| 03/20/2023 |
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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This complaint is concerning Excessive Intrest Rates, extending the loan by using intrest accumlated on intrest, credit reporting, payroll garnishment, providing a false amount due to the court and failure to noteify of court action. It was my understanding that this debt was paid in full and at 3 times the total value of the loan on XXXX XXXX, XXXX though payroll garnishment. On XXXX XXXX, XXXX the XXXX XXXX XXXX did not take out any further payments. As my check stub reflected that {$3400.00} had been paid to garnishment. And the amount ordered to be paid was {$3000.00}.
Eagle Loan of Ohio XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Phone XXXX Attorney XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Phone XXXX. Case # XXXX.
XXXX XXXXXXXX is legally represented by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Phone : XXXX or XXXX.
XX/XX/XXXX I was off work on short term XXXX due to having XXXX XXXX XXXXXXXX. While off work my pay was reduced and I got behind on my Eagle Loan.
I went to Eagle loan multiple times tring to get them to take a partial payment or to move the late payment to the end of the loan so that I could stay current on my loan and in good standing with them. I had, had several loans with Eagle Loan in the past and paid them all off.
However, Eagle loan absolutely would not work with me in anyway shape or form. They wanted that payment plus intrest. They told me I could either pay it in full or else they were going to go to small claims court with it.
At the time due to Eagle Loans refusal to work with me, I thought a court ordered garnishment would setup a reasonable payment/garnishment amount for the under {$1000.00} that I owed Eagle Loan and that would solve my problems with getting Eagle Loan refusing to accept payment.
XX/XX/XXXX Attorney XXXX XXXX, on behalf of Eagle Loan filed a garnishment against me with the XXXX XXXX XXXX.
When I received the notification that they had requested a hearing, I was mistakenly relieved, thinking that the court was just going to order reasonable payments for less than {$1000.00}. I had no objection too and therefore did not attend the hearing. Huge mistake on my part.
XX/XX/XXXX the judgment was entered with the court in favor of Eagle loan for a whopping {$3000.00} with accruing interest rate of 25 %.
XX/XX/XXXX I was served a copy of the judgment. And was devastated to see that Eagle Loan had asked for and was awarded {$3000.00} with an additional accumulating outrageous interest rate of 25 %. On a loan that had a bal of under {$1000.00}. Three times the value of the loan.
I say that I owe them under {$1000.00} because I can not give the exact figure that I owed them. Due to Eagle Loan did not issue monthly statements, monthly bills, nor did they have an online access where I could monitor my monthly payments and interest balance. At the time of the loan, Eagle Loan required that my payments be automatically taken from my bank account. However, there were times that I paid them early in cash by going to their local office. Due to Eagle Loan not providing any paper or digital documentation of payments and monthly balance. I am uncertain about the exact number that I owe. I just know that it was somewhere between XXXX and {$900.00} continually fluctuating to predatory interest rates. Therefore I am certain due to the amount of payments that I had already made on the loan, that I owed under {$1000.00}. And absolutely nowhere near the {$3000.00} that Eagle Loan was granted.
The only documentation I was ever given by Eagle loan was my original loan contract. Which sadly I do not still have.
Upon receiving the court order, I immediately called the XXXX Municipal Court and requested a hearing. I advised the courts Clerk that the exorbitant over inflated amount that Eagle Loan had presented to them was in excess of over 3 times the actual value of the loan.
The courts Clerk stated, that since I did not show up for the hearing, I could not contest this amount and they would not schedule a hearing. And that they would be taking the {$3000.00} through payroll garnishment and did not need any consent from me to do so.
All dates and amounts listed below I found on the XXXX Municpal Courts website on XX/XX/XXXX, by looking up my name. There is no reflected balance list anywhere on this website.
XX/XX/XXXX order of garnishment was served upon XXXX XXXX XXXX my employer at the time.
XX/XX/XXXX XXXX XXXX XXXX responded to Municipal Court advising that they would begin the garnishment XX/XX/XXXX I contacted the Municipal Court again and again requested a hearing. This time due to the Covid epidemic they did schedule a hearing for XX/XX/XXXX but instead of allowing me to appear due to the Covid restrictions, I had to submit an affidavit to speak for myself, since the court was not permitting in person hearings.
XX/XX/XXXX of XXXX, XXXX Municipal Court received according to their own online records {$340.00} for which the court assigned a receipt number of XXXX.
XX/XX/XXXX the magistrate at the XXXX Municipal Court ordered that my garnishment be stayed until the end of the pandemic which they estimated to be XX/XX/XXXX of XXXX. And that all monies the court had already received out of my check, be returned to me.
XX/XX/XXXX the magistrates decision was filed an excepted by the court XX/XX/XXXX a copy of the stay of garnishment was mailed to the XXXX XXXX XXXX, my employer, myself, and attorney XXXX.
XX/XX/XXXX XXXX Municipal Court received another payment from my employer as the payment was issued prior to my employer, acknowledging receipt of the stay of garnishment. By the XXXX Municipal Court 's online record they received {$370.00} on this date and issued a receipt # XXXX XX/XX/XXXX the XXXX Municipal Court returned to me the two payments that they had received. One for {$340.00} and the second for {$340.00} to equal {$720.00}.
XX/XX/XXXX the XXXX XXXX XXXX automatically without a new order of the court, started deducting from my payroll check again.
XX/XX/XXXX the XXXX Municipal Court received a sum of {$430.00} and assigned it receipt number XXXX.
XX/XX/XXXX of XXXX the XXXX Municipal Court received the sum of {$410.00} and assigned it the receipt number of XXXX.
XX/XX/XXXX of XXXX attorney, XXXX filed a motion with the court to restart my payroll deductions that had already been restarted and the court had already received two payments since XX/XX/XXXX. Thereby causing unnecessary court costs.
XX/XX/XXXX the magistrate ruled on attorney XXXX motion to lift the stay of my garnishment and to begin taking out payroll deductions. Which had already begun to be taken since XX/XX/XXXX of XXXX.
XX/XX/XXXX that XXXX Municipal Court received a third payment in the sum of {$450.00} and a signed receipt number XXXX XX/XX/XXXX that XXXX Municipal Court received the fourth payment in the sum of {$440.00} and assigned a receipt number of XXXX XX/XX/XXXX XXXX Municipal Court issued check number XXXX to attorney XXXX XXXX. The payment sums included in this check totaled {$1700.00} as listed on the XXXX Municipal Court website.
XX/XX/XXXX XXXX Municipal Court received the sum of {$450.00} and assigned a receipt number of XXXX XX/XX/XXXX of XXXX that XXXX Municipal Court received a sum of {$500.00} and assigned a receipt number of XXXX.
