Farrell Holdings, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/07/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NV 89147	Web
PAC Financial was the company I had to work with when I found a XXXX XXXX XXXX at XXXX XXXX. On XXXX I signed a contract to finance {$8900.00} with my payments being XXXX for 56 months. I honored this contract every month paying the monthly installments. Recently I decided it was time to upgrade, so I found a XXXX XXXX XXXX that I liked at XXXX XXXX. First thing in the morning on XXXX XXXX test drove the car and told the salesman I wanted to take it home. He began to work on getting a purchase agreement for my XXXX XXXX as a trade in. When the sales man called to get a payoff on the XXXX XXXX from PAC he mentioned how rude and difficult the representative was. He said they did not want to give the number to him and was more concerned with when they would be receiving their check. I wasn't surprised because the one attempt O made to bet a payoff figure myself the representative did not give it to me. Tired of going back and forth I gave up and ended the call. After the salesman confirmed that they would be cutting a check within ten days, the rep finally gave him a payoff quote of {$7600.00} that was good for 10 days. When he told me that the payoff was {$7900.00} I immediately knew the number was too high. I let the salesman and financial director at XXXX know that I had an automatic payment already det up for today the XXXX and they advised me to stop payment on it because the payoff amount will clear out the account. I continued to move forward with the trade in process believing I could rectify the situation with PAC later. After an entire day of meeting all Buicks requirements, I left with my new XXXX XXXX XXXX. When I contacted XXXX XXXX to stop payment they told me that I couldn't stop the payment or anything until the payment had posted to the company and I needed to call back in a few days once it's posted to have XXXX XXXX reverse the payment after they investigate the transaction and reach out to PAC. I monitored my account and called back on the XXXX of XXXX and started the reverse payment process with the bank. I began to go through all my documents related to the XXXX XXXX XXXX. I reached out to PAC and requested my payment history. The representative was short and did not want to go into detail about anything and told me that she is not going to explain how the daily interest works or go over every payment I made. At that point I demanded a manager and was connected to " XXXX ''. He seemed to be attentive and willing assist me. I was able to get my payment history right then and he did explain the things I was asking about. I then compiled all my records and saw that PAC had been taking all their interest payments up front. At times entire payments were going to PAC and my principle balance was not getting any smaller. The print out that was provided by PAC was so vague that I had to create my own spread sheet to show many details not provided in PACS worksheet like how the payment was being divided up and what the daily interest rate was. One of the first things that concerned me was that the finance charge of {$8000.00} was almost entirely paid. I was told that the finance charge is the interest over the whole life of the contract. The contract was for 56 months and I had only barrowed the money for 24 months, so there was 32 months of unused interest that should be refunded back to me. In addition, after paying {$300.00} every month for a year, that my principle balance had only gone down by {$400.00}. I reached back out to PAC and " XXXX '' to see if a resolution could be made. He was not the same concerned individual. In fact, I wasn't able to get him on the phone at all. The representative told me that I was no longer a client and needed to request in writing if I had a complaint or dispute. I went to their web site and filed an electronic dispute and that by doing so I would be contacted with in 10 days. I also wrote up a formal dispute and certified mailed it to them with a guaranteed delivery date of the XXXX of XXXX. Even with both of these forms of disputes recorded and submitted NOONE has reached out to me at all. I recently received a " Notice of Default and Requirement of Strict Compliance '' that was dated XX/XX/XXXX stating that I failed to pay the monthly installment when it was due and that as of XXXX XXXX I owe {$260.00}. The amount that they are stating that is an unpaid monthly installment. However, I have never had a monthly installment in the amount of XXXX it has always been XXXX like my contract agreement provided. Also according to XXXX XXXX during their investigation they reach out to the company the payment was going to and inquire whether the payment was a legitimate charge and if the company says that they need their payment then XXXX XXXX will pay the bill. XXXX XXXX notified me that they were reversing the payment because PAC would not respond. If they would have responded to the bank and told them that the payment was needed to close the account they would have been paid. PAC Financial has been inconsistent with reporting to XXXX the whole time I was with them. They would rarely report and when they did the information they reported would be inaccurate. Now, within 20 days of attempting to payoff my account in good standing, they have reported to XXXX that I am delinquent, and it appears that I have two auto loans out and one is not in good standing. I have been working on my credit score for a couple years not and PAC has dropped my score by 35 points. PAC Financial does not have consistant or accurate accounting. For example when XXXX requested a payoff amount he was quoted {$7600.00}, the check was accually cut for {$7600.00} but looking at the payment history the balance owed as of XX/XX/XXXX was {$7700.00}. The numbers just don't add up. Please help me to understand and rectify the situation I find myself in with PAC Auto Finance XXXX. XXXX XXXX XXXX, Utah XXXX XXXX
