| 09/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/XXXX I went to XXXX XXXX XXXX to purchase a used XXXX XXXX XXXX. Vehicle was priced at {$12000.00} with XXXX miles. I had originally spoke with salesperson XXXX XXXX XXXX, but he was out sick. So, Mrs. XXXX XXXX took over the sale. I informed XXXX of my budget of about {$12000.00} with a monthly payment of {$280.00}. I also was trading in my XXXX XXXX XXXX and was Pre-Approved with XXXX XXXX XXXX XXXX for {$35000.00} with interest APR of 15 %. So, after that Mrs. XXXX took some information from me regarding pay-off amount with current lender and account information. She also disclosed XXXX XXXX for my vehicle and purchase vehicle. She told me that my car had been involved in two accidents and the odometer reading had been changed on my vehicle. I informed her that I knew about two accidents, but my odometer reading was correct. She stated that this could be an issued in the amount of money I would receive for my trade in. So, she went to talk to her Pre-owned Sales Manager, XXXX XXXX. When XXXX sit down with me, I explained this was a mistake with odometer reading and I would call Dealership in Louisiana to get the matter corrected he agreed it would take 60 days to update on Car Fax Report. So, he offered me {$4500.00} on my car. I declined offer and he came back with {$5800.00}. Which was the amount to pay off vehicle. He stated this was the best offer he could give me. ( Note : My car with the current mileage could sale for {$10000.00} to 12,000 in good shape ). He was just trying to underpay me for my trade-in. I also informed XXXX I did not want the XXXX XXXX {$250.00} and XXXX {$490.00}. coverages and asked why I had to pay for something the dealership did to vehicle prior to me purchasing it. He stated that I had to get coverage and it was not the optional.
So, after he left XXXX came back with numbers regarding monthly payment and other fees for XXXX XXXX {$250.00} and XXXX {$490.00}. I explained that I did not want these services and asked why I had to pay for something the dealership did to vehicle when they acquired the vehicle. She kept insisting that I had to take services and that I could not refuse them. Then she introduces me to the finance guy XXXX. He sits at XXXX desk and I asked him about the two charges for services. He stated that I had to get them if I wanted to purchase vehicle and that it was not optional. XXXX also told me that my XXXX XXXX rate was too high and advised me to let him contact some other banks to get a lower interest and he also asked for my SSN Card. Flagship Credit Acceptance was the only financing option he was trying to use. He never contacted any other bank for financing. I explained I did not have my SSN card and asked why he needed it. He said I had a credit freeze with one of the credit bureaus. But if I didnt have it with me, it was ok. So, he left me sitting at the desk for about 30 to 40 minutes. When we finally got to his office, he showed me the option on services with different monthly payment options. He stated I needed to get extended warranty on vehicle for {$3600.00}, but he would put in a discount code for {$1600.00} and the Flagship Credit Acceptance finance company required it for loan. Which was lie. XXXX XXXX XXXX Offer Summary advised against extended warranty, due to amount of mileage already on vehicle. He also included a gap insurance policy for {$800.00}. This was more than my original lender, or any creditable auto financing company would have approved for a used vehicle. In addition, I told XXXX that I did not want these services, but he kept trying to persuade me I needed them. Which added an additional {$4000.00} to finance amount bringing the finance amount to {$16000.00}. XXXX XXXX Offer Summary stated that this GAP policy was too high for vehicle and advise not to purchase the gap insurance at all. ( Note I didnt have Offer Summary with me at the time, because I could not print it. ) In addition, XXXX XXXX was offering me different interest rates depending on vehicle. The interest rate was actually 11.79 APR or 12 % for this vehicle and credit score. I initially thought my interest rate with XXXX XXXX was 15 %, but it was actually 11.79 %.
So, XXXX the finance person told me that I was getting a better rate with Flagship Credit Acceptance ( 14.59 % APR ). Which was a complete lie. He wanted me to go with their third-party financing company in order to secure financing for an overpriced Gap protection, extended warranty, XXXX XXXX, XXXX XXXX XXXX, a bigger commission for using this financing company. He knew that XXXX XXXX would never have financed this deal full of red flags. On top of that he had me sign many of documents with a pen pad and I was never shown actual documents.
For example, documents like the Law 553-TX-ARB-eps-14 4/18 with annual percentage rate, finance charge, amount financed, and total of payments, and total sale price he never explained the amount being financed or the final payoff amounts. In addition, there was also a Final Aceeptance Form, Complete Theft Warranty Registration, Mechanical Failure Service Contract regarding XXXX XXXX, GAP, Extended Warranty, XXXX which stated that these services were optional and that there is no requirement to purchase any of these coverages in order to obtain financing he never showed me. He waited until to the last minute to provide me with paperwork packet and stuffed them in a white envelope. I never saw these documents at all. Had I seen these documents, I would have left dealership immediately. After everything was said and done, I would have owed a total of {$24000.00}. 00 on a vehicle that was not worth it. Nothing was explained to me regarding any of the paper work. XXXX just kept rushing me to sign documents using pen pad and never showed me important documents. Then when everything was done. They told me I could NOT take vehicle home because they were putting new tires on it. I was told I should return in the morning to pick up vehicle. So, the dealership provided me with a rental vehicle. This vehicle was a Mini Coupe and nothing like my car. I left the dealership and brought the paper work to my husband to review. I had a bad feeling about what had just taken place and I knew something was not right with the treatment I received. So, I left the paper work with my husband and left to run errands in the area. Before I could leave the parking lot, he called me angry and very upset. He told me he was calling dealership to speak with XXXX about how they had taken advantage of me and requested that he return my vehicle. He also informed them I would be returning rental car immediately.
My husband told XXXX that the GAP insurance, extended warranty, XXXX, XXXX, and financing was predatory lending. He explained to XXXX what XXXX had done regarding financing and not providing me with all documentation to review. He told XXXX to return my vehicle to me and unwind the deal, and that he was filing a complaint with OCCC. Mr. XXXX stated that he would not return my vehicle at first. But then my husband told him that I never took possession of vehicle and I had just left the dealership about 30 minutes ago with a loaner car. So, I personally called dealership and spoke with XXXX and informed her I was coming to get my vehicle and to unwind the deal and to inform XXXX of my decision. She told me that I could come and pick up my vehicle. The whole time I was on the phone with her, she kept inquiring what the problem was. I explained I wasnt happy with the predatory lending practices, being lied to, and over charged for services I did not want or need. When I arrived at the dealership my car was parked in front with both of my license plates taken off and thrown on the floor in my car. I entered dealership and asked receptionist to speak with XXXX, he never came to front to meet me. He sent Mr. XXXX to give me my keys and took the keys for the rental. I asked XXXX for the contract and to shred it. He went to Finance office and got paper work from XXXX and put it in a lock box to be shredded. I called my lender and advised XXXX XXXX to reject a payoff attempt by XXXX XXXX and Flagship Credit Acceptance and that I did not authorize sale on XX/XX/XXXX. I also advised them the deal was unwind, due predatory lending, falsified documentation, warranty misrepresentation, and due to the fact, that I did not take possession of vechile on XX/XX/XXXX. On XX/XX/XXXX I called Flagship Credit Acceptance to advise them of the unwind contract and to inquiry about credit application. Representative informed me that they never received application for credit on my behalf and if they to void it. I also told her I would be disputing inquiries with the three major credit bureaus. Also my husband called dealership on XX/XX/XXXX and XX/XX/XXXX to talk to owner. Receptionist stated he wasn't in or he was in a meeting, but took down his name and contact info. He never heard from owner.
Types of Auto Dealer Fraud I experienced : Inflating the total purchase price above the invoice or sticker price, such as by concealing options the consumer did not request, or by including other unapproved and undisclosed fees.
Falsely stating that optional features are required.
Undervaluing or underpaying for a consumers trade-in vehicle.
Representing that new or used vehicle has features or options that it does not have.
Claiming that a warranty offers protections that it does not offer, or falsely representing an extended service contract as an extended warranty. ( Gap Insurance for {$800.00}, {$1600.00} extended warranty, {$250.00} XXXX XXXX, and {$490.00} XXXX XXXX XXXX ) Misrepresenting a consumers credit score or eligibility for financing in order to get him or her to agree to a higher interest rate or other unfavorable terms.
Providing additional insurance policy on vehicle when insurance was already available and verified.
Resolution : I would like them to remove inquires off credit report, administrative penalties, restitution, license suspensions, and be audited for every sale completed this year at dealership.
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| 02/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. FLAGSHIP CREDIT ACCE bal. {$4300.00} 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 CC : XXXX- XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
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| 11/19/2021 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Dear Sir or Madam, 1. FLAGSHIP CRD Account NumberXXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau 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, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with FLAGSHIP CRD 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 XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX Iowa XXXX
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| 11/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Dear Sir or Madam, XXXX. FLAGSHIP CRD Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau 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.
I immediately disputed this information with FLAGSHIP CRD 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 XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/02/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. FLAGSHIP CREDIT ACCEPT bal. {$8000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
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| 12/15/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with 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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. FLAGSHIP CRD bal. {$18000.00} 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 XXXX ( XXXX ) 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 XXXX. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
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| 08/07/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. FLAGSHIP CRD bal. {$34000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 09/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I would like to advise Flagship Credit, that I received your response on XX/XX/XXXX, from my request that your company received according to my certified XXXX XXXX receipt signed and dated on XX/XX/XXXX, for validation according to 1006.34 Notice for validation of debts. I also requested for a copy of my disclosures that I should have received at the time of signing the contract for opting out of my personal information being disclosed according to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, and the Federal Credit Bureau Program.
According to 1006.34 Notice for validation of debts : ( 5 ) Validation period means the period starting on the date that a debt collector provides the validation information required by paragraph ( c ) of this section and ending 30 days after the consumer receives or is assumed to receive the validation information.
Per Federal Credit Bureau and CFPB ( Consumer Financial Protection Bureau ) Reporting debts owed to the United States to consumer reporting agencies is governed by the DCA and the DCIA as codified at 31 U.S.C. 3711 ( e ). Obligations of consumer reporting agencies and state and local government agencies to investigate disputes under the Fair Credit Reporting Act ( FCRA ) arise independently of 3711 ( e ). Federal agencies should be aware that credit reporting agencies may be required by the FCRA to delete information if their investigation is not completed within 30 days.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, inwriting or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option Not only did you fail to validate and send me the disclosures within the given timeframe of 30 days, but you did not provide me with any disclosures with my wet signature showing that I have given you authorization to disclose my information to a 3rd party, which is the credit reporting agencies.
I am requesting for Flagship Credit Acceptance to delete this account off all 3 of my consumer reports, you did not validate within 30 days and I did not sign any disclosures to opt out according to : SUBCHAPTER IDISCLOSURE OF NONPUBLIC PERSONAL INFORMATION 6801. Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
AND 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this sub- chapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a no- tice that complies with section 6803 of this title.
XXXX did not disclose this information to me that is required by federal law. XXXX knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. XXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. You are in violations of several federal law you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on.
Should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision.
15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter.
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| 11/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act.
XXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX routinely receives complaints from consumers who claim they do not owe the debt.
In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX reporting the information. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on DEFENDANTS website.
Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX XXXX policy and practice only to compare the name, social security number, date of birth, and address in XXXX XXXX computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX XXXX policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records.
In disputes involving identity theft or fraud allegations, XXXX XXXX policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification.
In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, Defendant XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer.
Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate.
In numerous instances, I have contacted Defendant XXXX at the address specified by XXXX to dispute information about them furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate.
In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity.
The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ).
This creditor is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that this creditor is the one responsible for removing this information from my credit report. As it currently stands they have not validated or verified the accuracy of this inquiry. They also failed to remove the inquire from my credit report after the two year statute of limitation.
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| 07/11/2020 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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Complaint # 2 2 years ago I submitted a complaint to CFPB on this very same Auto loan lender Flagship Credit, LLC. The basis of the complaint was the unfair accounting practice used to negatively reflect my account was past due and report it to the credit burro. Also, harassing me at my job with anywhere from 10 to 15 calls a day because I refused to use their vendor to process my loan payments. My account was also adjusted, using their processing, to show my account was 1 month behind but, because I use bill pay through my bank, I was able to prove my account was current. Flagship did correct everything, only with the help of CFPB and I am hoping this wrong can be corrected too.
On this complaint it is noticeably clear, Flagship credit set in motion an attempt to take may vehicle in response to the complaint I filed previously against them exposing their unfair accounting tactics.
This complaint is because Flagship credit has taken the next step by re-possessing my vehicle for being 120 days past due. Their own records show payments for every month of year XXXX except XXXX ( I address XXXX later in this letter ). I am nowhere near 120 days past due.
On XX/XX/XXXX, I received a text message from XXXX XXXX, informing me there was an item added to my credit report reducing my score. I open my credit report to find Flagship had sent a negative mark to the credit burros stating I was 60 days past due. I then logged on to the Flagship site and reviewed my payment history to see if any months from XXXX to the present were missing or had the XXXX payment just not posted yet. The XXXX payment had posted, and I did see there was not a payment for XX/XX/XXXX. I then scrolled over to the message section, in this area account holders can send messages to customer service for any customer service issues. I sent a message requesting an account audit and for someone to return my email to resolve the XX/XX/XXXX payment and the negative reporting of my account to the credit burro. I never received any response by mail or email, but I did submit my XXXX payment. From the date I made my payment to today ( XX/XX/XXXX ), I have not heard anything from Flagship credit. They never informed me there was a problem so big that they wanted to re-possess my vehicle by regular mail or email. During the month of XXXX, I had some major health issues and in XXXX, my Mother had health issues she needed my help with ( XXXX XXXX ). So, I was only concerned with making the payment, I figured if I were making the payments the credit reporting issues could be worked out when I was done dealing with my health issues. Today, I found out Flagship will do anything they can to hurt people instead of what they can to help people in the middle of a Pandemic. At roughly XXXX XXXX, my wife came to me and told me a tow truck was outside trying to take my car, I immediately went to my driveway to find a tow truck had trespassed on my property and had my car lifted up. I went to the driver as quickly as I could and asked what was going on. He said he was taking the car because Flagship was re-possessing it. I told him was not going to take the car anywhere and he said I needed to call Flagship, if they said do not take it then he would not. I called and got a customer service rep. who did not want to review my account and look at the payment history, she said the driver need to take the car because I was 120 days late. I insisted she transfer me to her supervisor because I could easily show bank records of my payments being made, the only payment I knew was not made was the XX/XX/XXXX payment. The supervisor ( whom I think was a more seasoned employee and not a supervisor ) came on the phone and refused to accept this was a situation that could be resolved and accept me submitting to her via email 2 of the months ( XXXX and XXXX of XXXX ) she said where in question. I had already been embarrassed by the tow truck coming to my house, all my neighbors were watching, it was over 100 degrees, so I gave up. I was not 100 % health wise, so I GAVE UP! I returned inside my home and asked the supervisor for her name and direct phone number ; she gave me her name and email address ( XXXX XXXX XXXX ) but refuse to give me her direct phone number. This usually means the person your speaking to is not a supervisor. I then asked her for her supervisors name and number, she gave me his name and email address ( XXXX XXXX XXXX ) but again refused to give me his direct number.
This organization needs to be stopped! Flagship should be heavily reprimanded for the business practices they use to re-possess my vehicle and many others. There hundred of complaints online where people were harassed as I was on my first complaint and had their vehicle re-possessed using shady accounting and credit reporting. They should not be able to damage, not just my credit but, the countless people who were treated unfairly and had credit damaged. During a Pandemic they should have taken steps to remedy the account before re-possessing my car instead of re-possessing my car and trying to remedy the account.
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| 06/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX. # XXXX XXXX, TX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified.
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 that if offices have reported invalidated information to any of the 3 major Credit Bureaus { 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 theses companies, 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.
Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable.
Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.
I look forward to an expedite resolution of this matter Thank you.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when it fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX. # XXXX XXXX, TX XXXX
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| 06/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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I the consumer and natural person, was denied credit by FLAGSHIP CREDIT ACCEPTANCE when I applied for a AUTO LOAN.
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability unde
r 15 U.S.C 1692k. You are subject to criminally liability for
violating 15 U.S.C 1691 as I have proof what i was discriminated against by FLAGSHIP CREDIT ACCEPTANCE due to the inquiry I received.
FLAGSHIP CREDIT ACCEPTANCE is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.
Furthermore. because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of FLAGSHIP CREDIT ACCEPTANCE.
This denial is illegal according to the equal credit opportunity act, which is codified in 15 USC 1691 ( c ) & is persuant to civil liability under 15 USC 1692 ( k ) I am pursuant to 15 USC 1602 ( l ) The term credit card was used to initiate the consumer credit transaction. I am also the cardholder and the holder in due course. Pursuant to 15 USC 1602 ( n ) the credit card ( social security card/number ) was provided by me to initiatethe transaction. It is not possible to be denied with credit Ive provided. Again I am the holder and due course and pursuant to 15 USC 1681 ( a ). The term adverse action never mentions the consumer being denied credit because it is impossible to be denied credit in which I am granting your company. The right to extend credit in pursuant to 15 USC 1602 the term credit means the right granted by a creditor to a debtor to defer payments of debt or to incur debt in deferrers payments.