XX/XX/XXXX XXXX Municipal Court issued a second check to attorney XXXX check number XXXX to include sums equaling {$940.00}. When added to the XX/XX/XXXX payment attorney XXXX received of {$1700.00}. Brought XXXX XXXX is total Ive received monies to {$2600.00}.
Upon adding together, all of the total sums that the XXXX Municipal Court list on their website as payments received to include receipt numbers for those payments, the XXXX Municipal Court received a grand total of {$2700.00} between XX/XX/XXXX XXXX XXXX. To which they distributed to XXXX XXXX, {$2600.00}. leaving a {$37.00} unlisted destinations.
According to XXXX XXXX XXXX pay stub for XXXX XXXX dated XX/XX/XXXX it shows a grand total of {$3400.00} as being withheld from XXXX XXXX pay and pay to the order of the XXXX municipal courthouse to be distributed to attorney XXXX.
The withholdings of XXXX XXXX class XX/XX/XXXX paycheck show that on this day no further deductions were being withheld from XXXX XXXX pay. The total year today sum of {$3400.00} exceeded the court ordered amount to be paid of {$3000.00}.
It was XXXX XXXX believe that as of that date her debt to include all intrest, fines, fees, and penalties due to the XXXX Municipal Court and or attorney. XXXX XXXX on behalf of Eagle Loan was satisfied, and that this debt was no more with a XXXX amount due.
After this day, XXXX XXXX made several separate attempts over the next two years to have Eagle loan status on her credit report updated to Paid in Full and/or removed from her credit reports. XXXX XXXX did provide to all three credit reporting agencies copies of the paystub, showing they mailed that withheld, as well as the copy of the total amount to be withheld. All three credit reporting agencies did contact Eagle loanXXXX. XXXX on several separate occasions between the dates of XX/XX/XXXX through XX/XX/XXXX. With XXXXXXXX XXXX request to have the information updated to Paid in Full and/or removed from her credit report or. While each time Eagle loan/attorney, XXXX responded to the credit bureau , that they did not want the debt removed from the report, they never updated it with any amount due. None of the 3 major Credit Reporting agencies ever reflected the alleged remaining balance due of {$390.00}.
The difference between the {$3000.00} ( 3 x 's the value of the original loan ) that was awarded to them by the court and the {$2600.00} that the court lists that they actually distributed to them.
At one point during this two-year period, XXXX XXXX even filed a complaint with the XXXX XXXX XXXX about Eagle loans account still showing on her credit reports. The XXXX XXXX XXXX whom also contacted Eagle Loan but never advised XXXX XXXX of any Balance.
At no time between XX/XX/XXXX and XX/XX/XXXX did Eagle loan, XXXX XXXX or the XXXX Municipal Court make any attempt to contact XXXX XXXXXXXX about this amount. Nor did they attempt to collect it through any payroll deductions. Eagle LoanXXXX XXXX did have XXXX XXXXXXXX XXXX contact information as it is listed on the credit report disputes that XXXX XXXXXXXX repeatedly kept Initiating. Thereby, proving that XXXX XXXX had NO knowledge of any remaining balance.
Quiet unethically Attorney XXXX Sat on the {$390.00} bal allowing the 25 % interest rate to grow over the more than 2 yrs time frame.
XX/XX/XXXX with rent due on this pay date XXXX XXXXXXXX checked here banking app for her employer paid direct deposit, only to find the deposit was short {$330.00}.
XXXX XXXX contacted her employer who informed her that the missing {$330.00} was sent to the XXXX Municipal Court for a {$3000.00} garnishment that was due to Eagle loan. XXXX XXXX explained that this debt had been satisfied back in XX/XX/XXXX and that she did not owe Eagle Loan any monies.
XXXX XXXXXXXX then went on the XXXX Municipal Court website to research the matter, and when she looked up the old case she found. The above dates and sums along with the below information.
XX/XX/XXXX attorney XXXX filed for a garnishment against XXXX XXXX through the XXXX Municipal Court. XXXX XXXX was never notified of this filing by the court nor by attorney XXXX, nor by her employer over this court date, filing, order or ect.
XX/XX/XXXX the order of garnishment was sent to XXXX XXXX 's employer XXXX in XXXX, Ohio.
XX/XX/XXXX the order of garnishment was delivered to XXXX and XXXX Ohio.
Only after speaking to her employer on XX/XX/XXXX did XXXX XXXX find out about the court order and was then and only then sent a copy from her employer of the documentation that they had received from the XXXX Municipal Court.
XX/XX/XXXX after much research on the XXXX Municipal Court website finding the listing of the payments that the court received and distributed as well as the receipt numbers that went along with them and after doing her own calculations of what was received and distributed did XXXX XXXX find that the XXXX Municipal Court had only distributed to attorney XXXX {$2600.00} and not the total withholdings from her paycheck of {$3400.00}.
After speaking with a clerk at the XXXX Municipal CourXXXX, XXXX XXXX was advised that the new court order was for XXXX XXXX to pay {$1900.00} in interest on the {$390.00} bal. Plus the court ordered an additional 25 % interest rate to be added to and continue to accumulate on top of the {$1900.00}. The clerk also advised XXXX XXXX that on top of this she would owe Court costs, Attorney fees, fines & penalties that would also be deducted from her paycheck. At the sum of 25 % of her total pay to be taken out of each paycheck until the debt and all associated fees, fines, penalties and etc., along with the continuing 25 % interest rate that continues to raise the balance due on a daily basis.
As of todays date, XX/XX/XXXX XXXX XXXX has already paid to the order of Eagle loan company/XXXX XXXXXXXX three times the amount of the original debt. With this new court, filing the current balance that they are demanding, not accounting for the continuing accruing, 25 % interest is two times the original amount of the debt. As it currently stands, if this new order is allowed to stand, XXXX XXXX will be paying well over {$6000.00} in total or more for a loan debt that was originally under {$1000.00}.
XXXX XXXX while having full ability to contact XXXX XXXX or any of her employers over the past two years. Instead, let this amount grow into yet another payday for himself and Eagle Loan out of what shouldve been an already satisfied debt.
This behavior is blatant, obvious predatory, lending and reasonably, should be considered unethical, and at the very least borderline illegal as this would be an est 600 % interest on the original debt and continuing to climb.
As of todays date, the XXXX Municipal Court is currently in possession of {$330.00} recieved from garnishment of XXXX XXXX pay on XX/XX/XXXX, to be distributed to XXXX XXXX. If the remainder owed of the {$3000.00} was {$390.00} that would leave a {$57.00} owed on the original court order. Without intervention from an oversee authority the next garnishment payment will be taken from XXXX XXXX 's pay roll on XX/XX/XXXX at the sum of 25 % of her total pay.