12/30/2021	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 32839	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 .PAC AUTO FINANCE BAL . {$13000.00} 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
11/15/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75227	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. PAC AUTO FINANCE 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 XXXX, Iowa XXXX
11/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89148	Web
Pursuant to 15 U.S. Code 1666b ( a ) - Timing of payments & Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, XXXX, XXXX XXXX XXXX, PAC AUTO FINANCE, and XXXX XXXX. XXXX have violated federal law and dishonored their obligation to uphold the law. 15 U.S. Code 1666b ( a ) Time to make payments clarification ; ( a ) 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. 15 U.S. Code 1681b - Permissible purposes of consumer reports clarification ; ( 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. XXXX has violated federal law by reporting multiple " LATE PAYMENTS '' regarding multiple open consumer transactions, on my credit report. XXXX has reported the following " LATE PAYMENTS '' on my credit report : XXXX XXXX XXXX : Reported late date : XXXX -PAC AUTO FINANCE : Reported late date : XXXX XXXX. XXXX : Reported late date : XXXX In addition to reporting this information XXXX have also provided my credit report with this inaccurate information to furnishing companies, damaging my credit, potential opportunities and overall livelihood. Legal Remedy Granted : According to 15 U.S. Code ( a ) ( 1 ) ( A ) ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ( c ) Attorney 's fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorney 's fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. ( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt. Legal Remedy SOUGHT : I am seeking remedy from XXXX in the following : - {$1000.00} from XXXX for each of their violation of 15 US Code 1666b - {$1000.00} from XXXX for their violation of 1681 -Removal of all the XXXX reference accounts completely from my credit report. XXXX is in violation of Federal law. I intend to seek out of court remedy for damages caused by the violator according to federal law. In the event we are unable to come to an settlement offer I intend to seek remedy via court proceedings.
05/19/2015	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NV 89014	Web
I have been trying to pay my car note to this company and they charge an {$8.00} fee that they will not always tell you about. I have been paying on this car for over 2 years and have paid this ridiculous high fee every time I pay by phone or online except for XXXX time. The only way to avoid the fee is to mail it in and they wo n't tell you that unless you ask. I 'm having financial issues and I asked if they could waive the fee because I did n't have enough for it. I was told to call back Monday because only a supervisor could waive it and there was not XXXX in the office that day. So I call back Monday and the agent tells me that I have a credit on file and they could use that for the fee. I done see how I could have a credit when I still have a balance. XXXX of the agents told me that they do n't apply it to the balance unless I tell them too. I had no idea that was the case. And I 'm appalled that they would n't automatically put it towards the balance due. I talked to XXXX different agents and both lied to me stating that there is no way the fee could be waived. When I told them that I know that 's not true because it 's been done once before. They put me on hold for a supervisor. The XXXX time it took too long and I disconnected the line because I was at work. The XXXX agent I spoke with got a supervisor on the line. I spoke with collections supervisor XXXX. She was rude right off the back. She told me that there is no reason I should be talking to her because the fee ca n't be waived even before I was able to explain my situation. When I told her I know that is n't true she said " well, we get charged so why do we have to eat the {$8.00} fee for you?! '' When i asked her for her employee ID number or badge number she stated that she does n't have XXXX. She did n't even let me speak without talking over me or cutting me off until I asked her to let me talk. I then told her to notate my account that I will be mailing in my payment she said NO because I 'll be late and pass the 10 day grace period. My payment is due on the XXXX and I spoke with her on the XXXX. When I told her I 'll be filing a complaint her tone completely changed and said " well I 'm still not going to eat the fee for you ''. She told me that I had " a late fee or something " when I 've never been late. And how could I have a late fee if there is a credit on file and I 've never been late? she went back to " we can put the credit you have towards the rest of the balance and you pay the fee ''. I told her that I do n't have a credit because I have a balance. She then stated that it is applied to the balance, which completely contradicts what the agent who transferred me to her told me. Sthe payment due is {$280.00} and some change. I told her that my statement says