Pursuant to 15 USC 1611 FLAGSHIP CREDIT ACCEPTANCE isgiving me false and inaccurate information willingly and knowingly because this information is public there is no excuse to break this law.
Credit is my right and I am the individual who regularly extends credit in the connection with loans and Pursuant to 15 USC 1602 ( g ) I am the original creditor and I am well aware of my rights. I know that reporting to the consumer reporting agencies is voluntary. This is a private transaction and this is an unfavorable situation to me as the consumer.I am credit worthy and this is a consumer credit transaction. By law credit worthiness is left up to assumption and by stating that I am credit worthy removes the need for assumption. I am stating this as fact.
Nowhere in the term adverse action defined within the FCRA does it mention that a natural person can be denied credit. So as an original creditor it is not lawful to be denied my right to grant credit. Furthermore my credit was used and I received no benefit from the use of my credit. Any inquiry populated on my consumer report which is a receipt of a transaction meaning someone was paid off of my credit and I received no benefit from it at all. In fact damages were done from the denial of my rights mentally and financially.
12 CFR Part 1002 Equal Credit Opportunity Act Regulation B States that if Im denied an extension of my credit, this can be classified as discrimination. I understand that you may disagree but this is law and subject to criminal liability.This denial is illegal according to the equal credit opportunity act, which is codified in 15 USC 1691 ( c ) & is pursuant to civil liability under 15 USC 1692 ( k ) I have been discriminated against and there are no federal laws that state a credit score can deny me my right to extend credit. I am in good faith exercising my rights and I the natural person have been discriminated against Pursuant to 15 US Code 1691 Scope of prohibition A ) activities constituting discrimination, it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- 1 ) on the basis of race, color, religion, national origin, sex out martirial status 2 ) because all or part of the applicants income derives from any public assistance program : or 3 ) because the applicant has in good faith exercises any right under this chapter 15 USC 1691 of the Equal Credit Opportunity Act states that it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. For the damages that have been done to my mental distress and financial reputation, as I take my consumer report and life seriously. I will take this to a federal level if my request to open the account in which adverse action has taken place. I am aware of my open end credit plan, my right to contract unlimited without being denied. I demand your company reinvestigate this matter, abide by federal law and open up the account in which Ive extended credit.
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| 11/12/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Branching off of previous complaints this year, XXXX is at it again with the lies and deception. Using false statements and high pressure deception to extort payments out of consumers, then lying to them about the status of their debt and what they intend to do.
On XX/XX/XXXX at XXXX CST i contacted XXXX XXXX with XXXX and advised him that for the past 6 months XXXX has been violating FCRA with false reports to my bureaus, they have added false late fees and interest charges, and also lied end of XX/XX/XXXX about rolling 2 months of late payments into the back of the loan ; which their inability to keep their word led to my current situation. I told XXXX that I wanted to try to work something out, but it seems XXXX does n't want me as a consumer as all they want to do is lie, cheat and steal. I advised him that I wanted to purchase a new vehicle today, and advised him I would like to surrender the current vehicle since XXXX refused to honor their statements and promises they made to me as a consumer.
He advised me that they would like to work with me and that the plan was to get me back on track. We talked for a total of 18 minutes on the phone and by the end of the call, he assured me that if i paid {$970.00}?? ; my vehicle would n't be repossessed and I would make additional payments on XX/XX/XXXX and once i was 60 days or under " late '', HE himself guaranteed he would roll those two months into my loan. I offered a card over the phone and he said he wanted to wait until the XX/XX/XXXX to make the payment. The call ended.
He then called me back at exactly XXXX XXXX from XXXX and stated to me that he was wrong on the numbers he crunched and that i would need to make four payments totaling {$1200.00} to stay on pace. I advised him i can do that however to be absolutely certain my vehicle would not be repossessed. He advised me there is a hold on it and that it will not be repo 'd if i make that payment on Monday.
I called Monday and talked to XXXX with XXXX ( XXXX was out at the time ) and she assured me the same ; that when the payment was good there would n't be a repo. I told her I can pay the remaining {$640.00} on XX/XX/XXXX and offered several times to post date the payment. She stated she can not go that far in the system to set it up, however XXXX assured me that if i was at 60 or under and made those two pays on XX/XX/XXXX, that He would roll the 2 payments and I would be current as of XX/XX/XXXX. Also that I could get my due date changed.
XXXX coerced me several times to setup a payment on XX/XX/XXXX, as I was very unsure that I would have the funds to cover it. The {$320.00} declined on my card XX/XX/XXXX and she did not call me to make it up.
Friday evening ( XX/XX/XXXX ) I was out of town and I received a call from a roommate that there was a towing & recovery truck there to repossess my CAR!!!
I was dumfounded. I had made it EXTREMELY clear to XXXX XXXX on the phone that if I made the {$1200.00} payment on the date I did, it would prevent the repossession of my vehicle. He PROMISED me it would. This promise turned out to be a huge complete lie.
Just like back in XX/XX/XXXX, XXXX continues to recklessly lie to consumers over the phone, including making false promises to extort money from consumers ; to only later back out on their promises!
XXXX and its representatives have violated the Dodd-Frank Act ( UDAAP ) on NUMEROUS occasions and i pray all of the calls have been recorded. They tell complete lies to consumers to get their money!
At this point of writing this complaint, my car has been repossessed. I can not reach the towing company to collect my valuables.
I contacted XXXX yesterday morning and was told I need to pay {$650.00} for the repo, {$150.00} for storage and tow, and an additional $ 1400+ to get my account current to get my vehicle back. MY VEHICLE SHOULD HAVE NEVER BEEN REPOSSESSED!!!!!!!!!!
I am BEGGING the CFPB to do an on-site audit at the way XXXX XXXX XXXX does business. Companies like this are the reasons the economy crumbled in XX/XX/XXXX. They are ruining peoples lives!
I also want this entire account deleted from all credit bureaus. I notified XXXX of my new address through the CFPB in XX/XX/XXXX and they did n't update it in their system until at least 5 months later, which also violates FCRA for their responsibilities as a data furnisher. They have lied to me about their repossession and charge off policies and my account did not follow that. They should have repossessed the vehicle in the early summer and avoided the current credit reporting of 180 days delinquent, which is causing a high amount of civil damages, damaging my credit score and my emotional well being.
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| 02/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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This complaint involves vehicle. loan and predatory lending by a dealership ; XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( LA ), California. On XX/XX/XXXX, XXXX XXXX, XXXX, drove from the dealership in LA to my home in XXXX ( XXXX miles XXXX way ) to pick me up and take me back to the dealership to make a car purchase for a XXXX priced below XXXX.. As I explained to XXXX, my credit was extremely bad ; I had just started working at XXXX only 1 month earlier ( {$18.00} pr hr ) ; and I had no co-signer. Therefore, based on my current situation, the XXXX XXXX XXXX that XXXX had advertised under XXXX was the car budgeted for me. Once at the dealership, XXXX XXXX XXXX XXXX, XXXX XXXX, had other pretenses. First, all of sudden, the XXXX that was being advertised on local radio spots ; on-line at XXXX 's website was suddenly no longer available. The reason that was given to me by XXXX was that her XXXX, " XXXX XXXX '', said the car was not ready to be sold as it still needed to be inspected, Thus, iIn short, I was lured to the dealership under false pretenses based on " false vehicle related advertising. '' Even so, I was presented with a XXXX XXXX XXXX that was advertised on the dealership 's website with XXXX miles. However, when I drove the car, the odometer actually. reflected XXXX miles. When I addressed the issue about the misrepresentation. the sales XXXX, XXXX XXXX ( XXXX ) XXXX intervened and reduced the price from originally $ XXXX down to $ {$13000.00} with a 28.05 APR. Also, I was forced to pay {$1000.00} for XXXX mo for XXXX XXXX XXXX ( in which the contract indicated was optional and so I declined ), Also, other fees and charges that I later learned had been included in the sale of the car to help inflate the purchase price, after I had specifically told the finance representative at the dealership,, XXXX XXXX, that I did not want to purchase the {$250.00} Cancellation Option Purchase Price ; nor pay for a restock fee of {$500.00} ; and pay an extra {$1000.00} for an Addendum Charge.
Following XXXX, on XX/XX/XXXX, I began to call the XXXX, XXXX XXXX, to make a complaint about the unscrupulous fees and demand for a refund. as I was clear about what I could afford ( XXXX ). To date, no one from XXXX has ever returned my call for a response. I have talked to a XXXX ; Mo ; XXXX ; XXXX, XXXX and other salesmen who answer the phone then pretend to transfer me to another line as if someone was going to address the issues. What's more, I learned that XXXX XXXX made over XXXX attempts to get me financed with a lender ( in which my credit report was hit with XXXX hard inquires ). Finally, Flagship Credit Acceptance LLC ( XXXX ) was the lender who had agreed to the sale with these stipulations : APR of 28.05 ; and {$490.00} as the monthly payment for 5 years. When I contested the excessive interest rate with the XXXX of XXXX - his response to his company 's predatory loan practices and XXXX XXXX unethical sales tactics by the dealership was " you signed the contract ''. Then, in early XXXX, it was discovered by a XXXX dealership in XXXX ( XXXX, XXXX ) that the XXXX was " loosing oil '' and drove quite rigid in which the XXXX dealership thought the XXXX was unsafe to drive when the leakage could not be determined. Therefore, I attempted to call XXXX XXXX XXXX Department with XXXX on hand to communicate the problem so that XXXX could honor the 3 month warranty.it had agreed to. However, the service manager claimed that if it appeared that engine problems were presenting because neither the oil light or engine light came on to let me know that no oil was in the car- XXXX was not going to honor the warranty even after XXXX provided a XXXX report of the vehicle which showed a camshaft and valve replacement was performed on the car back in XXXX. Again, I tried multiple times to contact the XXXX, XXXX XXXX, NO RESPONSE by anyone. Finally. on XX/XX/XXXX,, I returned back to XXXX to get an appraisal on the XXXX because reports XXXX had obtained indicated that the XXXX was in fact a salvaged vehicle.afterall. And, that was never disclosed to me by XXXX at the time of sale. Also, XXXX estimated that the XXXX is only valued at {$6000.00} with the current {$100000.00} miles and a possible engine problem due to prior defects that resulted from a previous accident and prior open recalls. Moreover, it is also estimated that by the time the car is paid for- I will have paid over {$30000.00} for a car that XXXX knew from onset was a lemon!
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| 10/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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XXXX XXXX XXXX and FLAGSHIP CREDIT ACCEPTANCE are in violation of 15 USC 1681b. These companies have never had permissible purpose or written consent to report anything on my credit report. I was never informed or had disclosure to OPT out of having my personal and private information abroad allowing each of these businesses to utilized my consumer credit. However they choose to do so without communicating with me. I had no knowledge of my private and personal information being sent all over third party thresholds one after the other which has been detrimental to me for many months. XXXX XXXX XXXX has charged off the alleged debt and has tried to have a tow company try to steal my property while occupied on XX/XX/2022 under repossession. The debt was canceled since XX/XX/2022 and they then tried to come after me for the debt that they have charged off and have submitted paperwork to the IRS for the write off. I have learned that any debt canceled by a creditor for {$600.00} or more, the creditor must send out to the debtor a 1099C ; which has not happened.
On XX/XX/2022, FLAGSHIP CONSUMER sent a tow company, XXXX XXXX, to steal my property while occupied at my residence under repossession. XXXX XXXX does not have a contract with me. Therefore, it is theft by taken by XXXX XXXX who was hired by XXXX XXXX XXXX. Under the law, the liability of a financial institution 15 USC 1693H is a violation as they both are institutions. Both companies gave my private and personal information to a third party who I do not have a contract with which goes against law 15 USC 6802 Obligations with respect to disclosures of personal information. A financial institution may not disclose nonpublic personal information to a non-affilliated third party.
I also informed the driver of the tow truck, that he has breached the law on repossession being that the police was called. I informed the driver that I did not have a contract with XXXX XXXX and the repossession was not peaceful. The tow truck driver continuously jacked the car higher and higher in the air to disable me from the vehicle. I explained to both the tow truck drivers and the police officers that this is a non-judicial order ; which means there was no order from the judge to take possession of my property.
Both contracts are not enforceable due to fraud ; which fraud has no limitations 15 USC 1692g. Per the law, 15 USC 1692F ( 6 ) taking or threating to take any nonjudicial action to effect dispossesion or disablement of property. Both XXXX XXXX AND FLAGSHIP CREDIT ACCEPTANCE were sent other instruments of payments which neither company did not return. Both companies were sent affidavits of rescission and affidavits of truth which neither company responded within the 30 days and was given a final 14 days to CURE after FRAUD had been identified in both contracts ; neither company responded with a line by line affidavit of rebuttal. A non-rebuttal affidavit stands as consent. A statement is not a affidavit of truth. 15 USC 1662 a down payment is illegal, 15 USC 1681 eb a charge off is illegal, 15 USC15 1635 RIGHT TO RESCIND ANY CONTRACT per the IRS income does not get reported on a consumers report 15 USC 1681B NO ONE HAS PERMISSIBLE PURPOSE Per the FDCRA the No parking Rule 1006.3 ( a ) 18 USC 10289a ) Aggravated Identity Theft 15 USC 1681s Responsibilities of Furnishers of Information 15 USC 1681q obtaining information under false pretense, XXXX XXXX and FLAGSHIP CREDIT ACCEPTANCE gave a third party my personal and private information and then the third party of XXXX XXXX approached my occupied vehicle and tried to steal my property away 34 CFR 685.215 FALSE verification student ELIGIBILITY I am informing your office that I am the only signer on each of my vehicles. I do not have a contract with XXXX XXXX or FLAGSHIP CREDIT ACCEPTANCE. I have already pointed out the FRAUD to each of these Financial Institutions concerning the fraud which a contract is not enforceable, binding or complete without two signatures. I never sat down and did a contract with XXXX XXXX OR FLAGSHIP CREDIT ACCEPTANCE but they continue to willfully ignore me and the laws. Each Contract was rescind as well as ignored. A Conditional Acceptance has been ignored and also there is a {$50000.00} lien that has been placed on each of these vehicles, I am the only lien holder for each vehicle. I have a certified copy of my UCC11 indicating their is no liens on any of my property.
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| 10/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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You have written off this charge off debt. Your reporting this debt to XXXX, XXXX, and XXXX. Flagship is committing tax fraud. Flagship is in violation of 15 usc 1681E ( B ) I am requesting a 1099C so I can do an audit on FLAGSHIP COMPLIANCE. I will be reporting this to the IRS.
15 US CODE 1666 - CORRECTION OF BILLING ERRORS 15 USC 1681B- PERMISSIBLE PURPOSE OF CONSUMER REPORTS In accordance with the Fair Credit Reporting act FLAGSHIP CREDIT ACCEPTANCE has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT.
SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I am a natural person, I am a living human being, I have the rights under 15 USC 1681 FLAGSHIP CREDIT ACCEPTANCE is govern by 15 USC
1681. They violated my rights numerous of times. I demand the accounts listed below be remove because According to 15USC 1681 : I have the rights to privacy and did not give FLAGSHIP CREDIT ACCEPTANCE written permission to furnish these accounts.
15 USC 1681 E ( B ) FLAGSHIP CREDIT ACCEPTANCE never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. FLAGSHIP CREDIT ACCEPTANCE stated my account was properly investigated but how is that possible if I never gave FLAGSHIP CREDIT ACCEPTANCE written consent to use my personal information or social to open any of these fraudulent accounts.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about these fraudulent accounts. I don't have any closed accounts with FLAGSHIP CREDIT ACCEPTANCE. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. FLAGSHIP CREDIT ACCEPTANCE stated it was properly investigated but how is that even possible if XXXX XXXX DID NOT GET ANY WRITTEN SIGNATURE OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with FLAGSHIP CREDIT ACCEPTANCE. I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave FLAGSHIP CREDIT ACCEPTANCE ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THESS ACCOUNT. THIS ACCOUNT IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THESE FRAUDULENT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY ACCOUNT WITH FLAGSHIP CREDIT ACCEPTANCE. THE DOCUMENTS, BANK STATEMENTS, PHONE NUMBER AND ADDRESSES DO NOT BELONG TO ME AND IS FRAUD. I HAVE NEVER WORKED AT XXXX XXXX XXXX XXXX, FALSE PAYSTUBS, I HAVE NEVER LIVED AT XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. I DON'T HAVE ANY BANK ACCOUNT WITH TD BANK. THE SALE CONTRACT HAS SOMEONE ELSE SIGNATURE. I CAN SHOW A JUDGE THIS ACCOUNT IS FRAUDULENT AND YOU VIOLATED MY RIGHTS AND THE FCRA IN MANY WAYS.
|
| 09/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Copy of Sent Documents to Flagship Credit Acceptance LLC that they never responded lawfully to, as they should have ( tracking number XXXX ) with USPS which was delivered at XXXX on XX/XX/, to XXXX XXXX at Flagship Credit Acceptance XXXX XXXX , XXXX XXXX XXXX XXXX , PA XXXX Debt Validation Letter ( Send via certified mail, return receipt requested ) Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Flagship Credit Acceptance LLC XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , PA XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPLE AND NOTICE TO PRINCIPLE IS NOTICE TO AGENT RE : Account # ( XXXX ) To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 10 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor ( Wet Signature ).