This Garnishment has caused an immediate hardship and emergency situation for XXXX XXXX whom is the head of household and her income from XXXX is her Only financial support. XXXX XXXX does not receive any form of financial assistance and goes without any medical coverage due to the high premiums. XXXX XXXX lives paycheck to paycheck barely able to make ends meet with her full pay check.
Due to this Garnishment XXXX XXXX was unable to make her rent payment and is only weeks from losing her home. If this garnishment continues to stand XXXX XXXXXXXX will undoubtedly be rendered homeless. XXXX XXXX has no family or friends that she can live with or gain any financial assistance during this excessive garnishment.
XXXX : XXXX XXXXXXXX respectfully requests that the order of garnishment be immediately abolished and that No further deductions be made from her payroll. Furthermore, XXXX XXXX respectfully requests that any additional funds that are received by XXXX Municipal Court, XXXX XXXX or Eagle Loan that exceed the {$390.00} alledged remaining XXXX be immadatly returned to XXXX XXXX. In addition XXXX XXXX requests that the XXXX Munipal Court, Attorney XXXX XXXX update their records to indecate this debt as fully satisfied and paid in full. Attorney XXXXEagle Loan should immediately provide to all three major credit reporting agencies along with XXXX XXXX and her representative Attorney XXXX XXXX written/digital documentation of the satisfaction of this debt.
Any help with this matter is greatly appreciated.
Please be advised I am represented by Attorney XXXX XXXX XXXX and you may feel free to speak with him.
Sincerely, XXXX XXXX
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| 10/29/2021 |
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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Dear Sir or Madam, 1. XXXX Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 days late in XX/XX/XXXX and XX/XX/XXXX as well as 90 days late in XX/XX/XXXX and XX/XX/XXXX.
I immediately disputed this information with EAGLELOAN and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 05/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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I am in the process of getting my credit reports back up and in correct reporting operation because I am trying to do better with my credit. Not to mention at XXXX years old I now want to own property. anyways ; I was a victim of identify and with all of that being said I am now under credit monitoring with all 3 credit bureaus. I look at the reports to find out that this furniture co. called XXXX XXXX has my acct. still posted as charged off and refuse to submit updated info that I have been now paying on the same acct. that XXXX reported charged off. I think that is totally unfair to keep me penalized for something that I am now trying to make good on. furthermore ... I think its is only fair the XXXX now submit updates info that I have renegotiated another deal with their company to get the debt that had charged off to now status of going towards being paid off and has being paying as agree. XXXX refuse to do update reporting whereas as I am as a paying citizen am entitled as earning credit status towards paying off. XXXX XXXX can care less that this method they are doing to me is indeed hurting me.
I am now mad about this and want to now return their furniture and leave the acct. just charge off. I have been paying this company now again for almost close to a year and they refuse to give me a decent credit score an report that I am now re- established credit or at least open me a new acct # whereas they can now report my credit status with their company whereas it shows that I am now in the process of paying this old acct. they have listed as charged off acct. with change status as being up to date and is currently making payments. I feel I am being do wrong and that XXXX is breaking laws by holding me back with their XXXX!
email I sent to XXXX Customer service rep. Her name is XXXX XXXX XXXX XXXX XXXX Sun, XX/XX/XXXX, XXXX XXXX ( 21 hours ago ) to XXXX Hi XXXX.. XXXX XXXX.
I wanted to contact you in reference to my credit rating with XXXX furniture?
apparently XXXX furniture has me charged off on the credit bureau reports and Im very upset by that because Im paying you guys money and have been paying you money for almost over a year somewhere close to a year of not over a year? Bill should be somewhat close to being almost paid off I mean seriously?
Im really disappointed at the fact that nobody has reported and told the truth not updated my information with all credit bureaus ... However ; being that all three credit bureaus contacted me and I saw no currently updates Ive decided to file a disputed issue about XXXX not updating that they are receiving current payments. This is unfair.
so XXXX XXXX will be getting notified about a dispute because nothing has been updated and I dont think I deserve this at all. You all need to go ahead on and update my credit reports I did re- establishment credit and did get things started back off with you guys again plus I renegotiated a payment I can afford to pay off my bill. With that being said, that stuff needs to be updated thus fairly documented. I can not believe this! I am so hurt over that I have worked so hard to try to bounce back with your company. The credit report rating is very unfair and very untrue Im hoping you can get in touch with the necessary party to fix that and have them update my information?
look at this attachment that I am sending you thank you so much have a good week.
XXXX email Response XXXX XXXX XXXX XXXX ( 10 hours ago ) to me XXXX, Thank you for contacting us.
The account that we have in our office was charged off XX/XX/XXXX for non-payment. Yes you have made payment arrangements to settle the account, but once an account is charged off, it will only be reported in one of two ways, charged off or paid in full.
We still show a balance of {$900.00} with the last payment having been made on XX/XX/XXXX. So in short, your account is reporting correctly as there is an unpaid balance on a charged off account.
If you have indeed submitted a dispute, we will handle that through the appropriate channels.If you do have any additional questions, feel free to contact our office.
Sincerely, XXXX XXXX Recovery Specialist Eagle Financial Services Inc.
XXXX XXXX XXXX, XXXX XXXX XXXX, KY XXXX XXXX.XXXX.XXXX office XXXX.XXXX.XXXX fax XXXX XXXX
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| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a 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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Cfpb Unauthorized Inquiries letter XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Attn : Consumer Complaint Division Subject : Formal Complaint against XXXX for XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX, the XXXX major credit reporting agencies, regarding unauthorized credit inquiries listed on my credit reports. These inquiries were conducted without a permissible purpose, thus violating the Fair Credit Reporting Act ( FCRA ) and adversely affecting my creditworthiness.
The unauthorized credit inquiries in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX.
XXXX, XXXX XXXX XXXX Inquiry 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken the necessary steps to address this issue directly with the credit reporting agencies by sending a pre-litigation dispute letter, which is attached for your reference. However, as my concerns remain unresolved, I am turning to the Consumer Financial Protection Bureau for assistance and intervention in rectifying this matter.
As you are aware, the FCRA, under section 604 ( a ) ( 3 ) ( C ), mandates that a permissible purpose is required for a credit inquiry to appear on a consumer 's credit report. Permissible purposes include, but are not limited to, credit transactions initiated by the consumer, employment purposes, and with written consent of the consumer. I can affirmatively state that I did not initiate these inquiries, nor did I provide my written consent for any of them.