different so I wanted to pay the amount on my statement which is {$290.00}. She told me that is not what my statement says. I had the statement in my hand when I was talking to her, and she stated " well, I do n't have your statement in front of me. '' I was completely shocked on how she handled my account, giving me false information and the when I corrected her or asked her questions on what she stated, she completely ignored it and went back the {$8.00} fee. I do not want someone like XXXX, the only XXXX there as she claimed to have any type of access to my account. She gave me false information and lied about me being late on my payments and not clarifying if a late fee was assessed on my account or not. there is no other way to avoid a fee unless I mail it in, and if mailed in, according to XXXX, I will assess a late fee. I do not have the luxury of having the money to mail in a payment and ensuring that the payment gets there on time. I try my best to pay my bills and Sometimes I have just enough for the bill due. I want to pay my bill on time but according to XXXX, in order to do that I have to pay {$8.00} or get a late fee.
02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	TX 76010	Web
XXXX Collector, please supply the following information in entire detail : >Why you think I owe the debt, and to whom I owe it, including : >The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. >If this debtstarted with a di! erent creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I potentially can know them, if that is di! erent from the o '' cial name. In addition, tell me when the XXXX creditor obtained the debt and who thepresent creditor obtained it from. >Provide veri $ cation and documentation ( retail instalment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide veri $ cation and documentation about why this is a debt that I am required to pay. The amount and age of the debt, speci $ cally : >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 chargesare 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 havebeen any other changes or adjustments since the last billing statement, please provide full veri $ cation 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. >Have you decided 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, andhow you determined that. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to con $ rm or catalog your claims. >I would like more information about your $ XXXX before I discuss the debt withyou. Does your $ rm 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 you are contacting me from a place outside my state, does your $ rm have a debt collection license from that place? If so, provide the date of the license, the name onthe license, the license number, and the name, address and telephone number of the state agency issuing the license.
04/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95820	Web
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that 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 offices 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 the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX } this action might 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 that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 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 my legal counsel for suit.
07/15/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77084	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX - I have never authorized or opened an account with this creditor and informed them that i am a victim of identity theft, I did not open this account and i do not owe this balance I have explained and reached out to this company and have not received a response. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have never authorized or done business with this company, i have requested in writing original documents 31 days ago with my signature and their name and i have yet to receive a response, this a violation of the law. XXXX XXXXXXXX XXXX XXXXXXXX, ( The Insurance has paid this company in full and I have requested that they remove this from my credit report because i no longer owe this debt, it has been over 32 days and i have yet to recieve a response this is a direct violation of the law. ) XXXX XXXX XXXX XXXX, I have never authorized or done business with this company, i have requested in writing original documents 31 days ago with my signature and their name and i have yet to receive a response, this a violation of the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, inaccurate missed payments where there should be ontime payments this creditor has violated my rights under the following laws 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
01/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77014	Web
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX XXXX RE : Disputed Account Notice to Furnisher XX/XX/XXXX Item was removed and added again! XXXX Dear Sir or Madam : I discovered XXXX XXXX XXXX # XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. Identity Theft Report Proof of identity Notice to Furnishers of Information
09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60643	Web
I recently pulled my credit report and saw multiple unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( PAC AUTO FINANCE ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( PAC AUTO FINANCE ) of any sort. In regards to The company ( PAC AUTO FINANCE ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( PAC AUTO FINANCE ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60643	Web