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
All provided documentary evidence from the public and the private side of alleged Account according to GAAP.
Please provide the name and address of the bonding agent for Flagship Credit Acceptance LLC in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards XXXX XXXX XXXX cc : Federal Trade Commission Complaint Department
|
| 09/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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Flagship Credit Acceptance violated federal law by using my vehicle for their loan for XXXX notes.
2. Application for notes by Federal Reserve banks Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed by a member bank of any Federal Reserve district and purchased under the provisions of section 14 of this Act, or bankers ' acceptances purchased under the provisions of said section 14, or gold certificates, or Special Drawing Right certificates, or any obligations which are direct obligations of, or are fully guaranteed as to principal and interest by, the United States or any agency thereof, or assets that Federal Reserve banks may purchase or hold under section 14 of this Act or any other asset of a Federal reserve bank. In no event shall such collateral security be less than the amount of Federal Reserve notes applied for. The Federal Reserve agent shall each day notify the Board of Governors of the Federal Reserve System of all issues and withdrawals of Federal Reserve notes to and by the Federal Reserve bank to which he is accredited. The said Board of Governors of the Federal Reserve System may at any time call upon a Federal Reserve bank for additional security to protect the Federal Reserve notes issued to it. Collateral shall not be required for Federal Reserve notes which are held in the vaults of, or are otherwise held by or on behalf of, Federal Reserve banks.
[ 12 USC 412. As amended by the acts of XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XX/XX/XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XX/XX/XXXX ( XXXX XXXX. XXXX ) ; XX/XX/XXXX ( XXXX XXXX. XXXX ) ; XX/XX/XXXX ( XXXX XXXX. XXXX ) ; XX/XX/XXXX ( XXXX XXXX. XXXX ) ; XX/XX/XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; XX/XX/XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ; and XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). ] Flagship Credit Acceptance used commercial paper to submit my application which makes this an unsecured debt obligation and the repossessing of my vechicle was ILLEGAL.
Flagship Credit Acceptance LLC transferred my note to Flagship Credit Acceptance XXXX XXXXXXXX XXXX to deposit which means Flagship Credit Acceptance LLC lost the right to my note and the right to repossess which makes this collection attempt ILLEGAL.
XXXX. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.
( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.
( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.
( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
To transfer securities Flagship Credit Acceptance XXXX XXXX XXXX agreed to discharge securities per the terms of the Securities Exchange Commission.
Creditors can not collect discharged debts.
|
| 03/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On or about XX/XX/2023 my car XXXX infinity was taken by a company called XXXX XXXX to a tow yard located in the city of XXXX XXXX, Texas I was advised that Flagship credit had requested the car be collected. I do not have an account with Flagship credit I do not have a debt with Flagship credit. I have reached out to Flagship credit I spoke with XXXX, XXXX and XXXX whom are all collection managers XXXX being the head of the department XXXX which I left a voice mail I have provided the XXXX and written statement on XX/XX/XXXX, XXXX, XXXX and again on the XXXX advising I am the owner of the car and have no debt with Flagship. Flagship has continued to force this account on me. Flagship is holding my property and will not closed this account. In the reply from Flagship ; Flagship attached documents that I have never seen it looks made up because I never signed a agreement with Flagship to add to that Flagship sent me a Adverse Credit reaction Flagship does not lend to person without a valid license, my license were suspended indefinitely until XX/XX/2023 it is Flagship policy not to lend to person without license https : //www.flagshipcredit.com/customer-center/ per there policy for lending requirements. I am not exactly sure how I would enter into an agreement with Flagship because they would not finance me. My dealing was strictly with the dealer only I suggest Flagship to recover any funds from the dealer if indeed funds were paid out on my behalf. I had the car nearly a year Flagship started reporting to my credit in XXXX and was deleted from my credit in XXXX. I have talked to an attorney whom advise me this was a civil matter because Flagship state they perfected the lien its my understanding a lien can not be perfected if the lien holder was never on the XXXX. I would like Flagship to provide real proof that XXXX XXXX XXXX enter into an agreement with Flagship as stated.
I stated in this complaint that I never enter into an agreement with Flagship only with the dealership who sent me the title to the vehicle I later sent a email to thank the owner. I have never enter into an agreement with flagship which I have repeatedly stated. Flagship denied me twice which is documented. If there is a dispute flagship should take it up with the dealership by collecting there funds. I have never signed any agreement with Flagship, if there is a contract it is fraud and I will report it as such. Flagship does not lend to individuals with license so how could I have a contract with flagship? Isn't it stated that Flagship does not lend to anyone with license? Please provide your policy or terms when one want to take a loan from flagship, please highlight and make it clear that you do not lend without license as stated.
This is important because it proves that XXXX XXXX and Flagship could have never had an agreement nor contract. Please attach that information to this compliant as requested. I believe you all have made the mistake of fraudulently conjuring up a contract in order to fit the idea of us being in agreement however your fight is with the dealer is any fight at all. From this point forward I am filing a lawsuit against Flagship as you have cost me emotional and financial damage with stress beyond measure. I look forward to hearing back with this information, I also ask that you request your funds back from the dealer and return the car to the dealer as I will work with them on returning the car.
I also want to mentioned that it was stated that the XXXX was perfected however in order for this to be done I would have to have been in agreement in some sort of contract with Flagship which I have never been in any agreement with Flagship my business was only with the dealer. Your contract is fraudulent and the courts will agree.
As you are aware this car was giving in XXXX and no payments were ever made to flagship this is because I had no duty to flagship to pay the car was mines I even took out a title loan from a second car. It was until XXXX that Flagship so perfected the lien on this account. This is purely some sort of corruption going on with flagship that need a investigate by the Attorney General etc maybe other corruption is going on within the company. Thank you look forward to your response XXXX, XXXX XXXX
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| 06/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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My car loan is held by XXXX XXXX XXXX. The company requires payment through XXXX XXXX ( though subsequently has expanded payment options - which does not help my current situation ). Three consecutive payments were made via XXXX XXXX, as follows : XX/XX/XXXX : {$650.00} XXXX XXXX XXXX XXXX XX/XX/XXXX : ( Believed to be {$650.00}, though the receipt has faded ) XXXX XXXX XXXX XXXX ) XX/XX/XXXX : {$950.00} XXXX XXXX I also am experiencing an issue with a money order I mailed to them, which was confirmed via USPS Tracking to have been received by XXXX XXXX " Mailroom ''. The money order was in the amount of {$200.00}, and was received by them in XX/XX/XXXX. I have received conflicting advice from XXXX representatives. I have been told to report the item as missing to the issuer ( which will end up costing me approximately {$25.00} to resolve, and will take more than $ 30 days ).
Though I correctly filled out the XXXX XXXX payment forms, the payment agents at XXXX incorrectly entered the account number to which the payments should have been applied. Thus, the payments were not applied to my account.
XXXX XXXX advised that I needed to contact XXXX XXXX to revise the incorrect account number so that it could be applied to my account. The XX/XX/XXXX was resolved after many phone calls. However, the XXXX and XX/XX/XXXX payments remain unapplied to my account. XXXX continues to claim that my account is more than ( 60 ) days past due, though I have provided them with documentation of each transaction, demonstrating that the payee is indeed XXXX XXXX payment processor ( XXXX XXXX XXXX ). The XXXX representative I have been working with has acknowledged that my payments were received, but that they can not be applied until XXXX XXXX authorizes the account number change.
I have contacted XXXX XXXX numerous times. According to the XXXX XXXX agents, their process is to reach out to the payment recipient ( in this case, XXXX 's payment processor " XXXX XXXX XXXX '' ) and the recipient is given ( 48 ) hours to respond, by either directing that the account number be revised, or to deny receipt of the funds. XXXX XXXX 's tracking system demonstrates that the payments were received by XXXX XXXX, but have not been applied to my account.
XXXX XXXX claims that XXXX XXXX does not respond to their requests. XXXX offers to open a " research ticket '' every time that I call, but this has thus far yet to prove successful.
XXXX has been calling my family members, causing great distress to them and to my relationships with them. When I asked why, they said it was an attempt to help me, and that I had provided them directly with my family members ' contact information, which is false. I requested documentation of this alleged disclosure, which they refused to supply. My father directly told them to stop calling him, yet they still do, sometimes multiple times per day.
My alleged lack of payment has been reported to the credit bureaus, though I have provided documentation to XXXX that payments were made ( albeit occasionally a couple of days late, which is my fault ), and XXXX representative XXXX XXXX has acknowledged that I have made the payments. I frequently receive more than 10 calls per day from XXXX, with their representatives demanding immediate payment, despite acknowledging extensive notes in their system as to the circumstances.
XXXXXXXX XXXX/XXXX will not respond to XXXX XXXX 's attempts to rectify the matter. XXXX XXXX refuses to return my funds. My credit report reflects a 60+ day default on the loan. As of XX/XX/XXXX, this will roll over to a 90-day default.
I have done everything in my power to resolve this. I have made my payments on a monthly basis, and am not in default by >60 days. XXXX XXXX refuses to return my funds. XXXX refuses to credit my payments. I am being harassed many times per day by XXXX, demanding payment. I have spent what aggregates to days trying to resolve this matter, and have come to realize that I can do nothing else to resolve, and neither XXXX XXXX nor XXXX seem to be working to resolve the problem. XXXX is confirmed to have received more than {$1500.00} of my hard-earned dollars, but through their failures, will not return the funds to me or credit them to my account.
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| 08/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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- In XXXX of XXXX, we moved from XXXX to XXXX for new opportunities. The State of Florida is a title holding state and will only allow you to resister a vehicle if they have the title. Around XXXX or XXXX of XXXX we called Flagship Credit Acceptance and told them we needed them to send the title to our vehicle ( XXXX XXXX ) to the Florida DMV so we can register it. They advised they would send an email request to the title department because no was there due to Covid. Everything was closed at this point due to Covid so no follow up with Flagship was for a while and they stated they would email the Title Department and send the title. We would register when everything was back open.
- XX/XX/XXXX, I received a citation for expired tags on the XXXX XXXX. A {$10.00} non moving violation, with 30 days to register the vehicle. The FL DMV has not received the title at this point. A new request was made to Flagship Credit Acceptance via email on their webpage to send the title to the FL DMV. They responded they could not discuss over email. A call was then made to Flagship and a new request was made again, to send the title. They advised they would email the Title Department and take care of it.
- XX/XX/XXXX, the FL DMV still has not received the title and the vehicle remains without current registration. On XX/XX/XXXX, a new email was sent to the Flagship with an attachment containing the paperwork from the FL DMV for Flagship fill out if they needed it. On XX/XX/XXXX, I was pulled over by the police in another vehicle XXXX own and was told my Driver License was suspended. The suspension is due to not registering the XXXX XXXX and not paying the fine. A fine that I can not pay without current registration and now have to pay hundreds of additional dollars in fees to get my Diver 's License reinstated.
- A call was made to Flagship on XX/XX/XXXX and was told a new request to the Title Department would be made and expedited due to the situation. We were also told, that our payment due would be deferred since we we had to pay fines and confirmed our next payment would be due XX/XX/XXXX - XX/XX/XXXX A follow up call was made to Flagship to make sure the title was sent and spoke to a supervisor. We were advised again, only a request was sent to the Title Department with no confirmation and that a payment was due. I was upset with Flagship at this point. The supervisor then told us he had spoke to senior management and the Title manager. I was told and guaranteed the paper title would be sent to the FL DMV via over might mail that day. The title would be in the possession of the FL DMV no later than Tuesday XX/XX/XXXX.
- On Thursday, XX/XX/XXXX, a call was placed to the FL DMV and we were told they still do not have the title and cant register the XXXX F XXXX. A call was placed again to Flagship on XX/XX/XXXX and was told the deferment was not approved. Another all was then made to a supervisor. The supervisor then stated only a request was sent to the Title Department and there is no confirmation the title was sent. He also advised the deferment wasn't approved and there was nothing they could do. I tried to get him to do something, anything, but he said there was nothin they could do. I advised to have the senior manager XXXX XXXX call me and hung up. I then sent XXXX XXXX an email via XXXX advising of the title issue and to reach out.
-Later that day on XX/XX/XXXX, I received a call from XXXX XXXX XXXX my cell phone. I went over the entire story and told him we are not paying anymore until the title issue was resolved and the vehicle was registered. He confirmed only a request to send the title was made via XXXX and no confirmation it was sent to the FL DMV. XXXX stated he understood and would me back first thing Friday morning. I told him I had no intention to file any complaint if he would resolve this. To this day, XXXX or anyone at Flagship hasn't called and the title ... .. still hasn't been received by the FL DMV and the XXXX remains without current registration and I remain without valid Driver 's License. Copies of emails and proof of tickets are available upon request
|
| 08/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a.
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.
XXXX XXXX XXXX can not collect on a discharged debt. Per the IRS since this is a discharged debt it is now considered a certificate of indebtedness which is income and can not be reported.
Any balance over {$1.00} has to be refunded to the consumer. I am now requesting XXXX XXXX XXXX to refund the entire portion of my consumer account due immediately.
XXXX Treatment of credit balances ; account termination.
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
( b ) Account termination.
( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.
( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
( c ) Timely settlement of estate debts ( 1 ) General rule.
( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner.
( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account.
( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner.
( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely.
( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ).
( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
|
| 07/17/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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This is the second cfpb complaint that I had to make. After the first complaint they assigned a representative to my account by the name of XXXX . The first complaint Flagship Credit Acceptance did n't fully address the issues. They wo n't address the abusive, deceptive, threatening behavior that was done to me and that is currently going on now. Like now for instance it has been several occasions that the sign representative XXXX was unavailable or hadnt called me back and I had to call in basically the representatives they berate me, hang up in my face or they raise there voice at me almost all the time. I really would like to know why is Flagship singling me out. It has got to a point that they were treating me so badly that Flagship automatically placed a cease-and-desist on my account without me making the request. It became so unbearable that I asked if I can pay a lesser amount and pay the account off earlier than the maturity date so I can move pass this. The amount flagship decided I did n't agree with and I asked how was the amount determined. I found out that management was deciding factor on the settlement amount. The same management team that threaten me. I expressed to flagship on several occasions that I felt as if it was a conflict of interest that the management team was a deciding factor when it was the management team that threaten me with the police. They did n't acknowledge it. They even escalated my account to a director by the name of XXXX XXXX and he ultimately agreed with Management on the amount of settlement however at a later time he admitted he did n't thoroughly review my account and he was n't well educated in regards to the account. The last Arrangement was made that I will pay {$1400.00} on XXXX XXXX and I will pay the remaining balance {$600.00} before XX/XX/XXXX I did set up a payment for {$600.00} on XX/XX/XXXX however today XX/XX/XXXX I called in to modify the payment for XX/XX/XXXX and I was berated and verbally abused again and hung up on for no reason. I talked to XXXX first and she let me know that they no longer wanted her to discuss my account with me so she transferred me over to customer service. I talk to a representative in customer service that told me that the only way that I can modify or cancel a payment is if I talk to a manager she than transfer me over to a manager by the name of XXXX in customer service he came to the line and asked me what was the reason for me changing my payment I told him because I wanted to change the payment amount he raised his voice and say '' you do n't take that attitude with me if you want me to help you you better be nice to me or I 'm going to hang up in your face ''. I asked why was he talking to me like that. He hung up. I call back in and got another representative in customer service. I asked the representative why do Flagship treat me like XXXX when I call in. The representative States because of the language you 're using and implying that we treat you like XXXX I will hang up in your face. That representative transferred me over to a team lead by the name of XXXX I told her that I was only calling in to modify my payment and if it cant be modified to cancel the payment that was set up for XXXX XXXX she told me that she sent an escalated email to XXXX XXXX . I said I only want to change my payment. I said I ca n't wait days for someone to call. I asked why do flagship treat me so badly. She states " because your implying we treat you badly, I 'm not going to call you out your name XXXX , There is nothing else I can do but I will hang up in your face ''. This is the behavior I 'm encountering everytime I call in almost I feel as if I 'm being singled out as if my account is flagged to be abusive deceptive and to treat me unfairly however in my last complaint last year XX/XX/XXXX I 've already put in there I 've worked with some of these people at a prior at a previous job I really want to know why they treated me so badly at this point.
|
| 09/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
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Web |
Servicemember |
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I took on my mothers car note on the 2018 XXXX XXXX because she couldnt pay it. I have communicated my reasons with Flagship for being late on my payment each month and have made payment arrangements each month with no reports of late payments. In XXXX when I called to do the same thing, the rep introduced me to an extension option. After listening to the recording, I asked additional questions to learn how the extension would benefit me. After learning that placing two late payments for XXXX and XXXX at the end of my loan would bring me to current when I made my next payment, I agreed to do it. The rep told me to look for an email where I would have to submit an electronic signature. This call was around XX/XX/XXXX. Around XX/XX/XXXX I checked back to check my status to ensure they received what they needed from me. They stated they received it and that it takes 72 hours for processing. I made a payment in XXXX that went towards my XXXX payment, and as far as I knew, everything was done and I was current, and that my XXXX payment would be for XXXX. Because I am actively monitoring my credit because Im trying to improve my score, I immediately caught an XXXX point decrease from Flagship for a late payment in XXXX, which was one of the two payments that was supposed to go to the end of the loan! I called Flagship around XX/XX/XXXX and reached a rep named XXXX. After explaining it all to her, she looked back in the recording history and told me that the previous rep DID NOT inform me to look for two separate emails since both my mother and I are on the loan. She said they have to check a box to reflect whether or not all of the important statements were made to the client and that box was not checked by the previous rep. She walked me through the process again and I have since been approved for the extension. But now there really is no need for the extension because they reported me as late anyway for one of the months that they claimed they were moving to PREVENT IT FROM REPORTING AS LATE! I have tried calling Flagship on several occasions and Im constantly told that there are no supervisors or managers available ANYWHERE to talk to.