These unauthorized credit inquiries have had a detrimental impact on my credit score and creditworthiness, hindering my ability to secure credit, employment, and housing opportunities. I am left with no choice but to seek the assistance of the Consumer Financial Protection Bureau to ensure that my rights under the FCRA are upheld.
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Equifax, TransUnion, and Experian for their willful noncompliance with the FCRA. I ask for your assistance in ensuring that these unauthorized inquiries are promptly removed from my credit reports, as well as any other necessary actions to rectify this situation.
I am willing to provide any additional information or documentation that may aid in your investigation of this complaint. Please keep me informed of the progress and outcome of your investigation. Your intervention in this matter is crucial to protecting consumers ' rights and upholding the integrity of credit reporting agencies.
Thank you for your attention to this matter, and I look forward to a swift resolution.
Sincerely, XXXX XXXX XXXX
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| 10/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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I am writing to file a complaint about Eagle Loan Company located in XXXX XXXX, Ohio. I have a loan with this company with payments due on the XXXX of each month. Prior to my XX/XX/XXXX due date, I spoke with a representative at the local branch and requested that she not run the debit on the XXXX as the funds would not be there due to a financial emergency that my family has suffered. I was assured the debit would not be initiated and told her I would try and make the payment by the end of the month. I informed her that she was not to run my debit card and that I would call the payment in when I could. The funds were still not available on XX/XX/XXXX so I was unable to call and make the payment. Eagle did leave me two voicemail messages asking to return their call ; one voicemail stated that I could make an interest only payment which was still not possible for me at that time.
This past Saturday, XX/XX/XXXX, I logged onto my XXXX XXXX mobile account and noticed that Eagle Loan had initiated a debit in the amount of {$250.00} from said account. I did not authorize this payment. This morning, XX/XX/XXXX, I contacted XXXX XXXX, the branch manager. After attempting to educate him on Regulation E as it pertains to unauthorized transfers, I asked him why they debited my account without my authorization. His response was that I didnt return their calls. He even went so far as to read the notes from my original call stating that my debit card was not to be run until I called in to make the payment at a later date, basically admitting that I revoked the authorization. Now I am not a lawyer, but I have researched my rights on this topic and it appears to me that not returning a phone call is most certainly not a valid reason for violating ones consumer protection rights and breaking the law by debiting someones account once authorization was revoked. Not at any time did I authorize Eagle Loan to debit my account on XX/XX/XXXX for {$250.00}, yet they did it anyway. What is even more interesting is that this is not the first time they have done this. The same thing happened a year or so ago and I spoke with the same manager that time. I informed him that he had broken the law and he refunded the payment immediately. Yet fast forward to today, and he did it again blatantly knowing that he had no right to do so!
Was my payment late? Yes. However, that does NOT give anyone the right to take money from another party without any authorization whatsoever. Eagle Loan has several legal options that they can take. They can charge me a late fee. They can report me to the credit bureaus should I become 30 days late. They could attempt to collect the collateral that was used to approve the loan. They can send my account to collections or they could sue me. But what they CAN NOT do is take the liberty to go into my account and take whatever funds they want whenever they feel like it. This company should be reprimanded for these practices as I am certain that if they have done this to me twice, they most certainly do this to other consumers who are not as knowledgeable of their rights as I may be.
Should you need any further information, please contact me. Thank you.
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| 01/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I purchased my vehicle XXXX Cadillac Deville DHS from a Buy here Pay here car dealership on XXXX/XXXX/XXXX. The buy here pay here then sold my account with them to Eagle Finance. The loan terms and payment amount stayed the same. It was sold to them XX/XX/XXXX. Prior to being sold to Eagle Finance the car was constantly having engine mechanical problems. I was making payments plus paying for major repairs. XX/XX/XXXX the car engine failed causing again causing more money to be paid out to be fixed. the coils, spark plugs, coil module went out causing over {$1000.00} in repairs. the car also needed new struts, and shocks which was another {$800.00} repair. As of today XXXX/XXXX/XXXX the car is still broke down and not running. The fuel pump is out and the coils and spark plugs and cylinder XXXX, XXXX, and XXXX are out and the will not fire, if it does does start it runs rough and then stalls. I was put in a hardship by trying to make my car payments plus pay all these engine repairs. Eagle Finance did n't wan na hear about my hardship or problems. I told them to come get my vehicle and i would voluntarily give it back, they refused. I figured they could auction it off and sell it and i could pay the deficiency balance and again refused. On XX/XX/XXXX i get a letter from XXXX XXXX XXXX XXXX advising the amount due is {$4500.00} I was told by XXXX XXXX on XXXX/XXXX/XXXX that the balance is now {$4800.00}. The loan was defaulted and charged off by Eagle Finance. So I was told that {$300.00} was added additionally for court cost by XXXX XXXX XXXX, how can i be charged for court cost when this account has not been filed in any court. They are trying to add hidden fees and take advantage of the situation. Eagle Finance wont repossess the car because they know the value of the car is worth less then what is owed. The vehicle has XXXX miles on it and the XXXX value to a private owner is {$2500.00} as of XXXX/XXXX/XXXX. The office manager ( XXXX ) at Eagle Finance laughed and told me that there was n't anything the CFPB can do. if nothing is not rectified I will be filing a lawsuit against XXXX XXXX and XXXX XXXX XXXX for predatory lending, XXXX states have passed anti-predatory lending laws. XXXX, XXXX, XXXX, XXXX, XXXX, North XXXX, XXXX, XXXX, XXXX and XXXX are among those states considered to have the strongest laws. Other states with predatory lending laws include : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. These laws usually describe one or more classes of " high-cost '' or " covered '' loans, which are defined by the fees charged to the borrower at origination or the APR. While lenders are not prohibited from making " high-cost '' or " covered '' loans, a number of additional restrictions are placed on these loans, and the penalties for noncompliance can be substantial.
