because I thought it was going towards my debt.
But when I kept receiving different emails, I called the company I borrowed from, and they told me it was bit them.
So please be aware of the following emails.
I have the emails to prove how they harass you and threaten you!
|
| 09/24/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
someone took out a speedy cash loan out with my social security number but the loan is in a different name it's not my name but its my social security number the account is not mine I never took out any payday loans. i called the company and tried to dispute this but they are giving me a hard time, they tell me its not my name it's under but its my social. this is ruining my credit for something that doesn't belong to me and I want this company to fix it immediately and be accountable for their mistake in not obtaining proof when giving out loans
|
| 09/23/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I received an email from agent XXXX XXXX from XXXXXXXX XXXX XXXX threatening me to be given a warrant for my arrest concerning a debt collection for Speedys Cash Loans. This loan is not on my credit report and I have not received any official documentation for this through regular mail. My mom receives any mail for me concerning important documentation through her home address. I also have my own address and I havent received any mail concerning this debt. For the most part, it is not my credit report and I need to see if this collector is legit.
|
| 08/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/19 I applied online at Speedy Cash to get an installment loan. I received and signed paperwork online stating that I would pay payments from every check in the amount of {$120.00} starting XX/XX/XXXX. I was told that I would receive {$450.00} and I did in store. I was told payments were for a year and I was going to pay almost {$1600.00} for borrowing {$450.00}. When I went in person I was told in person that year of payments was only covering interest and I would still owe the principal on the loan. The interest is 677 %. Is this legal?
|
| 06/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This company is reporting a collections account on my credit report to the credit bureaus. I have not received any written notification from this company to allow me the time to verify the accuracy of this debt and therefore they have violated my right to a 30 day timeframe to dispute.
I sent a request to the credit bureaus stating this and this company responded to the credit bureau that the debt was valid.
They are not willing to cooperate and follow due process therefore causing me much stress and harm to my otherwise clean credit report.
|
| 07/22/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
|
| 05/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have already attempted to contact Ad Astra, XXXX, and XXXX about this account.
1. Date opened is inaccurate.
2. XXXX did not disclose their methods on how they investigated this item on my credit report. Info is inaccurate.
3. XXXX did not disclose their methods on how they investigated this item on my credit report. Info is inaccurate.
4. Ad Astra is " Re-Aging '' this account on my credit report every month. Im attaching a copy of my last 3 credit reports to show the FCRA violation that XXXX and XXXX is allowing AS AStra to commit.
|
| 02/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello I was a victim of fraud and several accounts were opened in my name. They just so happen to be medical bills, hospital bills and phone bills. I have submitted these documents to the collection agency and the credit bureaus. Both have continued reporting the fraud accounts on my reports. The collection agencies have refused to provide proof and continue to harass me by continue to report false information on my credit report. Please looking into this and I will provide documents and the list of collection agencies who continues to do this.
|
| 02/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I requested a block for these fraudulent accounts UNDER THE 605 FRCA LAW.. The fraudulent accounts were removed from my credit report and recently back opened without method of verification and XXXX the fraudulent information to my credit report. I sent letters to the XXXX credit bureau in the creditors reporting the fraudulent information.I want this fraudulent information blocked from my credit report within XXXX days under the fcra 605 law and the method of verification for the fraudulent accounts reporting under the FRCA609,611,605 Law act.
|
| 06/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
This company gave me a short term loan and while paying this loan back unauthorized payment amounts have been taken from my account while my account balance remains the same and never reflects the new amount after payments were taken from my account. My bank will not stop the payment and I have repeatedly asked this company to cease and desist collections until the issue with my balance due is resolved. This company has since continued to take payments and my accounts past balance has not reflected ANY of the payments received by this company.
|
| 10/13/2016 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
I could not get Speedy Cash to stop taking payments out of by bank account using my debit card. I called them, I wrote them. I tried to set up payments. I told my bank to not authorize any more payments. Did n't help. Finally I had to shut down all my accounts at my bank and go to another bank.
I could not believe it when I when, at my new bank, Speedy Cash withdrew {$100.00}, the next day {$60.00}.
I have no idea what that amount is for. I 'm disputing the charges Can you help me?
Do I have any rights?
So grateful for any help.
XXXX XXXX
|
| 03/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Speedy Cash 3 inaccurate account balance {$5900.00}.
5 payday advance loans issued and paid as follows in 2019 : XX/XX/XXXX - {$250.00} loan XX/XX/XXXX - {$300.00} paid XX/XX/XXXX {$250.00} loan XX/XX/XXXX - {$300.00} paid XX/XX/XXXX - {$250.00} loan XXXX XXXX - {$300.00} paid XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$250.00} loan XX/XX/XXXX - {$300.00} paid ( check ) full price for 2 weeks Credit reporting shows none of the above. Please add to credit report. Please correct and update balance due to {$0.00} on Speedy 3 balance of {$5900.00}.
|
| 05/07/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Emailed by someone named XXXX XXXX presenting themselves as an attorney for Speedy cash service department of payday loan. They state that I will be legally prosecuted in the Court House within a couple of days. My supposed charges are : UNITED LEGAL INVESTIGATION BUREAU HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER They also state that my 'case ' is under investigtation with major credit bureaus.
|
| 11/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
When I signed on with Speedy Cash, I was in the throes of my XXXX to XXXX. I had trouble paying it off because I 7 other payday loans out there. I never received my loss suit papers because I was in jail for 145 days. Two weeks ago I got a garnishment order from my employer. I don't think this right for them to garnish {$250.00} out of every paycheck. Or is it? This loan was taken out in XXXX of 2018 and they never sent me one bill reminding me of my obligations to them. I need that money to live on because I am on a fixed income due XXXX
|
| 07/24/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I got an email last night stating that if they dont hear from me in 48 hours, they were going to take legal action towards me. In the email they stated that the XXXX XXXX XXXX XXXX HAS STATED 4 SERIOUS ALLEGATIONS AGAINST YOU AND THEY ARE : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER.
They stated that they have all right to report to the FTC, my employer and bank about the fraud. I sent this email to my bankruptcy lawyer and Speedy cash was discharged.
|
| 07/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I got a {$2600.00} loan through Avio Credit in XXXX of XXXX. Since then, I have religiously paid the XXXX dollar fee. Since it is almost XXXX of XXXX it may surprise you to learn that I still owe $ 2400+ ( it certainly surprised me ). As of XXXX we moved to Missouri due to my father 's poor health and as such, my SSI benefits due to XXXX XXXX were cut almost in half making the act of making those efforts almost a Herculean task. I have looked for relief and everyone I have spoken to says that it sounds like predatory lending. Help, please.
|
| 05/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
AD Astra Recovery Service # XXXX is reporting to the credit bureau, XXXX inaccurate information under my name. Reporting resumed even after I received no response to a letter I sent them XX/XX/2021, asking them to verify the validity of the debt. AD Astra Recovery Service is reporting an inaccurate collection account in the amount of XXXX as an open account on my credit report to XXXX. I asked them in my letter to delete the inaccurate collection account from my credit report in which they did not. This violates my rights as a consumer.
|
| 02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
There is a mark on my credit report showing I'm in default for a loan from a XXXX, Oregon speedy cash in XX/XX/2019, this is impossible I was not even in the state of Oregon. I have disputed a similar inquiry from them last year and was able to prove it was fraudulent, this remark was removed. Now it is back again. I believe my identification is fraudulently being used by someone else.
My wallet and ID were stolen almost 5 years ago and never recovered.
I have never been to a speedy cash ever. Please help, I don't know how to fix this.
|
| 02/19/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was contacted by XXXX XXXX XXXX, whom represented Speedy Cash of Texas, they were collecting a debt. We reached an agreeable amount for me to pay monthly for 4 months to settle the debt. I have a settlement letter stating that I paid this debt. However, XXXX XXXX XXXX was not the original third party collector and not the most current but still contacted me as a collector. XXXX XXXX, aka Speedy Cash hired XXXX XXXX XXXX.
This negative blemish should be removed from my report. It is stopping me from reestablishing a good credit rating.
|
| 06/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XX/XX/2012 I received notification of a late payment for a payday loan that was opened online. However, this account was opened fraudently and I called the company to explain. I even faxed them a copy of the police report during this time. It is still listed on my report and Ive continued to dispute this through the company and all 3 credit bureaus but it still remains on my credit report. I recently sent a validation letter to them so that they can validate this information but it has been 30 days and still no response from the company.
|
| 11/01/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Speedy Cash stopped the payday loans and changed to the installment loans which are more expensive. They told me that Mississippi doesnt allow payment plans. If your payment is due on a certain day they could move it up by 4 days but it doesnt help if that 4th day is not a payday. I have paid so many overdraft and bank fees until I feel ashame and stupid. I needed the money but once you get it its hard to get rid of it. I dont understand whats hard about reasonable payment arrangements. Your 4 day extension is not realistic to customers.
|
| 05/19/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I was the victim of ID Theft on XXXX XXXX, XXXX. The FTC ID Theft Affidavit ( # XXXX ), XXXX County Sheriffs Incident report ( # XXXX ) and all ID Documents were sent to the loan company, and they agreed to remove the Hard Inquiry from my report. This has NOT been done. I have made countless calls to the Speedy Cash/XXXX XXXX, and XXXX with no results. The other loan companies and credit reporting agencies have cooperated fully, and quickly. The hard inquiries were removed by late XXXX XXXX. This is the lone problem on any of my reports.
|
| 10/20/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I went online and expected to get a general payday loan! I was out of work and contacted them to see if they had a hardship program! They stated they did not! Not only that but they informed me my loan was an open end loan, I didnt even know what that was until I gioggled it! I dont want a loan that doesnt end!
I have made payments to resolve this but am only paying off interest! I honestly didnt realize what I applied for!
I thought there would be a cap or a end and I would be able to make a payment arrangement to pay off the loan!
|
| 03/09/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I have been made aware that someone got a payday loan in my name using my birthdate social security number and I wasnt aware of this still I starting receiving invoices in the mail that it was being paid by someone and then I was aware that I needed to take action and I called the payday loan place and told them this wasnt me and that someone was using my information for this loan and they said that it was being paid but couldnt tell me anything other then that and that they would report this as fraud and they would close the account.
|
| 04/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I took out the loan in late 2019 ( XXXX ) in the amount of {$800.00}. Since then I have paid {$190.00} every two weeks for a total of over {$2300.00} to this lender and now I find out that I will have a balloon payment of {$900.00} at the end of the term. I was not informed of this at the time of origination of the loan and would not have agreed to this. I have more than paid back the money borrowed, several times over and ask to be released from this debt immediately. This type of predatory lending is unethical and should be illegal.
|
| 06/01/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
Good afternoon. I have a current installment loan for {$1400.00} with speedy cash and I am trying to set up a payment agreement with them for XXXX every two weeks totaling {$160.00} a month to pay off principal amount because I am going through a hardship right now and I can not afford this high interest loan with only XXXX going toward principal to get it paid off. I tried contacting them and sending an email to corporate, no one has responded. Please, I am trying to pay them back to get this paid in full what I owe them. Thank you!
|
| 11/04/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
I have used both Avio Credit and Speedy Cash in XXXX. I was paying on time for almost a year until XX/XX/XXXX, my work hours was cut due to Covid-19. I can not afford to pay both online payday loans at the time. How did I go from owing {$700.00} to {$1900.00} just like that?
It's already bad they charged very high interest rates.
Now a collection company named Ad Astra Recovery Services are reporting on my credit report for both companies. Im a Virginia resident. Online payday loans are not legal especially due to the high rates.
|
| 07/12/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Per document sent XX/XX/2022. I XXXX XXXX did not ask for any validation of any debt nor did I request the alledged contract. The document was that Ad Astra Recovery services infringed on my rights to privacy with no consent from me XXXX XXXX. Again please read the notice fully and about rights to privacy and UCC9 -109. Your in clear violation of privacy and privity to contract and if you continue to disregard this matter you will have to settle this in arbitration. Please forward this letter to your Registered Agent for services.
|
| 11/04/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
I have used both Avio Credit and XXXX XXXX in XXXX. I was paying on time for almost a year until XX/XX/XXXX, my work hours was cut due to Covid-19. I can not afford to pay both online payday loans at the time. How did I go from owing {$700.00} to {$1900.00} just like that?
It's already bad they charged very high interest rates.
Now a collection company named Ad Astra Recovery Services are reporting on my credit report for both companies. Im a Virginia resident. Online payday loans are not legal especially due to the high rates.
|
| 06/16/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
BEWARE OF SPEEDY CASH IN KANSAS! THEY ARE SCAMMER AND LIARS!!
I have paid over {$2500.00} on a loan for {$990.00}. I was told this would be for six months at 30 % interest on two separate occasions.
Today, I requested a stop payment to Speedy Cash for the ACH transaction. However, it is quite difficult since the payment amounts change each two weeks.
I have paid {$250.00} a month since XXXX 2015 .... It has now been 10 months.
I was scammed! Ripped Off! Lied to .... and so disappointing. They owe me at least {$800.00}.
|
| 11/23/2015 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
We were late with XXXX payment and Speedy Cash hit our bank account for XXXX without notifying us. This caused major problems with our bank account. XXXX of our credit card account payments bounced and created a bad mark on our credit and we were in the process of qualifying for a house. That made us not qualify for the house and we are having to start over. Also we found out that Speedy Cash sold our phone number to other loan places and we were getting many calls from other loan companies. We had to change our phone numbers.
|
| 02/02/2016 |
Yes |
|
|
|
Web |
|
|
Looking to fix my credit, request a validation of the account lender sold the account to other agency and keep reporting to my credit making damage to my credit.
I am looking to purchase a home and they collection agencies keep placing back on my credit after the request is being review and removed from my credit.
know, I have harassment charges with legal notice on a e mail I never provided.
I never provided my personal e-mail to be shared with any agencies.
Call at my house, cell phone and late calls pass XXXX XXXX
|
| 06/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt was written off, therefore the merchant received a credit for it and it makes me no longer responsible for it. It was sold to XXXX XXXX which is illegal and experian will not remove it from my report. The amount is $ XXXX would like a copy of the original contract with my signature. Full payment history from original creditor. Full name and address of address of original creditor.. I need proof that this has been assigned to them and that they own the debt. A collection is also not to be reported with a balance.
|
| 06/18/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There was a loan taken out by someone else in my name and the company, speedy cash, has since sold my information to a 3rd party debt collector, AD ASTRA recovery. I did not authorize or consent to the selling of my information and now AD ASTRA prints the debt on my credit report every month when I didnt even give them consent to access my credit report in the first place, let alone furnish incorrect items on there every month. This not only violates my rights as a consumer under the FDCPA but also under the FCRA as well.
|
| 06/18/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There was a loan taken out by someone else in my name and the company, speedy cash, has since sold my information to a 3rd party debt collector, AD ASTRA recovery. I did not authorize or consent to the selling of my information and now AD ASTRA prints the debt on my credit report every month when I didnt even give them consent to access my credit report in the first place, let alone furnish incorrect items on there every month. This not only violates my rights as a consumer under the FDCPA but also under the FCRA as well.
|
| 05/05/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX SPEEDYCASH COM XXXX VA ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1400.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
|
| 06/12/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently pulled my credit file and I realized Speedy Cash was listed on my credit report from a collection that was placed in XXXX 2009 for {$270.00} I contacted the representative and I stated I do n't recall a having a pay day loan from speedy cash and that I am a victim of theft. The representative insisted on saying I was still responsible for the account. I received threatening phone calls from a representative stating I had to pay the account within 30 days are legal action will take place on my personal property.
|
| 02/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company keeps on reporting false information on my credit report. They are claiming I owe a balance that I never had from the beginning. I have never done business or mad e an transaction with this company and yet they continue to report false information on my credit report. I have demanded them to remove the information that they reported. They refuse to send documents supporting them on why they are reporting false information on my credit report. At this point they are in violation of fair reporting credit act.
|
| 01/24/2020 |
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
|
|
Web |
Servicemember |
|
Speedy Cash listed the negative item on my credit report under another name ( XXXX XXXX ) ... I have contact them and advised that the previous fees paid on the account should be credited and not have the pay the full amount pay. Need the negative item removed immediately. They have also done illegal active on the account to stay on the credit report ... .stating that I paid {$1.00} on the account so it can be active. Also making changes on the account, by changing the amount due on the account several months in a row.
|
| 11/27/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
XX/XX/2020 I was contacted by Speedy Cash personal loans after searching for a loan online help with consolidating some bills. The company collected all my information including passwords to my bank account and deposited a check for me to collect and redistribute to them in exchange for a {$2000.00} loan. The bank called to let me know that the deposit was fraudulent and that I should contact you immediately in order to correct my account. I did not receive the paperwork they promised and they have all my information.
|
| 04/16/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
After repeated calls from a blocked number to a personal reference from my application, my brother answered the call. He was told by the agent that he should contact me to tell me that there were charges/complaints being charged against me for this account. Speaking to a third party about anything more than contact information is in violation of debt collection laws. I called the number and spoke with an agent. When I asked about the call to my brother they stated they could share any information they had with anyone.
|
| 12/20/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I owe a debt to a payday loan company called Speedy Cash that I took out online. They call me multiple times a day, upwards of 6-7 times a day, sometimes before XXXX am and even as late as XXXX pm. I will decline a call and they will immediately call me back, yesterday it was three calls within a XXXX minute timeframe. I have answered and told them that they needed to quit calling me so much because I work in a XXXXXXXX and cant always answer, and yet they still repeatedly call me and are blowing up my phone all day.
|
| 10/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2021, I attempted to contact Ad Astra Recovery Services to resolve my debt ( through the Engage by XXXX platform ) by email at XXXX and by letter to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX. I sent what I believed to be a reasonable offer to settle the debt and did not receive a response from Ad Astra Recovery Services.
I never received a response, so I sent another email on XX/XX/2021.
Ad Astra Recovery Services has not responded to the offers I have sent but continues to collect on this debt.
|
| 10/01/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I took out a payday loan from XXXX XXXX in XXXX Ca. on XXXX XXXX in the amount of {$5000.00} based on my bank account activity which I was OK with but, I was under duress and was not properly informed of what I was signing. I was told that my payment would be a total of {$260.00} monthly and to my shock and surprise it was two monthly payments of {$260.00} with a grand total of {$520.00} a month! which I think and know this is robbery and I rather not pay this loan any longer because if I do I will become homeless!
|
| 02/09/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
They originally called stating that they were representatives of a federal agency and that my file was subject to a criminal complaint. They would call from different numbers and use different tactics to get me to think i was in trouble with the law. The debt remained on my credit report months after i paid it. I have disputed it and talked to the collection agency. They indicated that because i disputed the account, they had to send info on the amount i previous owed without stating that the account is paid off.
|
| 01/09/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
Company or their collection wing threatened to contact my employer. XXXX indicates that they are threatening to call my employer to tell them that I own this debt. Additionally, it unlikely I owe this debt but no verification has been provided by the company. Likely just scare tactics to try to conjole money out of some one but it should noted and logged. Here are some details : From : XXXX CC : XXXX Law firm mentioned : XXXX XXXX XXXX XXXX Signed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached the email.
|
| 07/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I received a credit collection from Ad Astra Recovery trying to collect {$1600.00} which was collected for XXXX XXXX. I have responded to them by phone telling them that I did not take out that loan and wasn't responsible for that collection. The collection is even on my credit and have lowered my score significantly. This collection from XXXX XXXX is a fraud and identity theft. No one will clear this problem. This has been going since XX/XX/2022 My file # with them XXXX. Please advise and clear my credit repor
|
| 09/01/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
For one thing they didn't tell me when I took the loan out that there was 300 % interest on this loan. Didn't tell me as you go everyday that the loan grows interest everyday. Also I'm on public assistance. And I only get ssi every month. I can't afford payments of {$300.00} to {$400.00} a month. I tried to explain this but no one wanted to help me when I called. Now it's put agaisist my credit. If I could make a small payment a month I have no problem paying for the money I got but the interest is way too much
|
| 04/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
I have paid over {$1500.00} on this illegal USERY INTEREST rate transaction 500 % which is a violation of federal law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX had advised me that they would settle this transaction for {$1500.00} XXXX However I receive a letter from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX, stating that I owe {$5200.00} on this illegal transaction. # XXXX, ( XXXX.
I am retired and XXXX years old and I do not owe these people anything.
Please help me ' Thanks XXXX XXXX
|
| 06/03/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX In XXXX, I filed a complaint with company Ad Astra . I responded XX/XX/XXXX and did not hear back from company. It's been over 60 days and this item needs to be removed from credit report.
1. Any documentation the company mailed does not show proof of any contracts with Ad Astra. Thus, there is no debt owed to this company. No legal ties created and due to the original company relinquishing their position through selling contract, then there is nothing to pay or discuss.
2. It's been more than 60 days
|
| 03/21/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
Servicemember |
|
Speedy cash has sent several emails trying to collect a debt that is not mine. I never received or requested money or took money from this company. I am receiving emails stating they will sue me for the amount of {$760.00}. The emails a So states they will make a report to my employer if money was not received by the end of the day. That they will confiscate my wages. Again, I never received loans through this company. The lad test email has a case # XXXX from a XXXX XXXX or XXXX XXXX from his email of XXXX.
|
| 12/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have tried to pay off the loan numerous times for a settlement amount and customer service says they cant do it and they transfer me to the collections department. I talk to collections and they say I have to speak with the origination department. Basically they give me the run around and kept charging me interest. Collection agency says Speedy Cash doesnt want a settlement amount they want the entire amount which is the outrageous interest charges that I tried to prevent when they gave me the run around.
|
| 03/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
There have been several hard inquiries that have shown on my credit report. I have not applied for anything in several months due to the fact I am trying to clear out my credit debts and raise my score to purchase a home this next year. There are companies that I don't even know who they are that are showing a hard inquiry on my account. My identity was stolen in 2016 and I now have to apply for a PIN every year to do my taxes. Please make sure these are removed as soon as possible.
Thank you, XXXX XXXX
|
| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
|
| 05/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ad Astra collection services is reporting to the credit bureaus that I owe {$540.00} to a company that I have no affiliation with. I have disputed this collection with the credit bureaus and requested validation of the debt- which they have not provided. They have refused to remove the erroneous collection from my credit reports and it is causing damage to my credit scores and ability to qualify for an auto loan and mortgage in the near future. This is a scam company and they should be held accountable.
|
| 01/11/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a notification that my credit score has dropped 50 points from a debt collector XX/XX/XXXX. The debt is showing for Speedy Cash, the original debt was added over 7 years ago. The debt was sold twice since then and removed twice to be added back on XX/XX/XXXX. The debt is {$520.00} added by XXXX, XXXX XXXX XXXX. I reached out in form of a letter requiring proof of debt and is still awaiting a response. This has caused inconvenience by dropping my credit in the times of a pandemic.
Thank you,
|
| 04/05/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I got a XXXX loan with XXXX pay off. called before lone due let them know due to fraud my bank account was closed and I was waiting for new card. got new card called in and was told I was in collections and now owed over XXXX being told my employer will be called and I will be arrested if I do not pay XXXX.
This is the person harassing me : Note : To make the payment you would have to call or text our number XXXX or email us on XXXXXXXXXXXX Attorney XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXXXXXX
|
| 12/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I got a XXXX loan from speedy cash back in the end of XXXX or very beginning of XXXX. I owe them XXXX. The problem is they changed the date and made it so its current and looks like I just took it out saying it happened this month of this year. That information is obviously incorrect and needs to be corrected and from what i understand they cant change the date like that to keep it looking current. I have three things on each credit report snd this is on all of them and needs to be taken off. Thank you
|
| 12/07/2015 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
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I got XXXX loans that I recall from a place called rapid cash, but on my credit report it shows XXXX of them. When I got the loans I had money problems since I 'm the only XXXX working in my household. So I have to pay rent, electric bill, gas, car, house insurance, phone, car, medical bills. So i got the loan so I could help myself a bit. I was making enough at my last job so I was n't able to keep paying. But I only recall getting XXXX loans not XXXX so I do n't understand why it shows up XXXX times.
|
| 09/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
RE ; XXXX XXXX XXXX XXXX ORIGINAL CREDITOR INFO : 12 SPEEDY CASH 3 CONSUMER NAME : XXXX XXXX XXXX, Kindly dispute this collection information away from my account and report. I'm a diligent XXXX and hardworking as I was also a victim of identity theft when my car was stolen in XXXX last XXXX with everything loss and I faced huge financial hit with struggles.
I hope that you will deeply consider my request and prove once again, why company name is heads above the rest. I look forward to your reply.
|
| 09/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hello, my name is XXXX XXXX, and I need your help in contacting this company. I tried to contact them to find out why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. I do not authorize anyone to use my name, date of birth, or any other information as it violates Data Privacy. They need to identify out who opened the account in my name and simply transfer the information to that person. Please assist me in resolving this.
|
| 05/13/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I took a loan from speedy cash which i paid in full. and retook another one. on XXXX/XXXX/15 they sent and e-mail saying there was a mistake in the XXXX loans but did n't clarify what it was. i kept e-mailing asking for account status and never received it in an e-mail. they charged my account without my authorization ( i contacted the bank and they reversed it ) they never sent me an account balance, instead they sent it to collection with the wrong amount and they wo n't fix it on my credit report.
|
| 04/15/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have attempted to contact this company on numerous occasions to find a solution to the debt they claim as owed. Most recently I emailed them at the contact listed on their website, Support@AdAstraRecoveryServicesInc.com These communications took place on XX/XX/2021 and XX/XX/2021 and the company refuses to respond.
As a result, I have disputed the validity of the debt with the credit bureaus and they find the time to respond that inquiry but not to the person actually trying to solve the matter.
|
| 03/14/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020 I called this company and told them I didnt have an account with them and also disputed it with the 3 credit bureaus. They replied back and stated on my credit report, information has been verified. This debt collection company XXXX XXXX XXXX XXXX , XXXX is violating the FCRA by submitting debt under my name to the major credit bureaus which is unsubstantiated and validated insufficiently. Debt validation must meet certain criteria based on the FCRA and what they provided is unlawful!
|
| 07/27/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was first notified that my information had been compromised in XX/XX/2021. I have notified the police, put an alert on my credit with all 3 bureaus and thought that I had resolved the fraudulent accounts opened with my information. In XXXX, I was notified of a collection item from a payday loan establishment in the amount of {$2900.00}. I disputed the item with XXXX and it was not resolved and removed. I am, again, trying to get this negative and fraudulent account removed from my credit report.
|
| 11/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I checked my credit report in XX/XX/XXXX. I saw a from XXXX XXXX saying it was owed to a company name speedy cash in the amount of {$590.00} from XX/XX/XXXX. I sent the company a letter XX/XX/XXXX certified mail asking them to send me the contract I signed and to validate the debt. They sent me a letter stating it is valid and a contract with my name printed on the form with an address that does not belong to me. This debt has not been validated and they refuse to remove it from my credit report.
|
| 10/06/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I got an email this week stating that the company was gon na take XXXX out for a payment this week. Well they took double payment out because I am behind but I 'm still paying on it he best I can. Well they did n't notified me about taking double payment out this week.. they just went ahead and did it ... which when I called them they said I can bring up ur contract and the lady was snotty and hateful too.. They should at least let me know that they were going to take it out twice not just do it..
|
| 02/28/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
I received a payday loan from XXXX and ended up gett other loan to pay that loan. I was paying XXXX $ every pay check but only XXXX $ for wha was being paid went to the principle. It would ha taken 17 payments making a XXXX $ loan cost me ove XXXX .
I ended up lost in in loop now I owe speedy cash for a ridiculous sum as well as th cash store. I XXXX and ca seem to find out way to stop th loans gaining more and more interest.