Somehow I was transferred to the manager in Collections on XX/XX/XXXX and he understood my argument but was unable to do anything about it because that wasnt his department. I filed a dispute with XXXX, and Flagship reported that the late report was accurate. I cant reach anyone in Flagship that can explain to me why no one told me to complete a second form when I was actively calling to ensure they had what they needed from me. Why would I complete one form but intentionally fail to complete the process with the other form when my sole purpose was to keep my account positive?
From what theyve done now, I could have just stayed in the position I was in and just called them every month and made arrangements until I got caught up with the payments. They did not fulfill the expectations designed in the extension. They refuse to talk to me. They refuse to give me any documentation to prove that they failed me. And they refuse to overturn their blunder of reporting me as late when I did my part according to the information their initial rep gave me. You can look at my credit reports and see that Ive had a group working on my credit trying to remove what could be removed so I can start paying off what I need to pay off. So if Im actively working on my credit, I wouldnt have INTENTIONALLY not completed the extension requirements that were designed to HELP my credit efforts.
Can you reach Flagship and have them go through their interactions with me beginning in XXXX? And can you force a supervisor to contact me please? Im trying to improve my credit so I can refinance this loan for a better APR so I can pay my moms car off. And now I really want to get from under Flagship because I dont trust them as a company anymore. They have failed me and I am extremely disappointed.
Thank you so much in advance.
|
| 05/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I purchased a pre-owned vehicle in XX/XX/XXXX through a car dealership and my loan was financed through XXXX XXXX XXXX. Each month, I made payments on my loan, on time, and for more than the minimum payment, in an effort to pay my loan off early. In XX/XX/XXXX, I received a statement saying I owed {$0.00} for the month, and called the company to inquire. I was told that, because I had been making payments for more than the minimum, I had paid my loan to the point that I had no payment due that month and was actually ahead in my loan. I continued making payments through the end of XX/XX/XXXX and early XX/XX/XXXX - some months even sending more than one payment, again, in an effort to pay my loan off early.
In XX/XX/XXXX/XX/XX/XXXX, I began receiving daily phone calls from the company, telling me that I was behind on my payments. I told them there was no way I could be behind, because I send payments consistently each month, and was informed at this point that they had applied another customer 's payments to my account in error on multiple occasions ( 5 times in total through the life of my loan ). They informed me that the {$0.00} statement I had received was a mistake, and accused me of intentionally not making my payment, and accused me of knowing that the incorrect payment was not mine, even though I informed that this was the first I had heard about incorrect payments on my account.
In late XX/XX/XXXX/early XX/XX/XXXX, myself and my son called the company to walk through my account history line by line to account for all payments, and at this time a complaint was opened with the company 's complaint department. Even during these discussions, I was receiving daily collections calls, multiple times each day, and was being accused of knowingly not paying, and being deceptive. I feel I was harassed and that they were using abusive techniques to get extra payments out of me.
My son and I spoke to two separate representatives, and each time we walked through my payment history, they agreed that I was making consistent payments, and they clearly saw that something wasn't right with how my payments were being applied.
We downloaded my payment history and saw that, not only were there incorrect payment being applied to my account, but were shocked to see that for most of my payment from XX/XX/XXXX to XX/XX/XXXX, the majority of each of my monthly payments was going towards interest, and in some cases, entirely to interest and not to principle.
The loan was supposed to be 15 %, and as recently as XX/XX/XXXX, I made a {$480.00} payment in an attempt to stop the harassing calls, but saw they applied {$400.00} of my {$480.00} payment to interest. My loan was for {$10000.00} and over the last two years, I have paid over {$2700.00} in interest, and only {$2000.00} in principle.
In early XX/XX/XXXX, my son and I spoke to another representative, who agreed that my account needed to be reassessed and advised me that she was going to speak to the complaints department about my account, and that I would not be receiving any collections calls while the account was being researched. I received a call several days later in follow up, and the representative completely changed their tune. They told me I was behind on my account and accused me again of knowingly not making payments on my account, even though my son and I had just walked through each payment with them the week prior. During all of this, the collections calls did not stop.
I feel this company is using deceptive practices, applying payments in a deceptive way, and using abusive techniques to verbally harass and scare people into making payments unnecessarily. There also appears to be illegal activity in the application of payments towards interest vs. principle.
I want to file this complaint in the hopes someone will advocate on my behalf and help me have each and every payment reapplied correctly, be refunded the interest so the balance of my loan reflects correctly.
|
| 10/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
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I was involved in a car accident on XX/XX/XXXX that resulted in my car being totaled. I contacted Flagship Credit on XX/XX/XXXX to inform them that my insurance company ( XXXX ) had declared my car a total loss. At that time, I was told ( by a Flagship rep. ) the payoff for my vehicle was approximately {$18000.00}. Fast-forward ... On XX/XX/XXXX I contacted Flagship requesting an update on why my vehicle wasn't paid off yet. I was told by XXXX that they had not yet received payment from XXXX. I immediately contacted ( same-day ) XXXX to see if they had sent a check to Flagship. The XXXX rep. said a check had not yet been processed, but that he would take care of the issue today. He put me on hold so that he could speak with someone from Flagship. After the XXXX rep. spoke with Flagship ( XXXX ), he came back on the line and said the Flagship rep advised the payoff amount was {$19000.00} and that this amount was good for 10 days ( XXXX XXXX, XXXX ). Fast-forward ... I contacted Flagship on XX/XX/XXXX & XX/XX/XXXX to check the status of my car being paid off. I was told each time the check had not been received. Finally, on XX/XX/XXXX, Flagship posted a payment to my account in the amount of {$18000.00}. I was baffled by this posting because they received a check for {$19000.00}, which means I should be due a refund of {$240.00}. When I called Flagship and spoke with XXXX, she told me my car was paid off but that I wasn't owed a refund. I then explained to her that the check Flagship received was for {$19000.00} and that according to my online Flagship account, my car was paid off in the amount of {$18000.00}. She then said she would have to send a e-mail to " some '' other dept. for further review. I asked her would she copy me on the email, and she got very upset and asked for my email address, and then when I asked to speak with a manager, she said no one was available. As of date, I have not received an email as promised by XXXX. Fast-forward ... On XXXX, I e-mailed XXXX XXXX at Flagship and asked about my refund for $ XXXX.She never responded, so on XXXX, I sent her another e-mail asking about my refund. She e-mailed me back and said a check was being issued for {$240.00} and that it was going out in the mail the same day. Fast forward ... As of XX/XX/XXXX, I have not received a refund check. I have spoken to several different people ( XXXX, XXXX, XXXX, XXXX, and XXXX ), and they all have different versions of about my situation. One rep said the check was mailed to my XXXX XXXX , but another rep said it was mailed to my physical address. They all said the check was mailed XXXX. So I told them I had not received them and then I asked for a copy of the check and the check number. I was told they would have to forward my request to their accounting department and that someone would call me back. I called back XX/XX/XXXX and was told they are waiting on a response from their accounting dept. I then asked to speak with a manager and was told that he had just left. I told the guy he was lying, and I demanded to speak with someone in charge. A lady ( XXXX ) came on the phone and could not verify whether the check was processed or mailed. I then asked her to give me the check # and date. She said she didn't have access to that information, which is A bunch of BALONEY! I don't trust this company. They have a plethora of negative reviews that mimic my circumstances. Check out this site : https : XXXX. This company has been sued for robocalls and settled for $ XXXX. Enough said! And finally, the payoff letter ( attached ) does not reference the $ amount my car was paid off at, and it also does not show the $ amount of the check they received from my insurance company. This way of accounting show a lack of best practices in the business world. This company is crooked and they are getting away with ruining people 's lives and credit just to make a buck. Well, the buck stops here!
|
| 12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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I hope this letter finds you well. I am writing to formally dispute the accuracy of information present on my credit report. I kindly request a comprehensive investigation into the following accounts : Hard Inquiry Name : Flagship Credit Acceptanc Hard Inquiry Name : XXXX XXXX XXXX XXXX Hard Inquiry Name : XXXX XXXX Hard inquiry Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiry Name : XXXX XXXX XXXX XXXX Hard inquiry Name : XXXX XXXX XXXX Hard Inquiry Name : XXXX XXXX Hard Inquiry Name : XXXX XXXX Bank Hard Inquiry Name : XXXX XXXX XXXX Bank I am aware of the provisions outlined in the Fair Credit Reporting Act, specifically in 603, and recognize the exclusions mentioned under this section. Additionally, I am drawing your attention to the definition of a consumer report as per the Act, emphasizing its impact on an individuals creditworthiness and eligibility.
Furthermore, I would like to highlight the relevant sections of the Fair Credit Reporting Act under 6801 and 6802. I understand the obligations of the financial institutions regarding the privacy of customer information, and the limitations on the disclosure of nonpublic personal information to nonaffiliated third parties without proper notification and opt-out provisions.
In accordance with the aforementioned laws, I hereby formally request the removal of the disputed items from my credit report. Additionally, I would appreciate timely notification once these items have been successfully deleted.
I appreciate your prompt attention to this matter and anticipate a thorough and efficient resolution. Please find enclosed any supporting documentation relevant to this dispute. I look forward to a favorable resolution and thank you for your cooperation.
Fair Credit Reporting Act 603. [ 15 U.S.C. 1681a ] ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include subject to section 624, any report containing information solely as to transactions or experiences between the consumer and the person making the report ; communication of that information among persons related by common ownership or affiliated by corporate control ; or Communication of other information among persons related by common ownership or affiliated by corporate control, if it clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information not be communicated among such persons ; Fair Credit Reporting Act [ 15 U.S.C 6801 ] Privacy Obligation Policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Fair Credit Reporting Act [ 15 U.S.C 6802 ] Except as otherwise provided in the subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the customer a notice that complies with section 6803 of this title.
Opt Out ( 1 ) In General A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other for permitted by the regulations prescribed under 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can eyxcersice that nondisclosure option.
Thank you, XXXX XXXX
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| 07/09/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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This is my second time reporting XXXX XXXX XXXX XXXX. There is a balance of {$860.00} that reflects on XXXX/XXXX credit reports and {$860.00} with XXXX. I do not owe them any monies and this needs to be updated on all three of my credit reports to reflect a XXXX balance and that my loan with them was paid in full.
I had a car accident in XX/XX/XXXX and the vehicle was a total loss. The insurance company paid a cash value of {$7000.00} for the vehicle and GAP Insurance paid {$4200.00} which left a balance of {$1600.00}. Although I had the car accident I continued to make my monthly payments after the accident and after the insurance checks was sent to XXXX XXXX XXXX XXXX.
GAP informed me that I was due a cancellation refund of {$340.00} for the GAP insurance policy and this refund would come from the lender ( XXXX XXXX XXXX XXXX ). When I requested the refund from XXXX XXXX XXXX they would not refund the {$340.00}. They stated I need to get this refund from the dealership because the dealership did not send them the {$1000.00} down payment. If the dealership did not send them the {$1000.00} down payment that is not my fault because I paid the down payment and they shouldve collected their money from the dealership.
The GAP refund should be refunded by XXXX XXXX XXXX because the GAP policy payment is in my contract which my contract Is not with the dealership. I did not pay my monthly car payments to the dealership they were paid to XXXX XXXX XXXX.
XXXX XXXX XXXX sent me a letter stating I owe them {$950.00} which Is incorrect. I dont owe them anything because I made my monthly payments of {$400.00} and if they wouldve issued the refund for {$340.00} which would leave a balance of {$59.00}. The last payment of {$400.00} was not paid to them because they would not issue that refund that they owed me.
Also, I dont owe the {$59.00} because they were charging me outrageous late fees, when their late fees are {$20.00}. Sometimes I was charged late fees from $ XXXX {$190.00} plus dollars. When they added the late fees to my account although I was making monthly payments my principal was being inflated and not decreasing due to the APR. Sometimes I was charged a late fee when I was making my payments on time or paid extra towards my loan. When I questioned them again about the late fees in XXXX, they stated the late fees was charged to my account because they switched to a new system when they merged or purchased XXXX but they never refunded the late fees to my account. Im not a Finance Major, Mathematician or CPA but I know by them charging those late fees to my account was wrong.
If anything, they owe me money. Attached are a few statements reflecting their actual late fee is {$20.00} and the statements with the outrageous late fees which will show how my principal increased not decreased. They need to zero out the balance because this is affecting my credit and I cant get loans because this is showing as a debt that I currently pay This is my second time reporting this company for their bad business practices. They should be dealt with the same way as XXXX XXXX because they are doing the same things as XXXX XXXX when it comes to their auto loans with consumers. XXXX XXXX XXXX is the same. They do not issue refunds for cancelled GAP policies ( same as XXXX XXXX ), charging consumers late fees when they are making their payments ( same as XXXX XXXX ). Ruining consumers credit by reflecting/reporting inaccurate information on consumer credit reports ( same as XXXX XXXX ).
Attached are documents supporting my complaint : Copy of my Purchase Agreement Contract Down Payment receipt GAP Addendum/GAP Claim Calculation Claim Settlement Letter/Copy of Check Deficiency/Surplus Letter from XXXX XXXX Letters from XXXX ( 2 ) XXXX/XXXX Satements Bank payments from XXXX XXXX Credit Report Balance
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| 01/03/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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This complaint is about Flagship Acceptance XXXX, LLC and the predatory lending practices and being underwater with my vehicle loan. On XXXX XXXX, XXXX, I purchased a XXXX XXXX XXXX SV from XXXX of XXXX. The XXXX XXXX was not my first choice however, I did not want my payments to be no more than {$350.00} a month. When it was time to discuss the financing, the account manager claimed that Flagship Credit Acceptance was the best option for me. The total purchase price was {$19000.00} with a 13.49 % interest rate payments of {$390.00} per month with a 72 month loan term. I was told by the account and sales manager that after 6 months to 1 year they would help me with after 6 months. After 6 months of payments that began XXXX XXXX, XXXX, I asked the sales and account manager and was told they could not request financing because the XXXX XXXX XXXX is considered a used vehicle and to contact Flagship Credit Acceptance about refinancing. I was told by a representative that Flagship never changed the terms of the loan I applied with a credit union for refinancing of the XXXX XXXX. When I applied in XXXX XXXX, I was denied because the loan balance was higher than the vehicle was worth. In XXXX XXXX, I had major emergency XXXX and was out of work for a period of time. I contacted Flagship the end of XXXX XXXX to let them know that my payment would be late and I had major XXXX and was trying to catch up with my bills. The representative then asked me what body part was XXXX. I told the representative that this was a XXXX violation. The representative told me that per the supervisor there is a questionnaire for all clients 7 days late with their payment. On XXXX XXXX, XXXX, A complaint with the Consumer Financial Protection Bureau on Flagship Credit Acceptance and XXXX XXXX.was filed and. XXXX XXXX from Flagship Credit Acceptance responded to CFPB. I disputed XXXX XXXX 's response about the call that she was unable to locate. I left a message to XXXX XXXX and I received a call from the office of XXXX XXXX and was told they could not pull up the call and understood my frustration after listening to some of my calls. I explained that I was upside down in this vehicle loan because of the 13.9 % interest rate and I was requesting to lower the interest rate and monthly payment. The representative from XXXX XXXX 's office stated that she would have to submit the request to the underwriting/loan department. I received another call a few days later and was told that they agreed to lower the interest rate to 8 % and reduce the monthly payments to {$330.00} per month. On XXXX XXXX, XXXX I filed through my attorney Chapter XXXX bankruptcy. When I contacted Flagship to tell them when I was making my payment, I was transferred to the bankruptcy department. I asked the representative about the loan the value of the vehicle and was told that I already had an 8 % interest rate and Flagship would not go lower than that. I told the representative that I was hesitant of reaffirming with Flagship because if something happened to the vehicle, I would be responsible for the value of the loan of {$16000.00} and the value of the vehicle is much less than that. My Attorney received a reaffirmation agreement from Flagship agreeing to lower the interest rate from 8 % to 4 % and lowering the payment from {$330.00} to {$330.00} with a 60 month term. Then on XXXX XXXX at XXXX pm, I contacted Flagship on XXXX/XXXX/XXXX and was transferred to the bankruptcy department. The representative on the phone identified herself XXXX who yelled at me and said changing the loan is not happening.Flagship makes their money by their high interest rates making it impossible for customers to get out of their loan.