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| 05/05/2023 |
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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5 years ago I took out a high interest personal loan with Eagle Loans XXXX XXXX and shortly thereafter hit a financial crisis and couldnt pay so I contacted the office and spoke to the manager and explained everything to her, she was super nice I believe her name was XXXX and she stated that I dont need to worry about it as I had been a good customer before and she would write off the loan and not collect on it. I then decided to file XXXX XXXX but had to dismiss that when I couldnt afford my house anymore and was forced to sell it. I never heard anything from Eagle Loans again for 5 years consistent with what the manager told me until XX/XX/2023 when eagle loans contacted me and said they had located my loan and wanted me to pay immediately I explained everything to them and they just ignored what I said and said there was no record of that I asked then why would the loan sit there for 5 years with zero communication or collection attempts and that validates what I told you and they just ignored me. I offered to settle the loan for {$500.00} and they referred me to an attorney. I spoke to the attorneys collection manager and explained everything to her and she said that eagle loans claims there is not record of this and I asked then what did they wait 5 years to try to collect? And she didnt know. I then offered a {$1000.00} settlement in full in good faith even though I was given a verbal agreement 5 years ago that I would nott have to pay and the collection manager stated that she would speak to eagle loans and get back to me. Instead of ever getting back to me they just filed a civil suit asking for {$2100.00} plus 5 years of interest at 25 %. This company is ignoring what their authorized representative told me 5 years ago and acting in bad faith, an almost predatory manner with the statue of limitations up at end of this year. A company should keep their promises and negotiate in good faith
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| 11/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
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Web |
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Today XX/XX/2019 i got a call from some eagle financial company saying it was XXXX and that i had XXXX available for a personal loan all i had to do was pay a fee of {$94.00} dollars and after that they would deposit the XXXX dollars on my bank account .. At this point they have my account number and routing number bank name etc they just asked to confirm so i confirm after buying a prepaid card of {$94.00} on a XXXX card the guy on the line asked for the code on back of the card i gave him the code then he asked for me to send picture of the card purchased and picture of the reciept along with it so i did send via text message the pictures as told after a while he said the money coulndt be deposited to my account because of my credit score he then asked for another card with money so i went bought a new card this time He asked for it to be a XXXX card of {$100.00} i purchased the card he said i needed 2 more XXXX cards with a total amount of {$150.00} ( {$100.00} in one card, {$50.00} on the second card ) he said that they was gon na send the money via XXXX but i had to pay the {$150.00} fee for XXXX dollars and after that he would give me the information so i could claim the money in XXXX so i did as told he never deposit any money to my account nor XXXX XXXX he hang up after letting him know i didnt have more money i tried calling back never answered it went straight to voicemail .. After a while he called back asking if i had the XXXX dollars to finished the process of the loan i asked for my money back and XXXX said it took 7-15 days at this point i have nothing left the money i used to buy the XXXX cards was money earned to pay XXXX rent now im left with nothing.
|
| 07/21/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I sent a letter to XXXX XXXX XXXXXXXX XXXX XXXX acct #XXXX on XX/XX/XXXX certified mail XX/XX/XXXX in regard to information I was disputing on my credit report.in which I have a charge off settled for less than amount with a charge off amount in the of $XXXX with delinquencies of 30 days late ,XX/XX/XXXX, 60 days,XX/XX/XXXX,XX/XX/XXXX,CO from XX/XX/XXXX through XX/XX/XXXX. Date acct closed XX/XX/XXXX and that I disputed are inaccurate .XXXX XXXX XXXX XXXX XXXX did respond back with information provided but no canceled checks ,no payment to show payment history. On XX/XX/XXXX I replied back with another letter to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXcertified mail XX/XX/XXXX informing them that XXXX XXXX XXXXXXXX XXXX XXXX has violated the law/ federal law per the requirement that they are to provide the credit bureau with the disclosure within the period required by law.You are required by law to place a "notice of dispute" when you signed on XX/XX/XXXX within the 30 days required XXXX XXXX XXXXXXXX XXXX XXXX is in Violation. The Fair Credit Reporting Act Section 623(a)(3) for not placing Notice of dispute within the timeframe and evidence via certified mail you must now remove the item. They have since place a "notice of dispute " on credit report. And why are they still reporting on a closed account monthly.
XXXX XXXX XXXX XXXX XXXX is in violation for not providing a "notice of dispute" they must follow the law and remove of credit report.
The Fair Credit reporting Act Section 623(a)(3) responsibilities furnishers of information to consumer reporting agencies[15U.S.C.1681 s-2](a)(3) Duty to provide notice.
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| 09/25/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Incorrect information on your report
- Account information incorrect
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Web |
Older American |
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In XX/XX/XXXX, I went to XXXX and needed {$700.00} to fix my car. I did not have the funds to fix my car and the repair person gave me a referral to XXXX XXXX. I called the phone number. I do not remember the person explaining that they were going to pull my credit report. but it was pulled. They wanted to give me a car title loan. I knew that I did not want a lien on my vehicle.
I use XXXX XXXX and saw the hard inquiry on my credit report. I have been working with a local, non profit credit counselor and we discussed this hard inquiry.
Later in XXXX, another hard inquiry from XXXX XXXX from XX/XX/XXXX. I definitely did not call or talk to them about this inquiry. In speaking with XXXX, the Branch Manager, at Eagle, he says that I called him. I did not.
I was upset enough about the first hard inquiry in XX/XX/XXXX, I definitely did not contact them again in XX/XX/XXXX. XXXX also stated that the reason I called for the loan was due to BILLS. I do not need money for bills.
I asked XXXX if he could go back and listen to the recording of these phone conversation and they do not have recordings of their conversations.
Yes, I got phone calls and yes, I got letters. I did not contact them again once I found out that they wanted to put a lien on my old XXXX XXXX XXXX.
I have disputed both hard inquiries through XXXX and XXXX. XXXX took them off. XXXX states that they stand due to XXXX XXXX stating that I am the one that initiated these loans. I called the Branch Manager to see if he could assist me and he insists that I called in for the loan in XX/XX/XXXX. I know that I did not.
|
| 02/20/2018 |
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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XXXX XXXX XXXX. XX/XX/2016 {$2400.00} to present..
I was charged a 39 % interest rate when my credit score did not constitute such a high rate. The rate was raised by insurance that was packed into the loan that was unnecessary and useless. The XXXX insurance is useless because I'm already XXXX. The insurance to cover the collateral was unnecessary because I have renters insurance. I believe I was taken advantage of because of my deminished capacity to understand the paper work that I was rushed to sign. Because of my XXXX XXXX.. XXXX XXXX XXXX XXXX..XXXX. I am required to take heavy medications including XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX XXXX ). And XXXX ( XXXX ) .. These medicines make it impossible to think clearly as quickly as I was moved through the loan process.. Checks to the insurance companies had already been cut before I started filling out paperwork and were the first things for me to sign.. I was given the impression that it was Required to receive the loans since the checks had already been made out. I also believe I was charged a predatory interest rate because of my XXXX XXXX XXXX XXXX.. my credit score at the time was not bad enough to require a 39 % rate when I was later approved by another company at 29 % .. I believe XXXX XXXX intentionally violated the E.O.Debt Act of 1989.. I have since learned! from legal aid services that XXXX XXXX is on Indianas predatory lenders list.