What can I do? If there help without another loan I 'd like to know.
|
| 12/20/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a letter in the mail from Ad Astra Recovery services Inc. on XX/XX/2021 Informing me that someone opened an account in my name, and I owed {$200.00} from a payday loan I never opened in my life. I immediately called and spoke with a representative and told him I NEVER in my life opened a payday loan, which he replied, you didn't open the account, I emphatically told him NO. Then he said report it to your local law enforcement officials. I live in XXXX, Texas and NOT XXXX Kansas XXXX.
|
| 10/08/2021 |
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
|
|
Web |
|
|
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
|
| 06/29/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
I have been contacted but someone stating they are trying to service me and if I dont accept the service they will contact my work. I have asked what it is about and they will not provide details. They give me a phone number to an attorneys office and ask to provide case id. When I call they ask for details about me other than the case number and threaten to send details to my job. I have also received an email stating that someone is trying to collect for speedy cash. I have attached the email
|
| 07/15/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
|
|
Web |
|
|
I have received multiple fraudulent emails claiming that I owe {$970.00} to speedy Cash doing business as their speedy XXXX XXXX etc etc etc I do not have a payday loan out from these people I never have so I'm quite certain I don't know them anything but they keep sending emails after email and I've responded back many times and they just send another email and it says it's the email address is for me attorney XXXX something or other but the name on the email is XXXX XXXX so it makes no sense
|
| 07/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am a victim of fraud/identity theft. Sometime in XX/XX/2020 someone applied and received an individual loan IAO {$2300.00} under my name from AVIO Credit XXXX in XXXX, Kansas. The account went to a collection agency, XXXX XXXX XXXX XXXX, on XX/XX/2020. The account showed up on my credit reports when I checked XX/XX/2020 and I realized I had a fraudulent account IAO {$2300.00} in collections. I have disputed this account with XXXX, XXXX, and XXXX and placed a security alert on my accounts.
|
| 09/09/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I received a call from XXXX on Sunday XX/XX/2019. I told them that Sundays were an inconvenient time and to not contact me on the weekend. By informing them of the inconvenience, the laws protecting consumers by the FDCPA should be enforced. Approximately 2 hours later they then called me back continuing to attempt to collect a debt even after they were told Sunday constituted an inconvenient time. They ended up calling a total of 3 times, the first went unanswered but no voicemail was left.
|
| 08/29/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Did an installment loan with XXXX XXXX for XXXX. The Rep informed of the amount that was going to be taken out of my bank account every 2 weeks. I called to inquire about my balance and learned that I still owed them XXXX. I became upset because the Rep did not explain to me that they charge a daily fee plus interest. I was told I would paying XXXX every 2 weeks until XX/XX/XXXX. They didn't tell me that I would be paying the interest and other fees first. I feel they owe me some money back.
|
| 03/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Speedy Cash keeps calling me. I have blocked speedy cash but they find a way to my voice mail and leave a message saying " This is a courtesy call from speedy cash ''.
I have contacted them numerous times and explained that they have the wrong person and phone number. I have never been nor will ever be a customer of speedy cash. they say they will stop calling me then in a month start calling again. I have filed complaints with the do not call list and FCC. this never stops with these XXXX.
|
| 04/22/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX-Speedy Cash have claimed that I filed a payday loan in the amount of {$300.00} with their office. I filed a dispute through XXXX to dispute this as this account is not mine and stated I have no knowledge of the account. They denied my dispute and then reopened the account with a new debt collector showing I opened the pay day loan in XXXX which is again not my account and the original debt was showing opened in XXXX.
I want this account removed from all 3 credit reports immediately.
|
| 06/10/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I had an unauthorized transaction on my account because I had revoked in writing this lenders right to debit my account, which is what they require, I called the bank to dispute it on Friday, XXXX XXXX, 2016. I had n't heard back so I contacted XXXX bank and was told today that they are not going to refund my money from Speedy cash.
They said what I sent them does not prevent withdrawal from my account. She put me on hold and then hung up on me. They denied the claim with no valid reason.
|
| 08/12/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.
|
| 08/12/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.
|
| 04/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2021, I wrote a letter to Ad Astra Recovery Services, requesting them to provide proof that they are, in fact, contracted with Speedy Cash in order to collect a debt that is not owed to them. Further, I requested validation of the debt, including a contract between myself and Speedy Cash.
Certified Mail Number XXXX XXXX XXXX XXXX XXXX I have, since then, received none of which was requested. However, Ad Astra Recover Services continue to report this account to my credit report.
|
| 04/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2021, I wrote a letter to Ad Astra Recovery Services, requesting them to provide proof that they are, in fact, contracted with Speedy Cash in order to collect a debt that is not owed to them. Further, I requested validation of the debt, including a contract between myself and Speedy Cash.
Certified Mail Number XXXX XXXX XXXX XXXX XXXX I have, since then, received none of which was requested. However, Ad Astra Recover Services continue to report this account to my credit report.
|
| 10/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have become a victim of Identity Theft and have had several credit accounts and collections show up on my credit report over the past few months. With the recent data breaches I am certain my information was leaked from this and shared. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
|
| 11/02/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I never received a letter or email to have the chance to dispute or verify the validity of this debt.i started receiving phone calls and my family,, threatenting to have a person show up at my job to serve me papers.and was told a warrent for my arrest. Will be issued because i wrote a bad check .no options to make payment arrangments.had to close my checking acct.i had to change my phone number..i was never given to option to explain what happened .the reason that i was unable to pay
|
| 01/05/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
I borrowed {$750.00}. in XXXX XXXX. Repayment amount was not disclosed. Money placed in checking account 3 days later. First month repayment, XXXX XXXX, XXXX, {$240.00}, remaining balance over {$1000.00}. Next installment {$240.00}. With remaining balance over {$1000.00}. Payments increase as does amounts owed. Decline in principal is offset by increase in fees or " interest. '' No montly payment listed for loan amount when signed up. Never ending cycle. No customer service available.
|
| 05/17/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
To Whom it may concern, I went into a financial agreement where XXXX XXXX was given the power of attorney, They created a settlement with the company in question and all payments were made on time. Ad Astra Recovery Services XXXX Speedy Cash ) settled with me and XXXX XXXX for {$1500.00}.
This company agreed to reflect that this account is paid in full. The representative of Ad Astra signature is shown on the document. As of XX/XX/2020 all payments were made to this company in full.
|
| 01/31/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
For the last several years, I continue to get these emails from Speedy Cash to my work email. First, this was discharged in my Chapter XXXX bankruptcy in 2014.
Also, they continue to send these emails with my personal information, saying there is a docket number ( case filed? ) I want this harassment to stop! I have made many attempts to cease this communication ( blocking emails incuded and they send from different email ) I have called and emails requests to stop and doesn't help.
|
| 02/03/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
a loan application was processed and approved with my name and information in 2013.on my credit report shows i owe a certain amount to a payday loan company which I did not approve of it now has left me with a lower credit score and i am not able to take out any loans if i needed to .also I get calls from debt collectors asking me when will I start making payments. I just want this situation to be cleared out from my credit report and to stop the constant calls from debt collectors.
|
| 03/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
All my collection accounts show account open. Per FCRA, a collection account can not report a collection as open account. I want all collections removed. This is a violation of the FCRA. All these accounts have errors. I want these accounts removed. Not closed as other accounts I disputed. I want these accounts removed. All three Credit bureaus are allowing these accounts to be in violation. Im tired of being defrauded. I want to sue all these collection companies. Please help me!!
|
| 05/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
For the 20th time, I would like for Ad astra recovery to explain how I owe them money, in the last complaint, they said " They are a third party debt collector '', which means they bought the debt, so again please explain how I owe you money?
Ad astra recovery has not provided any business or services to me, so to say I owe you money is FRAUD, If I hire a credit repair service, this would be removed, I am in the process of reporting Ad astra recovery and the credit bureaus to OCC
|
| 05/17/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
To Whom it may concern, I went into a financial agreement where XXXX XXXX was given the power of attorney, They created a settlement with the company in question and all payments were made on time. Ad Astra Recovery Services ( Speedy Cash ) settled with me and XXXX XXXX for {$1500.00}.
This company agreed to reflect that this account is paid in full. The representative of Ad Astra signature is shown on the document. As of XX/XX/2020 all payments were made to this company in full.
|
| 08/31/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have contacted speedy cash, as well as XXXX XXXX XXXX XXXX, fraud department with no success! I am a victim of identity theft someone took out a loan online using different phone number, different email, different work number there for speedy cash can not give me information! When it was in fact taken out in my name and is in collections. Ive tried several attempts to communicate and inform them this is not my account!! XXXX Please help XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX
|
| 01/04/2020 |
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
|
|
Web |
|
|
Hi, I see on my XXXX credit report an unknown credit inquiry without my approval by a company called Curo XXXX XXXX XXXX also known as speedy cash with the address listed as : XXXX XXXX XXXX XXXX XXXX KS XXXX.
This inquiry on my XXXX account appears on XXXX XX/XX/2019. I need this to be wiped out from my credit report as Id not authorized for such an inquiry and at the same time necessary fines should be levied on this organization to avoid exploiting and misusing public data.
|
| 07/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I struggled to pay back this loan due to financial difficulties. On top of that, they kept adding fees and late charges to my loan.
Today i received the emails i attach. XXXX XXXX who claims to work at speedycash demanded immediate payment using prepaid XXXX cards.
When i didnt do what she asked she send another aggresive email claiming they had issue a warrant for my arrest. I wasnt even served any papers and they are already claiming they will have me arrested. Please help.
|
| 07/13/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have disputed this debt with XXXX and XXXX.XXXX did remove the debt but now it is showing back on my report. I have asked this company to provide me with proof that this is my loan. I had a account years ago with XXXX that had to be closed because someone I trusted were getting loans in my name.XXXX only provides me with bills. No copies of my id, no documents that I signed nothing I want this removed off of m credit report. I am prepared to get a attorney to help me with this.
|
| 10/24/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XXXX sent Identity theft report along with affidavit, and notary presentment to Ad Adstra through certified mail Receipt # XXXX to remove unauthorized account that was not opened by me, and I am yet to receive any communication from Ad Adstra about them following the law pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt, and this hasn't been done which is a violation of my rights and the law.
|
| 07/21/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I got an email from XXXX XXXX about how I owe speedy cash money when I havent even taken a loan out. I took a loan out a long time ago and paid it off. Now she is saying there is a lawsuit for XXXX XXXX Violation of Federal Banking Regulation XXXX XXXX Breach of contract with loan the company XXXX XXXX Theft by Deception the emails are very annoying and I KNOW for a fact that I dont owe anything. It should be even illegal to tell someone they have a lawsuit out when they dont.
|
| 06/11/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
This Company is reporting that I Obtained a Payday Loan from them. I have advised that I have never received a payday loan from their company and that I was a victim of identity theft. I have requested legal documents like a contract that should be in place if I did such a thing. The company will not respond to me nor verify an information regarding this supposed loan. I have disputed with all XXXX major credit bureaus several times and they keep telling me the company verified.
|
| 04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA.
As stated in the HIPAA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. I would like this be taken out of my credit report immediately.
|
| 12/16/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This account has been on my credit report for a couple of years, every month they change the total amount from {$1000.00} to {$1000.00}. I have disputed the acount and demanded verification from the bureaus and from the company themselves. The account always comes back verified but somehow they keep changing the amount owed constantly. This affects my credit rating every time they update it and also affects the date of activity resetting the clock for the 7 year deletion mark.
|
| 05/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved
|
| 01/08/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I contacted XXXX XXXX XXXX about my Speedy Cash account of {$1100.00} that was sent to collections. On XXXX XXXX i contacted XXXX to settle out the account in the amount of {$680.00}. At that time i was told the account would be deleted or removed. Which it has not. I filed a dispute with XXXX and called and i keep getting call the collections, call XXXX. I have a paid in full letter. But not deletion letter. Please help trying to purchase a home, and it needs to be removed.
|
| 06/11/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I figured I fixed the problem, I got this loan in 2014, and Im getting text message from a attorney XXXX XXXX stating that if I dont pay this loan back I will be arrested or go to court if I didnt pay {$1300.00} or go to court and pay {$17000.00}. But here is catch I can pay them an settlement of {$890.00}, now this text message I received was XX/XX/2018 at XXXX. I have to contact this lawyer at this number ( XXXX ) XXXX, but the text message came from ( XXXX ) XXXX. Thank you
|
| 01/31/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
On about XX/XX/XXXX XXXX dba SpeedyCash agreed to receive payment of {$700.00} from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX phone ( XXXX ) XXXX.
On XX/XX/XXXX XXXX dba Speedy Cash ( almost 7 months later ) demanded payment of {$790.00} via e-mail.
I called Customer Relations to find out why the demand is made directly to me rather than to contact XXXX XXXX XXXX. Customer Relations informed me there is no records of any agreement signed with XXXX XXXX XXXX.
|
| 08/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have looked up number belongs to Ad Astra Recovery. They have called my job twice now on XX/XX/XXXX and XX/XX/XXXX asking to speak with me. I am not able to take personal calls at work, let alone staff trained not to give out personal information in regards to if we are there. This number was calling my cell repeatedly last month but never once left a message. Because number is not a recognizable number did not answer. I need these calls to stop for calling at place I work.
|
| 12/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account was opened by someone else using my information theres no way of proving that the speedy cash they keep verifying it is accurate but how can I prove that it wasnt me it was someone using my information. And how does the account balance Continue to increase by one dollar then decrease by one dollar every month? when I am not paying a dollar? is is some sort of unethical business practice? Just proves that I have no control over the account because I didnt open it.
|
| 06/15/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I checked my credit report I see this negative impact from this company which I was told is a payday loan. I have never received anything from this company. I called them and the credit bureaus and the say it is a verified debt. I never received any money from this company and have no knowledge of signing any paperwork. I was told by a representative that they have a signed contract but they will not provide it to me at all. XXXX / XXXX / 2012 in the amount of {$610.00}
|
| 05/31/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
I received a threatening email stating speedy cash ( XXXX XXXX ) sent me a warning XX/XX/2020 for a loan I never took out when I contacted them that more threats came especially when I asked for proof for signed documents Ive called speed cash twice IM MOT IN THE SYTEM I have no ideal who XXXX XXXX is or the attorney she sent the information to & that is : XXXX Claiming legal will be taken & my employer will be contacted Amour {$970.00} if I dont pay that itll be {$8600.00}
|
| 04/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have reaIched out to this collection company many times in the past. I did not authorize any transactions with this company or Speedy Cash. I have asked XXXX XXXX XXXX to provide me with verifiable proof to include my signature. I have been told by agent at XXXX XXXX XXXX they do not have to provide me with verifiable proof with my signature.
This is not my debit and this collection agency is not licensed in the state of XXXX nor is there a office in the state of XXXX
|
| 08/24/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Ad Astra recovery se account # XXXX, originally a XXXX XXXXXXXX account is not mine. Per 15 U.S.C sec. 1681i ( a ) the laws states that a thorough investigation must be conducted providing accurate proof that this account or debt belongs to me and all information including signature must be accurate otherwise this MUST BE DELETED TO AVOID FUTHER DAMAGE TO MY PERSONAL CREDIT AND NAMESAKE! This account is illegitimate and was NOT my doing. Also it is someone else signatures.
|
| 04/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
The threatening letters these agencies send out are just wrong and very scary, I do not appreciate being threatened to be thrown in jail or having my things taken from me. I also do not appreciate being threatened to have my wages garnished especially when I live in a non wage garnishing state, and to be threatened that they will call my job and friends and family to discuss my debt should be punishable. I do not see how they can get away with threatening people like this.
|
| 09/23/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I contacted this company a year ago and stated I could not mail in payments. I needed to keep a checking account or credit card on file. I do n't want to do that because I will not make the payments on the same day. They stated they could n't help me if I did n't leave that information on file to withdraw automatically. I asked why there were so many fees added after I contacted them that I could n't pay them and they said they can charge up to a year after I contact them.
|
| 11/27/2015 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
ON XXXX/XXXX/2015 I APPLIED ONLINE FOR A {$2500.00} INSTALLMENTLOAN, AND WAS APPROVED AND CALLED TO SET UP APPOINTMENT, AND ON THE XXXX OF XXXX WE WENT IN TO THE XXXX STOREAND COMPLETED ALL FORMS ETC, AT THE END STATED I HAD XXXX LOAN ON THE STATE OF ILLINOIS ( XXXX ) GAVE ME A DENIAL LETTER AFTER STATING THEUR IS A COOLING OFF PERIOD, 3 DAYS LATER WENT BACK AND WHERE THE STAFF WAS HAVING A PARTY! ONCE AGAIN A REPEAT EVENT ... THIS FISACO COST ME AND CAUSED MAJOR PROBLEMS.
|
| 06/26/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Speedy cash is reporting completely erroneous information. Account was paid off several years ago. Now they are stating I OPENED ANOTHER ACCOUNT IN XXXX OF THIS YEAR WHICH IS COMPLETELY WRONG. I DID NOT OPEN ANYTHING FROM THEM THIS YEAR.
They are reporting false information. I believe the amount is around XXXX XXXX. As a new account. This is false!!!! Its.with a collection dept. They have called and said someone opened it online at a bank I DO NOT USE. This is all false!
|
| 05/10/2018 |
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
|
|
Web |
|
|
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CURO MANAGEMENT, LLC Inquiry Date XX/XX/2017 XX/XX/2017
|
| 04/24/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Speedy Cash sent postcards to my house saying that I could take out a second title loan on the same vehicle for which I already have a title loan. In addition, it wasnt made clear to me that the annual APR is close to 100 %. I feel as if this is a predatory practice and also have been informed that it is not legal to have 2 title loans out on the same vehicle. I have suffered a great financial burden as a result of this predatory loan and I would like it to be dismissed.
|
| 07/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I 've learned that I 'm a victim of identity theft. I had a loan with The Money Store while I was under wage earner. I learned the loan was refinanced while I was on XXXX. On XX/X/2004 is the date the loan was refinanced. The new company is XXXX XXXX XXXX. IRS brought this to my attention. I pulled my transcripts from IRS, I 've had a meeting with IRS. I need the mortgage interest papers for tax purposes. I also need the information showing my information was refinanced.
|
| 09/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
So in the process of fixing my credit and applying for a car loan, I noticed that on XX/XX/2018 my XXXX credit bureau had lost points due to an unlicensed collection company ; XXXX XXXX XXXX XXXX for the state of Maryland was added. When I saw that I immediately checked ( XXXX XXXX XXXX ) to see if they were bonded in my state. The amount is for {$570.00}. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt owed.
|
| 06/15/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I had 2 pay day loans from 2 different companies and paid 1 off because they threatened to get a judgment against me and garnish my wages. So i made 5 payments and on the final 1 they waited almost a month to get back to me and stated that the reload it card I sent was invalid and that I had to send another payment And on the other pay day loan same thing but I have only made 1 payment. Ahould I continue to make the payments. And can they garnish my wages
|
| 10/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Curo Management LLC, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX )
|
| 04/05/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
XXXX XXXX XXXX a collection agency trying to collect a debt for XXXX who I had filed chapter XXXX bankruptcy on in XXXX 2014, that debt was XXXX on XXXX 2014. Both company knowingly it was XXXX and can not be collected but still trying to do so. XXXX XXXX XXXX illegally reported incorrect information on my credit report and damaged it. They have violated chapter XXXX XXXX bankruptcy code. They need to remove the collection off my credit report immediately. Thank you
|
| 09/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
XXXX XXXX i disputed this creditor- AD ASTRA REC, XXXX XXXX XXXX The date opened on all 3 credit bureaus is different and the " last active dates are all diffeent on all 3 credit bureaus. I have requested for proof of the validity of this account, to include signed contract and correct date opened and proof of last active date. I have also requested all 3 credit bureaus have the same information. Each dispute was resolved without proof and consumer responsibility.
|
| 07/02/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
I was charged two overdraft fees due to Speedy Cash debiting my account on the incorrect date. This is after I called in and reported the error. They refused to credit me for the fees after initially promising to do so. Therefore, I immediately halted my payments. I informed them that I would not make any payments until those fees were credited. I also revoked my phone authorization. They have continued to harass and call me daily, from different telephone numbers.
|
| 11/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Please see documentation attached. I have tried to get this dispute solved/corrected and remedied. The company, AD ASTRA RECOVERY SERVICES INC, has ignored my efforts and left me with uncertainty and confusion. This is causing hardship to me and my ability to obtain credit because of their consistent reporting/furnishing of negative information to my credit reports ( XXXX, XXXX, XXXX XXXX ). I am giving the company an opportunity to cure and remedy this situation.
|
| 02/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
There is a fraudulent account opened under my name and I wasnt aware of this. My ex spouse has my information and someone opened up a loan without my authorization. I am not responsible towards this because I never signed anything. I have letters that say to send my id to identify myself but im afraid to send anything else. Please call back number for me ( XXXX ) XXXX or email me at XXXX, I am still willing to send my Id but to a responding email or call or form.
|
| 08/11/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
AD ASTRA RECOVERY at XXXX XXXX XXXX XXXXXXXX XXXX, KS. XXXX has been sending me collection notices in the amount of {$230.00}. the collection is being reported as late balance. I do not acknowledge AD ASTRA RECOVERY and have not every done business with them. Nor have i agreed to any terms or have a written contract with AD ASTRA RECOVERY, they are harassing me with negative reporting, they have failed to provide the proof of signature i requested numerous times.
|
| 05/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On my credit report it shows that I have a derogatory mark for non payment of a loan with a company named Speedy Cash that was opened on XX/XX/2019. I have disputed this issue with XXXX as well as the company itself. This company is not licensed in the state of Illinois or the state of Indiana where I used to reside, I could not have obtained a loan from this company. This is negatively affecting my credit and I am trying to get it removed from my credit report.
|
| 09/25/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Worked with speedy cash on a structured payoff plan that would allow me to pay off my debt in a reasonable amount of time and avoid the XXXX XXXX interest rate.
I have been paying {$220.00} since XXXX XXXX every XXXX weeks. This amounts to a total {$5500.00} dollars that I have paid on a {$900.00} original loan.
I have requested a restructured agreement that would allow me to pay down this debt that is now over {$1300.00} despite my consistent efforts to pay.
|
| 08/06/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
In XX/XX/2014 my van was stolen with my checkbook inside. I filed a police report with XXXX XXXX Police Department.
In XX/XX/2014 someone cashed a check for {$1000.00} at a Speedycash in Arizona.
Speedycash sent it to collections. The collection agency is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX Phone XXXX I called Speedycash - they said it was my check and it went to collections.
I called XXXX XXXX - they said to file a claim.
|
| 07/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
I file chapter XXXX bankruptcy on XX/XX/XXXX. It was dismiss on XX/XX/XXXX, the case was reinstated to a chapter XXXX on XX/XX/XXXX. My case was discharge on XX/XX/XXXX. I keep calling and mailing my bankruptcy case information to this company, and they failed or wo n't updated my credit report with XXXX to reflect the correct information. This company just did a update as of XX/XX/XXXX to collect on this account still showing a open collection on XXXX and XXXX.
|
| 02/27/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I am, XXXX XXXX and natural living person submitting this complaint and there is no third-party involved. The collection company committed Fraud on my consumer report. I did not consent, benefit nor authorize the collection on my report. I demand the collection agency to remove immediately.
FDCPA 15 USC 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer.
|
| 02/27/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I am, XXXX XXXX and natural living person submitting this complaint and there is no third-party involved. The collection company committed Fraud on my consumer report. I did not consent, benefit nor authorize the collection on my report. I demand the collection agency to remove immediately.
FDCPA 15 USC 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer.
|
| 10/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. The XXXX and XXXX Credit Bureaus had their record-keeping been accurate, and no complete proof of payment history was provided. The XXXX and XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
|
| 10/19/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Received two letters from Ad Astra Recovery Services saying I am seriously delinquent on a loan taken out in XX/XX/2022 from XXXX XXXX I don't know anything about this company nor have I borrowed money from them.
Company is XXXX XXXX. Amount they say I owe is {$410.00}.
Ad Astra Collection Agency File # : XXXX I called Ad Astra Collection and they identified the claim by XXXX XXXX and put a flag on it pending notification from you. Their Phone number is XXXX
|
| 08/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Older American |
|
RE: SPEEDY CASH CARD #XXXXI WAS GIVEN A $XXXX CREDIT LINE. I AM XXXX AND NEED VERY EXPENSIVE MEDICATIONS. I WAS BROKE BUT NEEDED $XXXX TO BUY MY MEDICINE. I APPLIED FOR A $XXXX LOAN BUT THEIR SOFT WARE FLIPPED THE LOAN TO A $XXXX.LOAN. I HAVE HAD TO EXTENDED AND THEY TOOK XXXX DOLLARS OUT OF MY ACCOUNT. I HAVE A LOW VISION PROBLEM. IT CAUSED ANOTHER OVER DRAFT RESULTING IN ANOTHER $XXXX PENALTY. I AM AT THE END OF MY ROPE.CAN YOU PLEASE HELP ME.XXXX XXXX
|
| 06/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
When trying to make payments to catch up loan and pay off, a representative advised that they increased my credit ( cause it was a flex loan ) and I advised that I did not request that! They illegally increased my credit to process a payment toward the loan ; therefore causing me to incur more debt and longer payoff time.
Since they illegally increase credit and then used that credit to make a payment on the account, then I was not able to catch up payments.
|
| 04/13/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX Adjusters agreed if debt was PAID in full. The trade line would be removed/deleted off my XXXX, XXXX and XXXX reports. Company refused to acknowledge this information. The debt was initially open online. Company has not provided proof of when, where & how this loan was obtained in the first place. However, I still PAID IN FULL with the exception of deletion.
Company is unprofessional, misleading and improperly handling the validity of such debt.
|
| 08/10/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I had an online payday loan from speedy cash for XXXX. My payback was for XXXX. My personal information was given to a third party agency without my permission. I did not authorize my information from speedycash.com to be given to a creditor ( XXXX XXXX XXXX XXXX , XXXX ). I could no longer contact speedycash about my account because it was sold to a creditor without my permission. My rights were violated by both speedycash.com and XXXX XXXX XXXX XXXX, XXXX.
|
| 05/04/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I had taken out a online credit line of {$750.00} and have been paying {$90.00} to {$94.00} ever y 2 weeks sinc e XX/XX/XXXX whi ch totals {$720.00} but my amount owed is still {$970.00}. There is no way to get this paid off the interest rate is 279.4 % I believe they are operating under another name upon further investigation which is misleading as well. As everything I have says speedy cash but I dug deeper and found the other name which I have attached
|
| 12/22/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
I paid speedy cash on time then something went hair wire ... they are taking large amounts from my bank.
When I speak to the office in XXXX TN. the girl today said it 's not them taking it out. It has their name beside the amount on my bank account.
They have been doing this for 3 months now. My account stays overdrawn and this is why. Help is this deceptive business practice???? They have taken out XXXX for two months and does not reflect that on my bill.
|
| 10/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I don't know who this Company is and why they are stating that owe them {$960.00} dollars. I've never agreed with AD ASTRA RECOVERY SERVICES with any type of contract that I owe them any money or I have a debt balance with them. I need proof of original contract with my orignal signature, date I first I signed contract and open contract, detail dates of payment/itemized sheet history. Also, if their company have license to collect debt in the State of Texas
|
| 09/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I contacted XXXX, XXXX, XXXX as well as the collection company AD Astra Recovery Services about a debt that I do not recognize on my credit report. I asked for proof that this debt belonged to me or have it removed. Neither was taken card of from any of the parties. Ad Astra has yet to answer a call, return a call or write me back and it's be about 60 days. If I can not be provided proof that this is indeed my debt I'd like it removed from my credit report.
|
| 08/09/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I applied for a loan with speedy cash in the amount of {$1000.00} I made payments until they started taking out extra money at random times and my bank blocked them. I had made over 1500.00 in payments ( I have the bank statemetns that reflect such ) They have now turned me over to a collection agency for the amount of {$1000.00} I have disputed and disputed and keep getting letters. The interest on this loan was 353.302 % I have paid this loan off in full.
|
| 06/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Hello, My name is XXXX, I have received an email twice one from XXXX and one from XXXX, which i have never request a loan to this speedycash! Please help me with this scam collecting company! They using speedycash Business logo to get money from me!! My identity has been stolen and This is not my debt and I have never get money from this place!!
They should Stop harass me on treating me on take legal action against me!
Thank you so much!
Sincerely, XXXX
|
| 04/07/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hello, This debt just popped up on my credit report out of no where. I see that the original creditor was speedy cash. Speedy cash sent this debt to another company before XXXX XXXX XXXX and it was removed from my report because I didnt take out this loan and it was no signatures nor ID showing that I took out this loan. It was removed last year and just popped back up on my credit report in XXXX. This debt should be removed from all three credit bureaus.
|
| 10/19/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have sent 2 letters to the payday loan company as well as to the debt collector company letting them know I never received a loan with their company and that my identity was stolen. Today I received a letter in the mail saying that the debt is valid. The debt is not valid, I never received a loan from this company and I never signed anything to receive a loan from this company. This company is trying to sue me for something that does not belong to me.
|
| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Reached to get the 1099c and never got a response If, after any reinvestigation under paragraph ( XXXX ) of any information diputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ....
( XXXX ) promptly delete that item of information from the file of the consumer, or modify that the information as appropriate, based on the results of the reinvestigation, and
|
| 05/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXXXXXX has violated my rights as a consumer by failing to validate a debt at my request and continuing to report to ALL 3 CREDIT BUREAUS the disputed debt to the CRA. These are clear violations of both the FDCPS the FCRA. I gave them legal time of 30 days to complete this, they refuse to do so. The credit is causing damage to my character, because of they failed to investigate this account properly, the are in DEFAULT.