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| 07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. By obtaining my consumer report on XX/XX/XXXX, knowingly without any permissible purpose you are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with FLAGSHIP CREDIT ACCEPTANCE. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with FLAGSHIP CREDIT ACCEPTANCE for review or collection. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 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. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. I am requesting the General or specific certification that was sent to the consumer reporting Agencies! This request is being made pursuant rule 1002. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. I have been denied new credit, I have been denied increases in lines of credit because of your willful violation of the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 30 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
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| 09/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
Servicemember |
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On or about XX/XX/XXXX, XXXX XXXX XXXX accepted and processed a loan contract bearing a forged signature of my name for the purchase of a XXXX XXXX XXXX. I became aware of this account showing as a repossession of a vehicle that I never had possession of by XXXX XXXX during a background check for security clearance with the XXXX. I immediately contacted XXXX in writing via mail on XX/XX/XXXX requesting all documentation in relation to this account. I received documents from XXXX via mail on or about XX/XX/XXXX that were very unfamiliar to me. I also noticed that the contract they attached to the letter and were trying to hold me accountable for did not bear my signature. When looking further at the contract, I connected the dates to the co-signer credit application to XXXX XXXX XXXX for a vehicle on or about XX/XX/XXXX for XXXX XXXX XXXX. This application was submitted via fax from Georgia, which has been my duty station assignment with the XXXX since XX/XX/XXXX. I never visited this dealership. After further inquiry, it was found that without my consent, a contract containing my forged signature was submitted by XXXX XXXX XXXX to XXXX for acceptance of a loan and terms I had not reviewed or agreed to. In addition, I also noticed that my contact information to include my name and address were originally typed in the buyer section of the contract, but then a line was drawn through it and replaced with the contact information of XXXX XXXX XXXX, which included her phone number and address of XXXX XXXX XXXX XXXX XXXX TX XXXX. An address I have never resided at and a phone number that was not mine. I have never lived in the state of Texas. On XX/XX/XXXX, I also phoned XXXX XXXX XXXX at XXXX and was told I could direct all questions regarding documentation on a vehicle purchase to the business manager, XXXX XXXX. Via USPS Priortiy Mail, on XX/XX/XXXX, I sent a letter to XXXX at XXXX XXXX requesting all documents in reference to the purchase of the said vehicle. I received confirmation that this letter was delivered, but she has yet to respond to my request. On or about XX/XX/XXXX, I also filed a police report in XXXX via phone in reference to the matter, but was advised a couple of weeks later that the statue of limitations for this type of forgery had passed and no criminal charges would be pursued by their District Attorney. On XX/XX/XXXX, I submitted a complaint with the Texas OCC against XXXX XXXX in reference to this matter. On or about XX/XX/XXXX, I received a phone call from a person who addressed themselves as a XXXX representative from phone number XXXX in reference to Texas OCC complaint. I felt as if I was trying to be coerced into statements that were not true, so I sent a letter via USPS mail on XX/XX/XXXX advising XXXX to only contact me via mail or email in reference to this matter, as well as advising them that the I did not sign a contract agreeing to pay this loan. On XX/XX/XXXX, I was called by a person whom addressed themselves as a representative of the Texas OCC from phone number XXXX, the same number as the person who phoned me from XXXX 14 days prior. This person questioned how did XXXX XXXX have a credit application with my employment/income information, and I advised them that I applied for credit, but I did not sign any documents accepting any loan terms agreeing to the purchase of a vehicle. The Texas OCC complaint number is XXXX. I have also filed complaints against XXXX XXXX and XXXX with the Texas State Attorney General Office. I have also disputed the information to the three major credit bureaus in which XXXX still continues to report even though I did not sign a contract accepting a loan for the purchase for the vehicle.
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| 09/10/2021 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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The following allegation appears as a potential deviation of compliant reporting and or is questionable in its factual reporting, so please certify the confirmed compliant reporting of each aspect of this following claim that is proven to be undeniably true, physically verified as fully accurate, is adequately complete and timely as reported, and is else wise confirmed to comply with all requirements of regulatory reporting to include the mandatory adherence to the perfect and complete Metro 2 formatted compliant reporting or DELETE IMMEDIATELY : FLAGSHIP CREDIT ACCEPT -- XXXX XXXX XXXX FLAGSHIP CREDIT ACCEPT..
XXXX -- XXXX-XXXX XXXX-XXXX XXXX Account # : XXXX -- -- XXXX XXXX? XXXX XXXX?
XXXX High Balance : D -- -- $ XXXX $ XXXX XXXX Last Verified : D -- -- -- M -- M XXXX Date of Last Activity : D -- -- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Date Reported : D -- -- XX/XX/XXXX I XX/XX/XXXX XXXX XXXX Date Opened : D -- -- XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : D -- -- $ XXXX $ XXXX XXXX Closed Date : D -- -- -- M -- M XXXX Account Rating : Q -- -- DerogatoryQ DerogatoryQ XXXX, XXXX, XXXX Account Description :..
-- -- Individual.. Individual..
XXXX Dispute Status : D -- -- Account not disputedI Account disputedI - Creditor Type : .. -- -- Auto Financing.. Auto Financing..
XXXX Account Status : .. -- -- Closed.. Closed..
XXXX Payment Status : Q -- -- Collection/ChargeoffQ Collection/ChargeoffQ XXXX Creditor Remarks : Q -- -- Merchandise was taken back by credit grantor ; there may be a balance due.
Unpaid balance reported as a loss by the credit grantor.
I Consumer disputes- reinvestigation in progress Charged off account Q XXXX Payment Amount : .. -- -- XXXX XXXX
XXXX Last Payment : D -- -- XX/XX/XXXX I XX/XX/XXXX XXXX XXXX Term Length : .. -- -- 1 Month ( s ) .. 1 Month ( s )..
XXXX Past Due Amount : Q -- -- $ XXXX $ XXXX XXXX Account Type : U -- -- Auto Loan.. -- M XXXX Payment Frequency : D -- -- -- M -- M XXXX Credit Limit : D -- -- -- M -- M Page 4 of 7 XXXX INQ XXXX INQ XXXX INQ XXXX Two-Year payment history XXXX NONE REPORTED XXXX XXXX XXXX FLAGSHIP CREDIT ACCEPT XXXX is an unconfirmed reported alleged XXXX The above imaged item claimed, as reported, as displayed, appears to have at least one or more deviations from the requisite adhered to standard ( s ) for ethical and compliant reporting of such a claim. Per CDIA, any alteration of the standard makes potential questioning of the data claimed itself as its believability is suspect. Below noted is ( are ) indications suspected to be evidence of potential reporting deviations from the required certifiably compliant Metro 2 format Standard ( s ) : XXXX Date of Last Activity : D appears potentially deviant of the requisite lawful and ethical reporting standards and therefore the claims integrity is jeopardized per CRRG 3-4 Note : Please verify and validate all data for this unproven claim including ensuring the confirmation for the requisite certifiable Metro 2 Compliant Reporting Format Standard ( XXXX ) and processes related. Please REMOVE or PROVE if unable or unwilling to do so in a federally decided timely manner! OMITTANCE is NOT COMPLIANT, so Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!
***************************************************************************************************** Please Remove from reporting all unfavorable claims of and within this item here now officially challenged for documented confirmation of its certified compliance==>
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| 08/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Flagship Credit Acceptance is reporting this account as a charge off. Any account termination with a balance over a {$1.00} results in a refund to me the consumer.
1026.11 Treatment of credit balances ; account termination.
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
( b ) Account termination.
( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.
( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
( c ) Timely settlement of estate debts ( 1 ) General rule.
( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner.
( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account.
( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner.
( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely.
( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ).
( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
This debt has been discharged and considered a certificate of indebtedness which is income and can not be reported.
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| 01/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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My issues with this company actually goes all the way back to XXXX, when I purchased the vehicle I specifically requested that my due date be around the XXXX and not around the first, so that I would be able to make my payment separate from when Im normally paying rent. It took them almost 6 months to make that change and then they still put it on the XXXX, In the middle of pay periods More recently the same company has continued to process checks that I have issued stop payment on after I have notified them on numerous phone calls not to cash these checks because theyve been canceled. These are checks that I had processed through my banks bill pay system to automatically go out and my bank advised me to go contact XXXX XXXX and explain that they were canceled and not to process them because if they receive them and they still process them it would charge my account fees.
The reason I had to cancel these checks is because In XX/XX/XXXX I was given a deferment that I signed paperwork for. This deferment was processed to be effective through XX/XX/XXXXbut as my account would still accrue interest during this time I went ahead and processed payments as I was able toOn XX/XX/XXXX I had a phone call with an associate advised me that my deferment was processed in error and was not supposed to be through XXXX that it was only supposed to be through XX/XX/XXXXand that my account was past due. He stated I shouldve received paperwork confirming that. I did not receive documents correcting my deference. I signed paperwork processing my deferment through XXXX and thought my account was up-to-date. When I was advised that my account was past due, and that the deferment was filed in error and he advised that they ( XXXX ) were taking numerous phone calls about this and I wasnt the only one. I explained that since my account was now past due, I had to cancel all checks coming to them and would be making a payment on XX/XX/XXXXand to not try to process any checks that they may receive in the meantime because they were all going to be canceled. On XX/XX/XXXX they tried to process a payment And my bank charged me a {$29.00} nonsufficient funds fee, on XX/XX/XXXX they tried to cash check again, causing me aNother nonsufficient funds fee I have gone over and above in my communication with the XXXX XXXX to explain my extenuating circumstances between having identity theft, having an abusive ex who mismanaged my account in the beginning of my contract in XXXX, and then my disaster recovery with Harvey for a deferment only for them to then go back on that deferment and instead of giving me the deferment until XXXX telling me it was only until XX/XX/XXXXand putting my account past due. This is the second chance financier and they abuse their customers And grossly take advantage of our using their services to try to rebuild credit. I would like XXXX XXXX to be held accountable for their actions against me and anyone else that may be having these issues with them. I know I can not be the only one as they clearly stated on their own recorded line that multiple peoples deferment information was entered incorrectly and they were taking numerous calls. None of that shouldve resulted in all of the fees and the checks being process that I canceled once I realized that my account was past due.
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| 07/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Flagship Credit I have attempted to maintain contact with Flagship credit concerning my auto loan and delays in payment. I have made contact with them weekly to update them on the financial situation due to COVID-19.
When my car payment started to become late, I was offered a deferment but I decline because my payment was less than 30 days late. I asked if I could request a deferment at a later date and was told by the representative that I could do so. I had been filed for unemployment benefits and had hopes that I would receive those benefits prior to my next payment date. That did not happen.
I has able to scrape together payment for the account and contacted Flagship myself to make that payment. The payment was slightly above my regular monthly payment, but less than the total due. I asked for a deferment and was told there was no deferment available. This is contrary to what I was previously told by another representative.
I was also told there was no record of me contacting Flagship concerning the loan. This is completely false. As I have spoken with 4 different representatives ( 2 male, 2 female ) within the last 30 days in calls I initiated.
I am within 1 year of completing my loan and Flagship is now threatening Repossession. I received a letter today ( XX/XX/2020 ) stating the required strict compliance from the receipt date or they will repossess my vehicle. I made a payment today ( XX/XX/2020 ) but it was not the full total indicated in the letter. The date which I have been given to pay the indicated total is 6 days from today 's date and I have paid the most I can due to COVID-19. I continue to get charged late fees, with no relief in sight, The representatives call approximately 8 times a day. I even got a call from a representative about an hour after I made the payment today ( XX/XX/2020 ).
The representatives have been rude and disrespectful, I have asked to speak with a supervisor over accounts and there has been some reason why a supervisor is unavailable.
When you call Flagship there is a recording that states if you have been affected by COVID-19 to press an indicated number. When you press the number the recording directs you to their website and customer portal. There is nothing on the website or customer portal concerning COVIS-19 or assistance because of COVID-19 which I can locate.
In addition to calling, I have also emailed Flagship from the customer portal requesting a deferment or extended grace periods due to COVID-19, and have received no response.
The letter I received makes reference that this has been my pattern of payment before the current COVIS-19 Pandemic. I have not been in default related to this loan and this statement is false.
I feel that I am receiving threats due to something that is completely out of my control. Due to the PANDEMIC and employment status because of this PANDEMIC, I have fallen behind, but again I have made contact with Flagship weekly providing updates.
If I receive my unemployment claim or return to work, which ever is first, I will be paying this loan off as quickly as I can. If I am able to pay my loan paid off before they act on their threat to repossess, I will NEVER do business of any kind with Flagship Credit.
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| 08/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I don't deny that we I am behind on my payments with Flagship Credit Acceptance. I will admit that. However, it is their tactics that they use to try and collect payment and the numerous voicemails they leave, not on my phone, but my husbands phone and my husband isn't financially liable for the vehicle, as he isn't on the loan, just listed as a contact. Between XX/XX/XXXX, XXXX XX/XX/2021, this company has called my husbands number 8 times a day, some have left voicemails, some haven't. Their agents leave messages that if I don't make payment they will repossess the vehicle and they constantly state that in each message. That being said, they contact between XXXX XXXX and XXXX XXXX daily usually, at least eight times a day, usually a different representative each time, threatening repossess of the vehicle.
I unfortunately and have stated many times to Flagship that I have undergone, medical hardship, I have had XXXX XXXX, XXXX, XXXX XXXX performed in the last year, along with numerous tests done for XXXX XXXX XXXX XXXX XXXX XXXX. I have willed to give all my medical paperwork to Flagship to honestly prove medical hardship. Some representatives seem to care, while others still will yell at you for payment.
That being said, the last conversation that we had which was on XX/XX/2021, I wanted to enter into agreement to payment agreement of {$1400.00}, which is the past due amount and I unfortunately need until XX/XX/2021, as that is when I will have the money to secure for the past due amount. They asked if I could pay anything prior to that, as I told them, I unfortunately had to come out of pocket for an additional medical expense, they really didn't want to hear it and they demand payment by XX/XX/2021 or they will start the process of repossession.
I don't want to lose the car as I need a dependable means to be able to get to my medical appointments, etc, that require a lot of time. I understand, that I still have obligations towards making payments on my vehicle, but at the same time, they should truly understand the procedures that I have gone through and what all is involved and at least try to make the payment more affordable for me for the time being. I'm reduced on the hours I can work, along with what I can do, because of the XXXX and I can't risk XXXX XXXX XXXX.
That being said, I'm willing to pay the amount due of {$1400.00}, that is past due, but I need until XX/XX/2021, as that is when I can secure payment for it.
I'm asking that Flagship please stop contacting my husbands phone constantly and leaving threatening messages of repossessing the vehicle and put any consideration of repossession off as I explained my medical hardship and allowing me to pay the past due on XX/XX/2021.