|
| 08/12/2021 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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I owe ca {$3800.00} to Eagle Loan Company for a loan I used to pay for my car. Eagle Loan 's local offices are located at XXXX XXXX XXXX, XXXX, OH XXXX ( phone number XXXX XXXX ). I have enrolled in a debt relief program with XXXX XXXX XXXX XXXX XXXX, and they have been informed of this. When I told the loan officer this, whose name is XXXX, he yelled at me to " listen to me, we don't work with debt relief companies '' and I hung up the phone on him. ( I am separated from my family, struggling to handle all of my many debts since then, I am in both XXXX and XXXX counseling and I don't need to be yelled at by anybody right now. ) I then blocked their number. Apparently this annoyed them enough so that they called my family home 's neighbor, XXXX XXXX, in order to get him to contact me and have me call them. This occurred today, apparently ( Thursday XX/XX/XXXX ) and I get a text message from XXXX at XXXXXXXX XXXX about it. I want them to stop harassing anyone about my debts, or telling anyone about them, and wait for XXXX XXXX XXXX to work out an arrangement with them for me to pay off the debt. I fully intend to pay the debt through negotiation, and am making regular {$290.00} payments to them with each paycheck in order to work out all of my debts - I am just asking for their patience and courtesy.
|
| 12/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
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|
Web |
Older American |
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I am on fixed income, and not able to work. I have all bills to pay out of my Social Security, and retirement. I contacted XXXX XXXX XXXX, and I turned XXXX XXXX XXXX in, and all my credit cards and two loan companies. I talked with the Eagle Finance and told them what I was doing, so in the month of XXXX they stopped the payment. The manager then called me and told me they did not deal with XXXX XXXX XXXX. I called my bank and begged them to stop the payment. The Eagle Finance in XXXX, Kentucky took XXXX 's payment out this month and now is taking out XXXX 's. My rent check will come back on me now that this has happened. I bank With XXXX XXXX XXXX XXXX XXXX XXXX, and they will not help me with this situation. They will not stop the pending payment that the finance company it taking out for the second time this month. This is really causing me some financial problems. I have a very sick daughter that I am responsible for, and she can not get XXXX. I called the finance company this morning ask them to stop the payment and they refuse. They said the manager would call me back when he came in at XXXX XXXX. He never called them, so the XXXX XXXX XXXX told me to contact FTC, and FTC sent me to you guys. My phone number is XXXX.
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| 09/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
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|
Web |
Servicemember |
|
Upon receiving the response from eagle loan I hereby want to start a lawsuit against the things that eagle loan company has wronged me on. Number one issue is they call me every single day of the week u days a week amd lied about it. Number two my signature was not the signature used to sign the check and I was not the one who cashed it out, I reported it as stolen to the police and they were not able to do much about it other than stated I should try to get eagle loan to completely forget the debt. Again I repeat I will not pay any more money for a loan I did not sign for or cash out! If the loan isn't forgiveness due to these factors I will have no choice but to file a lawsuit for the unjust actions of the members including branch Manager for purposely still making me pay off this loan I will to every event I have continue to disagree with the fact that i should not be held liable since my signature was forged as well as the check being cashed by someone who pretenses to me. Another thing that I wish to state is that when they do Call they tell me they have threatened time and time again with various actions.
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| 04/12/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
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|
The Manager of this company, Eagle Loan Co in XXXX, Ohio, came to my home and knocked on my door asking for me. I did not know who he was, I have never seen him before, he was dressed up in a suit with papers. He really scared me as I did not know who he was and I told him he had the wrong XXXX XXXX A few hours later one of the office workers contacted me about past due amount, i gave her permission to use a different bank card of mine, one time only, to make a {$71.00} and that was it. I asked her if they send people out to borrower 's homes and she said that sometimes the manager of that location will go out to homes if they can't reach someone by phone. After that they continued to deduct money off of that card after they were told only the one time.
XX/XX/2023 {$71.00} is the date & amount given permission only ; XX/XX/2023 {$140.00} was taken out, no permission given ; XX/XX/2023 {$30.00} taken out, no permission given ; and XX/XX/2023 {$70.00} taken out, no permission given.
I have already filed a debit card dispute with XXXX XXXX & have a Case # as well.
|
| 07/11/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
To whom it may concern, I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation.
Here 's the wrong info : 1. This is a billing error always paid as agreed on time this is an error this account in violation.
EAGLELOAN Account XXXX : XXXX Please remove it from my credit report.
I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here.
Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported.
I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.
|
| 02/21/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
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I was charged a interest rate of 39 % .. I do not believe my credit constituted such a high credit score.. I was sold XXXX insurance when I was already XXXX. The checks to the insurance companies were signed before the loan documents. I was not told it was voluntary because the checks had already been cut to the insurance companies and I was not even asked if I wanted yet.. I was told I had to give my consent to withdrawal payments from my account and later found out it is illegal to make that a condition of the loan. I believe XXXX XXXX violated the EOCA of XX/XX/1989 by charging me a int rest rate that was discriminatory. I am on XXXX for XXXX XXXX and I take m di cations to XXXX me. Including XXXX and XXXX medication. I could not keep up with the salesman who was rushing through the paper work.. So I'm not sure what I was signing.. I believe I was taken advantage of by XXXX XXXX Because of my deminished capacity to understand the seriousness of what I was tricked into signing..
|
| 01/25/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I was taken to court by eagle loan I have a court agreed payment.i have been paying on this until XXXX XXXX which is the attorney for eagle decided to refuse payment and saying I breeched the contract.this loan was for my husband and I and without warning they have refused payment and sent out a garnishment to my husband 's wages.i tried to speak to XXXX XXXX today but they don't care and stated a breech had occurred and I didn't send there 15 day notice back to them.i have never seen anything in my contact from the court about this.XXXX XXXX refuses to send me statements I have requested and the balance has gone from XXXX to XXXX I have been paying on bthis since last year and the balance keeps riseing.with the upcoming wage garnishment we can no longer afford the basic nessary things and have no choice but to claim bankruptcy and when I asked XXXX XXXX to please stop and let me continue paying they refused.
|
| 08/23/2023 |
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 |
|
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Eagle Loan Company of XXXX XXXX contacted me through a Lawyer, stating that I owe a debt from XXXX. I was sentenced to XXXX in XXXX XXXX XXXX and was XXXX from XXXX, but never received anything regarding this outstanding fee. I received a letter from XXXX XXXX XXXX in the XXXX of XXXX, stating they are pressing charges against me and seeking a garnishment to satisfy this outstanding fee. I went to court, XXXX XXXX XXXX, and was approached by an Eagle Financial representative, to settle before seeing the judge. When the Rep called the office to report our agreement, they were unable to find my case. After going in front of the court with the agreement, I made a successful payment of {$300.00} for the month of XXXX. On XX/XX/XXXX, I was hurt at work and currently fighting for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been off of work and not paid since XX/XX/XXXX and cant afford this settlement.