XXXX # XXXX AMOUNT # XXXX
|
| 08/23/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
A week ago or so I received an email from a debt collection office saying that they were contacted by Speedy Cash for an unpaid loan. I do have an unpaid load through Speedy cash so I thought it was legit. The attorney, XXXX XXXX, told me I just make payment arrangements or I'll be taken to court. I wanted to to settle this I told him that I would make the {$100.00} down payment but I didn't when he wanted me to send it through XXXX XXXX XXXX XXXX XXXX
|
| 08/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
My Credit report states that a payday loan debt aquired in Tennessee in XXXX was purchased by XXXX XXXX XXXX XXXX and is listed as derogatory as of XX/XX/XXXX even though the derogatory account was closed and the payment status charged-off over six ago. I have lived in New York since XXXX of XXXX and far as I understand collection on payday loans and derogatory marks on your credit score as a result of payday loans are illegal in the State of New York.
|
| 04/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I got an email that I had got a loan out from Speedy Cash or XXXX XXXX XXXX. That I owed XXXX dollars and had to pay it right now or I would be charged with fraud and be suied for $ XXXX in court. I never got a loan out from them or anyone else lately. I do need a loan but have been denied. I called both companies they have no loan on file for me or even an account. I never received paperwork for a loan and no money was ever put into any bank account.
|
| 04/30/2017 |
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
|
|
Web |
|
|
XXXX XXXX , 2016 {$240.00} I called and had this settled and paid off. I cant remember the person I spoke to but I asked before I pay this settlement will it be removed from my credit. The rep told me yes but she lied. Then I tried to call back and they told me that they never told me that, they send it to credit bureaus as pay as agreed. This needs to be removed because it has been paid off and I was told that it would be deleted off my credit
|
| 08/25/2021 |
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
|
|
Web |
|
|
ON XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Curo XXXX XXXX unlawfully obtained my consumer report without my authorization or a permissible purpose.
I have not initiated any transaction with Curo XXXX , XXXX. Also, I do not have an account with Curo XXXX, XXXX for review or collection.
I sent Curo XXXX 3 Notarized Letter explaining their violation of my consumer rights which included a demand for a {$1000.00} settlement on XX/XX/XXXX and XX/XX/XXXX.
|
| 04/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
XX/XX/2019 I revoked there Ach authorizations. It is almost impossible to cancel Ach payments with them. They told me they couldn't cancel my Ach agreement without an alternative payment method. Which is not true. By law You do not have to provide an alternative payment method to cancel your Ach. They dont want you to cancel it so they try to make you think you can't cancel it. By law an Ach agreement has to have a way to cancel it, or it's invalid.
|
| 11/28/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I applied for a payday loan and repaid the loan. I strongly believe that the the loan amount was re-approved without my knowledge and ended up effecting my credit score which the account went to collection on XX/XX/2018 and im noticing this effect until now. At the time i did not know how credit work or payday loans. Further more with this in effect im being stop in potential opportunity and will appreciate forgiveness for better credit experience.
|
| 02/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
This company charged me a usury interest rate of over 400 % in which I was not aware of, their collection agency has consistently harrassed me, after I, have told them to stop ... because my XXXX year old wife if sick. I told them that the usury interest rate of 400 % is illegal and to remove their name from my credit report for this illegal activity..Their name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) XXXX, KS XXXX Phone XXXX Fax XXXX
|
| 04/23/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have a payday loan from XXXX and a collection agency recently re-aged the debt to XXXX and put it on my credit report and never contacted me to dispute it. In Nevada the statute of limitations for collecting the debt has already passed and the reporting will expire this year as well. I am VERY concerned that they were able to re-age this debt to appear newer! Isn't this a blatant violation of Federal Law?? The collection agency is XXXX XXXX XXXX
|
| 10/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2021, I attempted to contact Ad Astra Recovery Services to resolve my debt ( through the Engage by XXXX platform ) by email at XXXX and by letter to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX. I sent what I believed to be a reasonable offer to settle the debt and did not receive a response from Ad Astra Recovery Services.
Ad Astra Recovery Services has not responded to the offers I have sent but continues to collect on this debt.
|
| 07/20/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
XX/XX/XXXX Amount of loan : {$600.00} Public officials fee : {$38.00}?
CAB : {$150.00} per month Annual rate : 332.92 % ( representing 5 payments ) Dollar amount of our cost : {$980.00} Amount of total payments after all payments are made {$1600.00} Had somewhat a hard time getting them to offer us a settlement to pay it off after 3 years.
Payment made to them was {$700.00} on XX/XX/XXXX.
Title to vehicle is to be released within 7 to 10 days
|
| 04/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On Complaint # XXXX AD Astra stated XXXX XX/XX/23 that they would have this debt removed from my credit report. They state it could take up to 30 days, it has now been 65 days and it is still on my credit report. Phone calls have gone unreturned. There previous answer was a blatant lie and has caused me severe harm in receiving financing. I have attached the previous answer showing what they said they were going to do and they have not done it.
|
| 10/07/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX I have contacted ASTRA ADA RECOVERY in regards to an account in XXXX transferred and sold as a debt collection. I called to get fax number and was transferred back to the original furnisher of information SPEEDY CASH. I was sent to the survey automated system when placed on hold, I than called back to get account number and was told it was an attempt to collect a debt which is illegal to do so pursuant to 15 USC 1692b ( 2 ) ( 5 ).
|
| 10/24/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
AD Astra Recovery Service, on behalf of " Speedy Cash XXXX '' has had a collection to my credit report for the amount of XXXX. I am not aware of this debt, nor have I received a letter about the debt notifying me of my right to dispute - Nor have I received a debt validation letter.
I live in the state of Alabama. I am not sure that this creditor is even registered in alabama to collect funds.
I want this erroneous information removed ASAP
|
| 08/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Speedy cash shared my information to XXXX XXXX. Now they are trying to collect XXXX, I do not know who XXXX is I never signe paper work with XXXX, they bumped the initial amount of XXXX, also they report to the credit bureaus different information, one day my account is open the next day closed, then collections, this been closed, remove It from report, also sending Letter to petition to keep there business open, they took my documents of line
|
| 08/05/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have a loans out through XXXX. I have had fraud on my bank account recently I do not want my bank information to anyone. I have told them I revoked my authorization to debit that bank account. They refused to take my account information off. I do not wants fees and overdrafts because they wo n't work anything out with me. I have talked to them numerous times. In the loan agreement they do not state how to unauthorize the debit to my account.
|
| 04/23/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Received notification of collection efforts. Collection showed up on my credit report. Lots of phone calls received. Spoke with the collection company ( Ad Astra ) who said I owed {$4100.00} and was over 180 days late with XXXX XXXX. I never took out a loan with them. Plus the amount is huge - these types of loans are usually {$500.00} or less, arent they? Now trying to figure out how to get this false collection removed from credit reports.
|
| 05/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I checked my credit report in XXXX preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed multiple complaints and Identity theft packets as directed by the police department to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
|
| 04/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I got a XXXX loan from speedy cash in XXXX at the moment when I was signing the contract the person giving me the loan stated the contract would be sent threw email did not explain much of the loan I took the loan with out the knowledge of I had to pay back about over {$10000.00} back for a loan that was only XXXX i belive in there end I owe them about XXXX I made my payment on time and more than what I borrowed and there apr was about 135 %
|
| 03/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Speedy Cash/ Ad Astra Recovery Services an online pay day loan is charging me {$1400.00}. I did not apply for this loan and I dont even know how they obtained my information. This is reflected on my credit reports. I disputed this on all 3 credit bureaus and XXXX was the only bureau to delete the item. Please assist with helping me resolve this issue. Speedy Cash online loan is falsely charging me for a debt that I did not incur.
Thank you
|
| 03/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Speedy Cash/ Ad Astra Recovery Services an online pay day loan is charging me {$1400.00}. I did not apply for this loan and I dont even know how they obtained my information. This is reflected on my credit reports. I disputed this on all 3 credit bureaus and XXXX was the only bureau to delete the item. Please assist with helping me resolve this issue. Speedy Cash online loan is falsely charging me for a debt that I did not incur.
Thank you
|
| 11/11/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My information was sold to them illegally since I've never had an account with them. Even after trying to rectify the situation by paying what I could and still having the means to survive after paying, they didn't accept my payment offer. We are still in the middle of a pandemic and Ad Astra is still trying to take the entire balance owed to them, which again, was illegally sold to them because my loan was through Speedy Cash not Ad Adstra
|
| 11/11/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My information was sold to them illegally since I've never had an account with them. Even after trying to rectify the situation by paying what I could and still having the means to survive after paying, they didn't accept my payment offer. We are still in the middle of a pandemic and Ad Astra is still trying to take the entire balance owed to them, which again, was illegally sold to them because my loan was through Speedy Cash not Ad Adstra
|
| 03/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
In XX/XX/XXXX i made an additional payment of XXXX to my loan at speedy cash to bring down the balance to XXXX. I had problems to make that extra payment already. I had to go through multiple people to even get them to take the extra payment. After I got it they said i still had to pay XXXX dollars for 12 more weeks to Pay off the account. Explained thats not what was explained to me, that the interest payment on XXXX is no where near XXXX.
|
| 09/27/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have an installment loan through Speedy Cash, and they regularly apply payments to my installment loan account several days later than they are drafted out of my account which causes additional interest to accrue on my account. Payments are never withdrawn from my account on the draft date that I have selected and the payments are never applied to my installment loan account on the date the money is drafted out of my account bank account.
|
| 11/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Issue : XXXX Reporting There are 5 collection accounts on my report that are inaccurate. I have never done business or entered into written agreements with any of the aforementioned businesses. It appears to be collection agencies from medical bills and a cash advance business.
I have submitted numerous disputes and asked for copies of the original written agreements to verify the accuracy of the accounts, and I have not received them.
|
| 11/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This company has continue to contact me after ceasing and desisting all communication in behalf of a debt that is not an obligatory right of this company. This company claim i owe {$400.00} I have not given written consent to this company to locate my place of dwelling, in pursuant to an alleged debt not owed directly from me the consumer. This is a violation of the FDCPA, XXXX, Congressional title XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX.
|
| 04/28/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Received notice that a collection was added to my credit files. Per collection, payday loan was made in XXXX online. NOT accurate. I have been fighting ID theft for some time now ( See attached ). Ad Astra claims {$4100.00} is 180 days late from a Speedy Cash online loan ( how can it be {$4100.00} when their limit is {$500.00} ). I did NOT make such a loan request. Originally was told I was XXXX XXXX. Have now learned it was Speedy Cash.
|
| 04/28/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Received notice that a collection was added to my credit files. Per collection, payday loan was made in XXXX online. NOT accurate. I have been fighting ID theft for some time now ( See attached ). Ad Astra claims {$4100.00} is 180 days late from a Speedy Cash online loan ( how can it be {$4100.00} when their limit is {$500.00} ). I did NOT make such a loan request. Originally was told I was XXXX XXXX. Have now learned it was Speedy Cash.
|
| 05/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My identity was stolen and 1 of the companies that this occurred with was XXXX XXXX , XXXX . I had a hard inquiry appear on my credit report from them. I had never contacted, applied, or even heard of XXXX XXXX prior to this. I filled out their forms they sent me to have this removed. I also followed up with a letter that the FTC identity theft website generated but still have yet to have the hard inquiry removed from my credit report.
|
| 12/29/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Servicemember |
|
I opened a payday loan with Speedy Cash in XXXX 2014 and was charged extremely high loan fees. I filed Chapter XXXX bankruptcy in XXXX 2014 and reported all of my debts to the attorney. This account is still open and this pay day loan company located in XXXX Texas ( XXXX XXXX XXXX ) refuses to acknowledge that I am in bankruptcy. I have filed a dispute with the credit reporting agencies but I have not received a satisfactory judgement.
|
| 04/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Under the ( FDCPA ) initimadting actions and pretending to be somebody else I received an email from a XXXX XXXX ( Settlement Department ) stating this was my final notice otherwise I could be prosecuted on this matter. Went as far as stating in the letter that they would fax the issue to my current employer to make sure they take strict actions again me. and my salary and wages be confiscated.I recieved this email on XX/XX/2017 2017
|
| 05/19/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The principal on this debt was paid directly to original creditor Speedy Cash. Balance represents interest and is three times the amount of t he loan. It is illegal to report pay day loans to credit bureaus in Texas. XXXX XXXX ignored by request to find out if they are licensed to collect in Texas. XXXX XXXX said they have new information on me that confirms the debt, but did not provide me with that information.
|
| 01/04/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
I went ot court in XX/XX/XXXX for an garnishment hearing on this loan in the court it was staified they did not closeout the garnishment and they This company will not send a close out to my job on this garnishment and they where able to go bavck to courk XX/XX/XXXX to court and win another XXXX from me in court. How is this fair pracices and i still havenot recieved anything from the company saying the garnishment has been statified
|
| 05/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Im 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 a account without my written instructions.
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
|
| 10/08/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XXXX XXXX {$780.00}.
To Whom It May Concern : I am disputing this account because you are reporting inaccurate information on my credit file, Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practice that I do not have any contractual agreement with you to collect this amount, and you should delete this account on my file. Compliance with this request is required under the federal law, and FCRA 609.
|
| 11/03/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have been paying this loan since around XXXX 2014, I have been paying and the loan amount seems to remain around the amount that was borrowed. I would like to redo this loan in a fair amount of interest, which would allow me to pay this loan off faster. I am not able to maintain a financial lifestyle that will allow me to pay my essential bills. This is causing NSF fee 's that will ultimately force me to close out my bank account.
|
| 04/15/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
This loan was originally opened around XX/XX/XXXX. As with another payday loan I have been having problems with paying this loan twice month. On XX/XX/XXXX I withdrew their ACH authorization to withdraw funds from my checking account. I have had to close that account. The payment negotiations they have provided still have twice a month payments. According to my records I have paid {$1600.00} on a {$750.00} loan. I live in Virginia.
|
| 03/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I took out a payday loan for real I recall maybe three I kept getting harassing emails that I was going to go to jail if I didnt pay right now Im paying a total of 11 loans every two weeks ranging from $ 100- {$50.00} I want to know is there a way I could find out how many loans I have outstanding as I dont Recall and in drowning in debt I have a husband is disabled and I cant remember ever having 10 loans please assist if you can
|
| 04/29/2022 |
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
|
|
Web |
|
|
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 a account without my written instructions.
15 usc 1666b : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 03/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
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Web |
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Im am currently recovering from an unexpected financial hardships and I cant afford the payments on this payday loan. I am also working with a credit repair company to improve my credit report, including terminating this payday loan with SpeedyCash in the amount of {$2100.00} due to the aforementioned and furthermore the age of this account, being opened on XX/XX/2018. In addition this account shows to meet the FCRA requirements.
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| 02/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I received a call this morning, XXXX XXXX on XX/XX/XXXX, from a XXXX with Ad Astra Recovery Services Inc. She was calling me in an attempt to collect a debt. I was informed that I owed money for a short term personal loan from XX/XX/XXXX for {$600.00} through Speedycash.com. I have never in my life taken out a personal loan, nor would I. This is absolute fraud! I have no documents, no nothing ; I was only just made aware of this!
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| 01/04/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Ad Astra collection agency did not sent me a collection letter for a chance to dispute this. This isn't being fair to me for them to just go ahead & place this on my credit file without giving me a right to dispute it. They will just come back and say they don't have to send me a collection letter. Yes they do I know my rights that they have to first notify me & they didn't! Or they will pull this trick saying they can't find me.
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| 07/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights.
15 USC1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.
15 USC 1681 SECTION 604 A SECTION 2 : ALSO STATES A CONSUMER REPOORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT A WRITTEN INSTRUCTIONS.
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 PURP [ OSED.
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| 07/19/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Struggling to pay your loan
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Web |
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I have a derogatory mark on my credit score from rapid cash LLC. During that time I was going through financial hardship from job loss. The interest rate that was applied to this loan was too much for me to pay at the time and it took a while for me to get back into the workforce and now I have not been able to get a hold of them in order to resolve this issue. I would like to be forgiven the negative remark on my credit report.
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| 08/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Friday, XXXX XXXX I have received a letter stating that my complaint has been closed due to CFPB feeling as though the complaint was not sent by me personally. I Authorize, notarize, and authenticate all disputes/complaints made on behalf of my credit report. I will not tolerate anymore hassle behind disputing this collection account. I demand my complaint is re-open and this collection account terminated from my credit report.
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| 07/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I have contacted the credit bureaus on inquiries that were not mine they said they cant take them off. they cant dispute them they remain for two year. this may be the case if I authorized those inquiries but I did not. they told me to contact the creditors pertaining to the in inquiries which I did. they said I have to contact the credit bureaus. so between XXXX XXXX and XXXX I am getting the run around with no type of help
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| 01/17/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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AD ASTRA RECOVERY SERV at XXXX XXXX XXXX XXXX, XXXX, KS XXXX has been sending me collection notices in the amount of ( {$250.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I would like this collection removed from my credit report with all 3 agencys XXXX, XXXX and XXXX immediatly.
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| 08/20/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Received a loan you didn't apply for
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Web |
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Per my XXXX report it states that the loan was opened on XXXX of XXXX ; I'm not sure how someone was able to make a copy of my driver 's license ; get a loan under my name as well as sign for a loan. I've tried calling the company in the past as well as disputing the inaccurate information on my credit report and the company done nothing to investigate it. According to the credit report the amount of the loan was {$920.00}.
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| 08/10/2015 |
Yes |
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- Can't stop charges to bank account
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Web |
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I have dealt with this company before. My paydays are on Thursdays. This is the date that I want it taken out. When I signed up for this loan they did not tell me they were going to take it out on Mondays till after I got the money. Now I am charged banking fees on top of the loan fees.
Bank of XXXX, XXXX IL. charges XXXX for each charge that is in the negative I called them an told them this and they refuse to move the date
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| 10/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Report provided to employer without your written authorization
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Web |
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In accordance with the fair credit reporting act this creditor has violated my right under 15usc 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
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| 06/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the fair credit Reporting act XXXX XXXX # 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 furnish a account without my written instructions.
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 and purpose.
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| 05/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 SECTION 602 states l have the right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 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.
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| 04/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Received a loan you didn't apply for
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Web |
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According to XXXX XXXX I have a derogatory mark for a speedy cash loan. However, I have never applied for a loan besides student loans. Also at the time that the speedy cash was given out I was XXXX XXXX XXXX and did not know what speedy cash was. I have no way of even accessing an account or having an account number. If the company was to look at my information Im sure I would be able to prove I did not apply for this loan.
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| 04/19/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Can't contact lender or servicer
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Web |
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I recieved a call that I got approved for a loan and that the ftc would deposit money into my bank account and I Had to go at XXXX in the morning to XXXX XXXX and wire the money back or my account would be closed. I Did not wake up in time and my account was closed. The compamy wrote a check. Asked me for my bank login information and deposited the check as if it was me. They even endorsed the check with my name in the back.
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| 10/02/2015 |
Yes |
- Debt collection
- Payday loan
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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This collection agency keeps harassing me about an account that was a predatory loan. I will literally be paying this debt until I am dead. I asked them to verify the debt and requested the original debt amount and contract with my signatures, because the amount they are trying to collect is not the original loan amount. It has been over 45 days and they have not sent me proper validation. No bill, no statement, no contract.
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| 12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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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 a account without my written instructions 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 purpose
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| 11/17/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Some accounts in department of collection reflect amount that I have to pay for.
AD ASTRA RECOVERY SERV Reflecting {$240.00} of debit ..date opened XX/XX/XXXX, XXXX should close and delete this account.
XXXX XXXX XXXX reflecting {$600.00} of debit ..date opened XX/XX/XXXX, XXXXyou should close and delete this account.
THE XXXX XXXX reflecting {$690.00} of debit ..date opened XXXXyou should close and delete this account.
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| 08/01/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I had my identity stolen for this and other pay day loans and taxes. It should also reflect in my personal social security information. Ive had the other pay day loan companies remove from my credit profile but Speedy Cash is very persistent. I also Im given a PIN number to file my taxes every year because of this. Ive tried for years to no avail and is hurting my opportunities to get mortgage and extended lines of credit.
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| 12/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Problem with the payoff process at the end of the loan
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Web |
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XX/XX/2017 I took out a XXXX loan from speedycash and since then, for a year straight, I've made every single payment required and my account is only XXXX. I've called and asked to refinance but the customer service representative said the loan company doesn't offer anything like that.
I've paid over XXXX $ to this company. I'm just a customer who needed money for bills and a year later I'm still feeling the reprocuctions
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| 07/27/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX XXXX XXXX SERV Account Number : XXXX
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| 12/05/2016 |
Yes |
- Debt collection
- Payday loan
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- Improper contact or sharing of info
- Contacted employer after asked not to
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Web |
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My husband was at our place of employment when someone called for me. The receptionist answered the call and someone asked for me. She said I was n't available and asked what this was in regards to and the man said business. My husband traced the phone number off the caller ID and it was from Kansas. Speedy Cash is from Kansas and I did have an account with them. I asked them not to contact my employer and they still did.
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| 10/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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There is a online payday loan that keeps coming up on my credit report from speedy cash it is not mine, i have disputed it for years it goes off my report then they put it back on my XXXX again. its got the date of XX/XX/2015 for XXXX i did not do this someone did fraud on my account.i contacted the debt company that has the debt and they told me to go this route. its through XXXX XXXX. THERE EMAIL ADDRESS IS- XXXX XXXX
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| 12/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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My Rights have been violated according to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 : States I have the right to privacy.
15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
15 USC 1666B : States a Creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
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| 11/21/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Ad astra keeps reporting inaccurate information on my credit for a debt that is not mine. I didnt receive any written notification about the debt. My credit file says its account number XXXX.
When I try to call them I cant verify the personal information so they cant help me. Bottom line is its not my debt and they never provided debt validation per my request, therefore the debt must be deleted from my credit report.
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| 02/07/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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I called and spoke with a representative about a {$460.00} loan that with interest currently is over {$800.00}. I asked if i pay {$500.00} can they forgive the rest. They replied No, they weren't ready to make a settlement offer. The next day they called that afternoon twice. On the second time i asked them not to call again. They responded by they will continue to call because i owe them. All calls should be recorded.
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| 01/02/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Money was taken from your bank account on the wrong day or for the wrong amount
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Web |
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I made a payment to speedy cash. I was aware that I owed them money.However they withdrew the entire amount that I owed them without my permission. I was making payments to the company. When I called them to complain they refused to reimburse the amount. I had to contact my banking institution and report it as fraud. I would like to sue speedy cash for violating its terms with the fcra. I was having a financial crisis.
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| 04/14/2016 |
Yes |
- Debt collection
- Payday loan
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I submitted a debt validation request to XXXX XXXX XXXX on XX/XX/2016 and when I tried to verify with a representative, XXXX, about the company receiving my request he told me that XXXX XXXX XXXX refuses to comply with the debt validation unless I give them permission to contact me by phone to discuss my account and continue attempts to collect the debt before proving this debt is mine. This is a violation of the FCRA.
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| 07/11/2015 |
Yes |
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- Charged fees or interest I didn't expect
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Web |
Older American |
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I applied for this payday loan in XXXX of 2014. I borrowed XXXX. At least I thought this was a payday loan. I told them I received my pension on the first of each month. I have been paying XXXX a month for an entire year. So far I have paid XXXX dollars on this loan with only XXXX going towards paying off the loan. I did not know this when I took out the loan. I am on a fixed income right now and this is destroying me.
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| 03/23/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Ad Astra Recovery Service has been sending me collection notices in the amount of {$400.00}. This collection has been reported as a past due balance. I do not know this company nor have I ever done any business with them. This company does not have a contract agreement with my signature in writing agreeing to any debt nor have they provided me with enough information to accurately confirm that the debt is indeed mine.
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| 01/13/2021 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Law is clear, account have to be 100 percent accurate & consistent under the FCRA & FDCPA, and these account is vastly different if your sources is the same. XXXX credit bureau reporting the account is open XXXX credit bureau reporting the account is collection, both can't be accurate this is a violations. each reporting a total different account name which is high lighted this is a violation both can't be accurate.
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| 12/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
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| 09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.
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| 09/09/2018 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I paid my speedycash loan with XXXX XXXX XXXX, which I have the receipt. I got a letter in the mail that have taken over the acct from XXXX XXXX XXXX XXXX. XXXX XXXX is the company reporting to the credit bureaus about this and XXXX XXXX XXXX says they should not even have this SpeedyCash acct. As result, XXXX XXXX is extremely rude to me and wont except that I have paid with XXXX XXXX XXXX and want me to pay again.
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| 12/03/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Problem with the payoff process at the end of the loan
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Web |
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I applied for a speedy cash loan which was {$350.00}. I paid by the money I owed which was {$1100.00} now speedy cash is telling me I have to pay and addittional {$470.00} and I have to pay the full amount or refinance with more fees which I dont have I have been paying {$99.00} every two weeks per pay check. Is their any way I can get around paying the extra {$470.00}? I would really appreciate your feedback thanks
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| 10/18/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH AD ASTRA RECOVERY SERVICES INC. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
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| 01/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Older American, Servicemember |
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I'm getting several loan and credit card statements saying I've opened all these accounts and it's not me.
XXXX XXXX XXXX Application # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX- date XXXX - {$200.00} approved XXXX XXXX XXXX- XXXX account XXXX ending XXXX and XXXX XXXX XXXX Ad Astra Recovery ServicesXXXX Inc.- XXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX Approved XXXX XXXX XXXX- Account number XXXX $ XXXX approved
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| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with The Fair Credit Reporting at, this creditor has violated my rights. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section 604 a ( 2 ) States consumer reporting agency can not furnish an account without my written instructions. 15 USC 166 b state a creditor may not treat a payment on a credit card account under an open-end consumer Credit plan as late for any purpose.
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| 07/20/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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OnXX/XX/XXXX 2021 I sent my dispute to this company about a account that was opened under my name without my knowledge or consent. And to date I still have not received any kind of response to my complaint or to know if they did any kind of active investigation into this matter. I have attached a copy of letter sent to company along with police report that I have been a victim of identify theft in this matter.
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| 03/08/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I do not recall ever doing business with speedy cash. I also didn't receive documentation prior to the debt being listed on my credit by this company. Another company couldn't verify this information as it is fraudulent now this company XXXX XXXX XXXX XXXX XXXX has relisted the same account on my credit. I would like valid proof of some original documentation with my signature that this account belongs to me.
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| 08/31/2017 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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This is a collection of a payday load. I did not know at the time but since my husband was in the military at the time they should not have given me a loan with a 300 % interest rate in the first place. I have already paid the principal back plus 6 % ( my husband was activated to the XXXX so I qualify for SCRA ). This collection agency continues to try to collect and has put negative information on my report.
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| 11/13/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on AD ASTRA REC. Per FCRA, reporting must be 100 % accurate or the information must be removed. Asses this reporting by making a revision of the information provided. Change and perform any corrections or eliminate this from my personal file.
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| 04/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Can't stop withdrawals from your bank account
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Web |
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XX/XX/2019 revoked there authorizations to Ach payments on my account. There Ach agreements are deceptive. They don't want to cancel your Ach, so they make it almost impossible to cancel. Telling you there has to be an alternative payment method before they can cancel. That's not true. By law you don't have to give this to them to cancel Ach. By law An Ach agreement is invalid if there's no way to cancel it.
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| 01/10/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Sent a letter to XXXX XXXX XXXX in XX/XX/2020 requesting validation of debt.. As of today I have not received any correspondences from this company. I understand that the y had 30 days to respond to my in regards to any and all information they obtain that validates this debt and insure that it does belong to me and that they have the right to collect this debt. To be noted I have no knowledge of this debt.
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| 04/03/2019 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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A loan was taken out from a company called Speedycash. I then realized the loan was a complete rip off and was illegal in the state if Virginia. No online loans are legal in Virginia. The company would not acknowledge. It was turned over to XXXX XXXX collection agency which I disputed explained the loan was illegal and not enforceable. XXXX XXXX then placed a collection on my credit report which is illegal.
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| 12/03/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Ad Astra company continues to call my phone number about this debt and I have no idea wheres it is from. If it is a payday loan collection, the loan was paid directly to the company. I even hired XXXX XXXX XXXX to help me minimize my debt and Ad Astra rejected their attempts to resolve this alleged debt. This company is on my credit report, harassing me, and not complying with efforts to resolve the issue.