I recently pulled my credit report and saw multiple unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX XXXX XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX XXXX ) of any sort. In regards to The company ( XXXX XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
04/10/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	UT 84660	Web
Prime Acceptance Corp makes call after call all day long from multiple phone numbers! I own a business and it 's very disrupting while I 'm trying to talk to my customers! They harass my wife in the same manner and she works in the medical industry!? This harrasing disrupts her while trying to deal with patients! This is not border line harassment it 's full blown harassment! Oh wait a minute! If this is not enough! If I do n't answer they call the people that you used for references and ask them where we are and are we going to pay our bill! BTW I HAVE WITNESSES!!! I am going to talk to my attorney and see if I can file a lawsuit tomorrow! No more Mr nice guy here! We have been putting up with their unprofessional, harassing behavior long enough! I need someone that can stop their bullying tactics and shut them down! Unfortunately some people respond to their harassing behavior like " We will reposess your car if it 's late 3 days if you do n't pay! HAPPENED TONIGHT! I do n't respond to threats! I told every person that I talked to today that I would make XXXX out of the XXXX payments! XXXX XXXX is a supervisor and she told me I 'd better change my attitude because she was the Collection supervisor and she would take our car off repo hold and start repossession action! Our loan is 3 days into the XXXX payment! We got behind because of the time of the year in our business and Ipaid {$2600.00} in the past 60 days and became current! I would think this should have shown our intentions and capabilities to these Harrassing Collection XXXX ...
07/22/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 751XX	Web
I commenced an auto loan for the purchase of a 2008 XXXX XXXX in XXXX, XXXX. Per the terms of the contract, the loan was to be paid in full after 42 monthly payments, of which, the first was paid on XX/XX/XXXX. The maturity date for the auto loan was XX/XX/XXXX. Due to hardship, I fell behind on my payments and was rolling a 1x30 late. I was contacted by a representative of Prime Acceptance on XX/XX/XXXX, who advised they were willing to modify my loan. This took my monthly payment from $ XXXX/month to $ XXXX/month. The loan term would remain the same so to make this happen, Prime Acceptance promised to perform a principal balance reduction so that my loan would be paid in full as of the same date as the initial contract. When I contacted Prime Acceptance in XXXX, XXXX for payoff details, i was informed of an over {$8000.00} principal balance and that my loan would not be paid in full by XXXX if I continued to make my currently payments. When I questioned the terms of the modification, I was advised that the modification did not take place as explained to me. Currently, I have had my vehicle repossessed, which I reinstated the loan on, but I will never get the value back out of my car, and if I had known that I would in a sense, never get through paying for this car even after having paid {$19000.00}, I would have made different choices. I have looked through all my documentation and they never even disclosed to me when this loan would be paid in full post-modification. I feel that I am a victim of predatory lending and need help.
12/27/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WA 99208	Web
I had a car loan with XXXX XXXX XXXX out of XXXX Utah. It was the worst loan I've ever had. They have robo callers call incessantly. The calls start 3 days BEFORE a payment is due and come in every 60-90 seconds all day. I did fall behind for medical reasons and worked with them to get caught up. I made every payment agreed on and paid my loan off. THEN they called and threatened to repo. They knew I was in the hospital for XXXX and specifically called and paid the pay off amount so I could relax for XXXX. I paid the amount they asked for even though it was {$650.00} higher than my records. They called while I was in recovery and demanded another {$510.00} and said they would take my XXXX right out of the hospital parking lot if I didn't pay. I paid the loan for 5 years. I paid the inflated payoff they requested. Then I paid their additional payoff demand while coming out of anesthesia. They are combative and abusive and threatening. I've had a CPA review my account and he agrees they overcharged me by both the {$650.00} and {$510.00}. Then they took nearly 60 days and 5 calls to release my title. I received a title they hadn't signed off on and then had to work through that with DMV. This company is a scam. They take extra money. They harass people with constant robo calls whether or not they have a payment due. AND they threatened to take the car back after the loan was paid off... until they got another extra payment. Seriously thieves! Please stop them!
08/23/2023	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	TX 75217	Web