As well, I would like Flagship to train their employees to be more respectful towards customers, them not knowing everyone 's situation. When I have to constantly tell them what medical procedures and what I have been through between XXXX and appointments, I don't enjoy having to explain that to them constantly, as to why I have fallen behind on my car payment, but that doesn't validate them to threaten repossession or their employees to be disrespectful.
|
| 12/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have been having a lot of problems with flagship credit I have been making my payment and they keep reporting late. and 2018 it was a hurricane for XXXX XXXX and XXXX, I was told by a flagship credit employee that I had a three-month grace point due to the hurricane they told me they will push the payment back until I was back at work. I later found out that they reported late payments and they didn't honor what I was told on the phone. just recently they put a 30-day late payment on my credit report for the month of XXXX. my payments are due by the XXXX of every month its known way they can report a late payment for the month of XXXX until after XX/XX/XXXX they fixed the reporting issues for the month of XXXX I spoke with XXXX a manger there and XXXX spend over my bank account information and got it fixed. now it is XXXX and they are doing the same thing reporting me 30days pass due there is no way I am 30days pass due when its hasn't even been 30days yet. all my payments have been paid before 30days. the customer service rep let me know that I was paid up and just have to make sure to make my next payment before XXXX XXXX.. they said I was missing a payment for XXXX and XXXX I made two payment in XXXX XXXX on XX/XX/XXXX and the other one on XX/XX/XXXX both payments cleared also made payment XXXX. flagship is saying that they are not reporting negative and that they see that I am all payed up and all payments are made before 30days. I talk to XXXX XXXX the dispute manger and he told me everything was fixed for my late payment. I have my bank statements that shows they did as way and it shows what times they got it. I also three-way my bank XXXX XXXX. on the phone with flagship to go over the payments. this has been a lot for me I am very stressed out I am a single mother of XXXX and i don't have money to just give away I am working on buying a house and all these issues with flagship credit with my payment is hurting my credit badly please help. This company is being very nasty to me on the phone I have been yelled at hang up on. And talked to with so much anger. At this point I am afraid of having a conversation with this company because they are so disrespectful. I dont know what might happen next. I dont feel comfortable even being in this contact with flagship no longer because of the disrespect the losing my payments and the poor customer service I have been with this company for three years now and it getting worse every year I cant keep dealing with this verbal abuse. I just want this situation handled as soon as possible. I feel that Im being manipulated and taken advantage of I dont feel like flagship credit is being credible I have reached out to third party my bank XXXX. XXXX and they verified that all payments was received on time. I also provided documents to prove it. all I am getting is yelled out and hang up on. I cant take it anymore. this has hurt my credit score by over 100 point the information is incorrect and flagship credits error that needs to be fixed. The federal Fair Credit Reporting Act XXXX FCRA ) promotes the accuracy and privacy of information in the files of the nations credit reporting companies.
|
| 02/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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|
Web |
Servicemember |
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On XX/XX/XXXX I purchased a XXXX XXXX XXXX. I signed a finance agreement with XXXX XXXX. A couple months later, I received a call from XXXX XXXX XXXX XXXX with whom I had tried to contact because I had not received my title so I could tag my vehicle. The dealership informed me XXXX XXXX had filed for bankruptcy before paying the loan on the car. They said that they would work on finding a new lender and let me know when they found one. Several months had gone by with no news so I tried to call them and was unsuccessful. I had gone out of town for a while and while gone tow trucks were sent to my house and my father 's house. I started looking into the matter and found my car was financed by XXXX XXXX XXXX. I had never signed another loan agreement nor had I given permission for anyone to. I contacted XXXX and requested a copy of the loan agreement and received one 10 days later. I printed it off and could immediately tell that my name had been forged. It was not even close to my handwriting. I immediately called Flagship and told them the signature had been forged. They said to file a police report and get them the case number and it would be dropped. I tried filing one in the town the crime occurred in but the sheriff said I could not because they had so many of these type cases from the dealership that they had turned it over to the FBI. I called the FBI and explained the situation and they told me I would have to give a report to a live agent, so I did. He told me if there was in fact an investigation, they would call me. I never received a call. I filed with the Oklahoma XXXX XXXX XXXX they responded with saying that they could not do anything because the dealership had closed I filed a report with XXXX, they said it was Oklahoma XXXX XXXX XXXX jurisdiction. XXXX turned the account over to a legal collection agency. I received a letter in the mail saying that if I did not dispute the debt, it would be assumed valid. I responded that it was not valid in the given time. My husband was served with a lawsuit demanding I pay XXXX the amount of {$14000.00}. I responded with an answer and counterclaim denying their allegations and included the original loan agreement I signed showing the vast difference between the signatures. Even though they knew the agreement was forgery they have continued the lawsuit. They started reporting negative payments to all credit bureaus and continue to this date even though they have charged off the account. I traded in a XXXX XXXX XXXX which was never paid for and repossessed so that is also on my credit. This experience has severely damaged my credit and buying power. I also had to buy another car as I could not tag the XXXX or legally drive it. The credit bureaus show I owe over {$18000.00} at the point but they refuse to remove any derogatory marks on my credit or drop the lawsuit. This is extremely frustrating as I never even had knowledge for several months. I disputed the agreement through XXXX who investigated but came back with results that it was reported valid through XXXX.
|
| 05/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I went into XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). On XXXX , XXXX because XXXX XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit. I went back to XXXX XXXX . I then spoke with Owner XXXX XXXX and Co Owner ... XXXX XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau. Since XXXX I have not had any resolution with getting this unauthorized inquiry removed and deleted from my credit file. I have submitted this same kind of dispute to all XXXX credit bureaus and still no response. I have also attracted a letter signed and dated by XXXX XXXX that the credit pull on XXXX / XXXX / XXXX and in XXXX / XXXX / XXXX were both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on XXXX / XXXX / XXXX . There was no explanation on how or why my credit was pulled this time either. I had n't even been into XXXX XXXX office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because XXXX Attacked me trying to take the letter back after I threatened to sue him for ruining my credit report. I am asking that XXXX XXXX Inquiry be removed My my credit file. As fo r I did not give the company permission to pull my credit file. They also submitted my credit information to XXXX other company 's without authorization or consent. Including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX The inquiry was submitted on XXXX XXXX and on XXXX XXXX , XXXX without authorization or consent. 2. Flag ship Credit Acceptance 3 XXXX XXXX XXXX XXXX XXXX , PA XXXX The inquiry was submitted on XXXX XXXX , XXXX and again on XXXX XXXX , XXXX . Both without authorization or consent. 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX The inquiry was submitted on XXXX XXXX , XXXX and again on XXXX XXXX , XXXX . Both without authorization or consent. 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX, XXXX The inquiry was submitted on XXXX XXXX , XXXX Without authorization or consent. 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX The inquiry was submitted on XXXX XXXX , XXXX . Both without authorization or consent. I am asking for these unauthorized inquiries to be investigated and removed. I also think it 's fair that the derogatory effect be removed. I would like all my points back. I have contacted all the companies via certified ma il and no one will res pond.
|
| 09/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I recently pulled my credit report from XXXX, XXXX and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. Your company never notified me, and your company filed to send me my statements for that month and when I talked to your rep, I was told that this mistake would be deleted. I never received a billing statement from your company.
FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.
( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.
( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer-reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act I contacted your company and talked to customer service, XXXX who admitted that it was Flagship Credit Accept error because my billing statement was sent to and they were aware and assured me that this misunderstanding was going to be removed from my credit report and listed correctly. The representative promised to send me a payment statements so we wont have this maundering anymore of my account and stated that this mistake would be corrected. I never received such documentation. The results of my XXXX XXXX and XXXX and XXXX dispute have just come in, and say verified. How is this possible?. Reporting inaccurate information is also a violation of the FCRA. Enclosed is proof that payments was on time and never late Your company never sent me a billing statement and was advised that because of the mistake I would not have a late payment. I had to call your customer service and was told a statement was going to be sent to me and now I look at my credit report and you put 30 days late when it was your company and billing error.
|
| 10/09/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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Please see comments from my previous complaint which was closed. Case # XXXX Upon reviewing flagships documents that they attached with their response to this complaint, I found multiple errors. They made it look as if they corrected the issues ( not posting payments properly, holding payments making them late, applying my payment to another account, repossessing my car when I had made the payments every month leading up to the repossession but due to their terrible business practices they were not applying my payments which led to the repossession ) There are so many errors in everything that they have done it is hard to keep track. I am going to attach all of the documentation once again including their documents that they responded with. They have in fact failed to correct my account ( they made it appear as if they did however if you look into the documents they provided there are multiple mistakes ), after multiple failed attempts at contacting them I am now seeking further action against this company. I am hoping you will help me. I am going to attach comments from others about this company, as it is not just me that has this problem. This company is fraudulent, has no integrity, and should not be allowed to continue to do this.
They have robbed me of my money, inflicted emotional distress, lost time and wages, and countless hours researching and digging into what they claim they fixed. I am asking you CFPB to protect not only myself, but many many others who are victims of fraud. I feel as though I have been robbed, mistreated, and so much more. Also, the company continues to drown my credit report with derogatory statements. I want the repossession and every single " missed '' " Late '' payment that the company stole from me to be corrected on my credit report.
For the company : I am giving you one more chance to CORRECT this, and I mean fine tune every single line of my payment history as well as your horrible accounting practices before I seek an attorney. I will not continue to allow you to do this to me.
Errors found in the documents they provided in the last complaint : XXXX/XXXX/XXXX payment not accurately applied ( applied, reversed ) XXXX/XXXX/XXXX Payment not accurately applied ( applied, reversed ) XXXX/XXXX/XXXX Repossession fees and lump sum payment not applied correctly look at how many times they applied and reversed, it does n't add up.
XXXX/XXXX/XXXX {$200.00} payment made, after this is when they " fixed '' everything and responded to the complaint ( and lied ) if I made a {$200.00} payment, and they supposedly applied a {$500.00} payment where is the extra money? Technically they only applied {$300.00} out of what they claimed to have fixed. On the website as of now, it is n't correct and still shows a payment due. The problem is, the " late '' payment was from XXXX when I have a statement from the company showing I had a zero balance and next payment due was XXXX XXXX, XXXX. Go through the dates nothing adds up.
|
| 12/15/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
|
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In the month of XXXX XXXX I fell behind on my payments, during the process of making payments to bring my loan into good standing and current with XXXX XXXX XXXX. I authorized a post dated payment to be withdrawn from my account on XXXX XXXX, XXXX. After 4 days of checking my account and no withdrawal of {$250.00} dollars from my XXXX XXXX XXXX XXXX Checking Account ending in XXXX, I called XXXX customer service line and spoke with a representative who said that she saw the payment pending but now further information was available. I authorized a second payment in the event that XXXX/XXXX/XXXX payment was n't processed correctly. The second payment was processed on XXXX XXXX, XXXX. After a few more days my account did not reflect any withdrawals from XXXX XXXX XXXX processing that XXXX uses for their collection purposes. I spoke with the Bank branch manager who researched the issue on their end and confirmed that no withdrawals were attempted. I gave it a few more days in the event that there were any delays in processing until I received a very rude collection call accusing me of being 50days past due and owing {$530.00}. When i asked about what happened to my previous payments the collection rep was unable to answer that question and informed me that the unsuccessful payments were noted as being NSF. I quickly corrected her that those previous payments were not presented to my bank for collection and then I asked to speak to a manager and supervisor who could answer my questions and find out why my payments were never processed and now being reported as NSF on my account and listing my loan late with the Credit Bureaus. The manager was just as rude as the rep and was less helpful than the previous representative. The company is unwilling to resolve the incorrect information still reporting my account as late for XXXX XXXX with the 3 Credit agencies.
Monday XXXX XXXX, XXXX I authorized a payment to be collected from my savings account which was successful. Wednesday XXXX a complaint advocate left a message wanting to speak to me in regards to the conflicting information, whoever the telephone number she left for me to call back was incorrect and when I called the general customer service number the agent informed me that they do not forward calls to another departments and if he was not able to resolve my matter that he would forward a message onto his manager and have someone contact me, 48 hours later still no call or solution.
So I would like XXXX XXXX to provide me with an explanation as to the issue that prevented my payments to be withdrawn from my account on XXXX & XXXX ; then the account to be corrected and reflect the correct reason for the failed payments and not NSF. After that a correction to the 3 credit bureaus that my payment was only 30 days past due for the month of XXXX, XXXX.
It probably would n't hurt for them to be audited and make sure they are treating customers fairly and not using unethical collection tactics.
|
| 04/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
|
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I contacted Flagship in XXXX of XXXX advising I had sent in a check for {$5000.00} to pay on my account as I was struggling due to cut hours due to Coronavirus. I had included detailed instructions on how to apply the check which was an insurance payment check for hail damage. Due to the restrictions imposed due to COVID i was not able to repair my car. A customer service representative said they received my check but would not be able to apply it to my account as the check was expired. I stated I would reach out to the insurance company for a replacement check. I reached out to the insurance company who stated that Flagship had cashed the check on XX/XX/XXXX. I reached back out to Flagship and they stated they did not see the check but would do more reseach and in the meantime requested a payment to make my account current. I made my full car payment of {$520.00} on XX/XX/XXXX. I continued to reach out to Flagship who then advised me that they had received the check but they did not know why it was not applied to my account. I explained the situation many times to different representatives and supervisors. They said they could not apply the check to my payment as they could only apply it to my principal. I told them that was not what i was told back in XXXX, but they still did not apply the check to my account. I XX/XX/XXXX on XX/XX/XXXX and was hospitalized for 15 days then bedridden for months after. I reached out to Flagship again in XXXX and stated that i had XX/XX/XXXXbut i would make my payment for XXXX and they would need to apply the insurance check to my payment in XXXX as i was out of work due to my injury. They still stated they did not know why my check was not applied to my account and would have a supervisor review. I made another payment on XX/XX/XXXX and advised that I could not make the XXXX payment as i was still not working and to apply the insurance check to the outstanding payment. THey finally applied the insurance check to my account on XX/XX/XXXX. This is FOUR MONTHS after they cashed it. They continued to charge me interest on that balance during that time. They continued to pretend they did not know why it had not been applied to my account. The previous response stated the money was in an escrow waiting to see if i would repair my car. That is an outrageous lie. They held my money while they charged me interest and late fees and continued to report my account as delinquent. I want the interest removed from my account for the 4 months that they held my check hostage. I want my account reported as current from XXXX to current. I paid another {$8000.00} on XX/XX/XXXX which they have also failed to report to the credit bureaus. I will be paying off this loan at the end of the month and reporting them to the XXXX and the Attorney General for fraudulent business practices. They received a payment every month since XXXX and i expect them to correct the credit bureau delinquencies.
|
| 01/24/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
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XXXX XX/XX/2023 I applied for a car loan at XXXX XXXX of XXXX XXXX I have sent FLAGSHIP CREDIT ACCEPTANCE LLC a letter with no response from them as well as no remedy. I gave them an asset backed security that is being traded on the primary and secondary market for the next 33 years with my signature as the collateral used, which according to their forms filed with the SEC and multiple prospectus an open ended unlimited credit should be granted and I shall not be denied. Since they have failed to comply I have been injured, humiliated, suffered emotional damage, pain and suffering and XXXX. Please help rectify this situation. Pursuant to their 8k,10k and prospectus reports my application has been securitized and traded to third parties and used as collateral. Yet I was denied a line of credit.15 U.S.Code 1691 it shall be unlawful for any creditor to discriminate against any applicant with the respect to any aspect of a credit transaction. I need to be compensated for my time and all violations and injuries.15 U.S.C . 1681n Civil liability for willful noncompliance : states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 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} ; ( 1 ) I was not able to receive vehicle ( 2 ) they added a derogatory mark to my credit dropping the score ( 3 ) They are making money off of a collateral backed security which I am receiving no proceeds or pleasure ( 4 ) I was humiliated twice, Once as I sat across the table from my long-time college friend having to catch an XXXX back home, And again as I got home and my oldest son ask me : What happened to the new car? I thought you were buying a car XXXX. ( 5 ) To go to the SEC website and read the promises they made about not selling on the secondary market and how they would uphold investor and consumers rights 15 U.S. Code 1681 : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.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 a result of the failure or {$1000.00}, whichever is greater ; Unless credit be granted with all violations included you will pay the sum of XXXX XXXX XXXX XXXX in check form to XXXX XXXX XXXX XXXX ) IF YOU FAIL TO COMPLY I WILL BE FORCED TO CONTACT THE FTC & SEC AND FILE AN OFFICIAL REPORT OF SECURITIES FRAUD AGAINST YOUR COMPANY & SUBSIDIARIES.
ALL RIGHTS RESERVED DONE IN GOOD FAITH.
|
| 10/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
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I did not have a debt with this company. I did not agree for my information to be used for third company information. This is goes against consumer law. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.
( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.
( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.
( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.
( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency for which the consumer obtained information for resell.
|
| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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I am writing to formally lodge a complaint against both Flagship Credit Acceptance and XXXX due to their continued dissemination of fraudulent credit reporting. The ongoing inaccurate information they persistently report concerning an account on my credit profile is deeply concerning and demands immediate attention.
**Account Name : ** FLAGSHIP CREDIT ACCEPTANCE **Account Number : ** XXXX **Account Type : ** Auto Loan **Responsibility : ** Individual **Date Opened : ** XX/XX/XXXX **Status : ** Paid, Closed.
**Status Updated : ** XX/XX/XXXX I must stress that this account has never had a late payment, and been successfully closed and paid in full.
Flagship Credit Acceptance is notorious for extending predatory loans to countless financially vulnerable individuals seeking to acquire used vehicles. These loans are laden with exorbitant interest rates and burdened with costly add-on products, thrusting borrowers into a cycle of debt.
Fortunately, through my affiliation with the XXXX XXXX XXXX XXXX, I managed to refinance with the XXXX XXXX XXXX XXXX XXXX, effectively sidestepping Flagship Credit Acceptances exploitative lending practices.
However, my optimism was short-lived, as it has come to my attention that the creditor deliberately withheld the payoff check for a staggering 60 days.
Subsequently, they purposefully relayed inaccurate information to the credit reporting agencies, falsely asserting late payment ( s ) of 30 and 60 days. These assertions conveniently correspond with the period immediately preceding the loan payoff.
I have undertaken several concerted efforts to dispute this misinformation.
While Consumer Reporting Agencies hold a pivotal role and bear the responsibility of utmost accuracy in reporting consumer information, the gravity of the matter necessitates a thorough investigation.
I earnestly request an in-depth inquiry, backed by concrete evidence in the form of statements validating any claims of late payments. It is my genuine plea that the account 's status be rectified to accurately reflect " paid in full, '' and any indication of late payments be deleted. These late payment claims are baseless, as I can affirm with absolute certainty that I was NEVER late in my payments.
This issue transcends mere discrepancies and strikes at the heart of my financial integrity. I implore you to understand the gravity of this situation and act swiftly to rectify these damaging inaccuracies. I kindly ask for your prompt attention to this matter and a timely resolution. You hold the power to restore the integrity of my credit report and, in doing so, alleviate the undue distress this situation has caused.