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| 05/02/2019 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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There's a collection from ad XXXX ( speedy Cash ) has been calling and threatening arrest for s debt that I know nothing about! I've requested proof that I received a loan ( signature, paperwork etc. ) But have received nothing! ; yet they refuse to remove it from my credit files! I block the number they call from and they just call from another number. I'm not gon na pay for something I know nothing about
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| 04/04/2017 |
Yes |
- Debt collection
- Payday loan
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XXXX and Speedy Cash sent in a collection that is not mine. My SS and my daughter SS was taken. I never was verified in writing of this debt and needs to taken off the report Thursday XX/XX/XXXX I was called a man name XXXX stating he was coming to my home and serving me in XXXX County. He used abuse language and he was coming to my home. I called the police. This is also an illegal and possible civil suit
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| 07/27/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Problem with the payoff process at the end of the loan
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Web |
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I took loan out months ago made installment agreements.
In last 2 days I have received 5 emails from a supposed attorney threatening and harassing me to pay up. According to her the only way to pay was via a XXXX XXXX card? Can you say red flag!!! When I didnt respond to her threats she got worse by threatening I was going to be arrested for fraud my ssn was going to be held the irs told and my employer.
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| 08/10/2016 |
Yes |
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- Payment to acct not credited
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Web |
Servicemember |
|
I had applied for a payday loan with speedy cash in XXXX. This loan was not paid back on time, so the lender turned it over to a third party collector. XXXX had several lenders that was trying to collect funds on behalf of other lenders I had payday loans with. Loan shop, XXXX ect ...., but I was told that all these lenders were paid on XXXX XXXX XXXX. Speedy cash is still reporting my account delinquent.
|
| 01/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Although this account is paid in full ( confirmation via email dated XX/XX/XXXX ), I received a copy of an email dated XX/XX/XXXX from XXXX addressed to XXXX stating that they were to proceed with a debt recovery case against me in the amount of {$1100.00}. Not only is this account paid in full, it exceeds the statute of limitations. I'm tired of these scammers getting away with this and I've had enough.
|
| 09/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX and XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), AD Astra Recovery Service ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) has violated my rights with the reporting to my credit report.
|
| 11/06/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2020 I was notified that the collection agency named : placed a collection account on all three of my credit report. I was not notified in writing to my current mailing address and given the right to dispute this account. By doing this they have broken the rules of the Fair Credit Reporting Act.
I do not have a contract with this collection agency, nor do I have any knowledge of this account.
|
| 05/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Original debt : Speedy Cash on XXXX XXXX in XXXX.
Debt collector : Ad Astra Amount : {$3600.00} Date on XXXX : XXXX Date of original debt : XXXX I was working in XXXX XXXX at the time this debt allegedly happened. I have never had an account with Speedy Cash. I have been dealing with identity theft from another XXXX XXXX for going on 20 years. Requesting permanent removal from my credit report please.
|
| 03/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX KS XXXX XX/XX/2022 Re : Account Number XXXX
|
| 02/07/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In early 2019 I borrowed {$250.00} with {$50.00} interest. for 30 days. I finally repaid it in XXXX the whole {$300.00}. The company attempting to collect is XXXX XXXX XXXX They have made many threats to collect even though I have informed them that the debt has been paid. They are now saying I could owe as much as {$6300.00}. It appears that they are active trying to do the same thing against others.
|
| 03/25/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I contacted the national XX/XX/XXXXand the offered me a settlement of XXXX and it had to be paid by XX/XX/XXXX. I made to separate payments XXXX and XX/XX/XXXX and when I tried to dispute it they are saying i still owe XXXX dollars and when I tried to get on there website to see what the reason is for the balance it is saying it is locked for security reasons but it was open when I made the payments.
|
| 06/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
The original debt was {$530.00} from Speedy Cash. I do not remember the original date but it was over 7 years ago. In XXXX or XXXX of 2020, I noticed It was removed from my XXXX credit report. Now it's back on my XXXX credit report from a debt buyer, XXXX XXXX XXXX with a different open date of XX/XX/2020 and their collection date opened on XX/XX/2020. I also did not receive any collection notices.
|
| 01/31/2021 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
Dear Speedy Cash credit reporting department I have 3 hard Inquiries on my credit report Did you get three separate and complete applications even so only one should've reported only one counts regarding this loan on XXXX. Can you send me a copy of such applications. There are two hits on XXXX and one on XXXX. Please help me clear this up is affecting my credit score I am trying to rebuild. Thanks.
|
| 04/04/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a collection debt with SpeedyCash that was being reported on my credit report by a collection agency named XXXX XXXX. In XX/XX/XXXX, I contacted XXXX XXXX and reached a settlement agreement to resolve this debt. The settlement arrangement was funded on XX/XX/2018. For some reason, XXXX XXXX is still reporting that I owe {$480.00} to Speedy Cash, even though I settled this debt two months ago.
|
| 06/10/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I had a payday loan due date on XXXX of {$330.00}. Came to the office to pay cash, they did not take payment because they said they already got at XXXX money from the bank from my debit card. I went to the bank to deposit {$330.00} and in the bank they told me that charge was {$250.00}. I called Rapid Cash and they said it was a charge of {$20.00} because they tried to withdraw money twice that day
|
| 10/12/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Ad Astra Recovery Service reported me to 3 Bureaus.
I don't know them.
Never borrowed from them.
No loan was ever taken from them or any other company on XX/XX/2020 as they claim.
No demand letter ever sent to my address.
I don't know this company. Ad Astra RecoverXXXX made a false report as to any loan I took, date I took or even amount I took.
I never borrowed {$4700.00} from this company.
|
| 05/17/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
Threatening emails concerning money never loaned to me from scamers. Company name used is Speedy Cash and they don't loan money to people in Georgia. They are aware of scams & told me to ignore, which I have. I received first email from XXXX XXXX & second today from XXXX XXXX but I am sure that is not their real names. attempted to forward to your given email site XXXX but they would not forward.
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have two accounts on my credit report that I did not give permission for. Ive tried contacting the companies since XXXX. Recently in XXXX of XXXX XXXX XXXX was taken off my report due to non verification. It just popped back up around XXXX. The credit companies are saying it is verifiable, but I have not been provided with anything. Ad Astra is also ignoring me in trying to fix this situation.
|
| 08/21/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I did not receive any notification that this debt was sold to XXXX XXXX XXXX XXXX nor was I able to confirm or deny this debt is valid. Additionally, the debt was removed from my credit report in XXXX 2016 and now has reappeared. The debt does not meet the requirements set forth by The Fair Debt Collection Practices Act ( FDCPA ) and The California Fair Debt Collection Practices Act ( CFCPA ).
|
| 05/16/2016 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
I went in speedy cash on XX/XX/XXXX2016 to apply for a loan but I was told by a speedy cash rep. That I already had an existing account with them.I told the speedy cash rep. That the existing account was not mine and I have never gotten a payday loan from speedy cash.so based on the existing account not belonging to me I have been permanently blocked from getting a payday loan from speedy cash.
|
| 08/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2022, The debt collecting company Ad Astra Recovery Service Brought a debt from XXXX XXXX XXXX. And has reported this debt to my consumer reports accounts with out prior consent. Not only has this affected my credit report negatively, but I have also been discriminated against by banks and lenders which ultimately affects my family. These abusive practices has hindered forward growth.
|
| 08/29/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I sent this company an affidavit of truth stating how they violated me according to the laws of the FDCPA. I also sent them an invoice as they are liable to remedy me and they have not paid the invoice nor have they rebutted the affidavit, meaning they have accepted it as true so my invoice for {$11000.00} is valid and will be paid. Thanks for nothing, court documents on the way. I can't wait!
|
| 10/29/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
This company contacted me after I was looking for a loan. After they asked me for my user name and password in witch I sure supplied and after already being approved they then went into saying they was going to put some money in my account and take it out then submit the loan I changed my password to my bank account. Currently monitoring my account but they do have access to all my information
|
| 07/17/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I signed up for a payday loan, and whereas most agencies charge a reasonable fee, even for long-term payday loans. SpeedyCash is charging me {$1300.00} for a {$390.00} loan! According to the paperwork that's 634,88 % ... Isn't that a tad bit obscene? Most agencies charge like {$50.00} at the most for finance charge, even for longer term loans. Isn't that {$1300.00} just a tad bit excessive????
|
| 10/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
Speedy cash debit {$310.00} from my account for a loan that was not even mine. I spoke with them and they refused to give me my money back. The loan was for my sister who used my care to pay a one time payment. They debit my account on XX/XX/2019. I spoke with them XX/XX/2019. They were the ones who refused to work out a payment plan with her. XXXX XXXX her name and the account number is XXXX
|
| 07/26/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
XXXX XXXX has used multiple debt collectors Like Ad Astra located in California who have called multiple times using abusive degrading language after I told them to stop. I recently had a call at XXXX and I live in the eastern daylight time zone while California is in the pacific time zone . I get at least 2-8 calls a week even after telling them to stop calling my phone at these late hours
|
| 04/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
After viewing my report I noticed this account that I have never applied for credit nor any written communication with. Pursuant to FDCPA 1692g I have requested for a validation yet you have failed to do so. FDCPA section 807 8 if you can not validate the debt that is a valid reason to remove it from my credit report. They have violated my consumer rights under the federal law FCRA & FDCPA.
|
| 08/23/2019 |
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
|
|
Web |
|
|
I pulled my credit the first week of XX/XX/XXXX and found a number of unauthorized inquiries, this being one of them. I sent them a letter dated XX/XX/19 that asked them to either provide me with proof of authorization or remove this inquiry from all of my credit reports because I do not recognize and did not authorize such inquiry. It's XX/XX/19 and I still haven't heard from this company.
|
| 07/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Filed a dispute with an old payday loan that has been paid in full. Asked XXXX XXXX to investigate and verify the account. The account still shows charge off and also derogatory on my credit profile. The creditor agreed after payment to remove from all three credit bureaus. Which was a lie. The payment history is showing unknown therefore it is an unverified account reporting to my credit.
|
| 11/05/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I received a loan due to an emergency XXXX 2014 in the amount of {$750.00}. I 've paid {$1000.00} back and the balance is now {$2300.00}. The company told me they 'd accept a settlement in the amount of {$1700.00} in XXXX installments which would totals me paying back {$2700.00} when my current balance is showing {$2300.00} after a year worth of payments. It was done through speedycash.com
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : SPEEDYCASH.COM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/2022 Re : Account Number XXXX
|
| 04/01/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I've received an email from a collection agency, XXXX XXXX stating there will be a lawsuit for an extensive amount of money of over {$2000.00} for a debt unknown to me. They're representing the company named Speedy Cash, which states there's a balance of {$900.00}, which I've never borrowed. I've never borrowed over {$300.00} and if I did borrow anything from them it was over 9 years ago.
|
| 08/29/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I got a Loan for {$500.00} from speedy cash in XXXX. It was not totally paid. In XXXX, XXXX put it in my credit report that it was opened in XXXX even though it clearly shows that the last pymt was in XXXX. They did this because the seven year reporting period was expiring. So now it shows as a new debt that is in collection and will negatively affect my credit for seven additional years.
|
| 05/10/2016 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me instead of my attorney
|
|
Web |
|
|
The selection above does not match my complaint exactly. They contacted me during the inappropriate hours.
Contacted me at : XXXX on XXXX/XXXX/2016 XXXX on XXXX/XXXX/2016 In spite of the Fair Debt Collection Practices Act and the Rosenthal Act in California, where I live, receive calls during inappropriate hours. These calls can be coumented on my XXXX account. The calls were from XXXX.
|
| 04/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
Hi I'm Very upset this is Disturbing too I cant see my credit score since I've been home from XXXX all kinds Things Went On I Cant Do Anything I AM NOT DECEASED MY NAME IS XXXX XXXX XXXX MY Address is XXXX XXXX XXXX XXXX LA XXXX last four of my ss XXXX birthday XXXX I Have No Knowledge Of These Address on my Report Besides XXXX XXXX XXXX XXXX LA XXXX Please reach Back out I need ANSWERS
|
| 08/24/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Speedy cash opened on XX/XX/XXXX Balance is {$1000.00} Debt collectors are XXXX XXXX XXXX XXXX I have disputed through XXXX and XXXX The most recent dispute was XX/XX/XXXX Started disputes on XX/XX/XXXX and sent disputes every time it was open again.
This is not an account opened by me. I have never been to a payday loan place. I have no record of receiving XXXX dollars in XX/XX/XXXX.
|
| 02/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a loan that was 360 %. I had no idea however I paid it off in full and its still going. I called the company and it is still not resolved and the debt just keeps going up. Even though I had already payed it off in full. The company in name is called speedy cash. I already talked to them and explained I payed the debt off in full even though it keeps going up with each passing day.
|
| 07/14/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I just noticed this amount on XXXX XXXX and on my credit report. I contacted XXXX and they said it was verified, I do not have good credit and there uis no way and i DID not open this balance and nver would with payday loan and not sure how i could I cant even get a car loan right now. So i need help getting this off my credit report because I am trying to move and get a rental place.
|
| 11/03/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The date the account was supposedly open was XX/XX/2020, amount owed to this company is {$1400.00}. I never open an account with this company, I don't do pay day loans and never gave anyone my permission or personal information over the phone or computer to get money. I realized that this company was saying I owed them when I was checking my credit and I know I don't owe them nothing.
|
| 05/03/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Speedy Cash hacked into my personal account without notifying me when I was making payments and saved my card information even though I have n't changed my banking information and illegally collected the remaining loan amount from my account. These XXXX at the banks and IRS think their going to make everyone 's credit decision fraudulently for them because their the sickest XXXX .
|
| 08/10/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
First Heritage has my phone number but instead they call my job every day sometimes twice a day and almost has made me loose my job this is not cool at all. I have asked them to stop they will not do it..
First Heritage Credit XXXX XXXX XXXX reviews Loan agency in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hours : Open Closes XXXX Phone : XXXX XXXX XXXX XXXX
|
| 03/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Upon looking at my credit file, Ive found some discrepancies that need to be corrected. I do not have any recollection of dealing with this company. This is not my account nor debt. I and requesting that they provide me with legal validation that this is my debt. In the meantime, stop reporting to every credit reporting agency until legal validation is provided that the debt is mine.
|
| 12/15/2015 |
Yes |
- Debt collection
- Payday loan
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
I called speedy cash to provide my bankruptcy case number, lawyer 's name and phone number the day after I filed. Speedy cash then proceeds to deduct money out of my account after this information was given. The customer rep I spoke with said she noted it into my account. I called a second time after this happen and a different rep said there was no record of the initial phone call..
|
| 11/02/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have requested information/ validation on this debt bearing my signature and have not recieved anything stating that I owe this company any money. They have repeatedly responded that they have investigated and verified the validity of my debtand dont even allow me to dispute their claim. I have never done business with XXXX XXXX, never signed a contract nor do i owe them any money
|
| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I have contacted them every month since XXXX and i have made a payment every month since XXXX on time and i still ole for XXXX. THEY WILL NOT UPDATE it showing late every month which a late charge is being taken from payment every month. THIS COMPANY REFUSES TO FIX THIS PROBLEM. I WAS PAYING THEM THROUGH PAYROLL DEDUTIONS.I STOP IT THIS MONTH BECAUSE MY BALANCE WAS NOT GOING DOWN.
|
| 01/06/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Ad Astra Recovery is still reporting and trying to collect a debt amount of {$290.00} for a payday loan from XXXX XXXX who already was paid in full directly. Ad Astra needs to be removed from my credit file immediately upon this information. I do not owe Ad Astra any money at all and it is invalid and fraud for them to continue to attempt to collect money for a debt I do not owe.
|
| 09/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. They have had 6 months and 3 dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
|
| 08/19/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
XXXX XXXX I took a loan for {$1300.00}. Not fully understanding the XXXX fees and called they made it seem as if it would be very easy to repay back. My interest is at 680.130 % which will make it impossible for anyone to pay that loan off. The interest is curriculum on daily which the total would be at the end of loan {$4400.00}. That is clearly ridiculous for a short term loan.
|
| 07/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was a victim of the 2017 XXXX breach and as result, identity theft has accorded and a account was fraudulently opened in my name. I have already filed a complaint with the FTC, contacted credit bureaus, and contacted the company. XXXX XXXX XXXX XXXX is a fraudulent account and is not mine. I have already asked for the account to be removed from my credit bureaus and it hasn't.
|
| 12/07/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
|
| 11/01/2016 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
Lender deposited check before time I was told it would be deposited. Funds were not available and check was sent to collections. Lender then deposited check and withdrew full amount after I made a payment arrangement with collections department. Collections department was also rude and gave no option to pay back loan, although I insisted I needed a due date closer to my payday.
|
| 03/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
After reviewing my credit report, I noticed an account from XX/XX/2020, from First Heritage Credit, stating I had a balance of {$150.00} past due when the account was paid in full on XX/XX/2020. I contacted the credit company, and she stated she would make the credit reporting company know about the issue. It yet has been updated. This issue looks very bad on my credit report.
|
| 07/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
They have not sent me anything in the mail or any other correspondents to verify a debt which violates my federal rights according to Fair Credit Reporting Act and FDCPA. I want to exercise my right to lawful question the validity of a debt from a company that is not even allowed to collect anything in the State of TN. They are not licensed & bonded as required by State of Tn.
|
| 01/27/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt occurred in XX/XX/2011. That was 8 years ago and should not legally be on my credit report. It was incurred by my ex husband XXXX XXXX who fraudulently applied and used the funds sent to a joint bank account that was not closed. I demand this be removed immediately This account has been sold to a third party collection agency several times .... this should be illegal
|
| 01/14/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Was notified by a collection agency that they were attempting to collect on an online loan made by someone using my name and social security number. The said loan was made in 2014 but the company is just now attempting to collect. Collection agency has not been forthcoming about any information and will not verify any details about the fraudulent loan ; all they want is money.
|
| 11/15/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Ad Astra Recovery Services , Inc. is reporting debt to all three credit bureau, but I never received a single letter from this company. I was never given 30 days to dispute the debt. I have know idea who this company is. I lived in XXXX XXXX for XXXX years and moved to XXXX in XXXX. Ad Astra Recovery Services has no proof sending any letter to me giving me 30 days to dispute.
|
| 05/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Started a dispute through XXXX XXXX XXXX XXXX turned around and said they have the correct information. They do not. I did not open this account. Therefore, I am not paying this debt. I explained how my phone had been hacked, along with my computer a while back. this is fraudulent. This has caused me nothing but a huge headache since I have had to close all my bank accounts.
|
| 12/20/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
XXXX XXXX XXXX XXXX continue to call my cell phone while I was at work. I answer the phone and ask for them to not call during my work hours. The agent rudely stated she will call as many times as she likes, I hung up the phone because I was at work and she called back 7 more times repeatly. That was very stressful because I had to turn off my phone so she would stop calling.
|
| 10/13/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
Hello. I missed a payment with a company called SpeedyCash. I called them, apologized, and promised that I would pay them on my next payday. I asked them to stop calling me. In spite of my contacting them in good faith and my promise to pay, they have continued to call me even though I officially asked them to stop. I have written them a Cease and Desist request as well. -- -
|
| 07/25/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I pulled my credit file and saw I had one ( 1 ) collection item from XXXX XXXX XXXX XXXX. The creditor is Speedy Cash XXXX XXXX LA. I have not done business with this company and I do not owe an amount of {$1300.00}. I t states the date of 1st delinquency is XXXX. Please conduct an investigation and provide information of who, what, and when the loan was taken out in my name.
|
| 10/15/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have disputed this particular account numerous times with the credit bureaus and they keep listing it as verified. I have sent debt validation letters and spoke with them via telephone and no avail. I asked for to see contract with my signature and was sent documents unrelated to this. Across the board each of the bureau are not in unison. The entire account is inaccurate.
|
| 10/10/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
On XX/XX/XXXXn I got a Personal Loan from Speedy Cash.
I did follow with the payment arrangements until later XX/XX/XXXX when I couldn't continue with them due to personal issues.
Taking the current situation, I'm not in a position to pay this loan, therefore AD Astra Recovery Serv. is charging me XXXX .
Thank you ahead for helping me resolve this matter.
XXXX XXXX
|
| 03/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
On XX/XX/2014 someone went online & received a payday loan in my name. Not sure of the amount of the loan, but I am responsible for {$380.00} on my credit report. I am in the process of purchasing a home and this shows up. I have not gotten a loan from Speedy Cash and dont think I should be held responsible. I need it remove off of my credit because it was not me. Please!!!
|
| 06/21/2021 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
- Problem with customer service
|
|
Web |
|
|
I have asked the collection company to get this validated and they indicated they were reaching out to the company that was over a year ago, I want XXXX XXXX to validate this debt. If this was mine there should be something on their file with my signature. I want that evidence ASAP! this thing goes from collection company to collection company always with a new open date.
|
| 08/25/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I received a loan for XXXX originally applied for XXXX and only took XXXX I got charged for the money I never picked up I paid XXXX on my first installment and I still owe XXXX. The interest is a rip off how can I get the amount paid if the interest does n't go down with a smaller amount due. I do n't get payday loans for this reason easy to get into hard to get out of!!!
|
| 12/23/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Ad astra has been contacting me about a loan from XXXX XXXX, this needs to be investigated and removed from My credit file until they can verify I am responsible for this debt this needs to be removed from my credit file. I do not own this debt I do not authorize them to report this fraudulent account on my credit file I have sent over police report to original creditor.
|
| 05/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ad Astra is alleging I have an open account with a balance of {$310.00} dollars owed since XX/XX/2018. They have failed to provide me with proof I opened the account, they do not have my signature on any paperwork for the account, and I do not recall opening this account. This is a defamation of my character and the collector refuses to remove the account from my credit.
|
| 04/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
They are reporting information that's not mine. I had several break ins over time. To many Data Breaches with XXXX. I have tried to explain to the consumers what have taken place. Have faxed over texts that I have received from XXXX talking about the Data Breach. And the police report number that I had at the time I started notice these fraudulent accounts on my report.
|
| 08/14/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company keep reporting inaccurate to my XXXX credit report I never signed any contracts with this company saying I will pay them never did they do not have my signature saying I agree to the debt they keep giving out a ups tracking number thats not even real this company is lieing to get by and keep reporting to my credit I will like proof that I own this company!
|
| 09/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Negotiated a pay for deletion ; paid in full ; yet the company instead affirmed to the credit reporting agencies that the debt is valid and should remain on credit report. I called them and they stated they sent request for deletion to agencies two weeks ago. However, I spoke personally with all three agencies and they gave me conflicting information. Please intervene.
|
| 07/31/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Attn : Dispute Dept.
To whom it may concern, Im requesting validation of debt with proof of a contract bearing my signature. As of now, you have failed to do so. To report this account is illegal when disputed.
Account # XXXX please provide all paperwork or proof. If not, delete account from the credit bureaus.
My goal is to correct the record on file.
XXXX XXXX
|
| 02/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
In XXXX of XXXX I took out a {$700.00} installment loan from speedy cash. I made payments every month for about 6 months and my balance just kept going up. I tried to talk to speedy cash about it but they just told me that there was nothing they could do and I still had to make payments. They even reported wrong on my credit report. The date is listed for XXXX of XXXX.
|
| 10/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have reached out to the company XXXX multiple times, and requested documentation on this debt. The documentation they provided me did not have my address or bank account. I informed them that this was not my correct address and Ive never lived in that location. They have continued to ignore and have continue to attempt to collect on a debt that does not belong to me.
|
| 05/29/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX Repossessed vehicle and sold it at a profit. They sent me a letter stating that I still owe them XXXX dollars. I paid XXXX in interest before they repoed vehicle unexpectedly.
Also speedy Cash is threatening me to garnish wages and Sue me for XXXX in lawyer fees and court costs..
The debt is old and they sent me a threatening letter demanding payment.
|
| 04/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
|
| 10/15/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I NEVER DID THIS. AND I'VE CONTACTED THEM AND XXXX AND THEY WON'T STOP MAKING THREATING PHONE CALLS..XXXX THREATENED TO BURN DOWN MY PLACE SAYS THEY DON'T CARE ABOUT IDENTITY THEFTED... I was paying this now r with my life.
ATTACHED IS IDENTITY THEFTED LETTER TO THEM. NOT CARING THEY SAID..I WILL PAY R I WILL PAY WITH MY LIFE... THEY THREATENED TO HURT ME THE XXXX...
|
| 03/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Hello, Credit agency did not update credit file properly.
I have not signed any written or verbal agreements with signed companies below : XXXX XXXX, XXXX XXXX XXXX, any other collection and incorrect reporting as lost or stolen. This is incorrect and I did not sign any contracts with the stated agencies.
These items should automatically fall off : XXXX XXXX XXXX
|
| 03/22/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
Contacted the collection agency about the debt. The collection agency is AD ASTRA RECOVERY. I asked to be sent verification of this debt, but was told that I would have to make a payment in order to receive it. Made a payment and never received verification. Contacted AD ASTRA RECOVERY twice afterwards and still have not been given a verification letter for the XXXX.
|
| 03/29/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
XXXX XXXX/Speedy Cash stated on XX/XX/XXXX that a signed agreement with XXXX XXXX was in effect to negotiate a payment on my account.
On XX/XX/XXXX XXXX XXXX/Speedy Cash sent me an e-mail asking about information about my credit card numbers.
Such action is in violation of the signed agreement XXXX XXXX/Speedy Cash have with XXXX XXXX and constitutes harassment.
|
| 02/17/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX is currently reporting on my credit reports for Speedy Cash, the loan was assigned XX/XX/XXXX, I disputed it XX/XX/XXXX, the amount is showing XXXX, I have never done business with XXXX XXXX and I never had a contract with them, before I changed numbers they contacted me saying I was committing a crime and a warrant would be issued for my arrest.
|
| 07/31/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Speedy cash sold my file to XXXX XXXX XXXX XXXX. This was paid and has been disputed with XXXX XXXX several times. They reported on all XXXX credit bureaus, received an attorney letter plus has been disputed with all XXXX credit bureaus since XXXX 2011 and they refuse to remove it. Statute of Limitations in Texas is 4 years. They are a debt buyer illegally reporting
|
| 03/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
There is a online company called speedy cash I think that's the correct name. Anyways, I have noticed a collection for this company for over XXXX dollars. I did not apply for this loan. I am starting to think someone else did or stole my identity.. Furthermore, I recently found out they were taking payments out of my old checking account that I did not aurthorize.
|
| 07/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
I have tried to settle this with speedy cash but they do not give me options. They then send this email threatening a case against me and to press charges for 1. Violation of federal banking regulation act 1983 ( C ) 2. Collateral check fraud 3. Theft by deception ( ACC ACT 21A ) Which carries a maximum sentence of 3 years of prison and a fine up to {$5800.00}.
|
| 01/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
The problem I have with the company is that I do not have a breakdown of what I have already paid to the company. I borrowed {$2600.00} to fix my car and now the terms state I owe {$12000.00} to be paid in 90 payments until XX/XX/2023. The interest is 134.073 % is 10 times than what I needed. That is absurd. The state of California doesn't allow this to happen.
|
| 07/20/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I was contacted about being approved for a loan. XXXX Tuesday the XX/XX/XXXX! As I found out yesterday it was fraudulent company! They deposited bad checks into my aaccout, I was told to send the money back to them to improve my credit score so I could get the loan!. Now my bank has closed my account, they informed me it was all fake. I don't know what to do!
|
| 11/09/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was advised by the business that they would remove the tradeline from my credit report after two years from the date first became delinquent, if the account was paid in full. The account has been paid and it has been two years since delinquency. I contacted the business and placed a dispute through XXXX, yet the tradeline still remains on my credit report.
|
| 11/09/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was advised by the business that they would remove the tradeline from my credit report after two years from the date first became delinquent, if the account was paid in full. The account has been paid and it has been two years since delinquency. I contacted the business and placed a dispute through XXXX, yet the tradeline still remains on my credit report.
|
| 03/24/2021 |
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
|
|
Web |
|
|
The Credit Report Agency and Debt Collector both did a negligent investigation This is a clear error and violations of 15 U.S. USC Section ( a ) ( 1 ) ( A ) - the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.
I will send a copy of original contract that AD ASTRA REC sent me.
|
| 03/19/2018 |
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
|
|
Web |
|
|
I applied for a loan through a specific online source. The site led me to many others that implied that I had not imputed the adequate information and that they'd need it once more. i was later informed that my credit was deeply damaged because different sources had run a hard credit check without my knowledge. I had only knowingly applied to XXXX XXXX XXXX.
|
| 07/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The debt was settled for a pay for delete and I would appreciate a pay for delete goodwill adjustment to completely remove the debt for Ad Astra.