Online disputes were filed with all XXXX credit bureaus on : 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 dates older regarding an account where the balances are incorrect. The original balance is listed as {$8700.00} but the past due balance is {$15000.00} which is not at all possible given the original balance was only {$8700.00} not to mention the car was resold and that amount was not deducted from the balance. I have even worked with credit repair companies and this account is still listed on my report incorrectly. After the dispute investigation its only reflected as updated with no changes and no one contacting me via phone or mail acknowledging that a dispute was received. In my opinion, no investigation was completed and this is not just applicable to this account but all accounts that I have disputed in the listed dates above and prior to those dates. I am aware of the Texas code for financial institutions in that surety bond info must be accurate and active in order to do business in this state. After a thorough search, no surety bond information was located for the company listed above. Also when attempting to reach out to that company, there is misleading information about when needing to file a complaint or concern.
03/06/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AZ 85257	Web
I sent Prime Acceptance Corp., a letter disputing Under the laws ofArizonaand XXXX Title XXXX as well as State XXXX and XXXX statutes, a deficiencycannotbe claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. '' Prime Acceptance Corp., Clearly was NON Complaint by sending me a response paper ( which completely evaded my question ). I have rights under the FCRA and the Fair Debt Collections Practices Act. Why are these laws set in place if they can be broken so easily? Prime Acceptance Corp., needs to answer the initial disputed question Instead of sending a frivolous response ... Under the laws ofArizonaand XXXX Title XXXX as well as State XXXX and XXXX statutes, a deficiencycannotbe claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. XXXX. - EFFECT OF ERRORS OR OMISSIONS. XXXX. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. XXXX. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL Prime Acceptance Corp., needs to remove this tradeline from my credit or I'll be filing suite against the company.
03/30/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	AZ 85050	Web
First of all, I am not American and English is not my native language. I know there are some regulations that cares about this kind of situation. Secondly, I got a car loan from Prime Acceptance Corp, done under abusive interest rates of 29 % apr. Lender : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX I was struggling to pay the loan on time. I asked help with them to renegotiate the contract. They refused. I had my car repossessed. I paid all the requests they did XXXX XXXX to them + XXXX parking fees ) The company forced me to make payments after repossession using XXXX, in cash. Calling to XXXX XXXX, they told me there was no difference ( online payment or in person ). I ended up paying XXXX in cash ( as Pac required ), and XXXX ( online, not accepted by XXXX, but they refuse to refund ). I requested them to use this extra XXXX to pay the last installments XXXX to reduce the interest I will be paying XXXX. However they refused : they want to use this balance of XXXX to pay the next installments with full interest rate. I need some help regarding all this situation : 1. abusive interest rate 2. Use my extra paymanets to amortize my balance, and reduce the interest rates : paying the last installments. My monthly payment is XXXX.
05/08/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78216	Web
I purchased a car from the seller XXXX XXXX XXXX XXXX when is was located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX on XX/XX/XXXX. I had two different cars with them, a XXXX XXXX XXXX, which lasted in my hands not even one full day with me because the car was damage. The dealer had the vehicle approximately for two week at the mechanic, at the end they coul n't fix it. So they gave me this second vehicle, a XXXX XXXX XXXX, which lasted with me approximately 3 weeks - 1 month. The car was damage too and they wanted me to pay for it no metter the siuation. I loose {$1500.00} that I gave for down payment and {$370.00} of the first monthly payment, and that same day I ended up with no CAR and no MONEY. The vehicle was financed by XXXX XXXX XXXX. Recently I tried to refinance another vehicle that I have under my name and I couldn't do it because after a whole year of not having that account anymore, the account still open on my credit report. I talked directly with XXXX XXXX XXXX, and they told me that the account was closed since XX/XX/XXXX. The account today, Tuesday XX/XX/XXXX still as OPEN on my credit report.
07/13/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AZ 855XX	Web	Servicemember
I purchased a vehicle from a car dealership whom used PAC Auto Financial to finance the vehicle. Despite encountered medical issues, and hospitalized I was unable to provide proof of insurance whom my insurance company made a mistake on then attempted to make amends for their mistake. At that point PAC would no longer work with the insurance company despite providing proof of being insured the whole time. I have reached out to them on several occasions to resolve the issues with them directly without any success. I now hired a company to pay them off, despite being over a year they have now threatened to call me several times a day to resolve the account with them personally, they have been rude, I have requested to be on the " Do not call list '', and I am actively paying them off with the company I signed up with. I have an account dedicated to paying to them, yet they will not stop calling me. It is relentless, I am in retirement and I can't get a break despite diligently working to resolve this issue. I am at a lost of ideas and don't know what to do.
04/20/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	NV 89156	Web	Servicemember