|
| 03/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
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In XX/XX/XXXX I became unable to make my monthly payments of {$210.00} as per the loan agreement. I was contacted by the company by mail numerous times with options to make the account current. I offered to settle the account for a lesser amount but they have refused. I have asked for a lower interest rate and smaller payment and they have refused. on XX/XX/XXXX, they filed a civil suit in XXXX County, Ohio small claims court. They told me that the account would have to be charged off for at least a year before considering a settlement of less then owed. The account went 4 months past due and civil suit filed. This is contradicting as to if they sue you after 4 months, then how can you be charged off a year before considering a settlement amount. These loans carry a high interest rate as where you are set up for failure to repay. Why bother sending me letters if they wont agree to nothing.
|
| 10/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
I have had many problems with this company claiming I applied for a loan with them and claiming is igned paperwork for a loan and claiming I signed and cashed a check issued by them. They also took extreme measures and hired a lawyer to seize my garnish my paychecks even tho i submitted overwhelming evidence that I never and I repeat I never signed a check with my name and or cashed it out at XXXX XXXXXXXX XXXX. I state this bank because the lawyer states my check was supposedly cashed there. And it certainly was not cashed or signed by me. It is illegal to garnish wages on a loan that has fraud on it and if it continues I'll go more than just this route and counter sue you for defamation of character as well as unlawful wage garnishment and unlawful business pratices.
|
| 09/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
A month or so ago this firm has decided to garnish wages for an amount over 3 times what the original balance of the alleged debt was. The amount I owe their client on this charged off this alleged debt is {$1000.00}. They are garnishing my check for over {$3600.00} Im am being taken advantage of and exploited. They are extremely rude to deal with. Wont return calls and are making my life XXXX. This is from a debt that is over 6 years old. I had a payment arrangement with the client I paid over {$160.00} already on this alleged debt. I still believe this amount is incorrect because the alleged debt was paid on before. I lost my job due to THE PANDEMIC. I am just now getting back on my feet and this company continues to inflict harm.
|
| 09/11/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Around XXXX of this year they sent a sheriff to my home they don't communicate well. I entered into a payment arrangement in XXXX to prevent a wage garnishment. I lost my job and my brother around the same time. They are extremely predatory. They offered a settlement amount of {$1100.00} in XXXX and told me any payments I made would go towards that amount. They are now telling me in order to settle I need to pay XXXX they have began garnishing my check for a total amount of {$3600.00} I only borrowed around a XXXX from them and actually paid that loan down. They are taking advantage of me. This loan was taken in 2014 and they have already charged it off. I'm trying to make this right but they are taking advantage of me.
|
| 05/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a notice that a loan was taken out at Eagle Loan company on XX/XX/2018 in my name in XXXX, Ohio. The Place is listed as Eagle Loan Company XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX.
The problem is I have never heard of this place or been to any of their locations.
The signature is not mine. I have not received any notice that a loan for $ XXXX was taken out in my name at any time.
MY parents have taught me to NEVER go to these places as they are rip off loans.
If I need money, I can always borrow off my parents. My parents are most helpful.
This is the 2nd case that my name has been used that I am recently aware of. this appears to be a case of Identity theft. The first case was dismissed.
|
| 07/01/2018 |
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 |
|
|
Eagle finance company closed and sold my account over to XXXXXXXX XXXX XXXX in XXXX Ive been making monthly payments to XXXX XXXX XXXX since XX/XX/XXXX. And Eagle Finance has been reporting late payments to my credit report 90 days late every month since XX/XX/XXXX. Every time i called to discuss this matter they tell me to contact XXXXXXXX XXXX XXXX about it. But every time i try to discuss this matter with XXXX XXXX XXXX they tell me To contact Eagle. They have been giving me the run around about reporting these payments 90 days late for 6 months now.
If Eagle Finance no longer owns my debt, the late payments being reported from them need to be stopped amd removed
|
| 03/14/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Eagle Loan Company filed a judgement against me because of an old loan XX/XX/XXXX in the amount of XXXX, which was reported against my credit bureaus. Eagle loan company filed another judgement in XXXX XXXX court in the amount of XXXX for the same loan that was taken out XX/XX/XXXX ; they have just filed another judgement for the same loan in XX/XX/XXXX in which i received notice in the mail regarding the judgement for the same loan. I have not received any other attempts to collect this debt. I think that it is unfair that XXXX judgements for the same loan was filed against me in court without any attempt to validate, settle or take care of the debt.
|
| 01/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I took out a title loan with Eagle Financial in XXXX and I was supposed to be done paying it back XXXX XXXX well I fell on hard times, lost my job and got behind but I did good because I didn't fall behind until my last months of payments. However, I only had 3 payments left but the company is reporting that I owe more and that is not accurate and at this point I need my title back and an accurate credit reporting. I have disputed this with the credit bureaus 3 times now as of the last 3 months and Eagle just responds verified which does not show proof of anything. Now I am reaching out to you to see where this can go before taking other action.
|
| 10/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I already paid the debt in question. They sued me in a county I do not live in and did not sign the contract in. They never served me at any point, but said they did. My first notification of the dispute was through a postcard from XXXX XXXX courthouse saying I had a default judgement I was never given the opportunity to dispute and never served on. I absolutely want a chance to say I borrowed from Eagle Finance and paid them back in FULL in 2022. I do not agree with the judgement and believe I was not notified and it was sent to a court with out jurisdiction because they KNEW they debt in question was not correct.
|
| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX at eagle loan of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX refused to reverse 30 day late when they were closed Friday at XXXX Saturday and Sunday and Monday was 30 days. this is there predatory way of lowering my score to so that i can not obtain low interest financing to pay them off then they offer me more funds and origination fees. Now i call to make payment they conveniently answer and mark me 30 days late and refuse to fix it so I must stick with subprime interest, this is predatory and also threatening to call my employer, they are a modern day loan shark
|
| 06/19/2021 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
Back in XX/XX/2015 I opened an Eagle Loan of Ohio account, I fell behind and missed the XX/XX/2015 payment. The loan went directly into a charge off. I did pay Eagle loan and settle the account, I pay my bills, but after reading the Metro 2 guide lines, this payment history is factually inaccurate reporting. This falsely reporting account is harming my credit and ability to obtain new credit. I have disputed this account several times, each time it is not changed, even though Eagle never responds to my direct validation requests?
|
| 11/21/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
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|
I was never late with this company. I had to file a chapter XXXX and offered to pay them in full and NOT include them in the bankruptcy. First they said I could do that, then they said I could n't. SO, I included them in the bankruptcy and since they are a secured creditor they are getting paid in full. In XXXX 2015, 1 month after my Chapter XXXX was filled, they reported to my credit file that the account was charged off and have been reported it charged off every month since then.
|
| 01/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
In XXXX I received a notice that a case had been filed against me by Eagle Loan and they were represented by XXXX XXXX XXXX Firm in XXXX, XXXX I had not one time ever received any notices/calls from Eagle about this issue. When I received this notification I reached out to the law firm to see what I could do. I have been waiting to get a response and nothing... I have attached all the emails where no one will assist me with this.