As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt.
Please forward your agreement to the address listed below. I would appreciate it if we could work together.
|
| 11/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
1. Curo Management - 2 inquiries from on the same day on my XXXX. I do not know who this company is and there is no reason for an inquiry on my report I have not applied for any loans.
2. XXXX XXXX - 2 inquiries on my XXXX - I have not applied for any XXXX XXXX accounts. XXXX XXXX keeps showing up on my credit reports and I have not applied for XXXX XXXX
|
| 04/28/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ad Astra Recovery is reporting a fraudulent account to XXXX, XXXX, and XXXX. I have called repeatedly to report this fraud account and they have refused to remove the collection and stop reporting it. Their refusal to remove this fraudulent account reporting to XXXX, XXXX, and XXXX appears to be fraud and illegal business practices rather than any mistake.
|
| 04/15/2018 |
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
|
|
Web |
|
|
I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report.
XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX
|
| 05/26/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
I have already disputed this mark against my credit to XXXX XXXX on the XXXX XXXX website, and it 's been closed. I would like it to be closed with XXXX as well, how do I do this? My credit score is being negatively affected due to fraud and I feel this is an unfair practice as I said XXXX credit reporting agency already removed this.
Thank you, XXXX XXXX
|
| 05/16/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was notified by XXXX XXXX XXXX XXXX XXXX that an owed balance of {$300.00} was placed in collections for a Speedy Cash loan that is more than XXXX years old. I was not formally been notified about the debt, prior to the call or prior to the debt being placed in collections.
It was not identified if these people own the debt or are a collection agency.
|
| 11/21/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I was a victim of Identity theft and this payday loan was part of that. It was removed from my credit report and now it is showing back on there. I have not even received any information regarding this. The only reason it is showing is because I monitor my credit. This needs to be removed from report.I have a affidavit from the FTC that supports my claim.
|
| 10/19/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received a letter from speedy cash debt collection dept threatening to sue me over old debt and also said that if I didn't respond wuthin seven days my bank accounts would be seized thru major credit bureaus and that I was under investigation. They are asking for way more money than the orginal supposed debt. I received this email on XX/XX/XXXX of XXXX
|
| 08/24/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/2018 SpeedyCash lend me {$600.00} and told me they will be taking XXXX from my account every month till when Im going to finish paying but to my suprise they have been taking {$160.00} from my bank account every two weeks since then and the loan balance still remain the same. I called them to complain but they said theres nothing to do about it.
|
| 10/04/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American |
|
Speedy Cash charges 392.591 % and I will loose hundreds of dollars on this loan. They put all of the interest up front and when I make a payment. They mislead you when you try to talk to them and then they lie when they say they never receive my email communication. My partner has a loan as well and they did n't put all of the loan and interest up front.
|
| 10/06/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The account below is not my account. Please remove off credit profile XXXX Last reported XX/XX/XXXX {$1500.00} Opened XXXX XXXX, XXXX ( 1 yrs, 6 mos ) XXXX Last reported XX/XX/XXXX {$0.00} Reported balance This account does not belong to me. I do not know who it belongs too. The balance on the account is XXXX. Please remove off credit profile. Thank you
|
| 05/27/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
XXXX XXXX XXXX call about a loan taken out online at speedy cash in XXXX and called to try and collect I have never taken out loans on line for any type of credit I told the collection agency that I have never taken out a loan with speedy cash and he asked if I thought it was because of fraud I said yes and he directed to this site to report the fraud
|
| 04/04/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
I got a loan from speedy cash for a {$150.00} dollars, but wasn't able to pay it back. So they took money from XXXX XXXX XXXX card without my approval. So I call speedy cash and told them I didn't give permission to take my money. I only get {$770.00} per month. And I wasn't able to pay my rent. I call XXXX XXXX about 20 time and never talk to no one.
|
| 07/14/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I noticed that there is a debt that has been placed on my credit report in collections from a speedy cash I have emailed called faxed over several requests to the debt collection company AD Astra and told them it was fraud due to my info involved in several data breaches XXXX XXXX, XXXX XXXX XXXX and also XXXX my social has been found on the XXXX web
|
| 07/13/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I noticed that there is a debt that has been placed on my credit report in collections from a speedy cash I have emailed called faxed over several requests to the debt collection company AD Astra and told them it was fraud due to my info involved in several data breaches XXXX XXXX, XXXX XXXX XXXX and also XXXX my social has been found on the XXXX web
|
| 03/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Filed dispute with credit bureaus against this collection previously. At this moment the collection has exceed the Statue of Limitations allowable by the state of my residency. Recently searched for said company with XXXX and could not find any trace. Filed report with FTC for fraudulent activities already. Please help resolved this issue. Thank you
|
| 11/20/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
I received an email threatening to sue me over an unpaid pay day loan. They have threatened to take legal action before it is even filed. Refer to the attached document and to comeplaint # XXXX on which it is plainly stated that I was put in the companies do not contact list. They have broken that word to me and to CFPB. Please see attached document.
|
| 02/25/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Company failed to provide me written notice of intend of collection and give me a change to pay. They call my cell phone numerous times every hour through out the day the calls never stop. Its disrupting me while Im at work, and driving having dinner and sleeping. I feel like I pay my cell phone bill just for these people thats how much they call me.
|
| 07/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I applied for a loan that I was approved for on the spot. I was told to sign and was not given any time to read over the paper work, that was several pages long. I was given money and when it came time to pay it was an amount considerably higher than what I borrowed, when I called to work it out with Rapid Cash they told me I signed so I have to pay.
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I have disputed this account multiple times as it is a collection agency collecting on a debt and I do not owe the debt to them as there are no contracts or agreements stating such with me and the actual collection agency ; The debt was sold but I never agreed to such. Please remove from my credit file immediately as this is affecting my livelihood.
|
| 08/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
XX/XX/XXXX, {$810.00}, I checked my credit report and noticed a collection that was reported XX/XX/XXXX. I never received a letter or phone call from this company notifying me of a collection from almost XXXX years ago. I contacted the company and asked why I was not aware of the collection, they gave me a collection department phone number instead.
|
| 02/01/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I received a Speedy Cash Loan and tried to pay them off on XXXX/XXXX/2017. Their Website would not let me pay the loan off so I called them and their office was closed. I called the next day and they are charging me another interest fee on top of the one I already paid. when they should be taking into account that they just took an interest fee out.
|
| 12/28/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
i have 3 collection ref # XXXX, ref # XXXX, ref # XXXX i never request this loans from any company. i have filled a police report because i was a victim of fraud, some is used my identity to request this loan in a Rapid Cash XXXX location. the only reason i find out about it, is because the run my credit report and i find out about this collections
|
| 05/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
About a year and a half ago I took a loan of XXXX dollars and its paid every 2 weeks but because most of the payment goes to interest it never goes to the bill I am still paying almost 2 years in and the interest rate must be illegal and payment every 2 weeks is at least XXXX to XXXX dollars which is crazy something needs to be done with speedycash
|
| 05/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
it is said that I have a Open End Payday Loan from Speedy Cash.
As of XX/XX/2019 it is said that I owed {$320.00}. As Of XX/XX/2019 and today I am charged with a interest fee of {$0.00} and that the total amount is {$320.00}. Ad Astra Recovery Services , Inc. is a debt collector thts trying to collct a debt that is said that I owe to speedy Cash.
|
| 06/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with XXXX RAPID CASH XXXX and I do not have a contract with AD ASTRA REC plus they did not provide me with the original application like I asked.
Account XXXX Amount Disputed : {$370.00} Account No : XXXX Amount Disputed : {$350.00} Account XXXX Amount Disputed : {$73.00} Account No : XXXX Amount Disputed : {$81.00}
|
| 03/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This is not my debt!! This is due to Identity Theft, I have already contacted this agency several times to remove this account from all three credit bureaus as well as cease and desist all collection efforts. I plan to seek litigation against this agency as well as the creditor due to the effect this has on my credit and will seek punitive damage.
|
| 02/13/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have an acct on my credit from XXXX XXXX in the amount of {$240.00} for a payday loan. This acct do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this acct belongs to me. if they are unable to provide documentation I want this removed from my credit immediately.
|
| 01/23/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I 've tried contacting the lender to resolve the issue with no luck. I sent them a certified letter to dispute. They are not willing to work with me and sent me to collections. The balance is incorrect and payments incorrect. I would like this removed from my credit report. They are very hostile and I ca n't speak to people that treat me that way.
|
| 03/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX I went on my credit report to see what I could be eligible for and XXXX hard inquiries were on my report I didn't recognize such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had called XXXX credit places XXXX XXXX and XXXX and the both said they cant do anything without a report from the FTC
|
| 07/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Speedy cash said I owe {$970.00} on a loan I never took out. The company has no record of the loan and told me someone is using their name. I delete the emails but after a couple of months it comes back. The case number is XXXX. They want me to use this email to respond : mailto : XXXX. Email sent from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX.
|
| 08/06/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This company is trying to collect a debt that i do not owe i have never signed any contracts with this third party AD ASTRA Recovery serv nor them or XXXX XXXX office are loacted in the state of virgina This company also stated they have sent paper work through XXXX last time which that was a lie XXXX have nothing on file from this company to me
|
| 05/29/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
I took out a Payday Loan with Speedy Cash in XX/XX/XXXX. They sold my account to Ad Astra, a collection company in XXXX.
Speedy Cash unlawfully went into my bank account on XX/XX/XXXX, to deduct the full balance of the loan. I had no prior communications from them pertaining to this loan. I was not notified at all by them to discuss a payment.
|
| 03/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I got multiple reports related to SPEEDY CASH in the past using the same account which i disputed and resolved with multiple collection agencies, but now XXXX has reported the same false claim on my credit report. This has further hurt my credit. Despite calling them and trying to resolve they did not remove this false collection from my report
|
| 01/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I applied for a loan last XX/XX/2019 in the amount of {$620.00} the limit Im should is {$500.00} for online loans and the interest rate is extremely high my current balance is {$800.00} more than the {$620.00} I borrowed and the company isnt able to do a negotiated settlement amount with me looking for help out of this nightmare Im dealing with
|
| 03/21/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
Speedy cash/rapid cash took two payments out of my bank account without notice on XX/XX/20 worth XXXX after no attempts to collect in past year. It appears Speedy cash/rapid cash are deliberitly collecting on debts during this national emergency. This is unbelievable. I'm out of a job and trying to survive. How can an American company do this?
|
| 09/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Ad Astra Recovery Services was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation.
XXXX XXXX XXXX XXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation.
XXXX XXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation.
|
| 09/13/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I have had a debt collection on my credit report that has been removed multiple times but they continue to report again as a collection. I have not received any reinsertion letter stating this ever and this is a violation of my rights. I want this to be removed from my report permanently as they are using unlawful practices for personal gain.
|
| 07/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
|
| 07/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
|
| 12/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Was not aware I was covered under the MLA until I spoke with XXXX a few weeks ago. I have this installment loan and a credit card with XXXX XXXX. I sent them all my documentation to show I qualified and they are not honoring it. Charging high interest and fees. My husband died on XXXX XXXX. I was not aware I was protected until recently
|
| 08/17/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a loan for a XXXX dollars at Speedy Cash. I lost my job and fell behind. I got another job and they had already sold it to XXXX XXXX XXXX. I paid them XXXX now XXXX XXXX refuse to remove this from my credit. I have called them and they stated that they are not able to remove it. They are still reporting that I owe them. This is wrong
|
| 05/10/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Previously disputed this collection through CFPB and through the individual credit bureaus with no luck at getting this collection removed. The previous response from this creditor was that my complaint should n't have been sent to them. They are indeed the creditor showing on my credit report trying to collect debt that is not mine/owed.
|
| 09/16/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
Rapid Cash aka XXXX XXXX refused to process scheduled payments. Associate told me that I am responsible for additional interest on afore mentioned payments.
Large billboard advertises % 7 per month on title loans, with no mention of {$2500.00}. loan min. to secure this rate. I was not informed of this before I signed the loan. XX/XX/17.
|
| 07/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I went to a Speedy Cash in 2011 and defaulted on partial loan Speedy Cash sold the debt to a add company called ad XXXX XXXX XXXX phone number XXXX XXXX have been trying to dispute it and remove it from my credit score due to length of time and they refused to remove has the debt has been paid by said company I feel it should be removed
|
| 10/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
fraud error dont know but they are not mine inaccurate information must be removed .... violation of all my right as a consumer i sent several letter to all the company listed speedy cash a lot of inquires that are not mine XXXX XXXX and XXXX will be all disputes in the mail of the violation that they have put on my credit report ... ..
|
| 05/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
An account was fraudulently opened with Speedycash by an identity thief and the debt was turned over to XXXX XXXX debt collection services and the collection agency will not remove the account from my credit report despite me filing a police report, providing the name of the assailant and signing an affidavit that the debt is not mine.
|
| 07/14/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I included my debt to Speedy cash in the amount of XXXX dollars in my Bankruptcy which was filed in XX/XX/XXXX. My case number is XXXX, my attorney is XXXX XXXX XXXX. All debts owed to Speedy Cash were included in the bankruptcy yet Speedy Cash refuses to list the debt as discharged or closed. As of XX/XX/XXXX it is still on my credit.
|
| 10/17/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I HAVE CONTACTED SPEEDY CASH TO LET THEM KNOW THAT I DID NOT APPLY FOR THIS LON AND IT WAS IDENTITY THEFT A FRAUD ACCOUNT I ASKED HIM TO REMOVE IT FROM MY CREDIT REPORT AND I WAS DISPUTING IT AND THEY'RE REFUSING TO TALK TO ME AND HUNG THE PHONE UP IN MY FACE THEN IN YOUNG MAN ALSO THREATENING OF JAIL TIME IN OTHER LAWFUL PROSECUTION
|
| 04/14/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I am receiving emails threatening to sue me as well as charge me with Bank Fraud Violation of Federal Law of Debt and Banking. Intentional Theft by Deception.
I've never received anything in written handwriting only an email. I had XXXX on this quite a while ago about a year ago XXXX XXXX and now we're sending me threatening emails.
|
| 12/02/2015 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
I applied for a small short-term loan via Speedy Cash in California. In CA, I know there is a law that as a state citizen, I am entitled to a short term loan via a loan provider regardless of my credit score ( XXXX ). But as I keep getting pre-approved from Speedy Cash, they keep denying me and keep putting dents in my credit report.
|
| 11/25/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American, Servicemember |
|
XX/XX/XXXX for XXXX title loan car not paid off This Company ( XXXX ) calls us 7 days a week for XXXXto XXXXXXXXat night blowing up our cell phones an this person will not stop this is in violation of the Roth act in California. There is no doubt we owe the money.
But bugging us with phone calls will not get the money any sooner.
|
| 02/11/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
AD ASTRA RECOVERY SERVICE at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KA XXXX has been agrresively sending attempts to collect the amount of {$750.00} and the collection has been reported to as past due. I do not know this company, and I do not have any business with this company. I do not have a signed contract with this company.
|
| 03/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I called the company to see what loan was taken out with my information. I received a letter in the mail stating that I had a loan that needed to be paid back, I did not apply for a loan in the amount of {$930.00}. They confirmed that my information was used, I asked for the email on the file, which they refused to give it to me.
|
| 11/17/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
I ASKED THIS COMPANY TO SUBMIT TO ME A CONTRACTUAL AGREEMENT SIGNED BY THEIR COMPANY REPRESENTATIVE AND MYSELF. I DID NOT SIGN AN AGREEMENT/CONTRACT WITH THIS COLLECTION AGENCY. IT HAS BEEN LONGER THAN THIRTY DAYS SINCE MY REQUEST AND SHOULD THEREFORE BE REMOVED FROM MY CREDIT REPORT. INACCURATE INFORMATION REGARDING ACCOUNT.
|
| 03/19/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I contacted XXXX XXXX XXXX on XX/XX/2018 in regards to a collection on my credit report that does not belong to me. I have been a victim of identity theft and I'm requesting for this collection to be removed from my account as it was not me. The company stated I need to file a FTC dispute and then fax them over the documents.
|
| 06/06/2016 |
Yes |
|
|
|
Web |
|
|
Speedy Cash made a hard inquiry on my credit report with XXXX.
I did not authorized anyone employed by XXXX XXXX to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
|
| 10/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
|
| 05/21/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Speedy Cash XXXX sends me emails threatening to and stating they have activated a warrant for search and seizure, complete with a docket # and citations of supposed Constitutional law. As well they assert that I will be contacted by local authorities and threaten consequences if I do not contact them in a limited time frame.
|
| 12/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I purchased my credit report and I see this fraudulent account reporting. My identity was stolen and compromised. Someone used my identity to open up this account. I would like for this company to remove this account and stop reporting it on my credit report. It is hindering my life and causing XXXX and XXXX damage damage.
|
| 09/27/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I sent AD ASTRA a proof of validation letter and they sent back two letters one that states my credit limit was {$360.00} and the other letter shows a balanced owed of {$720.00}. I have received two different letter stating I owe two different amounts. AD ASTRA is reporting false inaccurate information on my credit profile.
|
| 09/13/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
After paying off the debt I initially was told with XXXX XXXX XXXX for an old account which was opened in XXXX for the amount of {$350.00}. Paid it off in XX/XX/XXXX and XXXX has reported as of XX/XX/XXXX as CLOSED which has damaged my credit score.Consumer said they reported to XXXX as PAID IN FULL and asked for a removal.
|
| 02/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
AD ASTRA RECOVERY SERVICE at XXXX XXXX XXXX XXXX, XXXX, KS XXXX has been sending me collection notices in the amount of {$1400.00}. The collection has been reported as a past due balance. I don't know this company or have ever done business with this company. This company does not have any contract with my signature on it.
|
| 09/10/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Sent a communication to the AD ASTRA RECOVERY SERVICES company who purchased a debt that was paid in full to SPEEDY CASH ( the original creditor ). The company keep sending presentments and i'm not interested in contracting with that company. There was never a contract with this company they are harassing me like owe them.
|
| 04/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Theyve been constantly taking the amount of {$26.00} out of my account quite some time now and I was told itll be XX/XX/XXXX once Im through paying I would like to stop these payments from coming out of my checking account please here are a few dates showing where its been taken out XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and etc
|
| 01/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
( AD ASTRA RECOVERY ) at ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) has been sending me collection notices in the amount of ( {$140.00} ) the collection has been reported as past due balance. I due not know this company. I have never done any business with this company. This company does not have a contract with my signature.
|
| 02/27/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am distressed that I am having to file a complaint since my consumer rights have clearly been violated. Speedy Cash has been sending me collection notices in the amount of {$1200.00}, the collection has been reported as past due balance. I do not know this company. This Company does not have a contract with my signature
|
| 12/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
n accordance with the Fair Credit Reporting act AD ASTRA RECOVERY SERVICES Acct # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 03/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The amount alleged owed {$7500.00}, on XX/XX/2014. I have contact and told this company this account is not mine and never has been. I asked them to send me proof that the account is mine with signature and they did not send me a response back very rude. I sent 5 letters to them asking for removal of unauthorized account
|
| 12/05/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
was not contacted at all whatsoever about any debt owed. I found out by checking my credit report and finding a collection agency account by ad astra in regards to a seriously past due loan obtained from speedy cash/rapid cash. For 5 months i received no mail no calls or any form of communication from speedy cash or XXXX
|
| 04/25/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
AD Astra Recovery Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Has been sending me collection notices in the amount of {$300.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
|
| 09/08/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
AD ASTRA RECOVERY SERVICES at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has been sending me collection notices in the about of {$510.00} the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
|
| 10/29/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I keep receiving emails that threaten to take me to court my name isn't attached to this email and they asking for me to wire transfer XXXX to settle this case. If not I will be prosecuted for 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER
|
| 01/26/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I took loan out for {$350.00} I have paid about {$900.00} in interest and fees and they have debit my account {$460.00} to pay off loan which I have stopped payment. I did not authorize this payment. I was not informed when loan was taken out that payments I was making were only for interest and did not go towards loan.
|
| 10/02/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American |
|
I took a loan from speedy cash store XXXX XXXX XXXX 2014 for XXXX payments from my bank acct of XXXX each month total of XXXX I still owe XXXX they say all interest.i was informed today that if I only of principle to lower ant owed I still would pay interest on daily owed plus the XXXX each month this is double interest
|
| 05/13/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
AD ASTRA RECOVERY SERVICES INC at XXXX XXXX XXXX XXXX, XXXX Ks XXXX Has been sending me collection notices in the amount of XXXX. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
|
| 06/09/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This is XXXX XXXX XXXX, XXXX XXXX XXXX call to say owe debt was paid XX/XX/2018. FTC should be able to sue their real company is speedy Cash and not a ligenamate company that is a collection agencies. I want XXXX XXXX and XXXX XXXX XXXX in order to satisfy my difficulties.
XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX mobile
|
| 10/10/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
I paid the Speedy Cash loan in full almost two years ago and they keep harassing me they put it on my Credit Report and keep threatening me. I 'm sick of it I provided proof of full payments debited out of my bank account through ACH. They insist on harassing me and calling me and threatening me. I 'm tired if it all.
|
| 09/11/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Sent a communication to the XXXX XXXX XXXX XXXX company who purchased a debt that was paid in full to SPEEDY CASH ( the original creditor ). The company keep sending presentments and i'm not interested in contracting with that company. There was never a contract with this company they are harassing me like owe them.
|
| 02/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
In XX/XX/XXXX, 2 letters were delivered to Curo XXXX and XXXX stating that an old inquiry still hasnt been removed from my XXXX Credit Report. Curo XXXX completed a credit report inquiry in XX/XX/XXXX. XXXX should have removed the inquiry within 2 years which should have been XX/XX/XXXX. The inquiry still remains.
|
| 01/05/2017 |
Yes |
- Prepaid card
- ID prepaid card
|
|
|
Web |
|
|
I made several transactions that were declined and the company held up my money for seven days each time stating it was the other company that was holding up the money. If the transaction is declined what ever money is on the card should be able to be used. Their thieves. I printed the transactions so I have proof.
|
| 10/14/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Good afternoon, On XX/XX/2020. This account was placed on my credit report as a collection for the amount of XXXX. However, I never received any notification of this debt. I tried to get the company to verify this debt but they did not send me anything that shows that I owe this debt and I sent this on XX/XX/2020.
|
| 12/11/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I have been contacted repeatly for 2 months three times a day by speedy cash. they call using a call spoofer with the name XXXX XXXX. I have told them on several occasions that I never took out a loan with their company and for the to stop calling. I sent a cease and desist contact letter on the XXXX of XXXX 2017.
|
| 04/14/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
COLLECTIONS & LEGAL DEPARTMENT XXXX CASE NO : - XXXX OUTSTANDING AMOUNT : - {$800.00} TODAYS SATTELMENT AMOUNT : - {$580.00} Keeps sending emails, that are not addressed to my email nor do the emails have my name on them. States is a communication from, mailto : XXXX I get at least one of these emails once a week
|
| 08/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
I sent the company written notification via fax on XX/XX/2019 stating I was revoking ACH access to my XXXX XXXX checking account.
Twice after receiving the letter ( fax confirmation attached ) they debited my account causing overdraft fees.
They ignored my written request in violation of Federal and State laws.
|
| 12/14/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
They falsely reported on my credit report and score. It was sent to collections back in 2011 and just added to my credit score saying I refinanced and renewed my account. I have not spoken to them in years and they refinance the loan? This is fraud and it brought my credit score down XXXX points. They are crooks.
|
| 02/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Ive spoke with debt collector over the phone before, and every time I have been threatened to be taken to court as Ive tried to resolve this. Ive also been accused of never intending to pay the money back. Because of the threats and accusations from the debt collector I have not wanted to resolve this with them.
|
| 04/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
All payments as been paid off, I have dispute this multiple times, no solution, called to have it deleted the agent was not helping, when I paid it off, I did not get any email confirmation, and every order day I get calls from the debt collector. All I need is balance to be updated and deleted from my account.
|
| 04/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
All payments as been paid off, I have dispute this multiple times, no solution, called to have it deleted the agent was not helping, when I paid it off, I did not get any email confirmation, and every order day I get calls from the debt collector. All I need is balance to be updated and deleted from my account.
|
| 02/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have disputed this debt, I know for a fact that prior to XX/XX/XXXX i had not opened any accounts since XXXX. I mailed them a letter, attached and that was first week of XXXX XXXX. I have not heard back - i did notice my credit report now says i disputed it and it meets fcra requirements. This is not my debt
|
| 10/16/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
Between XXXX XXXX I did not get the money what do you want me to do that deposit some money in my account and you want me to get the money out of my account to purchase some XXXX cards and then I take the numbers and put into the system I never heard that before. Heroes the two phone numbers XXXX XXXX XXXX XXXX
|
| 07/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I received an email saying I was approved for a XXXX loan. Speedy cash deposit XXXX into my checking account and XXXX in my saving account. Once it was available they told to send back the XXXX and they give me the the loan. My bank put a hold on my saving account. Now they won't answer my call. Help me please
|
| 09/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have no business with AD ASTRA RECOVERY account # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights.
15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions
|
| 04/28/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
AD ASTRA is falsely stating on my credit report that I have an open account with them after I stated that I do not and after I disputed the debt. They continue to call me and text me and ask me to respond, and when I tell them to stop calling they change their number and call me again from a different number.
|
| 04/28/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
AD ASTRA is falsely stating on my credit report that I have an open account with them after I stated that I do not and after I disputed the debt. They continue to call me and text me and ask me to respond, and when I tell them to stop calling they change their number and call me again from a different number.
|
| 07/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I got this loan in XXXX they are threatening me and saying if I dont pay {$700.00} by the end of the month they will take me to court. It has been way over 7 years it was a pay day loan and it is no longer on my credit, can they take me to court. I know if I agree to pay them it will open the account back up
|
| 03/25/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I tried disputing the account on my XXXX account twice. Did not get solved so I called and I was told to get a policy report or to come on this site. That account for speedy cash does not belongs to me it belongs to a relative or person with similar name/address. I was under age when the account was opened
|
| 02/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Went onto XXXX XXXX and noticed an account that was not mine and addresses that don't belong to me. I have tried to dispute this numerous times because it is not my debt to collect. This collector started from speedy cash and as you can see I live in Pennsylvania and speedy cash is not offered in my state.
|
| 01/09/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XX/XX/XXXX, disputed with a XXXX letter spring XX/XX/XXXXwas never sent any information on how the account was validated. Was sent a letter stating that they verified the information and wasnt going to remove it. Sent two request to validate verification process no resolution was given.
|
| 10/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
My Credit Repair Company has sent letters on my behalf requesting the collection agency to validate the debt. I have not received an update from the credit reporting agency or the collection agency. The accounts are still reflecting negatively on my account and none of the assumed debt has been validated.
|
| 10/08/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
Speedy Cash withdrew money from my checking account without approval. My debit card was changed and on Friday XX/XX/2020 they withdrew more money out of my account. I asked for them to stop taking payments out of my account and the representative said further collection efforts will continue then hung up.
|
| 08/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
n accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX
|
| 06/11/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
BASICALLY THERE MAKING IT HARD FOR ME 2 GET ANY TYPE OF CREDIT. THEY CALLEME HARASSIMG ME THREATNING ME OVER AND OVER AGAIN I ONLY BOROW XXXX FROM THEM AND THEYRE SAYING I BOROWED XXXX.WICH I DID NOT ALSO THEY ALSO GAVE MY # TO OTHER LOAN COMPANYS CALLING ME OFFERING ME. LOANS I JUST WANTEM TO. STOP PLSE
|
| 07/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Back 2013 it was said that l had a payday loan which is incorrect. Tried to contact company and was told to get police report.. Did n't work because l need some type of paperwork.only thing they 'll give me is what loan amount was..that 's it no other proof..have n't received any call backs from company.
|
| 08/15/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
I was in a accident and fell behind on my finances due to doctors bills and extra travel I then joined a debt consolidation company to help lower payments and get paid off the payments will start XXXX XXXX and these people keep trying to charge my checking acct causing overdraft charges to increase debt.
|
| 11/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer.