I bought my 1st car XX/XX/XXXX I have got car XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX have two final sales paper the say selling price XXXX total due XXXX cash down XXXX ( XXXX ) but balance due XXXX so XXXX I was finance and XXXX finance charge my XXXXXXXX XXXX XXXX PAC FINANCE TOLD XXXX to fix the calculations on the paper .this is where the other final sales paper come in .my XXXX XXXX XXXX the I was finance XXXX and the charge XXXX with XXXX down total payment will be XXXX. My Apr should not been that high at that time I had credit score XXXX and I have co signer her credit score was XXXX... XXXX I have been paying XXXX monthly I miss 1 payment that was during the pandemic. About XXXX add on the bill.i feel I'm getting rob for my money .I m getting harass by pac finance about paying the bill and I'm not even due yet .I keep telling them stop harassing me.they calling then they put nagitive reports on your credit report.
06/15/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	ID 832XX	Web
Over the past few years we have been contacted by the collection agency XXXX XXXX XXXX about our car that was given back in XX/XX/XXXX and they always send us a paper stating that we are not being cooperative and that they will report and damage our credit which it was already reported. The tone of the letters are always threatening and when they call the use the same threatening tone. We have asked numerous times about getting a validation on exactly we owe but we never get it. They even said on the phone that there was 2 amounts listed, we were never given notice of sale after we voluntarily gave the care back or when and how much it was sold for. On our credit they listed as a involuntarily repossession. We sent a certified letter asking once again for the validation on XX/XX/XXXX and it came back yesterday the XX/XX/XXXX unclaimed. We have tried numerous times to get this resolved and they have yet to cooperate with us.
01/03/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	CA 94588	Web
From XXXX XXXX Pac Auto Finance has been charging me gap insurance even though I have provided them with insurance on several occasion. They reported this to my credit bureaus for a year causing false reporting to the credit bureaus. Even though I paid my monthly bill due to the extra fees it reported for a year only {$1.00} to the principal. The additional fees cause my credit to spiral in repetitive false reporting. I forward my insurance on several occasions and has the insurance company to forward via mail and fax since XX/XX/XXXX. I forward the company a letter XX/XX/22 requesting all fees to be removed and was meet with threats of non removal of fees for requesting all contract and removal in writing via mail. I have yet to receive this information and now the car in in default with the threat of repossession. I am low income and this has cause an extreme hardship to my family.
08/07/2016	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	TX 77066	Web
My financed car was deemed a total loss in XXXX 2016 due to a flood water in XXXX, Tx. My insurance company payed out over XXXX dollars on the XXXX I owed. I understand I am responsible for the balance, however, once an insurance company makes such a payout it is my understanding they take possession of the vehicle, so how is it that my bank can file my car as a repossession? And claiming I owe more than what my actual balance was after the last payment I made.. Because I am still without a vehicle and ca n't even finance one because of their reported repossession. I made I believe 9 payments on the car and never a single one was late, until after it was deemed totaled and I did not have possession of it. Can they do this and what do I do now? I already lost the job I had, found another only over a week ago, and no car is causing issue again. This is n't right.
10/31/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	CA 92618	Web
In XX/XX/2012, I completed a Voluntary Repossession of a vehicle. I turned it in because I went to XXXX for 6.5 years. the company closed out the account and reported it as a closed account, repossession, etc. THAT account is about to fall off of my report. They then passed the account to a collection agency. They continue to report an open account, past due, each month. Is it legal that an account NEVER ages?? Can they continue to harm my credit on something that has been over with for nearly 7 years? What are my rights? How can I get the collection agency to stop reporting on my credit? It is the only negative left on my credit report. I could get a fresh start after spending 6.5 years in XXXX on an XXXX XXXX as ruled by the Utah Court of Appeals in XXXX of this year. PLEASE HELP. Name of Collection Agency is XXXX XXXX XXXX in Utah. Thank you.
03/29/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	AZ 85202	Web
I purchased a car from XXXX XX/XX/2016. They had me finance through prime acceptance. The title to the car was never supplied. In a year and three months through 2 bonded title processes and making a complaint with the MVD, i drove around on a dealers plate, 2 90 day tags, and 3 30 day tags the company went out of business. The finance company repossessed my car three days ago stating the claims was because of 2 late payments. However, the title had never been furnished for me to get hard plates. And the car went to the auction the next day. I was told the only way I could get the car back was to make the full payment on the loan. Will from prime acceptance told me that they ship their cars out of state.
03/07/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	AZ 85050	Web