Please treat this matter with the urgency it deserves. I eagerly anticipate your comprehensive response, complete with a detailed plan for investigation and resolution.
|
| 07/19/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
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Web |
|
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I was involved in an accident XX/XX/XXXX. At the time of the accident my car note was paid in advance 2 and a half months. I also had gap coverage, through XXXX. The car was also paid off through my insurance company XXXX, XX/XX/XXXX. I have email confirmations from Flagship Credit Acceptance showing a XXXX balance due for the month of XXXX XXXX and XX/XX/XXXX. Then XX/XX/XXXX I received a statement showing $ XXXX due with the amount increasing in XXXX to over {$800.00}. Flagship Credit Acceptance Final act was to erroneously report $ XXXX due to the credit bureau 's which was not the case because XXXX had paid off the loan XX/XX/XXXX. I sent several emails to FCA regarding the gap coverage. I last made contact with XXXX credit acceptance Thursday XX/XX/XXXX when I was forced to pay {$220.00} so that I can show a XXXX balance to the mortgage company in order to meet loan program requirements. Flagship Credit Acceptance business practice has negatively impacted me in many ways I've asked them on numerous occasions to send me customer service notes and account history only to be disconnected from the call, request for documentation denied, canceled or ignored with refusal to connect me with management, call disconnected. The deceptive business practice of Flagship Credit Acceptance and false reporting to the credit bureas is a contribution to me having a higher interest rate on my next car loan and of course has negatively impacted my credit score. I received numerous calls harassing me for money not owed, only to be ignored and spoken to in loud aggressive tone by their employees, so aggressively, I asked the agent why she was upset when I was the one who was negatively impacted by their poor business practice. XXXX was the only employee who was cordial to me on the phone and prior to me making payment of the erroneous debt, at least made an attempt to explain me the erroneous debt as late fees and or interest and confirmed he saw nothing owed.
Advising it's typically a late fee or interest due that Flagship Credit Acceptance is looking for. XXXX did offer to wave the fee but said it will take some time as he would need upper management approval which I don't have time for as I'm now in a crunch and must have proof of this erroneous debt ipaid off so I can move forward with my mortgage loan. I have emails back and forth with Flagship Credit Acceptance since XXXX. Your assistance in gaining resolution is greatly appreciated. For transparency I had a 30 day late. XXXX and XXXX of XXXX I then caught the loan up, paid in advance and paid extra on the loan each month and can also show higher monthly payment prior to the accident. This will be captured in my payment and accounting history once received, and according bank records
|
| 02/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I am submitting a complaint against flagship credit acceptance since our issues can not be resolved over the phone.
1. Company hangs up phone calls, forwarding calls to automated services. Company is never available for the correct department, threatens and ask for my husbands military career commanders name in the military to report.
2. The biggest issue we have had since we opened the loan as a refinance in XX/XX/XXXX is the company only provided four months of billing statements to our home. The bills sent were incomplete, online bills were incomplete, missing amounts in the bill, blank. In XXXX, I contacted the company to report no bills coming to our home, however the company was rude, refusing me information, after POA was sent while my husband XXXX. The company told me not to pay, till the history of payments was sent. I then found mistakes, total principal added XXXX in the principal column, however the loan amount due only reduced by XXXX. The extra money was hidden in interest not claimed. The company continued to tell me not to pay, to prove each payment, taking thirty days to access old records from our previous bank we closed out. My husband was contacted while XXXX with information asked on commander and name of company. Threaten to reposes the car, and report him to his commander. The company denied telling me to prove the payments once I had the documents needed, taking all late payments in full interest. We have payed a total of XXXX on the already backwards loan, with only XXXX going to the loan in two years.
3. The loan is backwards due to failed SCRA benefits from the original company XXXX XXXX XXXX in XXXX my husband joined military with the loan start in XXXX. During basic they took full interest for non payments, continued the interest at XXXX % taking a full XXXX in interest putting XXXX on the principle then XXXX down on the car, having us pay XXXX to the first company XXXX to the second company, XXXX total on the XXXX dollar car, with XXXX still owed on the loan.
4. The loan is so upside down, I reached out to the first company, witch gave back XXXX. However I feel like they owed more, since they denied my husband SCRA not giving back all the interest. I feel the company now has taken over XXXX % interest, mislead me by telling me not to pay, then threaten, taking full interest. All we would like to do, is get the loan to a reasonable interest rate, possible the value of the car being XXXX XXXX XXXX XXXX XXXX XXXX XXXX, worth XXXX.
This is a lot, I have all supporting documents, please let me know if you can help us, as we feel overwhelmed after we will pay close to XXXX on the XXXX still left on the loan for the vehicle after already paying XXXX.
Thank you, XXXX and XXXX XXXX
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| 08/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Voluntary repossession
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Web |
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I am writing in response to Flagship Credit Acceptance LLC 's ( " Flagship '' ) response to the complaint I filed on XX/XX/2023. After careful review of their response, I find it insufficient to address the main issues of my complaint : the mishandling of my auto loan and deceptive practices involving the refunding of my Guaranteed Auto XXXXrotection ( GAP ) product.
1. Breach of Contract - GAP Refund Agreement : In their response, Flagship claims that I received a full refund for my GAP insurance. This is misleading and in direct contravention of the agreement we had. The original agreement was for a complete cash refund of the policy amounting to {$990.00} plus interest. Contrary to this, Flagship decided to apply a portion of the refund to my loan balance without my consent. This is a clear violation of our agreement and amounts to a breach of contract as defined under Section 1 of the Restatement ( Second ) of Contracts. This unilateral decision has denied me the rights I am owed under the contract, thereby causing me financial harm.
2. Unfair and Deceptive Acts and Practices Vehicle Surrender : Flagship 's response acknowledges their error in refusing the voluntary surrender of my vehicle due to its mechanical condition. This misinformation is in violation of Section 5 of the Federal Trade Commission Act, which prohibits " unfair or deceptive acts or practices in or affecting commerce. '' This wrongful denial has caused me undue stress and financial burden as I was left to bear the costs of a vehicle that I had intended to surrender.
Concerning the impact on my credit report, Flagship 's acknowledged mistakes and breach of our agreement have directly contributed to my current financial hardship. Their refusal to accept the surrender of my vehicle, coupled with the unilateral alteration of the XXXX refund agreement, have put me in a financially compromising position. This has, in turn, affected my ability to keep up with the loan payments. Therefore, I respectfully request that these extenuating circumstances be considered and any negative implications on my credit report be removed in accordance with the Fair Credit Reporting Act.
In conclusion, I reiterate my request for a full cash refund of the GAP product as originally agreed upon plus interest and for the voluntary surrender of my vehicle to be processed without further delay or negative impact on my credit report. The Consumer Financial Protection Bureau has a mandate to protect consumers like myself from unfair, deceptive, or abusive acts or practices under the Dodd-Frank Wall Street Reform and Consumer Protection Act. I trust that you will uphold this mandate and help me seek a just resolution to this matter.
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| 08/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Good afternoon, I am writing to file a complaint and request an audit into Flagship Credit Acceptance business practices. I purchased a car with them in XXXX XXXX XXXX and I pust {$6000.00} in cash to get the loan approved. I have paid on time until XX/XX/XXXX, my wife and I exprienced a financial hardship and are still going through it. I requested a loan deferment for the month of XXXX. I completed what was asked of me to get this done and I was under the assumption that everything was fine as I have made the request previously before with the same process. I resumed payments in XXXX and a few months later, I recieved a notification in XXXX XXXX XXXX that I was month behind. I paid XXXX payments in XXXX and expressed my frustration and it fell on deaf ears. As time went on, I made my car payments on time and everything was fine XX/XX/XXXX. I receieved a notification that I owed {$370.00} for XXXXXXXX XXXX payment. My payment is {$470.00}, Flagship updated their system in XXXX and customers are unable to see their payment history and live chat online isnt an option. I inquired about the {$370.00} ( two times ) through email and didnt receive a response. I assumed it was for late fees and I received a credit for over paying earlier this year. I scheduled some automated payments and the system didnt show anything out of the ordincary as I knew I had to pay XXXX and XXXX 's payment.
I logged in XXXX to schedule automated payments and the system showed I owed for XXXX and XXXX, XXXX XXXXXXXX {$470.00}. When I logged back in to reschedule the payment on XX/XX/XXXX it showed I owed for XXXX, XXXX, and XXXXXXXX XXXX payment. I sent an email inquiring and spoke to a an agent. She couldnt figure out why the system was showing I owed for XXXX and I paid it on XXXX. XXXX XXXX requested an audit on XX/XX/XXXX as I was all of a sudden facing reposession and I have been going back and forth with customer service ever since. XXXX was supposed to call me back and I never recieved a call. I am getting conflicting answers and its beyond frustrating, whether its been credited or not. I was told last Thursday that the audit is still on going but its only supposed to take XXXX hours and it was requested on XXXXMaking these payments is a sacrifice and I need a credit for XXXX, XXXX ( paid on XX/XX/XXXX through XXXX XXXX ) , and XXXXXXXX XXXXXXXX payment ( paid on XX/XX/XXXX through XXXX XXXX ) and a deferment for XXXX payment. I have a copy of the latest email i sent them and will attach it in this email. I am requesting an thourough audit into my loan file and Flagship credit acceptance new system and business practices.
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| 03/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I fell behind on payments back in XXXX/XX/XX/XXXX, and I made the payment needed to keep my car from getting repoed. I called while at work one morning, I took a break, spoke to one of the representatives, she told me the amount needed to keep my car from getting repoed, so I paid it. I went out to my car around lunch time, @ XXXX, and my car was gone. I called the company back, spoke to the same person, and she said she never called the repo company to let them know I made a payment, " it wasn't her job to inform them ''. So I made a payment for no reason, and my car was repoed anyway. She then said I needed to make another larger payment to get my car payments current to get my car back from the repo company. I was already down on my luck, having a hard time paying due to an 80 % reduction in my current pay. So, I had to borrow money from my parents to get my car back. Then the agent told me I had to pay a fee to the repo company to get my car out. This is now 3 different payments, when I had already made the first one to bring everything current prior to my car being towed. I told her I had no more money, and couldn't borrow anymore money. She " worked '' with the tow company, and added the fees to the end of my loan. She said my loan was brought current, and I would have to pay the repo fees at the end of my loan. I've asked for years to get everything in writing broken down, and I finally got it about 6 months ago. After the agent said everything was brought current, she lied again, because Flagship kept charging me late fees, and reporting to the credit bureau that my loan was late/behind on payments. They had the amount I owed completely wrong, have messed up my credit report, I'm having the hardest time getting this fixed, getting my credit rating fixed, and getting the amount due corrected so I can get the title to my car. The loan on my car has been paid-off since XX/XX/XXXX. I've asked to speak with a XXXX XXXX at Flagship to help me correct this situation, I've sent several emails, and I've never had a return email or phone call from XXXX XXXX. The agents keep ignoring everything I say or ask for, refuse to help me correct their error, and refuse to have XXXX XXXX contact me. I was told by a Flagship agent on a phone call, to ask for XXXX XXXX after my loan was paid, so she could help correct the amount due and correct their error because that agent could see where the company had messed up. I've asked for the recorded phone conversations to be reviewed, and asked for a copy for myself, and nothing has happened. I need my credit fixed and I need the title to my car.
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| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX, I was given an option to pay off the extensive loan that I was trapped into. Flagship Credit Acceptance colluded with XXXX XXXX of XXXX XXXX, TX to defraud me into buying a car that was almost three times the worth. I attached the Settlement offer that Flagship company I came into agreement so that I could be done with this fraud against me. I paid a total of {$1400.00} to end this fraud perpetrated against me due to me not having knowledge of buying a car. They took total advantage of me. I have included the total contract. They electronically signed my name and I was not aware of how much this car was until I received the contract in the mail three weeks after having the car. I did not have a MSRP paper in the window of the car or nor was it produced to me. I was taken advantaged of and want the CPFB to look into this contract also.
I am complaining that Flagship Credit Acceptance allowed this incorrect and inaccurated information to be projected on my credit report erroneously thereby causing me harm, financial hardship, and credit denial. I tried to get Flagship to accurately reflect that my account was correct, From XX/XX/year> to present reporting of this fradulent reporting, they are still reflecting a negative and erronous amount on my report. I am asking that the CFPB send this complaint to the appropriate entity that will help me with taking the next step so that I can be compensated for Flagship 's blatent false reporting of negative items on my report that caused me and my family harm. My credit score suffered due to this erronous reporting of inaccurate information that harmed me per failure due to a violation of the Fair Credit Reporting Act ( 15 U.S.C. state statute 1681 g ).
I want Flagship to take all late payments off my credit report due to a Pandemic that kept me and other Americans from going to work due to Covid-19 Pandemic. I have always paid the exuberant fees that I was defraud of. I want a legal entitiy to levy penalties against Flagship for misrepresenting the facts on my personal credit reports and I want them to reimburse me the maximum amount of penalties and fees that could be levied against a company that repa consort false and inaccurate information on a consumers 's report.
I want an investigation on why they kept reporting harmful, inaccurate, and misleading informaiton on my credit report. I want to know why they did not correct my report in XX/XX/year>. I have been harmed financially, personally, and mentally.
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| 10/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/XXXX my car was in an accident. Subsequently, my insurance company totaled the car and paid off the loan company Flagship Credit Acceptance in the amount of $ XXXX I contacted the loan company in XX/XX/XXXX to determine if I had a balance of any kind. I was told no and my title would be in the mail. The representative stated that I was paid up until XX/XX/XXXX and I had no balance. He also stated that I should make my GAP insurance company aware of my payments and I should receive XX/XX/XXXX and XX/XX/XXXX 's payment back. Early XX/XX/XXXX, I receive my title in the mail. Come late XX/XX/XXXX, I receive an invoice from Flagship stating I owe {$0.00} ( I have the statement ). Then in XX/XX/XXXX, I get another invoice stating that I owe $ XXXX. I contacted Flagship immediately but I was unable to gain access to a customer service agent and my call was dumped. I tried several more times with no success. On XX/XX/XXXX when I arrived home in the mail was another invoice from Flagship stating I now owed them $ XXXX. Once again I phoned them and my call was dumped. If you press 4 for a customer service agent it refers you to their website. So I used my daughter 's phone to make the call and I was able to get an agent on the phone immediately. Before I gave them my social security number or account number I explained to XXXX in the PA office I would need the help of a manager immediately. She placed me on hold briefly. Agent XXXX took over the call. I explained to her what was going on and that I needed answers. She began to tell me that there must be an issue with the phone systems and the IT department should be notified. She begins to put together a story in the company 's favor. But, she kept changing the information. First, she said, I was credited for 1 payment on XX/XX/XXXX and another on the XX/XX/XXXX. Then she said I was credited for 2 payments on the XX/XX/XXXX but 10 minutes later in the conversation, she said my payment was returned to the bank on XX/XX/XXXX and XX/XX/XXXX. But I pulled up my bank statements and it indicates Flagship took the money. Then she said that the statement dated XX/XX/XXXX, I had was not possible because it says I owed {$0.00} when I have it in my possession. She also claims there was no record of my phone call in XX/XX/XXXX. She said she would request an audit of my account and get back to me. The is tasked with providing accurate information down to the penny and they are failing and should be investigated.
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| 01/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I recently purchased a car through a dealership, XXXX XXXX. A few days after purchasing the vehicle the company who financed the vehicle, XXXX XXXX XXXX, called asking about the deal, where I was informed that the down payment XXXX XXXX asked for was double what I was suppose to pay. After clearing up that issue the week continued. After a week of documentations not being handled, returning the car for break issues, coming to the location about 4 times, and calls not being returned, the dealership gave me a call and asked me to come into the location to sign a missing document. When I arrived at the location I was informed that the finance company backed out the deal because of the down payment issue. I was told by the " finance manager '' that it was my fault the company back out because of the down payment issue. After reminding the man that he was the one who told me and my boyfriend, upon signing the contracts, to bring in the additional {$500.00} two weeks later, I asked to speak to a manager in a position over him. He informed me that they ran my credit again without my authorization and I had no choice, but to either pay the new doubled down payment and higher note through another company or give them the car in a few hours. I left the dealership and called the finance company who informed me the truth. The company had backed out the deal because the company sent over a warranty with someone else 's signature not mine. I also declined the warranty upon finalizing contracts when they asked if I wanted the warranty, they still proceeded to add the warranty after I left the dealership, without my knowledge. The finance company did send the warranty part of the contract, with my disclosed information on it. Also, after deciding to go look at other dealerships. I was informed by a few dealerships that XXXX XXXX " shot XXXX '' my credit everywhere, adding numerous inquiries to my credit. Two dealerships would n't offer to run my credit because of the numerous inquiries. The salesman from XXXX XXXX, then called me and told me to bring in the car his manager is leaving and that " they are doing me a favor. '' The manager would not even speak to me personally when coming in to get a refund. They made me speak to a salesman who never played a part in any of the issues & contracts, who basically tried to make me settle on two more contracts. I denied both contracts and opted to deal with another company.
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| 10/30/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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Flagship Credit Acceptance has not been processing payments in a timely manner. I have sent a series of payments to try and determine how long it takes for them to post payments to my account in the last month they have been taking longer than is acceptable for a business that is charging interest and penalties for late payments.
Date sort by ascending Payee sort by ascending Payment Method sort by ascending Reference Number sort by ascending Amount sort by ascending Status sort by ascending Days to Clear XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Not cleared XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$350.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$670.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$350.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$660.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX {$100.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$330.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$1.00} Cleared On XXXX XXXX XXXX/XXXX/XXXX XXXX Check XXXX {$660.00} Cleared On XXXX XXXX I have requested a pay off for this loan but cant be sure that they will process it with in the 10 days that the payoff quote is good for.