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
|
| 02/07/2021 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
This account is unknown to me, send me proof of how you verified this account, the collector did not verify that this account was mine, please send me a method of verification bearing me signature. Please send the original paperwork bearing my signature, I believe this to be false information reporting,
|
| 01/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Ive sent letters to XXXX, XXXX, XXXX, and also the company ( AD ASTRA RECOVERY SERVICE ) thats reporting inaccurate information to my account. Ive sent these letters XX/XX/2020 asking them to verify the account according to FCRA on my report which doesnt belong to me and they have completely ignored me.
|
| 08/29/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I did apply for a payday loan. When I asked for the repayment amount I was told it can only be determined after I accepted the loan. This occurred at rapid cash in XXXX XXXX Nevada. On XXXX XXXX and XXXX. The loan officer refused to give me proper information of the loan prior to me taking out the loan.
|
| 06/19/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I apply for a loan online an was approved, but did not know that the interest would be daily added. I thought it was a signature loan. Then I did n't know that at the time the company was not registered in my state. They have tacked on high interest that I can not afford I have paid already on the loan.
|
| 03/04/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The following company by the name of Speedycash.com/ ADA Astra recovery is reporting on all 3 credit bureaus and I have no knowledge of this account. I have attempted to contact them several times to address this but each attempt has been unsuccessful. They have refused to return any of my phone calls.
|
| 03/29/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Well a while in XX/XX/2016 I borrow XXXX dont remember the exact amount, but we had XXXX deaths in the family and I haven't been working they sent an email threatening to sue me in court if i didn't call, but I replied explaining my situation and trying to work with them to pay at least XXXX every XXXX
|
| 08/31/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Servicemember |
|
On XX/XX/2019 Speedy cash withdrew XXXX from my account. And I did not give them authorization to do so. They need to show a present contractual obligation for them to do so from that account. This is theft, if you take something that you don't have authorization to receive. Shame on you speedy cash.
|
| 05/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Debt collector has called me on behalf of speedy cash also sent emails stating they were going to sue me and that I could do jail time etc also has threatened to tell my job and get me fired would not make any arrangements with me and doesnt even have correct amount I owe happened XX/XX/2019 2019
|
| 11/02/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
I filed Bankruptcy in 2017. This lady called my work a few times ( after being asked not to ) threatening me, cursing at me. She would not say where she was calling from, expect I owe and they will continue to call me and garnish my wages. She threatened myself at work on my phone and a coworker.
|
| 07/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
|
| 02/28/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Ad Astra Recovery at XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX has been sending me collection notices in the amount of XXXX. The collection has been report as pasted due balance. I do no know this company. I have never done any business with this company does not have a contact with my signature.
|
| 06/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid off Speedycash.com and requested ( 2 times this far ) they remove the debt collection by Ad Astra from my credit report.
Although Speedy Cash assured me the collection would be removed ( in person at their store ) nothing has happened. Its been over a year and Ive not heard from them.
|
| 02/28/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Ad Astra Recovery at XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX has been sending me collection notices in the amount of XXXX. The collection has been report as pasted due balance. I do no know this company. I have never done any business with this company does not have a contact with my signature.
|
| 03/27/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Ad astra for a payday loan company ... {$2100.00} I did not take out this loan. I have contacted the collections company filed a FTC report sent my bank fraud statement to the credit bureaus about this and still is not removed. This is identity theft affecting my credit report an all bureaus.
|
| 03/29/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX i notice a debt thats was on my credit that i did not do. I called the number XXXX I was told that this account was opened XX/XX/XXXX I did not do this. I am a victim of identify fraud. in XXXX a client of mine stole my wallet with my bank information id. The amount was 1567.00
|
| 07/06/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I XXXX XXXX federally protected consumer have notified a third party debt collection agency called Ad Astra Recovery Services that they have infringed and are infringing on my right to privacy which is unalieable rights pursuant to UCC9-109. Please read the notice enclosed dated XX/XX/2022.
|
| 10/03/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
SPEEDY CASH CASE NO XXXX AMOUNT XXXX RECEIVED EMAIL STATING THEY WILL TAKE ME TO COURT AND GARNISH MY WAGES FOR THE AMOUNT OF XXXX EXCLUDING ATTORNEY CHARGES.
" THE XXXX LAW FIRM '' THEY KEEP CALLING ME AND I DON'T REMEMBER THIS DEBT AND I HAVE NEVER RECEIVED A WRITTEN NOTICE OF ANY KIND
|
| 11/19/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
checked my credit report about 6 months ago and saw that a payday loan of {$1400.00} from SpeedyCash which I never applied for. Disputed the loan several times with them via phone calls to which has not been successful. I also disputed this loan with XXXX but haven't seen any replies back.
|
| 05/13/2015 |
Yes |
|
|
|
Web |
Older American |
|
i keep getting phone calls everyday from speedy cash they have already called XXXX times so far this month it started in XXXX of 2015 XXXX calls were made too us XX/XX/XXXX XXXX calls were maded too us XX/XX/XXXX XXXX calls were made too us the number is XXXX their saying their speedy cash
|
| 11/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have asked for a copy of a signed SSA-89 and an original contract form from me to them giving them access to my credit report profile ( s ). They have not provided it and are still accessing my consumer credit profiles. They are engaging in the theft of my identity. Please see attached.
|
| 07/10/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Speedy Cash has tried to debit my checking account for XXXX and due to COVID 19 I am not receiving any income or paycheck at this time. They have also reported me to the credit bureaus and has made my credit score drop. I don't have any income right now and can't pay them back currently.
|
| 06/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
Servicemember |
|
I applied in person for a payday loan advance in XX/XX/XXXX. I made some payments but due to financial difficulties I filed for bankruptcy in XX/XX/XXXX and included Speedycash as a debtor under my bankruptcy. This shouldn't be on my credit report at all according to the bankruptcy court.
|
| 05/26/2016 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
Older American, Servicemember |
|
SPEEDY CASH XXXX promise if I paid off this account they would remove from my credit in 30 days however, refuse to do so after taking my payoff money. I was charge fees however, I told them that I only got paid once a month they charge me twice within a month over drawing my bank account.
|
| 07/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In Accordance with the Fair Reporting act XXXX Account, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have two open accounts thru XXXX XXXX XXXX ( Speedy Cash ) which are not mine theft identity I have sent them a police report and they have nit taken them down. My address which is not mine XXXX XXXX XXXX XXXX XXXX XXXX Texas. My name is not XXXX XXXX XXXX is is also wrong on my repert
|
| 10/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Took out loan for {$5000.00} from Speedy Cash in XX/XX/XXXX in XXXX was told I could borrow more but whole loan was refinanced at a high interest rate no longer allowed in CA I have already paid off amount borrowed as I pay {$660.00} a month. Yet still have about 4 more years of payments
|
| 08/16/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
I 've tried to work with speedy cash, however, due to the high interest rates and inability to pay the exact loan. I switched my bank account to cope with how to pay them on my own terms. Recently have had a call with them saying I can pay in XXXX but got default notice a few days later.
|
| 03/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My credit report shows the balance if I continue making minimum payments for the entire loan term but it doesnt show the payoff amount, in other words its showing more than what was borrowed including all interest and fees.
My monthly statements also show this and not the payoff amount
|
| 02/25/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
AD Astra XXXX XX/XX/2022, {$340.00}, I was informed via another bureau that indicates the det doesnt belong to me. I also made contact with the compnay directly and they advised they sent out all necessary information regarding the validation of the debt which they found to not be mine.
|
| 02/05/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Ad Astra Recovery Services Inc has violated the FDCPA buy falsely reporting an unvalidated debt on my consumer report..This debt came from and Identity theft incident and has no business be reported on my consumer file..I have no contract with this company and that is another violation.
|
| 10/27/2020 |
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
|
|
Web |
|
|
It was removed from two credit bureaus my XXXX and my transit still sits on my XXXX account Im Requesting that it be removed from My XXXX at once it was fraud account open up not by me thank you Company XXXX XXXX XXXX Amount of debt : {$160.00} Collection agency Account number : XXXX
|
| 04/12/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XX/XX/2020, I emailed the following to XXXX XXXX : " Good morning, Due to the recent economic downturn as well as being laid off yesterday, I am unable to pay my account in full. What options are available to me?
Thank you, XXXX XXXX '' To date I have received no reply to my email.
|
| 10/10/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Speedy Cash loan is reporting as a collection in my XXXX when the account was already paid off and closed. It even shows I dont owe anything yet still reporting on my XXXX as a negative item In my collections please help. The account is still showing its opened when that is inaccurate
|
| 05/04/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have attempted to get this account that is listed as two different collections removed for the last 6months. The collection keeps being readded with incorrect dates for the collection. This company is not following regulations please help me remove speedy cash from my credit report.
|
| 12/04/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have already payed the company almost a year ago. I called the company and send them a Copy of my bank statement proving this. They agreed they had received it. I do not know why it is showing up now on my credit. This had been settled before it affected my credit.
Thank you, XXXX
|
| 06/27/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have two entries on my credit for XXXX for a XXXX loan that I did not take. They have reported negatively on my credit as XXXX XXXX and their collection company AD Astra Recovery services. XXXX and AS ASTRA RECOVERY has failed to provide a legitimate contract to me oweing the debt.
|
| 02/16/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
I obtained a account about a year ago ... ... ..I have paid over {$1500.00} on a {$2600.00} account .... They still say that I owe XXXX XXXX and XXXX XXXX, {$5200.00}!!! I am XXXX years old and did not understand that this usury interest rate is over 500 % The account number is XXXX.
|
| 04/11/2022 |
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
|
|
Web |
|
|
There are XXXX inquiries on my account that were not authorized by me.
Speedy cash/ curo XX/XX/22 XXXX XXXX XXXX XX/XX/22 There is no phone number for this company.
Im not sure about the loan amounts because its not shown on my report.
I have already disputed these inquiries.
|
| 03/30/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I borrowed {$700.00} and am attempting to make arrangement with the lender. However the lender insists on charging me 400 % interest and applying all payments to interest first. This is completely usurious and unconchionable. The contract should be void as a matter of public policy.
|
| 04/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
On XXXX a dispute and request for validation letter was delivered to the company via USPS certified Mail # XXXX. Reviewed my credit report 45 days later which showed the reporting of my account as delinquent without the required disputed designation pursuant to FCRA 623 ( a ) ( 3 )
|
| 01/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
They claim I owe them money. I have sent them a letter to the president of the company asking for proof of this debt. They did not provide it with me they are in violation of the fdcpa, so if they want to continue to play games we can escalate the issue if they continue to violate.
|
| 02/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My personal information was stolen and used to open multiple accounts that I did not authorize. This has happened over a XXXX year period which I was unaware of until I learned how to check my credit and how credit works. I didn't know how to dispute these matters until recently.
|
| 03/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There is a acct with speed cash on my credit that show up I never opened a acct with them I have tried to dispute it thru XXXX XXXX but nothing happens I talked to a agent there and they have me info speedy cash acct # XXXX the acct was opened XXXX XXXX the amt on the acct is XXXX
|
| 12/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have disputed inquiries from these companies on XXXX, before & after. I have not received any information or wet signature validating my permission to use or run my name but I still have them on my XXXX report. I have gotten no response and do not know what to do at this point.
|
| 03/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My ex husband was taking out loans in both of our names and in just my name online with all of my information. I have tried disputing with XXXX XXXX and contacting speedy cash and debt collector. I filed bankruptcy in XXXX and haven't done any payday loans or installment loans.
|
| 03/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Paying every two weeks XXXX dollars. The original loan was XXXX. Total amount I have to repay is XXXX, XXXX. I just feel that it is unfair lending practices. I have rent that is XXXX dollars a month. I am basically living off one paycheck which I have to pay this company out of.
|
| 03/08/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Web |
|
|
XXXX will not respond. I have emailed several times with no response. Title loan payments never was applied to my account therefore my car went into default, for the past 1 1/2 I have made several attempts to see if I could still repay the loan off even after it was charged off.
|
| 02/15/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone used my information to take out a Speedy cash loan for XXXX and now it is XXXX for interest added. The company name is AD ASTRA Recovery Services INC. Account # XXXX file # XXXX-XXXX-XXXX Tel XXXX I did not take this loan out. Please help clear this up Thanks XXXX XXXX
|
| 06/26/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
Speedycash say that I owe them a loan back when I did n't get a loan from them. Now that 's on my credit report saying I owe them {$830.00}. When I do n't owe them nothing. And that 's messing up my credit score so I was trying to get them to remove it off my credit. Thank you!
|
| 05/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. There has been unauthorized used of my information and credit report.
SPEEDYCASH.COM-XXXX XXXX bal. {$1000.00} Acct # XXXX
|
| 11/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Account Corrections : XXXX XXXX ( Reported 'Open '' on XXXX yet 'Closed ' on XXXX ) Please delete account or provide Method of Verification Ad Astra ( Please delete account or provide Method of Verification ) XXXX and XXXX fails to report Account Type Both are FCRA violations
|
| 04/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
i got a email from XXXX about a debt i know nothing about threatening lawsuit and other action they listed old info but did have my ssn so that worries me. not sure what action can be taken to stop this, i'm sure they trick some people into it and just want others to be aware
|
| 07/28/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
Took out a {$200.00} loan in XXXX at Speed Cash in Tennessee. They have debited my account for two years {$60.00} to {$90.00} every month. Its XXXX and they say I still owe {$320.00} to pay off. This is the biggest rip off that I have ever seen. This place need to be stopped.
|
| 07/09/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
THESE XXXX FIRST HACK MY BANK TO COLLECT THE FULL AMOUNT OF A LOAN I WAS MAKING PAYMENTS ON WITHOUT NOTIFYING ME AND NOW THEY CLOSED MY ACCOUNT FOR 60 DAYS BEFORE, SO I APPLIED AGAIN AND THOSE NASTY JEALOUS XXXX STALKING MY ACCOUNT BLOCKED MY ELIGIBILITY FOR NO REASON AGAIN.
|
| 10/12/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
this company AD ASTRA RECOVERY SERVIC HAVEN'T GIVE ME A CONTRACT I SIGN WITH THERE COMPANY I WANT A DOCUMENT WITH THERE COMPANY NAME AS A HEADER WITH MY SIGNTURE THAT STATE I OWN THEM ANY AMOUNT AND IF THEY CAN'T GIVE ME THAT DELETE THE ACCOUNT WITH ALL CREDIT COMPANIES NOW
|
| 06/26/2015 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
Lender us still reporting on credit report although loan was paid. Date reported on the credit for last payment date is listed incorrectly as XXXX/XXXX/2015 representative agrrededto delete trade line once account was paid to XXXX. Item remains without itemized explanation.
|
| 04/08/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
The loan was opened XX/XX/XXXX. The last contact I had with this company was XXXX XXXXz The debt owed is {$570.00}. This company has been re-aging this debt. My debt is over 6 years old and as of XX/XX/XXXX they re aged the debt saying it was newly opened and 3 months old!
|
| 02/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
I was looking on my credit report and saw a charge from speedy cash in which Ive never taken out a loan for. I submitted my complaint through them but they said Id have to file it with yall and or my local sheriff department. It was in XXXX of 2019 and it was for {$500.00}
|
| 10/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I never attended XXXX XXXX college yet it shows I have loans over there??? I called them and they admitted that someone used my identity, I filed a police report against fraud and also contacted the social security department.
Yet student loans still appear on my credit!
|
| 06/28/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
took out a personal loan with speedy cash in XX/XX/XXXX in the amount of XXXX paid it of o n XX/XX/XXXX ..and my pay off XXXX payments were taken out twice a month at XXXX dollars i paid over XXXX dollars just to pay if XXXX dollars less of what i borrowed
|
| 03/27/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
There is a payday loan that is currently now being reported to my credit. I have tried disputing the error with XXXX and they stated that the it meet the FCRA requirements. I never recalled getting this pay day loan in my name and this should not be reported to my credit
|
| 09/27/2019 |
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
|
|
Web |
|
|
I paid off a debt in full for speedy cash I disputed it twice, I tried to upload docs, satisfaction of judgement is in. My score went done twice due to the error in not removing it my score was a XXXX and now and because I disputed and they kept it on my score went down
|
| 03/28/2017 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
lender kept charging double the amount and on the wrong day. They did this three times so I had to block them from my bank. The refused to resolve the issues of overdrafts on my account because of this so I refused to pay them anymore money. Now they are threatening me.
|
| 12/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have told them approximately XXXX times I have no knowledge of this debt or there compa y and have never applied or signed any documents or proof of debts received from them. I have asked multiple times to stop calling me and remove my number but they refuse to do so
|
| 11/29/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Debt to XXXX XXXX was sold to debt collection. Original debt was taken out in or about 2013. AD ASTRA ( XXXX ) for XXXX XXXX was reported to all Credit Bureaus and placed for collection. The debt is unable to be collected due to violations of the Statue of Limitations.
|
| 02/18/2022 |
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
|
|
Web |
|
|
AD ASTRA RECOVERY SE has been sending me collection notices in the amount of {$340.00} the collection has been reported as derogatory. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
|
| 08/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
Hi I recently got a text from a number XXXX said I got approve for a loan they asked for my XXXX and password to verify Nd they put XXXX to my account said I Had to send it back through XXXX to XXXX XXXX number XXXX XXXX and now my account been locked I know its a scam
|
| 11/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I received a XXXX loan. The balance of loans typically goes down with monthly payments, but no this company charges daily interest so there's no way of paying the balance down. So instead it continues to rise even tho monthly payments are taking out of my bank account.
|
| 12/10/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I ask company to validate this debt they couldn't there reporting illegal activity on my credit report they sent me a contract with someone address on it that does not belong to please delete this account for reporting inaccurate and false information and I have proof
|
| 03/21/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
Older American |
|
like 1 1/2 or 2 years ago I got a loan from rapid cash advance, now looking at my credit report I see that a collection co go it in my credit but it says that I open the account on XXXX XXXX and wonder if they have wright to do that. thank you in advance for your help
|
| 11/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I have attempted to dispute this item with them the firs time they issued me notice. The last few times I have disputed it through al 3 credit bureaus but I am being denied any further dispute attempts. A validation request was sent but no response has been received.
|
| 04/19/2020 |
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
|
|
Web |
|
|
On XX/XX/2020, Curo XXXX XXXX managed to place 2 hard inquires on my XXXX credit report. I do not know of Curo XXXX, nor have I ever contacted them for any kind of loan. Contact information for this supposed company is not made available on XXXX XXXX or the internet.
|
| 05/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
This was open without my knowledge, I have been trying to get this remove from my credit it was not mine, it was open in XX/XX/2015, I have disputed it and no one will help me, I never received the money, and this is hurting my ability to by a home. our anything else
|
| 10/12/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
When I checked my Credit score on XXXX XXXX i noticed the debt. I wrote to them to let them know that I dont know anything bout the collection. I also called and spoke to the agency to let them know. Apparently this debt has been passed over to many debt collectors.
|
| 01/05/2022 |
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
|
|
Web |
|
|
Hard inquiries on my credit that I am just now noticing and my personal bank as well that I did not do. Funds taking out that I did not make. A lot of errors that i did not do, I am very upset and Im scared someone is using my identity. This is fraud and is not me.
|
| 08/02/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
Speedy Cash calls me, and when I answer, it is an automated message saying that I have a payment due tomorrow. I have never had a Speedy Cash loan. I have returned their call multiple times to tell them to quit calling me, but I continue to receive automated calls.
|
| 06/13/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Can't contact lender or servicer
|
|
Web |
Servicemember |
|
Concord finance Inc XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX put a lien on the title of a XXXX XXXX XXXX VIN # XXXX back on XX/XX/XXXX. The statue of limitations I believe have expired. I am requesting a notorized lien release ( DOR-4809 ) to title number XXXX.
|
| 11/15/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
Speedy Cash removed money from my checking acct. I got loan for {$500.00} lost my job and was placed in a program related to XXXXI closed out my XXXX and that was all the money I had, while I'm out of work!
I need the money that was taken out of checking account,
|
| 10/17/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I TOOK OUT THIS LOAN IN XXXX, I AM STILL BEING GARNISHED HERE IN XXXX AND I HAVEPAID XXXX OF THE XXXX LOAN ALREADY FROM A PREVIOUS GARNISHMENT. NOW THEY ARE STILL WANTING XXXX MORE THE STATUES OF LIMITATIONS ON THIS GARNISHMENT HAS EXPIRED IT HAS BEEN OVER 7 YEARS
|
| 09/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Speedycash deposit XXXX in my account and they said it will not affect my bank account so now I have a overdraft in my account it was at XXXX now it is XXXX overdraft they should be responsible for this not me there phone is XXXX XXXX XXXX name is XXXX XXXX ... ..
|
| 08/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
THEY HAVE REPORTED I OWE FOR A DEBT THAT ISNT MINE ALSO KEEP CHANGING DATES ON THE REPORT MAKING IT LOOK NEWER I REACHED OUT ASKED THEM TO TAKE IT OFF MY CREDIT REPORT AND OR SEND ME PROOF THEY HAVE FAILED TO DO SO I NEED HELP IN GETTING THIS OFF MY CREDIT REPORT
|
| 08/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was told that once I paid this debt that it would be deleted from my credit report and I would be sent a letter stating as such. I paid it and it is still reporting and its not fair. I was lied to by one of your reps over the phone and I am so upset about this.
|
| 01/23/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I am a victim of Identity Theft I sent XXXX an I D Theft report and they have not responded to me in in over 60 days this is beyond the FCRA allotted time frame. XXXX is also reporting the same account ( XXXX XXXX XXXX ) twice under XXXX different account numbers
|
| 05/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My personal information is being used by someone else, lost all my legal documentation and I'm paying the consequences of purchases I never made on my credit and didn't find out till I tried to finance a car. Car was stolen a few months after that loan was made.
|
| 12/03/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
According to 15 USC 1692g as a consumer I do not owe any alleged debt. I have tried to dispute this information and I had little to no luck. Delete this information from my credit report. It violates my rights as a consumer and it violates the law 15 USC 1692 G.
|
| 08/01/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
This account was included in a bankruptcy discharge and resolved in XX/XX/XXXX-XX/XX/XXXX, I disputed this fact with the creditor, with documents yet they keep sending me threating emails. The failed to send me debt validation, just threatening emails and calls.
|
| 03/03/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I received a threatening message about legal action from a supposed attorney for a debt that I do not owe. I have never received any kind of Payday Loan, and the language in the email is questionable. This appears to be a lazy attempt at intimidation and fraud.
|
| 05/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Speedy Cash Overdue for pass loan in the amount of XXXX. Was told of the phone calls and letters sent to home address but has since moved and phone number has been disconnected. Fell on hard times and could not repay loan. Only asking for more time to pay loan
|
| 11/30/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
My problem is they turned all my info over to a very shady 3rd party collection company. Name, birthday, address, and full social security number. These people are very bad. XXXX XXXX XXXX XXXX. Now I have to get a way to protect my identity. This is not right.
|
| 05/27/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Someone took my information when I got robbed cause false info to appear on my credit making it hard for me to find opportunities such as leasing getting a car Ive been a victim of identity theft but was took young with little knowledge to file a police report
|
| 04/19/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Account number XXXX Collection opened XX/XX/2020 Account type Collection Payment Info Original balance {$1300.00} Balance {$1300.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department
|
| 10/14/2021 |
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
|
|
Web |
|
|
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
|
| 10/14/2021 |
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
|
|
Web |
|
|
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
|
| 10/09/2021 |
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
|
|
Web |
|
|
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
|
| 09/12/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was the victim of identity theft and was contacted by XXXX XXXX regarding a loan that was past due. I advised them I am disputing this as I never opened any lines of credit with XXXX XXXX. This was in XX/XX/2017 and it is still showing on my credit report.
|
| 03/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
I have taken out a line of credit on XX/XX/2019. As of today I still owe {$1100.00}. I am trying to end this loan. I reached out to this company and they stated that since I live in Virginia that the are unable to make any arrangements with me. I need help.
|
| 06/14/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Ive asked speedy cash loans multiple times to work with me and also stop reporting negative information to XXXX. Also Ive asked the US department of education to help me with their account and stop reporting information that is an account older than 7 years
|
| 03/05/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I have encountered many incidents of financial identity theft dating back since XX/XX/2015. I was made aware of this payday advance loan when I received a letter dated XX/XX/2015 stating an unpaid collection had been reported. I did not apply for this loan.
|
| 06/16/2015 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
I applied for a loan and i was not given the amount needed they told me to go online and apply for XXXX more. Now i have a company calling me asking for XXXX for fee and stating i received more then XXXX which I did not because they would not even give XXXX
|
| 08/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
|
| 02/22/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Debt validation was requested in regard to account. Company responded by sending false documentation that is construed to have come from original creditor but did not. Company did not validate debt and is still reporting false information on credit report.
|
| 11/13/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
Servicemember |
|
I open this account in XX/XX/2015 I borrowed only almost {$700.00}. The balance is {$2100.00} in which is far to high. Please help me dispute this amount. I did not know this account went into collections, no one has tried to contact me about this account.
|
| 01/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
An account with " Speedy Cash '' was opened in my name for {$300.00}. I did not open this account. I reported fraudulent activity to my bank when noticing money deducted from my account. Third party now put me in collections although it was identity theft.
|
| 11/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
I wasb ehind on my payments and Avio credit took the money ( several payments ) out of my checking account without my permission.AND, I had to stop payment because I was in the hospital and not working. I don't want this to happen again. What should I do?
|
| 12/16/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
Actually this is withdraw my previous complaint against ad astra, I apologize for receiving the letter that they sent not on time due to illnesses, so please disregard my last complaint and once again I apologize, they acted well and professional. Thanks
|
| 09/25/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
i sent out a letter of a alleged debt from Ad Astra Recovery Service on XX/XX/2020 for the amount of XXXX that i do not owe. I haven't receive any of the documents that i asked for concerning this item and i attached a copy below of what i am requesting.
|
| 06/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
On XX/XX/2019 Speedy Cash debited my ENTIRE pay check from my account WITHOUT prior warning or notice.
This money was my rent money.
I missed 2 payments on the loan, so they took the entire balance without letting me know.
The amount was {$420.00}
|
| 07/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Collection agency on behalf of speed cash is trying to collect on a fraudulent opened account and has reported this false information to my credit reports and has damaged my report where I can no longer qualify for a construction loan to build my home.
|
| 08/09/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The address associated with the account I have never lived at and the loan is not mine I spoke with ad Astra collections and explained to them that the address was not mine nor am I associated with the address and I want it removed from my credit repot
|
| 11/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.
|
| 08/10/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
Speedy cash claimed I made an account with them in 2013. In 2013 I was able to receive any items like that because of the interest rate and because I was a military dependent which they are not suppose to give payday loan. Neither did i apply for it.
|
| 03/22/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Company states that I owe XXXX in debt. Asked for a debt verification letter, was then referred to a collection agency ( AD ASTRA Recovery ). Asked collection agency for verification of debt, where they advised that they were unable to send one out.
|
| 03/22/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Company states that I owe XXXX in debt. Asked for a debt verification letter, was then referred to a collection agency ( AD ASTRA Recovery ). Asked collection agency for verification of debt, where they advised that they were unable to send one out.
|
| 04/05/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I requested that Ad Astra Recovery Service validate an account for Speedy Cash. I did not receive validation of this account. The company is reporting this account on my credit report that has not been validated. I do not owe this company anything.
|
| 10/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Loan was paid in full. I have the documentation to prove it! Email confirmation from the company itself stating that the loan was paid off, however, its still showing on my credit report as derogatory and in collections which is affecting my score!
|
| 07/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX {$130.00} XXXX {$690.00} XXXX {$620.00} XXXX {$2300.00} XXXX {$1400.00} XXXX XXXX XXXX {$2600.00} XXXX {$560.00} XXXX {$500.00} I wrote letters and called these companies to have these items removed from my report, has not happened as of yet.
|
| 11/10/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Ad astra recovery services is the company that bought the debt. They call me all the time instead of my lawyers they keep calling my father about the debt. Theyre abusing me and my family. My father has recorded 48 calls in one day about the debt.
|
| 08/01/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
XX/XX/XXXX is the day I changed my bank account information to a different one .changed my account info because I now share the account with my grandma she receives her social security in this account and they took HER money without my knowledge.
|
| 05/30/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Company failed to provide proof of validation for alleged debt after several written request to validate. Also, the opening date and amount is reporting inaccurately. Under the law if a company is not able to verify the debt It should be deleted.
|
| 08/28/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
A email to me from XXXX XXXX threatened me about going to court and arresting me about a loan he was asked to show me proof of my signature on loan documents and then i will decide onhow to handle this matter. Docket # XXXX XXXX. CASE # XXXX XXXX
|
| 07/16/2017 |
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
|
|
Web |
|
|
Hello I have a Fraud alert on my credit report and it was pulled by speedy cash. I NEVER authorized speedy cash to access my report. I tried calling but was disconnected from twice.