Account : XXXX Insurance policy updated and sent to PAC, and another request to stop abusive charges, related to insurance. INSURANCE UPDATED AS REQUESTED. COMPANY INFORMED ABOUT IT Company does not reply confirming they received the information and removed any charges. Requesting for the 3rd time to have the information about paying the remaining balance, and fully pay off the loan. Company does not respond properly. Federal agencies should overlook this company closely, if they are adopting abusive practices against customers. I need to finish this loan ASAP and I am requesting the balance of this loan, and they don't reply the request.
11/08/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	UT 84065	Web
XXXX XXXX is the original creditor for my auto loan. I had a life event and unfortunately could n't pay. They have since sold the debt to XXXX XXXX XXXX and now they BOTH are reporting the same debt and attempting to collect on the debt. By law 2 creditors can not collect on the same debt at the same time. -- -Also the debt is past the statute of limitations!! When I call either of them, nobody knows what they are doing and they do n't try to help. I have contacted my attorney as well as filed a complaint with the attorney general. They need to fix this. The next correspondence will be from my attorney ....
01/01/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	UT 84123	Web
The company is reporting that money is still owed on my vehicle loan. However, in XXXX of 2018, our XXXX XXXX was stolen from my husbands work parking lot. We had a police report, a claim in with XXXX XXXX XXXX XXXX, XXXX made it a total loss due to theft in XXXX of 2019. They paid the said company, {$6900.00}, per their XXXX day payoff. The title was given to XXXX XXXX and it was a closed claim and auto account. However, the company is reporting it as a charge of and that they are still owed for the car.
11/02/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	CA 948XX	Web
THE AUTO LOAN WAS OPEN FRAUD FROM XXXX XXXX XXXX IN XXXX XXXX I CONTACTED THE FINANCE COMPANY AND THEY SAID TO REPORT it to THE 3 LARGE CREDITORS AND ALSO FTC IM IN A BAD HOUSING SITUATION AND NEED THIS REMOVED FROM MY CREDIT HISTORY SO THAT I CAN MOVE FORWARD WITH MY LIFE IF YOU SEE I HAVE A CLEAN CREDIT SLATE CAN YOU PLEASE ADVISE PAC TO REMOVE THIS AT ONCE MY LIVELY HOOD IS AT STAKE DUE TO FRAUD I AM A MOTHER OF XXXX I NEED THIS SITUATION HANDLED AT IT IMMEDIATE MATTER THANK YOU XXXX XXXX XXXXXXXX XXXX
07/20/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	UT 84118	Web
I had an auto loan with Prime Acceptance and I defaulted on it. They have since sold the debt to XXXX XXXX XXXX. XXXX XXXX bureau is now collecting and has been since 2011. But Prime Acceptance is also still collecting and reporting the same debt. So they are double reporting. I have disputed it several times yet they claim it is valid. How can XXXX companies collect on the same debt and that be valid? It is not based on my research.
06/22/2022	Yes	Debt collection Mortgage debt	Communication tactics Frequent or repeated calls	IL 60451	Web
Im a little late on my car loan but I also get a 10 day grace period. They call me non stop on different numbers, every 5 minutes. It distracts me at work and while driving. If Im late one day, I get so many phone calls from different numbers from the car loan company. The name is XXXXc, thats the car loan company. They dont stop calling, they call about 50 or more times every single day, thats uncalled for.
02/01/2019	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	NV 89113	Web
I wrote to this company XX/XX/XXXX, and I received a response back XX/XX/XXXX. However they are requesting more information when other companies search in their system with less. I provided my name and address which should of been more than enough information to search any information of me in their system. Im not comfortable giving any more information out because I dont remember the credit inquiry.
10/18/2019	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	TX 751XX	Web
There was an account with Prime Acceptance corp that I stated I was not the joint signer on. It was fraudulent. After email the account manager or rep the supervisor agreed to remove these accounts from all of my credit reports, which they did and I still have the email correspondence from this. Now they have sold the account and this has been illegally reinserted on my credit reports.
02/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84054	Web
My auto loan with prime acceptance Corp was closed years ago, the vehicle repossessed. I then filed bankruptcy, and this account was on the bankruptcy. They are still reporting it as an open and late account. I filed a dispute on XX/XX/2020. They denied the dispute and started the account was still active. I have now filed a second dispute today, along with filing this complaint.
02/03/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	AZ 85050	Web
As the balance is lower and loan is close to be fully paid, bank is charging insurance charges. Bank informs it is in the contract, but does not present the evidence. I didn't find it. Request for : 1 Stop charging the insurance- it was not charged for almost 40 months and suddenly started 2 Send me the balance to fully pay off the loan. Without insurance.
02/12/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AZ 85050	Web
Company was requested to inform balance to fully pay off the loan. Not responded properly the last complaint. Company did not present terms related to insurance additional charges. Company refuses to stop charging insurance : proof of insurance already sent. Because the balance is close to full payoff, company came up with insurance charges.