Case number 2021 CVF XXXX XXXX XXXX XXXX XXXX
|
| 09/13/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
I get a phone call from eagle loan company once per day which a direct violation of my privacy and rights. Furthermore when I call them back they threaten me with purposely reporting incorrect and false information to the credit bureau. Which is a fraud on their part and they are purposely trying to hurt my credit. Also when I opened this loan my check was stolen from me amd this was reported to the police and they still expect me to pay it off. This is very unfair.
|
| 07/09/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I worked there for over 5 years. They made us put the insurances on every loan we booked. It made me feel uncomfortable and I felt we were deceiving the customers by not going over this before they came in. If the customers paid attention and complained we would remove them and rebook the loan. That isn't the point. They already charge 25 % interest. Don't they make enough off of that?? That is all I ever heard was how much money they made off the " extras. ''
|
| 09/15/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
The manager of Eagle Loan Compnay visited my home and left a postcard ( business card ) in the door about contacting his office. This upset me and my husband tremendously and was extremely embarrassing. I asked to be contacted on my cell phone only. I thought it to be completely harrassment to vist my home, all I receive are calls, they have never sent me a letter, stating the balance. But the manager made a house call to my home.
|
| 09/27/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
I received a letter in the mail today ( XX/XX/XXXX ) regarding a credit denial for a loan that I did not apply for. I called and spoke with XXXX XXXX and she stated I applied for a loan online on XX/XX/XXXX and it was incomplete. They made their credit decision based on an incomplete application. They marked the denial reason as delinquent accounts on my credit profile.
|
| 06/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I am very disappointed in the way that this company handles their business. I had applied for a loan and was denied. however, I didn't wish to share my denial with everyone. Please see attached the letter that was sent to me by the company letting everyone know I applied for xx amount and was denied. This was a private matter and should have been kept confidential.
|
| 12/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This entity has not reported payments of two loans with it's entity to any credit bureau. It is believed that this entity violated the truth in lending act and several portions of the Fair Credit Reporting Act. This entity has been reported to the IRS XXXXXXXX XXXX XXXXXXXX for audit, recovery and recoupment of any and all remittances or monies owed to me as well.
|
| 02/25/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
American eagle finance in XXXX Indiana first and foremost charges to much interest plus the Manager came to my job XXXX this Co is out of hand I want them shut down I want a class action suit brought agents them They keep calling my job I 'm done please do something look on XXXX about them now they are sueing me plus finance charges.
|
| 11/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I orginally filed a complaint with XXXX XXXX XXXX that has been resolved and close but they have not comply with the resolution complaint number XXXX submitted on XX/XX/2018 resolution XX/XX/2018. XXXX XXXX XXXX failed to delete information off credit report as of XX/XX/2018 viewing recent credit report information still remain.
|
| 07/25/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I told then on XX/XX/19 at XXXX XXXX when they called from a restricted number to not call me at work. TodayXX/XX/19 I arrived to work from a doctors appointment and my coworker tells me someone called his phone asking for my extension so he forwarded them to my phone to where they left a voicemail at XXXX XXXX.
|
| 10/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Eagle loan is charging me fees I didn't realize. They are also calling the loan secured but I didn't give them collateral.
I have made 5 payments of {$190.00} which totals {$970.00}. I only borrowed {$1400.00} and they told me to pay it off would cost {$1200.00}. Is that legal in the state of Ohio?
|
| 05/18/2023 |
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 |
|
|
Eagle Loan Company is showing the SAME LOAN TWICE on the credit report. Account was paid and closed. This account is 7 years and 5 months old and refuse to remove it off my credit report. And the other one is showing 6 years and 5 months. Their reporting information is inaccurate and illegal
|
| 09/14/2021 |
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 |
|
|
Have used eagle finance before but been years ago. Just recently became aware, my credit has two hard inquiries on it from them. One from a year ago and one from now. I have not authorized either of these.
|
| 06/01/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
the person I talked to maked threats to take my things. also maked threats to have me lose my job an also have me on the streets. he came to my job an to my home.
|
| 06/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
They are trying to charge me more than what my realtor printed out and show me how much they closed and sold my account now trying to charge me and hit my job
|
| 03/18/2021 |
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.
|
| 07/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I filed bankruptcy in 2018 and this creditor was paid off. There is something still showing up on my credit report as past due and late payments.
|
| 05/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I do not recognize the credit agencies thats on my credit report I did not give permission for my information to be used wrongfully.
|
| 08/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
got a XXXX dollar loan 13 yrs ago and they just now came after me how do I XXXX them over
|
| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
this information is not mines!! my identity was stolen.
|
| 02/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
Deformation of my character
|
| 08/23/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 07/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/29/2023 |
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 |
|
|
|
| 04/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/25/2023 |
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 |
|
|
|
| 03/24/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
|
|
|
| 03/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 03/03/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 04/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 11/21/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 09/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/22/2021 |
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 |
|
|
|
| 04/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 04/09/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 03/09/2021 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/02/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 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 |
|
|
|
| 08/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/22/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
|
| 05/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Fax |
Servicemember |
|
|
| 11/07/2018 |
Yes |
- Vehicle loan or lease
- Title loan
|
- Problem with credit report or credit score
|
|
Phone |
Servicemember |
|
|
| 09/25/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
|
| 08/28/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 07/18/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Fax |
Servicemember |
|
|
| 06/27/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/24/2018 |
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 |
|
|
|
| 06/18/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Referral |
Servicemember |
|
|
| 06/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 05/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/17/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Fax |
|
|
|
| 04/19/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Fax |
Servicemember |
|
|
| 03/29/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Fax |
Servicemember |
|
|
| 03/15/2018 |
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
|
|
Web |
|
|
|
| 11/09/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Struggling to pay your loan
|
|
Fax |
|
|
|
| 11/07/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Fax |
Servicemember |
|
|
| 08/16/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Fax |
|
|
|
| 07/28/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Fax |
Servicemember |
|
|
| 05/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me instead of my attorney
|
|
Web |
Servicemember |
|
|
| 02/12/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 07/28/2015 |
Yes |
|
|
|
Phone |
|
|
|