Remove this off my report please. I have not applied for credit.
|
| 07/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
|
| 09/01/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
My loan was paid off XXXX XXXX, XXXX. The company is trying to say that I owe another payment and XXXX and something in interest. They pulled XXXX out of my bank account on XXXX/XXXX/XXXX. I never received any notice that I owed any extra money.
|
| 04/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
AD ASTRA RECOVERY claims I owe a debt and this is false, I have no open account with the company. AD ASTRA RECOVERY claims they sent me a " validation letter '' and this is false because I did not receive it and they did not provide the proof.
|
| 05/10/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I recently found out that I am a victim of identity theft. A fraudulent account was open with this company. I sent the company a dispute letter, police report, and FTC report. I have not received a response from company. Its been over 30 days.
|
| 03/31/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Contact was made with AD ASTRA RECOVERY SERVICES through XXXX XXXX initially on XX/XX/2021 to dispute {$300.00} collection notice.
No handwritten signature was provided as evidence despite it being known that I am a victim of identity theft.
|
| 12/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I applied for a payday loan I got approved for {$250.00} I paid back 315+300 of charges of my bank because they tried so many times {$35.00} every time it was rejected. Not far they just keep changing the bank. Cant find loan number anywhere.
|
| 10/04/2021 |
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
|
|
Web |
|
|
IF THE BUREAUS FOCUSED MORE ON PROTECTING THE WRONG INFORMATION FROM BEING REPORTED AND ACTUALLY CONDUCTED PROPER INVESTIGATIONS I'M SURE PEOPLE COULD GET A LOT FURTHER, BUT WHY WOULD THEY DO THAT WHEN THEY LITERALLY PROFIT FROM EACH DISPUTE!
|
| 02/03/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I requested a signed contract between myself, and AD Astra in XXXX of 2020. They responded with a contract between myself and Speedy Cash with an electronic signature. They have yet to respond to me requesting they send proof that I owe them.
|
| 11/06/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company refuses to remove the debt from my credit saying I am the one who took out the loan. I have no documents to prove that I am the one who took out the loan and they cant provide me with any documents. {$940.00} From XX/XX/2019 2019
|
| 08/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Speedy cash took {$1900.00} out of my account without my permission. A ACH letter is on file with the company Company admitted they made a mistake but left me without any money until the amount can be put back in my account which is 3-5 days!
|
| 12/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I had a break in and didnt file a report because I didnt notice anything missing. But after a couple of years I started noticing different things on my credit about credit cards I never had. So I figured it must have been from the break in.
|
| 09/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Was given loan over almost a month ago, has paid almost {$400.00} out of my bank account, I borrowed {$630.00}, loan pay off AMOUNT IS still going UP. Was not clear on this process, I want to stop electronic fund from my XXXX XXXX account
|
| 01/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
I went to speedy cash after XXXX filled an application I had statements they requested they copied them I was denied a title loan and title was with me and I was denied because of im XXXX and have a payee. My mother cant walk XXXX XXXX XXXX
|
| 03/02/2017 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have disputed innaccurate information on my credit report. I have requested a validation of the debt and have received a letter to collect the debt. I would like this inaccurate information to be removed from my credit report immediately.
|
| 08/08/2021 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
on XX/XX/2021, i sent Ad Astra Recovery Services Inc. a letter for alleged balance of XXXX that i don't owe. i request documentation of the validity of the debt that i haven't received as of yet. i also attached a copy of the letter below.
|
| 11/13/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Company calls multiple times within an hour. Today XX/XX/XXXX they've called at XXXX, XXXX, XXXX. This behavior repeats daily. They also change the area code/phone number they call from. Sometimes it's Kansas, sometimes it's California ...
|
| 12/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Called to get details on the original debt, they weren't able to produce any of the original signatures or verify when the debt was established. Contacted repeatedly to speak to a better rep actually able to help no answer just ring back
|
| 12/22/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I have received a delinquent bill for a loan I NEVER applied for nor received From XX/XX/2015 with XXXX XXXX they CAN NOT or WILL NOT send me ANY PAPERWORK with my ID, signature or copy of the car title used ( which I HAVE NEVER OWNED )
|
| 05/14/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was told that I owe a Payday loan that I never had. I called the company and they said they have no record of it. I called the number on the letter to the collector and the said it is for {$1200.00}. I never took out this loan at all.
|
| 11/26/2018 |
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
|
|
Web |
|
|
This account has been disputed and creditor and credit bureau failed to respond to my compliant. Also they have failed to provide any documentation in regards to this account. This account is problematic and i need it to be removed>>>>
|
| 08/04/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/2015 I borrowed {$2500.00} I paid off the debt as agreed to the original debtor ( Speedy Cash ) and the company never cleared the debt and they are now stating that I owe {$3400.00} I would like it to be cleared from my credit.
|
| 04/08/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently sent a letter to Ad Astra making them aware of affidavit filed through identitytheft.gov on XX/XX/2021 regarding a debt they allege I owe, but have never gotten loan through said company. I have yet to get their response.
|
| 06/10/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I am unaware of the debt in reference, I have not had a loan or contact with either company referenced in the threatening email that they sent. They have contacted me multiple times, usually via phone, making the same threats to me.
|
| 08/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I lost my walet and there was my social secury number my greencar my ID 2 debit car and some money That was happened in XX/XX/2016 but now i have 4 credit repor they stold me all my information and make lons and i have problems now
|
| 10/17/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
Speedy Cash is taking money out of my account and I never applied for this loan. If you do not how my photo ID or my signature online. Im requesting document and I will file civil suit against you for fraud. I will seek damages ..
|
| 04/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
|
| 07/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
|
| 12/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Speedy Cash threatened me by way of XXXX XXXX XXXX saying if I do not repay the XXXX I borrowed I would owe them XXXX but also said there was a judgement on XX/XX/28 and I could face garnishments and what not. I was never served.
|
| 08/26/2015 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
The amount Speedy Cash charged is absolutely more than the amount I paid. I paid the amount of the loan but balance is XXXX that amount. I advised them to verify but got no response. The account is now with XXXX XXXX XXXX XXXX IN
|
| 01/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Older American, Servicemember |
|
Collections Deemed Fraudulent - AD ASTRA RECOVERY SERVICE Only Reporting on XXXX, XXXX have asked on several occasions to Delete the fraudulent account from my current credit report since it is severly impacting my credit score.
|
| 06/30/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This account or loan was made for someone else. I DISPUTE THIS ACCOUNT INFORMATION, and as a proof, the comments section has this statement. I asked to this company to remove the collection from my credit report, unsuccessfully.
|
| 05/10/2015 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
this is not my loan I never applied for this loan this was not done in person and my ID and check was stolen around the time this loan was taken out and all the money stolen out of my bank account even my regular pay check money
|
| 12/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company Ad Astra Recovery Se is trying to collect a debt of {$560.00} that has a derogatory mark on my credit report. They are not licensed in the state of Tennessee to collect the debt and I want it removed from my credit.
|
| 09/28/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
ON XX/XX/2021 I SUBMITTED A REQUEST OF A REMOVAL OF THESE IN ACCURATE ACCOUNTS FROM THE BURUEAS AND THEY DIDNT REPSOND FOR OVER 30 DAYS AND EVEN WHEN THEY DID THEY STILL REPORTED THESE INACCURATE ACCOUNTS WITHOUT SHOWING PROOF.
|
| 05/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Payday loan from Speedy Cash showed up on my credit report. I never applied or received a payday loan. Called speedy cash and they said I had to do this or make a police report to dispute it. I also disputed on my credit report
|
| 06/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
XX/XX/XXXX 2022.Someone used my information to apply for a loan at Speedy cash which led to a hard inquiry on my report.I tried to contact the company ( Speedy Cash ) to tell them my information was used without my permission.
|
| 02/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Fraudulent account opened in my name Using my old address info Creditor Information- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX Phone XXXX Original Creditor Name SPEEDY CASH Balance {$830.00} Opened XXXX XXXX, 2019
|
| 06/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Older American |
|
My credit report shows a XX/XX/2022 write off of a 2 year 6 month old Speedy Cash debt of {$600.00}. I have never used Speedy Cash, do not know what Speedy Cash is. I have never received a notice of any kind from Speedy Cash.
|
| 06/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This collection was reported in my XXXX XXXX account and I do not know anything about what it was for. The company never sent me anything about this debt of {$1000.00} and I would like it to be removed from my credit profile.
|
| 10/02/2019 |
Yes |
- Debt collection
- Medical debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
XXXX XXXX XXXX is violating federal law XXXX5 U.S. Code 1692e. False or misleading representations ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney
|
| 09/04/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I want to see if I could negotiate my debt. I have an account from Speedy Cash that was originally for {$2000.00}. Now I am in collections for {$4900.00}. I want to see if I can negotiate to settle this debt. Any information?
|
| 02/16/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I reached out to Speedy cash directly and to the credit beaurus to verify that this debt was mines. I attached one of the letters. I didn't receive EVERYTHING that I requested in the letter verifying that this debt is mines.
|
| 01/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I opened the account on XXXX XXXX, XXXX for the amount of {$300.00} or so. I was being charged excessive amounts of interest and was unable to make the payments. The company then proceeded to put my account into collections.
|
| 03/22/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
I was looking at my credit repot and I have never applied for a loan with this entity. I believe my ex-spouse whom I have been divorced from since 2006 has been using my ss # to apply for various loans, including this one.
|
| 02/04/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I keep getting threatening emails from a lawyer at speedy cash, I have never taken out any loans. They keep asking me to send money or I'm gon na be prosecuted in a local courthouse. I need this to stop. It us harassment.
|
| 02/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent this company 2 letters asking to validate a debt they send me something not matching my signature. They can clearly see that based on my license. Yet they are trying to verify this debt with the credit bureau.
|
| 01/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have reached out to ad astra customer service, and company president by email asking to validate this debt. They have not responded but yet validated the account with the credit bureau. How that's possible I don't know.
|
| 07/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I had a payment get returned. I received a call from them to settle the matter. I told them I would pay them XX/XX/XXXX and figure out how to pay the past due. They keep calling me and my wife after giving them my answer.
|
| 07/31/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
i sent a letter to AD ASTRA RECOVERY SERVICE on XX/XX/2021 about a alleged debt of XXXX that i don't owe. i requested for the validity of the debt by certified mail # XXXX XXXX XXXX XXXX XXXX and has not heard from them.
|
| 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
|
|
Web |
|
|
Curo XXXX, XXXX XXXX from XX/XX/ + XXXX XXXX XXXX
I do not know why this company is on my credit report. I have no knowledge of this company or doing business with them. I need this hard inquiry removed from my credit.
|
| 09/29/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this debt several Times with XXXX but the company still has not provided accurate proof of debt to me. This is over 10 years old and she be off my credit. They keep adding it to my credit as if its new.
|
| 04/08/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently sent a letter to Ad Astra making them aware of affidavit filed through XXXX on XX/XX/2021 regarding a debt they allege I owe, but have never gotten loan through said company. I have yet to get their response.
|
| 08/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My collection account with Ad Astra increased. Which is illegal and a violation by CFPB regulations. No collection accounts amount should increase by any amount. This is clearly and illegal act by a collection agency.
|
| 02/06/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
So I had this debt removed off my XXXX and XXXX report they couldnt verify the debit but they will not remove it from my XXXX account and its charged off they keep calling threatening to take me to court if I dont pay
|
| 07/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with AD ASTRA REC plus they did not provide me with the original application like I asked.
Account No : XXXX Amount Disputed : {$1700.00}
|
| 08/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I have had a number messaging me and threatening to have me arrested for not making a payment through XXXX XXXX or through an XXXX card payment I cant get them to give tell how to pay this o er time with my debit card
|
| 06/25/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This debt is not mines because I never applied for a loan with this company and it was identity theft. I have contacted this company numerous times to tell them this and they still have this debt on my credit report.
|
| 01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Speedy Cash, who sold a payday loan to Ad Astra, then XXXX XXXX XXXX, then back to Ad Astra, and XXXX again, is still showing an account balance and is reporting a debt for an account that is beyond XXXX years old.
|
| 01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Speedy Cash, who sold a payday loan to Ad Astra, then XXXX XXXX XXXX, then back to Ad Astra, and XXXX again, is still showing an account balance and is reporting a debt for an account that is beyond XXXX years old.
|
| 10/06/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
After I told this debt collector that I would pay even though I dont have memory of this account they still decided to harass me. They would also call my grandma and uncles asking for me last year Im XXXX and XXXX.
|
| 07/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with XXXX RAPID CASH XXXX and I do not have a contract with AD ASTRA REC ) plus they did not provide me with the original application like I asked.
Account XXXX XXXX XXXX : {$120.00}
|
| 11/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
They stated the loan was mine but that's impossible I was in the hospital dealing with XXXX XXXX and XXXX XXXX as I had my eye removed at XXXX XXXX XXXX XXXX XXXX MD on the date dates I was told I applied for loan.
|
| 02/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
I signed up with a third party company to handle my pay loan with speedy cash and stopped payments with my bank and changed my debit card number yet they keep hitting my bank account somehow. I need help with this.
|
| 12/06/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
the date they have as the opening date of the account is wrong, they indicated that i had the debt in XX/XX/2014 which was wrong, it was way before that and they refused to send the copies of the documents i signed
|
| 03/19/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/2018 made contact with creditor that this account is not my and I have never requested such loan and was referred to make a complaint on line with the FTC and they do not want to take it off my credit report.
|
| 01/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On multiple occasions, I have asked that this info be verified as mine and the company refuses to respond. This account is not mine and can not be verified as mine so it should not be reported to my credit report.
|
| 10/04/2019 |
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
|
|
Web |
|
|
I received a hard inquiry from the company below on XX/XX/XXXX and again on XX/XX/XXXX AND XXXX XXXX, XXXX : CURO MANAGEMENT, LLC XXXX XXXX XXXX XXXX XXXX, KS XXXX I did not apply for any credit with this company.
|
| 08/10/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have never heard of this company I have tried to contact them they stated the loan was created via online and have no physical signature nor did they request for any verifiable documents proving that it was me.
|
| 05/27/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a letter to the company Speedy Cash on XX/XX/XXXX to request verification and validation of debt to reach an agreement to pay and as of today they have not responded of called to speak with me on the debt.
|
| 01/28/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I checked my credit report and found an open account from a payday loan from Speedy Cash opened XX/XX/XXXX. The store that is reporting this mark is located in XXXX, TX, where I have not resided since XX/XX/XXXX.
|
| 12/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
Servicemember |
|
15 USC 1681b Permissible Purpose AD Astra Recovery Services Inc failed to provide signed copies of agreement between all parties.
AD Astra Recovery Services Inc is not licensed in Virginia to collection debts.
|
| 04/23/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Speedy cash said I owed them XXXX dollars. I explained to them repeatedly it was not my account. Still, they are reporting it on my credit. Im tired of disputing a charge that doesnt belong to me for XXXX years.
|
| 05/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
The debit card that on file was stolen and by the time i got it fixed the account went into collections. Tried to fix it but the people told me i was no longer able to do business with them anymore XXXX for XXXX
|
| 11/03/2015 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
Speedy cash has had a negative mark on my credit report for years.I applied for a loan from them but got denied due to their files showing I have an unpaid loan.I have never received any money from this company.
|
| 03/23/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have asked to verify this account with my signature ( no electronic signature ) and a copy of my identification and the account that the money was deposited into.They can not provide the requested information
|
| 03/23/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have asked to verify this account with my signature ( no electronic signature ) and a copy of my identification and the account that the money was deposited into.They can not provide the requested information
|
| 07/02/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have contacted SpeedyCash as well as the credit bureaus on two separate occasions to determine why this duplicate or inaccurate report is on my credit! I have been ignored and no response has been sent to me!
|
| 11/15/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
THIS COMPANY SPEEDY CASH XXXX HAS REPORTED ON MY CREDIT REPORT AFTER MY BANKRUPTCY WAS FILED. ALL DEBT OWED SHOULD BE CLEARED IN MY CHAPTER XXXX. THE COMPANY NEEDS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT.
|
| 10/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The demo was {$300.00} submitted through speedy cash.com in XX/XX/XXXX. The amount owed is {$630.00} which is the wrong amount. This has been on my credit report for longer than 10 years and I want it deleted.
|
| 08/04/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have called the loan that was mentioned in the letter from XXXX XXXX. Spoke to XXXX XXXX to verify if I have a loan with them I have NO loan with them, also called Speedy Cash same I have no loan with them.
|
| 03/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
I took a loan from speedy cash/repid cash in XX/XX/XXXX and they just cashed a check for the payoff amount on XX/XX/XXXX. The collection agency that this was reported to made no attempt to contact me by phone.
|
| 09/03/2019 |
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
|
|
Web |
|
|
I do not recognize the following hard inquiries.
Date Company Address XX/XX/2019 XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/2019 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
|
| 02/15/2017 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
got a phone call from gray cloud recovery XXXX claiming to be representing speedy cash. i called speedy cash and they do not have an account with XXXX. they asked for my debit card and also claimed garnishment
|
| 03/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Some is using my information to get loans cars and other things Im finding out as I check my credit report Im a single mother trying to get a mom for my kids and this is making it hard for me and my children.
|
| 04/22/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
1 ) Concord Financial is showing 3 late payments. I NEVER had any account with them.
2 ) Numerous credit agencies and their inquiries are showing up on my credit report. I never authorized these inquiries!
|
| 03/26/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Received an email stating that if the collections agency did not receive payment they are going to sue me and garnish and confiscate all my wages. Which Im unemployed and they have no legal right to garnish.
|
| 02/28/2017 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
Servicemember |
|
Speedy Cash # XXXX is reporting a {$1200.00} debt on my credit report. I never had a loan with this company before. I tried to resolve this matter but can not get the help and cooperation I need.
Thank you
|
| 11/24/2015 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
Speedy cash without my permission debted my checking account twice. This unauthotized transaction caused my account to be insufficient. Spedy cash was suppose to cash my personal check not debted my account.
|
| 04/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Concord Financial - shows serious delinquency on credit report, but last reported information was in 2016. Account was closed and this is verifiable by the balance owed showing as XXXX on the credit report.
|
| 03/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 09/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
On my credit report, they reported my being 60, 90, and 120 days late, however, they failed to report the initial 30 days late. I have added a screenshot of what I am seeing on my credit report down below.
|
| 08/23/2021 |
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
|
|
Web |
|
|
I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.
|
| 08/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There's a charge-off loan account from Speedy Cash appearing on my credit report. I've never had an installment loan account with Speedy cash. Therefore, this account has to be a product of identity theft.
|
| 10/21/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
The company is reporting bad info to XXXX XXXX this is not my acct. and the date being used asthe date couldnt be right I thought first time of deliquency is the date XXXX thats the case this is impossible
|
| 03/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
This account was paid in full and I was advised that it would be removed from my credit report. I also continued business with this company after the account was paid. I would like it removed permanently.
|
| 03/08/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
About 3 years ago, it was reported to my credit report that I owed a debt of nearly {$2000.00} to an online lending company ( SpeedyCash ) I never have had business with.
I am a victim of identity theft.
|
| 10/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The demo was {$300.00} submitted through speedy cash.com in 2010. The amount owed is {$630.00} which is the wrong amount. This has been on my credit report for longer than 10 years and I want it deleted.
|
| 06/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Victim of XXXX XXXX and my report has hard credit inquiries that I never did. The only one I did do is from XXXX XXXX for my car. Closed accounts not taken off. And collection accounts that aren't mine.
|
| 11/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This company has not reported my on time payments. Also they are reporting this as a personal loan which it is not. Its a vehicle loan. They have the title to my truck for this loan. Its a vehicle loan.
|
| 11/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I previously disputed this account with the credit reporting agency but was unsuccessful with the proper results. this is the result of identity theft. please investigate this account and send me proof.
|
| 02/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
Someone took a loan out in my name years ago and it popped up on my credit making my credit drop 96 points. I disputed it now it came back and dropped my credit 61 points saying I need a fraud report.
|
| 06/28/2020 |
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
|
|
Web |
|
|
I was reviewing my credit today and an inquiry for XXXX appeared on my report. I don't know who this is and I have been actively cleaning up my credit so I have not made any inquiries in over 3 years.
|
| 06/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Due to the TEXAS lemon law they can only report the payments I paid. I paid all my payments on time. When the car broke down, the car can not be fixed. They can not continue to charge me or report me.
|
| 11/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My purse was stolen in 2020 with my cards and social. Someone took out a loan with XXXX XXXX that is not mine and stole my identity and it went to collections. Ive tried to dispute it multiple times.
|
| 07/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with 12 SPEEDYCASH COM XXXX TX and I do not have a contract with AD ASTRA REC plus they did not provide me with the original application like I asked.
Account No : XXXX
|
| 06/22/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XX/XX/2019 {$500.00} Certified letters mailed to all three credit bureaus and debt collector stating they were reporting an incorrect account number and that is against the Fair Credit reporting act.
|
| 04/11/2018 |
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
|
|
Web |
|
|
I disputed with XXXX XXXX XXXX inquiries that were not authorized by me. I also contacted XXXX XXXX made two inquirys on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
|
| 04/14/2017 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
XXXX is trying to collect a debt that I DO NOT owe them! I do not have a contract or agreement with XXXX so I would really appreciate it it they would remove the collection from XXXX, XXXX, and XXXX!
|
| 05/04/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
First Heritage Credit sent a personal loan check to the property I own in South Carolina, and someone cashed the check in XX/XX/2022. I was unaware of this transaction until it hit my credit report.
|
| 02/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
Didn't have the funds available. Tried to get the company to stop but the refused. Account is now XXXX negative and they continue to try and withdrawal and bank wont close account until I pay them.
|
| 04/20/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
Case number : XXXX This information in regards to this case number ; i have disputed the information and obtained new information about the company with desist and refrain orders out of California.
|
| 01/03/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They had been calling me every hour with many different number and not leave the messages on voicemail. It is very annoyed and its frustrated. I called and I asked them to stop calling repeatedly.
|
| 01/31/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Servicemember |
|
They sent me and an attorney an email stating that " we will be Emailing/ Fax this issue to your current employer to make sure they take strict against you. Your salary wages will be garnished. ''
|
| 06/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
In XXXX I was served court papers in XXXX county mo on a loan. The loan was with speedy cash but the thing is I didnt take our a loan. They filed papers with the court on a loan I didnt apply for
|
| 10/04/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
They keep on sending me emails telling me I'm going to be arrested for a loan that : a ) That I either took out and was paid.
b ) A loan from a company that I never heard of or taken a loan from
|
| 07/08/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
I borrowed {$400.00} and the payoff 1month later is {$690.00}. The interest rate is super high. Didn't explain it properly. Then I learn that they are a third party lender. Help. Highway robbery.
|
| 02/13/2017 |
Yes |
|
|
|
Web |
|
|
I have n't obtained a loan through Speedy Cash. I have disputed this with all the credit bureau but XXXX XXXX XXXX XXXX XXXX will not remove or provide me with any documents verifying the account
|
| 07/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
I have identity theft and all my information was found on the dark web. My address, phone number and social security number. Im scared that my money was transferred bank account to bank account.
|
| 04/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Took more than 30 days to verify debt- Failed to supply a contract or proof of a signed directly with this company.
I Did not sign a contract with this company that is reporting. Please remove
|
| 06/11/2020 |
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
|
|
Web |
|
|
I have settled my account for {$800.00}. The balance was {$1200.00}, and the collection is showing that I owe {$430.00}. I have filled disputes.and its coming back as accurate. Thats ridiculous.
|
| 05/17/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Creditor Name XXXX XXXX XXXX Original Creditor 12 SPEEDY CASH 83 Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX
|
| 06/10/2015 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
Servicemember |
|
Speedy Cash has an entry on my credit report as applying for a title loan. I have never applied for a personal title loan from this company. This error is causing problems with my credit report.
|
| 10/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information that should be on the report is missing
|
|
Web |
|
|
Um yes my name is XXXX XXXX and the reason I'm txting is because my credit is lock file is locked I caint use my credit because XXXX got security freezie locked I caint get a load because XXXX
|
| 05/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I got a XXXX $ payday loan in 2016 from speedy cash. I offer to pay what I owed. Because of a judgement they put on me..for XXXX now it has went up XXXX $ because I supposedly owe that interest
|
| 06/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
They told me they no longer had access to my account. Its appearing as a wrong date on my credit report. It should be off my report already?!! Its affecting my chances of my credit going up!!!
|
| 04/05/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I received a loan in the amount of XXXX. I was told that the pay off would be XXXX. Now Im told that my monthly payments of XXXX was just to keep the loan open and none will apply to the loan.
|
| 02/25/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not have any contractual obligations to this debt collector, once a debt is written / charged off, that debt becomes paid and contract is good. I have absolutely no obligation with them.
|
| 04/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Obtained copy of consumer report and noticed unauthorized accounts and inquiries I submitted a ftc report I am a victim of identity theft and i am demanding removal of accounts and inquiries
|
| 11/29/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Servicemember |
|
I received a scam e-mail much like others I have learned. This email demands I make payment or will be prosecuted.
XXXX XXXX XXXX of XXXX XXXX Speedy cash Service Department of payday Loan
|
| 08/12/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.
|
| 08/12/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them or else remove the account from reporting on my credit report.
|
| 01/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.
|
| 05/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
I opened a loan with this company many years ago. I've written several letters asking for original agreement and also a history of payments. They have refused to send this information to me.
|
| 07/24/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
Servicemember |
|
excessive calls and threats felt very threatened made a payment to stop threats and jail still called and very aggressive wrong amount asked for settlement due to financial hardship refused
|
| 10/20/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
A company called Speedycash.com has placed a debt on my credit report that I do not own. I have never applied for any loans with this company and have no knowledge of this ever being done.
|
| 08/24/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I was on XXXX looking at my credit score and I seen a report for an auto loan that I did not apply for but yet it is on my report and damaging my credit. please help me resolve this issue.
|
| 12/10/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello, XXXX XXXX has sold the debt to Ad Astra Recovery Services XXXX Both are reporting a balance to all XXXX credit bureaus. This is violating my rights please delete these immediately.
|
| 04/19/2016 |
Yes |
|
|
|
Web |
|
|
I have not applied or received any oaday loans but one is listed on credit report. Called the copany and confirmed not my accout but collection agency still has not removed from my credit
|
| 01/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
Was informed I filed bk was informed by my attorney that I filed bk. Has repeatedly contacted me and has threatened to tell all of my personal business to my references as well as sue me
|
| 03/12/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
The lawyer put a lien on my home and its stopping me from sale it. I called speedy cash and the state that they dont know who this is. The only people that can collect is XXXX XXXX XXXX
|
| 10/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I dislike it! I've spent many months sending disputes and writing complaints, but I'm still not seeing any outcomes from my disputes. This is causing me extreme discomfort and stress.
|
| 03/15/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
|
| 11/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
They are doing multiple ACH withdrawals causing my account to go negative with NSF in one day, 4 times on XX/XX/18 then twice XX/XX/18 instead of doing 1 time multiple times in 1 day.
|
| 07/06/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report It has been well over 30 days and I haven't received any investigation results. Please help me with this.
|
| 02/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
AD ASTRA RECOVERY SERV is claiming that I owe them {$1500.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
|
| 03/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have never taken out a payday loan through ANY cash advance company. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with Speedy Cash.
|
| 10/15/2017 |
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
|
|
Web |
|
|
I contacted this agency and requested verification of the documents and even though the letter was signed for I have never received a reply from the letter mailed on XXXX/XXXX/XXXX.
|
| 12/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Account was sent to collections but still reporting as open on my credit report. I tried to file a dispute with XXXX and they still are stating that it is accurate and not closed.
|
| 03/15/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
|
| 02/02/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have XXXX collections on my reports that I never applied for. I would like them immediately deleted. Please see attached letters to the creditors and the collections companies.
|
| 10/20/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
A company called XXXX has placed a debt on my credit report that I do not own. I have never applied for any loans with this company and have no knowledge of this ever being done.
|
| 02/12/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
Creditor/Collection contacted myself but failed to send required documents proving validation of debt within 5 days and now sent an email threatening numerous illegal procedures.
|
| 05/17/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Someone use my identity to retrieve a payday loan. My whole identity has been compromised these lies 10 years. Please remove fraudulent collection appearing on my credit report.
|
| 08/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
2017 i called to leave a message that i was moving out of state. i lost many files in this move. i made a change of address form at post office and did not get billed or called.
|
| 03/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
Older American |
|
I contacted the company in an email that i can not make mt oayment on Monday, XX/XX/25, they will not extend my repayment until Wednesday XX/XX/XXXX, when i will have the money.
|
| 03/15/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Payday Loans are illegal in the state of Arizona.
I had no idea the interest rate would be phenomenal.