12/08/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AZ 85050	Web
Dealing with this company, PAC Auto Finance is really hard. I have been charged insurance fees, even having insurance from XXXX. The policy number is XXXX. I need them to adjust the billing and stop sending me mails regarding insurance. They ignore our communication with them, and simply charged me, XXXX montly. Need the solution urgent!
04/06/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NV 89031	Web
I did not know of predatory lending and was given a loan even though my income was not enough to cover the monthly payments and sustain daily living expenses. I have paid {$400.00} a month for 2 years and still owe the same amount in which I purchased the car for. I was also asked to pay a {$2000.00} down payment and it was not applied to car.
09/06/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	UT 84124	Web
I had an auto loan that was previously repossessed back in XX/XX/2012. This debt is now past the statute of limitations on debt collection. However, they sold the debt to XXXX XXXX XXXX and both companies are now recently reporting on my credit file with a balance. It is against the law for XXXX companies to collect on the same debt.
07/25/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	UT 84047	Web
XXXX XXXX sold me a vehicle that ended up not passing emissions. I also found out, after my purchase, from a 3rd party mechanic that the dealership should have never passed the car for safety, as there was obvious damage to the front suspension. The DMV made me give the car back because it was not able to be registered.
08/07/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75248	Web
I am currently paying on a car through Prime Acceptance and they constantly call my cell phone which charges me money. Even if I am one day late they call. I also believe they are charging me an unfair amount of interest and late fees. I also requested a copy of my contract and they refused to provide.
07/10/2017	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	UT 84015	Web
Prime Acceptance & XXXX XXXX XXXX are collecting on the same debt at the same time and both reporting to credit. I have read several complaints about them doing this same thing to people. By law XXXX companies can not collect on the same debt at the same time. They are both in violation,
04/29/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NV 89178	Web
After reviewing the loan contract Im confused as to how my total sales price is {$18000.00} if the total amount financed was only {$15000.00} and I put down {$2500.00}. Please assist me, seems like this is a fraudulent contract.
05/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84047	Web
XXXX XXXX XXXX and Prime Acceptance are double reporting a debt. I have recently looked at my credit and noticed that this debt is reporting twice. This is a violation under the FCRA and this needs to be fixed immediately.
05/17/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NV 89014	Web
This is an account that was paid off that appears to be negligent in my credit history. I called the company and they said it is an error that I needed to contact consumer finances.
11/28/2016	Yes	Debt collection Auto	Communication tactics Called outside of 8am-9pm	CA 92392	Web
Called at XXXX. Also calls 6-8 times per day from different numbers
02/17/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	UT 84094	Web
Prime Acceptance call all day repeatedly from different numbers.
11/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30052	Web
There are unauthorized businesses on my credit report.
06/07/2022	Yes	Debt collection Auto debt	False statements or representation Indicated you were committing crime by not paying debt	TX 78259	Web
accounts on my credit report that do not belong to me.
01/03/2024	Yes	Vehicle loan or lease Lease	Getting a loan or lease High-pressure sales tactics	CA XXXXX	Web

01/03/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AZ 86046	Web

12/20/2023	Yes	Vehicle loan or lease Lease	Repossession Company explaining amount owed	NV 89108	Web

08/18/2023	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	IL 60098	Web

07/25/2023	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	IL 60153	Web	Servicemember

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	TX 75215	Web

01/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90302	Web

12/16/2022	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	TX 76017	Web

05/11/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 78245	Phone

12/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	LA 71119	Web

03/13/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NV 89108	Web

11/05/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33974	Web

11/03/2017	Yes	Debt collection Auto debt	Communication tactics Called before 8am or after 9pm	CA 92392	Web

08/22/2017	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	TX 75050	Phone

08/06/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77065	Web

04/15/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	NV 89115	Web	Servicemember

03/09/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	NV 89081	Web

01/07/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	NV 89031	Web

05/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	NV 89119	Referral

05/13/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NV 89119	Referral

02/11/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	UT 84084	Web