How can they report to credit bureaus if they are functioning illegally?
|
| 03/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I've contacted XXXX XXXX XXXX numerous times to validate my debt because they are reporting inaccurate information on two accounts which include amount owed and accurate dates.
|
| 04/08/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I've sent this company a cease and desist and they still sent me a letter in violation of 15 USC 1692b ( 2 ) and 15 USC 1692f ( 8 ) They also have violated my right to privacy.
|
| 03/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
i got a collection on my XXXX report that i did not recognize and never receive any validation about the debt.
Original Creditor : XXXX XXXX and last report was on XX/XX/2022
|
| 02/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My name is XXXX XXXX, and I am filing my complaint without the help or influence of any third person or agency. Please read the attachments for my full complaint and request.
|
| 08/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I wasnt able to payback on loan due to lost of job. Im now catching up on my bill and can not afford to pay loan back. I would like for loan to be adjusted off as a courtesy.
|
| 04/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I requested validation of this debt in writing over 30 days ago and have not received any response. I would like to report them and have this debt removed off of my credit.
|
| 07/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My moms name is XXXX XXXX XXXX! I do not own any of these accounts, I would like them removed. Please help me remove this from my credit because this is holding me back ..
|
| 04/30/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
Email and phone threats about some many many years old interaction with a payday lender Speedy Cash for amounts I do not owe. Have received scam calls and now scam email.
|
| 02/11/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
AD Astra Claim this debt is Accurate & Consistent but on the original creditors ( Speedy Cash ) its 2 different incorrect spelling of my name, which is a major violation.
|
| 12/14/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Ad astra has been reporting inaccurate information, re-aged the account, reported inaccurate amounts alleged due and has been inconsistent in reporting the account type.
|
| 12/14/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Ad astra has been reporting inaccurate information, re-aged the account, reported inaccurate amounts alleged due and has been inconsistent in reporting the account type.
|
| 06/11/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Account was opened XX/XX/2015, I did not find out about this until recently when I saw it on my credit report. I tried to contact the company, but they will not respond.
|
| 09/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
these accounts are fraudulent! I've been disputing for about a year and they yet to provide sufficient evidence of these accounts. please remove them. and late payments
|
| 07/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
|
| 07/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
|
| 06/09/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I continue to ask to not call. Not to mention she calls before XXXX XXXX. I am exhausted and beat up over it. I get it. Covid-19 has create a stress factor and I XXXX.
|
| 02/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
AD ASTRA REC is claiming that I owe them XXXX} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
|
| 10/04/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
|
Money was withdrawn from my bank account that was no longer my bank account and this withdrawl was not authorized. Payments were being made to a XXXX party collection.
|
| 06/13/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This account is fraudulent and was opened from someone who broke into my vehicle and stole my person information. I do not owe any of this debt because it is FRAUD.
|
| 06/13/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This account is fraudulent and was opened from someone who broke into my vehicle and stole my person information. I do not owe any of this debt because it is FRAUD.
|
| 04/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.
|
| 10/19/2015 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
Speedy cash offered me a loan of XXXX then took XXXX from me and when I wanted to cancel loan thru charged me another XXXX they scanned me I never recieved my loan.
|
| 11/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
AD ASTRA REC {$1900.00} posted on XX/XX/2019 CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX
|
| 12/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
2013 I was paying a loan back to Speedy cash but instead they said I was only paying interest after thinking I s l was done paying for, Funds increased to pay back
|
| 09/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Please explain how you're reporting this account as reported on XX/XX/22, you are " re-aging '' this account and that is illegal. Please delete it from my report.
|
| 05/31/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
I got a loan for XXXX. Now they keep calling harassing me for XXXX XXXX I juts got evicted because I couldnt pay rent, How can I pay a loan triple what I borrowed
|
| 06/03/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I payed this off I on XX/XX/2016 I want this off my account the store I payed was on Airline in XXXX XXXX XXXX TX please call to get this off my account thank you
|
| 06/12/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
i see that a loan was placed on my credit that i did not apply for or get funds for i have no acknowledge of this account or funds i did not apply nor authorize.
|
| 10/13/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This loan was never mine. I disputed with the credit bureaus and the lender keeps coming back verified. I have went the proper channels and now I am just fed up.
|
| 08/28/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
A loan from Speedy cash was opened under my name without my permission. I am will provide documentation regarding my identity being stolen to get this removed.
|
| 09/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
You are reporting this collection as an " open account '' which is not under FCRA compliance This is inaccurate reporting and needs to be removed immediately.
|
| 03/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have asked them to stop calling me every hour every day. I have told them I wanted a signed contract with my signature where they say I owe them for a debt.
|
| 08/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I paid this off and the XXXX XXXX came out of no were and it’s hurting my score and it needs to be took off so my scope can be fixed it’s was thru speedy cash
|
| 06/25/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 03/16/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 03/16/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 02/26/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 08/03/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
A debt was put on my name for the amount of XXXX. Then later sold illegally to a debt collector by the name for AD Astra recovery services! Under US code 15
|
| 04/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX AND I HAVE BEEN COMPLAINNING ABOUT SPEEDY CASH BECAUSE ITS THE WRONG PRICE AND I NEED THEM TO REMOVE IMMEDIATELY AND THIS IS NOT THE RIGHT PRICE
|
| 06/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
A debt appeared on my credit report that was/is not mine. I contacted the collection firm and informed them it was not mine, but my statement had no effect.
|
| 01/19/2021 |
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
|
|
Web |
|
|
Why are you reporting when the Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report? This should be removed.
|
| 09/29/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
i have filed a dispute in regards to incorrect items on my credit report. it has been well over 30 days and i have not received any investigation results
|
| 02/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This has been removed from my credit report and they keep using different collection agencies. The balance was paid in full. This also was a payday loan.
|
| 05/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This Loan was paid and should not be reporting on my credit. I have reached out to the company and the credit bureau, I do not owe this company any money
|
| 05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I haven't received any investigation results.
|
| 04/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
After negotiating a settlement and paying such settlement, they refuse to close accout and mark as settled.
Credit report show s open and XXXX blance.
|
| 03/08/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX XXXX email received about a debt owed and legs action would be taken if not paid. Despite having no loan from the company or any sub company
|
| 08/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
Speedycash.com claimed to have given me a loan that I have never applied for or received. Tried to dispute with them through XXXX XXXX, and no results.
|
| 03/10/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
|
| 07/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - consumer verified as accurate. I contacted XXXX Dispute Specialists to report the inaccuracy.
|
| 02/05/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2015 they reported to XXXX again every 2 mths waa a fraud case but speedycash does not see it that way police report and ftc was given to them
|
| 01/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
A payday loan was charged to my account online. I never apply or received any cash to my knowledge. Now its on my credit report and I want it removed!
|
| 03/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
i seen on my credit report that there was a loan taken out under my name from rapid cash or speedy XXXX for {$360.00} and i never opened the account
|
| 04/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid off my loan with speedy cash and it still says its open but XXXX paid off its showing as a negative impact on my credit and dragging it down
|
| 08/24/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
In XX/XX/2019 I applied for a online loan and this company that told me to purchase gift cards and I would have the loan in my account the next day
|
| 06/05/2021 |
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
|
|
Web |
Servicemember |
|
i check my credit report and notice a large number of unauthorized inquiries and when i called they didnt assist me so i want to file a complaint!
|
| 05/20/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
Speedy cash I paid my settlement off with them, this account should be removed off my credit, I have tried to fax and email them numbers of times.
|
| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
( XXXX XXXX XXXX XXXX calls every day XXXX once XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
|
| 03/18/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
PAYDAY LOAN TAKEN IN 2014 I STILL HAVE DEBT COLLECTORS REPORTING TO MY CREDIT FILE ITS BEEN 8-9 YEARS. IT JUST GET PASSED FROM COMPANY TO COMPANY
|
| 07/28/2019 |
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
|
|
Web |
|
|
I see numerous inquiries on my credit report that aren’t accurated. XXXX XXXX also these medical information. I think identity thief is going on
|
| 07/08/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
I had taken out a payday loan from speedy cash. Upon paying back the loan in person. The credit was never notated was sent to a collection agency
|
| 10/02/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any results..
|
| 09/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
Speedy Cash reported {$1600.00} as collection on XX/XX/XXXX. Never took this out Tried to contact and no response several times in XXXX and XXXX
|
| 03/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
AD ASTRA REC is claiming that I owe them {$1500.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
|
| 03/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
AD ASTRA REC is claiming that I owe them {$2200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
|
| 02/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
AD ASTRA REC is claiming that I owe them {$3300.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
|
| 02/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
AD ASTRA REC is claiming that I owe them {$1000.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
|
| 01/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The debt on my credit was fraudulently put on that was not me I was a victim of identity theft and I would like it fixed as soon as possible.
|
| 10/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The information on my credit report is inaccurate. The address is incorrect, and the dates are also incorrect. Someone has compromised my ID.
|
| 03/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
AD ASTRA REC is claiming that I owe them {$670.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
|
| 10/07/2015 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
Speedcash is still trying to get more money from me and I paid them all of there money. I do n't know what to do do they will leave me alone.
|
| 02/22/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
An account with XXXX speedy cash is on my credit report and I did not open a account with them the amount owed is XXXX it was opened in 2014
|
| 06/27/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American, Servicemember |
|
I have Filed Bankruptcy on this loan, And have refused to take it off XXXX XXXX. I have this Right to have this Removed, Please help Thanks.
|
| 10/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I would like to Negotiate a plan to get the speedy cash loan off my credit! If you could please contact me at your earliest convenience XXXX
|
| 04/23/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am completely unaware of this collection agency. I was never notified about an attempt to collect a debt. The debt has not been verified.
|
| 04/23/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am completely unaware of this collection agency. I was never notified about an attempt to collect a debt. The debt has not been verified.
|
| 11/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not know this company that is collecting this debt and I do not own this debt and this is so unfair. Please help me get this removed.
|
| 09/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A loan was placed on my birthday XX/XX/2020 last year. At speedy cash. Never took out this loan never was even working to take out a loan.
|
| 04/15/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have never had any relation to this company. Someone must have given them my number as I have never had any business with this company.
|
| 09/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I do not owe this debt. Company agreed to delete this account once paid yet it is still being reported on my credit as a paid collection.
|
| 03/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
I got a report on my Credit that says I took out a loan in that state but used a XXXX ID card. Property that was lost in a Self Storage.
|
| 01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
It states I owe a loan but I have never received it applied for any loans can u provide the documents original copy proving this my debt
|
| 01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
It states I owe a loan but I have never received it applied for any loans can u provide the documents original copy proving this my debt
|
| 10/11/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/2019, {$1700.00}. I reached out to the company and they would not help me. Now this reporting would not allow me to get a mortgage
|
| 06/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
SOMEONE OPENED A PAYDAY LOAN UNDER MY INFORMATION ONLINE ... I DONT KNOW WHEN OR HOWS MUCH, BUT IT IS ON MY CREDIT REPORTS.. PLEASE HELP
|
| 10/09/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I did not take this loan out!! I tried to work it out with them and they threatened to take me to jail over something that is not mine
|
| 12/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
Servicemember |
|
FCRA 604 Permissible Purpose FCRA 609 Disclosures to consumers AD Astra Recovery is not licensed as a collection company in VA or MD
|
| 11/11/2021 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
My bank account was taking all of my funds out of my bank account I want payment stopped cant afford for all of my funds to be taken
|
| 04/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The dates shown on my credit report are incorrect. This is several years old and the info on my credit report shows that its recent.
|
| 03/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I disputed two accounts with all three credit Bureaus, and XXXX and XXXX removed the accounts, but did not do so on XXXX. Speedycash
|
| 05/26/2015 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
I asked for a letter correspondence so I can use a debt management company, still calling me for payment, and calling family members
|
| 07/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Company has placed information onto my credit report that isnt correct They can not provide information to prove ownership of debt.
|
| 10/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
This account is older than 7 years from the FIRET delinquent date. However, another date is given as the original delinquent date.
|
| 04/12/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Got a letter from AD ASTRA recovery services saying a owe a certain amount of debt from a loan I got out from speedy cash services
|
| 03/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have attempted to contact company several time with no response. This is not my debt. I don't have an account with this company.
|
| 02/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I didnt get this loan they tried to take out {$630.00} of my money I didnt get from they say I got {$400.00} dollars I havent got
|
| 09/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
On the collection on Speedy Cash.keeps changing dates & .year to become a recent transaction. Information on dates are incorrect
|
| 12/30/2016 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
attempting to collect on a debt that is XXXX years old and is not reported on any of the XXXX credit reporting agencies reports.
|
| 10/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Scam email to collect a false debt. I have never used speedy cash, dont even know what that is if its a game site or loan site.
|
| 11/01/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
XXXX/XXXX/2017 speedy cash withdrew {$600.00} from account after having account sending account to 3rd party collections agency
|
| 08/05/2015 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
On XXXX/XXXX/15 I requested validation from XXXX XXXX. As of XXXX/XXXX/15 I have not received any proof of this debt from them.
|
| 04/12/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Got a letter from AD ASTRA recovery services saying a owe a certain amount of debt from a loan I got out from speedy cash XXXX
|
| 04/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
Servicemember |
|
This dept was paid, I have a paid receipt and I show my bank withdrawal for this amount. Rapid cash is claiming it's not paid.
|
| 03/25/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I paid the debt and the debt collector would not provide the paid documents. demanded money for attorneys fees and court fees.
|
| 05/10/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I took out a loan, and I have recently gone through financial hardships and not have been able to pay the debts on their time,
|
| 06/15/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I have disputed and submitted documents ( Bank statements ) that prove the debt was paid and should never gone to collections.
|
| 11/01/2016 |
Yes |
|
- Payment to acct not credited
|
|
Web |
|
|
I submitted multiple payments to SpeedyCash for a payday loan. They still reported to my credit bureau an outstanding balance.
|
| 07/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are 2 inquiries on my XXXX credit report that should not be there that I have not applied for from Curo Management LLC.
|
| 10/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I was contacted by a representative of Speedy Cash stating that I had a payment past due.I don't do business with Speedy Cash
|
| 06/04/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I contact speedy cash about the loan, and told them the monthly payment was to high to pay. The agent was very rude with me.
|
| 03/10/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I took out a payday loan for Speedy Cash for XXXX and my fees and everything went to XXXX, I was n't expecting those charges
|
| 04/23/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
It was {$350.00} when I borrowed {$300.00} for a payday loan and I also have a XXXX title loan from the same place for XXXX
|
| 02/02/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
A loan was taken out in my name. A bank account ( XXXX ) was used that i do not have. I submitted a police report for this
|
| 06/24/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I got an email from XXXX XXXX XXXX say i own money to speedy cash. I don't have a loan with then and this is not my debit.
|
| 11/21/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't stop withdrawals from your bank account
|
|
Web |
|
|
I contacted the company when I lost my job. They were not willing to work with me. Automatically withdrew from my account.
|
| 11/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Sim card was stolen from phone. Suspects applied for loans in my name through the months of XXXX to XX/XX/XXXX XX/XX/XXXX
|
| 08/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I have never signed any documents or received any goods or services from this agency. I just started to receive letters.
|
| 02/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
My balance just keeps increases no matter the amount I pay. It continues to rise instead of decreasing from my payments.
|
| 08/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I never open a account with XXXX its shows reported incorrect in my credit report pls remove from my credit history asap
|
| 05/26/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Speedy cash has opened an account on my credit of {$2100.00}. I am unaware of this charge and I would like it disputed.
|
| 07/28/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Unauthorized Charges dont agree or accept terms. Wrong Date should have been charged off. Account opened 2006 Colorado.
|
| 02/20/2016 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid taxes for amount of balance difference for 2014 federal tax income. Issue should not be on my report any longer.
|
| 08/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ad Astra is showing increase in a collection account. Which by law, no collection account amount can legally increase.
|
| 03/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The following account is not mine SPEEDYCASH COM XXXX CA Account Number : XXXX Please remove it from my credit report.
|
| 07/21/2015 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
Pay Day Loan was taken out in my name XX/XX/XXXX 2015 from " Speedy Cash ''. I did not request this loan/application.
|
| 03/05/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
AD ASTRA RECOVERY SERVICES is reporting a debt in the amount of XXXX to the credit bureaus that I did not authorize.
|
| 06/06/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Did n't know my social security number was used That took place with this loan Definitely need it fixed on my credit
|
| 01/29/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I sent a debt validation to the XXXX main credit bureaus on XX/XX/2021 to Ad Astra Recovery Services for {$300.00}
|
| 05/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have a hard inquiry on avio credit which was paid and settled by XXXX XXXX XXXX. They are still trying to collect
|
| 10/08/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Did not receive proper notification of collection. No phone call or mail the item just went straight to collection.
|
| 10/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Late payments are not correct and needs to be removed.
Collection account is not correct and needs to be removed.
|
| 05/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have a hard inquiry on XXXX XXXX which was paid and settled by XXXX XXXX XXXX. They are still trying to collect
|
| 11/03/2015 |
Yes |
|
|
|
Web |
|
|
I have made several request to Speedy Cash to Cease & Desist all phone calls and I still am receiving phone calls.
|
| 10/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I am willing to make payment arrangements but I am getting emails from an attorney threatening me with a warrant.
|
| 04/28/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I didn't take out a loan with the company. The SSN # is not have is not mine.
XX/XX/20 is when it was taken out
|
| 06/06/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Speedy Cash Was reported on XXXX2014 the merchants stated it was a online loan and I have no known knowledge of.
|
| 07/14/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This debt has been included in Bankruptcy case XXXX. It is still showing up on my credit as an open collection.
|
| 02/15/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
none of the paper work has my name, its 2 different incorrect spelling of my name, which is a major violation.
|
| 09/07/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
speedy cash charged me {$310.00} for a loan of only {$240.00} then reported it to my credit report please help
|
| 12/30/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I keep receiving emails with my personal information from a XXXX XXXX stating that I owe them money XXXX XXXX
|
| 01/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Company sent threatening email. They threatened to file a lawsuit for over XXXX dollars when I only owe XXXX.
|
| 08/14/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
I tried to get the loan and I got approved for it but when they told me rates I never got any money from them
|
| 01/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
XXXX of 2016 constant calls emails monday thru sunday up to XXXX XXXX at nights ..calling my bank to get info
|
| 01/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
I cant exactly remember the date this occur but it's a fraudulent account that I knew nothing of for so long
|
| 02/23/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Company bought old debt that has been paid company bought and is harassing me to pay debt that has been paid
|
| 02/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I send a letter to stop payments as I did pay enough to cover the borrowed amount, not the high interest.
|
| 10/23/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Paid the company they will not remove them self from my credit and they still are reporting late payments
|
| 11/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Im not sure about the date but speedy cash making my credit bad they deleted it for my XXXX not the XXXX
|
| 03/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I never gave any written consent to report anything on my consumer report. No consent is identity theft.
|
| 11/30/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Speedy cash XXXX This account was open on XX/XX/2019 I want this off my credit I didnt open this account
|
| 07/01/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Speedy cash would not let me set up an arrangement to pay off and I was out of work due to the pandemic.
|
| 02/17/2016 |
Yes |
- Debt collection
- Payday loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
We 're not able to agree on the amount owed. I do owe them money just not the amount they 're claiming.
|
| 11/15/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
Ive been applying for loans an not Recieving anything but approved would like to receive all payments.
|
| 06/22/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
They've called me 3 times today & I'm currently only one day late on my payment. This is harrassment.
|
| 04/11/2017 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
Servicemember |
|
Bank charged me an overdraft fee and they charged me over and over again before our agreed upon date.
|
| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Account was refinanced but company reported a late payment to XXXX, account information was wrong.
|
| 02/24/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This debt was paid off and is still reporting on my credit report. This was supposed to be deleted
|
| 12/04/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was told I owed money for an online payday loan that I never applied for nor had knowledge about
|
| 08/26/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
Speedy Cash online payday loan. They misrepresented loan interest. I couldnt understand the terms.
|
| 10/05/2019 |
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
|
|
Web |
Servicemember |
|
These credit inquiries are unauthorized and need to be removed from my credit report immediately.
|
| 11/17/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Ad Ashta has ignored attempts to update the credit bureau records. I will attach correspondent.
|
| 03/09/2016 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have disputed this and demand legal verification. this is on my credit report and I disagree.
|
| 11/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Information on credit report is being reported incorrectly negatively affecting personal data.
|
| 03/26/2017 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
the company added interest illegally and is still refusing to remove it from my credit report.
|
| 03/03/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with cash advance
|
|
Web |
Servicemember |
|
A loan was issued on XX/XX/2020 by an unknown person in my name through Speedy Cash for XXXX.
|
| 10/18/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
My account was placed in my bankrucpt but they still keep putting it back on my credit report
|
| 02/18/2016 |
Yes |
|
- Can't stop charges to bank account
|
|
Web |
|
|
Speedy Cash took {$1000.00} out of my bank account without my permission on a {$300.00} loan.
|
| 06/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Curo management it should not even be there I do not have no idea about it I want it removed
|
| 03/27/2015 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have completed all payments, but it still shows as an open collection on my credit report.
|
| 07/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
The debt collector threatened to call my job and find out where i was to arrest me on site.
|
| 03/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A hard inquiry was reported on my credit on XX/XX/XXXX of 2020 in which I did not apply for
|
| 08/10/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Company is trying to collect outstanding interest after loan of {$500.00} was paid in full
|
| 04/11/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The debt was back in XX/XX/2012and should have been resolved by now and the debt was paid
|
| 11/07/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
Someone is calling me to a store to come in. Even with all my information I was denied.
|
| 02/23/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This account is over eight years old I have tried to make arrangements and they refused
|
| 12/15/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THERE IS A CHARGE OF XXXX ON MY CREDIT REPORT THAT WAS OPENED BY ME ON XX/XX/2018 2018
|
| 03/02/2020 |
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
|
|
Web |
|
|
Inquiry on XX/XX/2020 that I didnt not make.
Curo management Llc for a personal loan
|
| 10/16/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I dont recognize this debt. From Ad Astra recovery service. Account opened XXXX XXXX
|
| 04/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
It has where I lived at the time wrong and name was XXXX when it supposed to be XXXX
|
| 06/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I never pulled out a loan for the amount indicated on credit report nor the date.
|
| 01/15/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I did not get this loan somebody used my social security number and got this loan
|
| 02/14/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
The original loan was for {$500.00}. It has since almost doubled due to interest.
|
| 05/07/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I received the attached scam email regarding a payday loan that I never took out.
|
| 10/26/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
It shows i opened an account with speedy cash for {$680.00}. Which i didn't do.
|
| 06/02/2015 |
Yes |
|
- Applied for loan/did not receive money
|
|
Web |
|
|
I ca n't stop Bill collectors for harassing me. Or making have conical problems
|
| 03/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have zero knowledge of this account it does not belong to me is 100 % fraud!
|
| 03/26/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
the information is incorrect account paid in full still a negative collection
|
| 02/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Debt has not been verified. There was no contract or signature provided.
|
| 11/15/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Did A dispute by in XXXX and still havent heard back from the company
|
| 10/19/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
|
XXXX/XXXX/XXXX {$400.00} I called numerous times and no-one answered
|
| 07/01/2019 |
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
|
|
Web |
|
|
I do not recognize authorizing a credit inquiry from this company
|
| 10/08/2015 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I was charged a great amount of interest and was not aware of it.
|
| 06/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
They are charging over 150 % in interest. That wasn't agreement.
|
| 01/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Data breach information was compromised. Don't recognize account
|
| 08/05/2015 |
Yes |
- Debt collection
- Payday loan
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
Received multiple threat calls to my cell, my job and my family.
|
| 02/24/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX XXXX {$310.00} PAID Wont remove from my credit report
|
| 08/16/2019 |
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
|
|
Web |
|
|
Curo management llc hit my credit and I recognize that company!
|
| 07/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I've been approved for {$500.00} and never received a loan yet
|
| 08/16/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
Servicemember |
|
Rapid cash is after me for XXXX dollars that I never received.
|
| 08/04/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
investigation took longer than 30 days, no results recieved
|
| 06/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Was approved for a loan, but didn't receive money
|
|
Web |
|
|
I was pre approved for a loan but did not receive payment
|
| 01/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
States that I owe a balance of {$800.00} and odd dollars.
|
| 07/10/2021 |
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
|
|
Web |
|
|
RAN CREDIT WITHOUT MY PERMISSION VICITIM OF IDENTY THEFT
|
| 02/09/2020 |
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
|
|
Web |
|
|
Unable to resolve any listed credit pulls with companies
|
| 01/25/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
You can see in email being harassed no matter what I say
|
| 08/15/2016 |
Yes |
- Debt collection
- Payday loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Never received a balance to pay off to close the account
|
| 08/23/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Impersonated an attorney threatened to take me to jail.
|
| 10/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Information is not consistent across 3 credit bureaus.
|
| 09/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Harassing mail and told wouldnt put this on my credit!
|
| 06/15/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt has been paid in full and should be removed.
|
| 03/09/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
this was discharged in a XXXX XXXX bankruptcy in 2019
|
| 03/02/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
XX/XX/XXXX there was {$820.00} taken out of my acct.
|
| 03/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
THIS ACCOUNT WAS FARUD AND WAS OPENED UP IN MY NAME
|
| 06/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
Got the loan n didn't have any way to make payments
|
| 10/08/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Web |
|
|
This is not my account I never received any payment
|
| 04/01/2017 |
Yes |
- Debt collection
- Payday loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
They kept charging me, even after the debt was paid
|
| 10/05/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I paid 30 % and settled with an attorney XXXX XXXX
|
| 11/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Ad astra is in violation of the FDCPA 15 USC 1692
|
| 10/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
Speedy Cash change me so much fee over the amount
|
| 01/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
the XXXX that was put on my credit was not mine
|
| 01/03/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was charged for a loan i never applied for.
|
| 06/25/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
Using fake loan site to collect banking info
|
| 02/15/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no recollection of this account.
|
| 10/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This acct # XXXX does not belong to me.
|
| 03/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XXXX adjust Amount XXXX XX/XX/2020
|
| 07/31/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I feel my privacy has been violated.
|
| 10/27/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
pay loan requesting payment for loan
|
| 03/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Unauthorized inquiry/inquiries.
|
| 12/09/2017 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I neglected to pay it back.
|
| 02/12/2017 |
Yes |
|
- Payment to acct not credited
|
|
Web |
Servicemember |
|
Account was paid as agreed.
|
| 01/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
Said I didn't pay my loan
|
| 08/14/2015 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
I never got this loan.
|
| 03/21/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Never received loan
|
| 04/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
Debt not owed.
|
| 04/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX is unfit
|
| 01/19/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/27/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
|
| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/29/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/10/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/06/2023 |
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
|
|
Web |
|
|
|
| 03/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/17/2023 |
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
|
|
Web |
|
|
|
| 02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/02/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/30/2023 |
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
|
|
Web |
|
|
|
| 01/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 01/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/11/2023 |
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
|
|
Web |
|
|
|
| 01/09/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/07/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/06/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/01/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 12/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 12/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 12/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/19/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Phone |
|
|
|
| 12/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/12/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/03/2022 |
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
|
|
Web |
|
|
|
| 12/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/30/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/28/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 11/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 11/10/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 11/06/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 11/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/01/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/21/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 10/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 10/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/16/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 10/12/2022 |
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
|
|
Web |
|
|
|
| 10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 10/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 10/09/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/08/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 10/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/04/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 09/26/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 09/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/13/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
|
| 09/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/27/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/23/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 08/19/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/18/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 08/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/07/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 07/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/26/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 07/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 07/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/16/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/13/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 07/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 07/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/01/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 06/28/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/27/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/27/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Web |
|
|
|
| 06/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/19/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 06/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/16/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 06/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/10/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/10/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 06/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 06/02/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
|
| 05/28/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
|
| 05/27/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 05/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/26/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 05/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/23/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 05/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 05/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/19/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/19/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 05/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Referral |
|
|
|
| 05/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 05/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Phone |
|
|
|
| 05/11/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 05/09/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Phone |
|
|
|
| 05/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 05/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/03/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/03/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 05/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Referral |
Servicemember |
|
|
| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/30/2022 |
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
|
|
Web |
|
|
|
| 04/30/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 04/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
|
| 04/29/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/28/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
Servicemember |
|
|
| 04/27/2022 |
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
|
|
Web |
|
|
|
| 04/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/23/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/22/2022 |
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
|
|
Web |
|
|
|
| 04/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/21/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 04/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
|
| 04/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
|
| 04/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Phone |
|
|
|
| 04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Phone |
|
|
|
| 04/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/12/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
Servicemember |
|
|
| 04/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 04/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
Servicemember |
|
|
| 03/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/26/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/23/2022 |
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
|
|
Web |
|
|
|
| 03/22/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/21/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|