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| 07/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Account # XXXX I did not give Flagship Credit Acceptance LLC my consent to report my information to any non-affiliated third party. You furnished the information to the consumer reporting agencies not the other way around. Before my personal information is furnished, I was supposed to receive 3 disclosures.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal house purposes. Their inaccurate reporting has damaged my livelihood and reputation and is causing actual damages.
I have recently come across information from the Federal Trade Commission website, more specifically the Graham Leach Bailey Act & Truth In Lending Act which I attached below.
15 U.S. Code 6802- Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) OPT OUT ( 1 ) IN GENERAL Afinancial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.
Lastly, this account is passed the statue of limitations and must be DELETED from all consumer reporting agencies immediately.
A written response is attached below.
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| 04/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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A number of years ago I began suffering from a medical and financial hardship that forced me to sell my assets, including my home and purchase a different car. The only option available to me at the time was to take a loan from Flagship Credit Acceptance, for almost 20 % interest.
I have been working to pay off my loans and commitments over the last three years and Flagship has consistently been harassing with phone calls and communications, sending bills that reflected amounts owed higher than I owed ( and sometimes confusing me enough to pay double ) - altogether raising my anxiety and greatly impacting my health further. Continuing to make the payments required, even during the pandemic - and continuously communicated with them upon a late payment - and made sure to keep my account current. Despite this, Flagship have reported negative reports on my credit report - worsening my financial situation during the pandemic.
To resolve matters, I made a huge effort to pay off the XXXX USD remaining on the loan - this was to be rid of Flagship. Still having paid off my loan early in XXXX, I still have not received a title. Making matters worse, it seems Flagship have also ignored communications from the XXXX after I registered my car in Maryland last year and didnt provide them with a title either back then. At this point I have reached out to Flagship credit over 4 times over the course of the last 3 weeks, only to spend hours on the phone with them - promising to return my calls and resolve the matter, but to no avail. Separately, they also took their time - well over 30 days - to report the payoff to credit bureaus.
As a consumer who has been doing all he can to remain afloat, especially during a pandemic, the despicable business practices and lack of communication or resolution by Flagship Credit Acceptance LLC are unacceptable and have negatively impacted my life on many levels, now impacting my health and anxiety - I worked to pay off the loan and now will soon not be able to legally drive my car when my registration expires, despite owning it outright. I ask for your assistance in resolving this matter as soon as possible so I may resume my life, as well as for your assistance in punishing Flagship Credit Acceptance LLC who has been a longtime offender of consumer rights ( see many other complaints online ).
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| 12/31/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I purchased my XXXX XXXX XXXX XXXX XXXX with a cobuyer. Made all my payments on time. I was no longer in communication with the cobuyer shortly after purchase. Come XXXX XXXX I got into a car accident. The accident was the other parties fault and I took the vehicle to a repair facility of my choosing for repairs to be fully covered under the other parties insurance. While my vehicle was being repaired ( fully tore down, parts ordered ) the cobuyer came to the repair facility with his own tow truck and took the vehicle without me knowing to another repair facility that I could not find or get ahold of. My repair facility informed me of what happened. I contacted the cobuyer multiple times to get my vehicle back. The cobuyer told me the vehicle was going into a bankruptcy and that I was not getting my vehicle back. I stayed in constant communication with Flagship and they informed me no bankruptcy was ever filed. Because the vehicle was not actively being repaired the insurance stopped paying for my rental. I was forced to return the vehicle and having XXXX kids being a single parent I needed transportation to get them to school and myself to work. I purchased another used car. The cobuyer told XXXX that they were not going to pay on the loan and hide the vehicle until it gets repossessed. I had NO WAY to get my car back and could not afford to pay on two vehicles. I tried to voluntarily surrender the vehicle so that the cobuyer would too then I could redeem, I asked if once it was recovered if I could get it back then and continue to pay on it. I tried to refinance the loan into my own name and was n't able to. I tried everything I could. Flagship informed me that even if I were to regain possession of the vehicle the cobuyer could still come and take it again. So after learning that, I had to let it go. I worked hard to get my credit score up and maintain that loan. Like I mentioned before I made every single one of my payments on time. Due to the cobuyer bullying me out of the vehicle and forcing the vehicle to get repossessed I am now stuck with this loan, a charge off, and a repossession and I truly do n't believe it 's fair. PLEASE review the whole situation and all the calls. This situation was well out of my hands and I had to take care of myself and kids unfortunately resulting in letting the vehicle go.
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| 01/28/2019 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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My car was involved in an accident on XX/XX/2018. My auto finance company was notified on XX/XX/2018 that my vehicle was a total loss and they told me that they were going to start processing my claim with the gap insurance since it was with them. I received notification on XX/XX/2018 that my account was past due. I then called XXXX to check on the status of the GAP insurance claim. They told me that they had not started the process of filing the claim. I asked why it had not been started since it was almost a month since they were notified of the total loss but no one could answer that for me. I then spoke with a person in the insurance department who started the claim. I was notified on XX/XX/2018 that the Gap policy through XXXX did not receive the proper documentation from XXXX and that they had not been able to contact the insurance rep from XXXX. I called for a week until i was able to reach another person i the insurance department and she resent the documents to XXXX. I continued to receive collection calls and the insurance told me that my account was supposed to be routed to their department and not collections. The gap policy paid out but they only paid a partial amount based on what XXXX had told them what was left on my loan. XXXX told the Gap coverage company XXXX that I had an outstanding balance of {$19000.00}, which was incorrect. My insurance company paid {$13000.00}. XXXX reported to XXXX that they had received an additional {$1100.00} from warranty refunds which was also incorrect. XXXX error caused my Gap insurance policy to only pay out {$4400.00} leaving me with about {$3000.00} left to pay on my loan. I tried to make a payment on the account until the account was corrected but XXXX refused the payment since it was not the full past due amount. Since then I have received numerous calls at all times of the day from multiple different phone numbers from XXXX collections. The insurance department continues to say that Im not supposed to receive collections calls but my account keeps getting routed back to collections. I have had collectors be very rude and refuse to allow me to speak to a manager even though the notes indicate what is going on with my account. This has destroyed my credit .They have also been calling my daughter who is a reference and is not on the loan.
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| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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FlagShip Account # XXXX Certified Mail Receipt To Flag Ship : XXXX XXXX XXXX XXXX XXXX XXXX As Defined XXXX The IRS Publication XXXX Even if FLAGSHIP CRD didnt receive a Form 1099-C, they must report canceled debt as gross income on their tax return.
The IRS Clearly defines a charge off as Gross or Ordinary income.
INCOME/TRANSACTIONS/EXPERIENCES DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By definition The IRS clearly says a Cancelled or Charge off is income. The reporting of this account as a alleged " debt '' is inaccurate. The account is being furnished inaccurate and this is prohibited by federal law.
15 U.S.C. 1681s-2 Says consumer reporting agency as a furnisher of information are PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately.
15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) 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.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.
Prohibition : a law or regulation forbidding something.
( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; I also mentioned above the Federal Definition of a Consumer Report '' and what it should not include. This inaccurate information is causing actual severe damage to my general reputation, my family, mode of living, and mental health. Also, as you can see in the exclusions, transactions and experiences are not reported on a consumer report, and this is another violation of my rights.
Flagship Credit Acceptance LLC is hereby put on NOTICE that they are furnishing incorrect inaccurate information.
The lender must file Form 1099-C and send me a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity, as discussed earlier in chapter 1.
The above paragraph is taken directly from the IRS 2022 Publication XXXX.
This account must be removed.
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| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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FlagShip Account # XXXX Certified Mail Receipt To Flag Ship : XXXX XXXX XXXX XXXX XXXX XXXX As Defined by The IRS Publication 4681 Even if FLAGSHIP CRD didnt receive a Form 1099-C, they must report canceled debt as gross income on their tax return.
The IRS Clearly defines a charge off as Gross or Ordinary income.
INCOME/TRANSACTIONS/EXPERIENCES DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By definition The IRS clearly says a Cancelled or Charge off is income. The reporting of this account as a alleged " debt '' is inaccurate. The account is being furnished inaccurate and this is prohibited by federal law.
15 U.S.C. 1681s-2 Says consumer reporting agency as a furnisher of information are PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately.
15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) 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.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.
Prohibition : a law or regulation forbidding something.
( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; I also mentioned above the Federal Definition of a Consumer Report '' and what it should not include. This inaccurate information is causing actual severe damage to my general reputation, my family, mode of living, and mental health. Also, as you can see in the exclusions, transactions and experiences are not reported on a consumer report, and this is another violation of my rights.
Flagship Credit Acceptance LLC is hereby put on NOTICE that they are furnishing incorrect inaccurate information.
The lender must file Form 1099-C and send me a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity, as discussed earlier in chapter 1.
The above paragraph is taken directly from the IRS 2022 Publication 4681.
This account must be removed.
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| 11/08/2023 |
Yes |
- Debt collection
- Auto debt
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- 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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The information on my credit report is inaccurate and under 15 usc 1681i ( 5 ) I need this deleted from from my credit report immediately I attached documents to support my reasoning and they also shared my info with relatives calling them and harassed them and myself The data above has not been certified to meet any specific reporting standards, and is therefore unreliable. I insist that any inaccurate, incomplete, or unsupported material be removed immediately.
Also, see the image above for FLAGSHIP CRD ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern.
When I scrutinized Balance Owed ( XXXX ) presenting {$7100.00} XXXX noticed some issues! You know that I'm a hard-working individual, but there are some things on my credit report which do not reflect the truth. The accuracy of your reports depend on how thoroughly you follow the standards set by XXXX XXXX. If I can't trust what's in my credit report, then there is no point to having XXXX at all!. This account doesn't follow the required standards, and I challenge you to prove that everything is perfect in my report!
I was looking at Date Reported ( - ) expressing XX/XX/XXXX It is imperative that you make sure the information in your records complies with all industry standards for accuracy. I am shocked to see deviations from mandatory regulations and compliance guidelines for this account! It's clear there must be some kind of error -- please delete this account immediately! Fix things before more damage gets done.
Upon inspecting Account Type ( XXXX ) exhibiting Installment. I believe we have some issues with accuracy and compliance regarding this account. I challenge you prove the accuracy of this account and reporting practices with proof from XXXX XXXX standards. If applicable compliance standards are not followed then my records may contain inaccurate information about myself which will affect future loans or decisions made based on those wrong assumptions.
Viewing Date of Last Activity ( XXXX ) demonstrating XXXX You are deficient in your ability to report accurately if you can not prove compliance with federal and state regulations! I am looking for evidence that this account is compliant. Show me how exactly it meets all the requirements of current regulation?
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| 11/03/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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My auto loan was originally with XXXX then Flagship Credit took over my loan ( Not my request ). During the transition there were fees added to my account in the sum of XXXX in addition to my regular loan. When I called and spoke to Flagship in regards to it they said " it was repossession fee. '' I said " How can it be a repossession fee when my car was never repossessed? '' then they said they had to look into it. then they advised me it was miscellaneous fees charge by XXXX. I then asked what they were for they again said " repossession '' I then advised again how is it possible when there is no repossession on my car? they again said that they would look into it and wait again they then advised that it had to do with an incident that occurred in XXXX. My car was stolen and the police recovered the car I was awaiting to go to court to prove that I was n't the driver and I had the police report. between the time frame of recovery and the admin court hearing XXXX went the holding yard and paid for my car to be released to them they were going to sell my car in auction and charge me with a repo. At the court hearing presented my police report and judge said you can go ahead an get you car no charge then advised me at that time the financing company picked up the car. On the date I did contact XXXX they said ok send us the paperwork. I did send it to them that day then confirmed that it was received ( I have the original paper work for that day ). XXXX said they would remove all fee and charges and remove the " repossession '' from the credit report cease the sell of the vehicle. I though this incident was take care of it was presented by the lender as such not " fees '' on the monthly statement. Lender advised me not to worry about it they will handle the paper work to be reimbursed. The mistake was removed from the credit report. I thought everything was fine until these " fees '' appeared when Flagship took over the account. I have sent the original paperwork twice now talk to several people and there is " nothing they can do '' or they do n't return calls when requested. They only time I hear from them is if I am late on payment, then they we throw you on dialer system and leave you 2 to 3 voicemails everyday until you pay and call you 7 to 8 times a day.
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| 08/31/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I purchased a car in XXXX, which was financed with Flagship. When my first payment was due I established a user name and password on their website to process my payment. I processed the first 4 payments online without any issue. Then sometime after that I missed my payment by 5 days, which I requested to have my payment changed to the last day of the month, as that is when I get paid, and Flagship informed me that it is their policy to not accept any payments between the XXXX and XXXX, as I tried to login to make a payment I received a message that my login for online banking did not exist and I needed to call customer service. I called customer service and was informed that customers that are 1 day late are locked out and have to call customer service to make a payment. The caveat to making a payment with customer service, is you have to pay a {$10.00} processing fee. Now I realize I was late, however, most banks do give some type of grace period and even if there is a late fee you are not locked out of online payments. Recently Flagship changed the way they allow you to process payments. Now you have to login through the XXXX portal ( one option anyway ) and pay {$2.00} to process any payment. You no longer can just login and make a payment online with out some type of processing fee. It seems unfair that Flagship charges a fee regardless if your payment is on time to use they online system and if you call to make a payment, you no longer have to pay {$10.00}, but you have to pay the {$2.00}. If you elect to have reoccurring payments automatically out of your account there is no processing fee. So basically unless you sign up for reoccurring payments, you pay a fee to make a payment.
Is it legal for Flagship to lockdown the XXXX - XXXX ( XXXX ) for payments?
Is it legal or fair for Flagship to charge a fee for online and telephone payments?
Is it legal or fair for Flagship to lockdown access to online payment processing when you are one day past due?
Was it fair for Flagship to remove the option of making an online payment without having to pay any fee?
I would like Flagship 's policies and procedures and reviewed for appropriateness. I feel this is unfair and deceptive acts and taking advantage of consumers with less than perfect credit.
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| 01/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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In XX/XX/XXXX i sent a check for insurance repairs to Flagship Credit as I was unable to make the repairs due to Covid pandemic and I was unable to make my payments as i had lost hours and my husband had as well. I sent the check with the instructions to catch up my account and put the remaining balance towards my principle. When i called to verify they had received my request and my check, the agent informed me that they had received it but could not do as i asked as the check was expired. They stated to contact my insurance company to reissue the check and then they would proceed with my request. They granted me an extension. In XXXX they called stating i was behind. I explained the situation and that i was working to get a new check. I made a payment on XX/XX/XXXX for my XXXX payment. I XXXX XXXX XXXX on XX/XX/XXXX and was XXXX for 15 days. Once i was home and more aware, I contacted my insurance company and they advised that Flagship had cashed the check on XX/XX/XXXX. I contacted Flagship and advised them of the information. I began making my payments again on XX/XX/XXXX and have made a payment every month since. It took Flagship until XX/XX/XXXX to apply the check to my account. They had been reporting me as delinquent since XXXX. I spoke with an agent and advised of the situation. She stated they could not apply the check to my past due balance. I told her that i was told it would be taken care of when i sent in my new check but in actuality they had cashed my check and held on to my money without ever applying it to my account or informing me that they had cashed it. I have asked several times to speak to a manager. I have spoken to agents each month and advised that i am not delinquent as they had the money but refused to apply it to my account. I have been told that it would be sent up to a manager and fixed and it is still not fixed. They have reported me delinquent every month. On XX/XX/XXXX i received a letter stating they would repossess my car if the delinquent balance was not paid by XX/XX/XXXX. I have made my payment every month except XXXX when i XXXX XXXX XXXX. I am not paying the delinquent amount when they held a check for {$5000.00} for 4 months. I have tried to explain the situation. I have disputed with the credit bureau.
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| 04/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I purchased a car from XXXX XXXX XXXX XXXX on XX/XX/2023. The following day the engine and oil lights came on, the car reeked of gasoline. I called them everyday to make them aware of the issues with the car. They kept giving me the runaround, so I showed up in person on my lunch break. When I arrived, I had the XXXX come out to the vehicle to share with him what i was smelling. He made like to bring me to the XXXX department to have them look at it. So, they wanted to keep my car without giving me a loaner car. I told them that i needed liable transportation to get back and forth to the academy, because we can't miss any days. So, the service XXXX told me to take the car and when a loaner car becomes available, i can drop the car off. I dropped the car off on XX/XX/2023 thinking it was being worked on, but it wasn't. My car was towed to XXXXXXXX XXXX XXXX supposedly getting fixed, and to my surprise it wasn't. I kept calling XXXXXXXX XXXX XXXX XXXXXXXX to get answers and both parties blamed each other for not contacting each other. So, I called both XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XXXX way. XXXX XXXX service XXXX answered and that is when the conversation began. XXXX wanted to fix it, but because it was going to cost XXXX XXXX {$2000.00}, they said No. So, XXXX XXXX said that they were going to bring the vehicle back to the dealership to fix it themselves, instead of letting XXXX fix it. A few days passed and I didn't hear anything back, so I reached out to XXXX XXXX to get more information. No one called me back so I showed up in person again and the service XXXX said he made the decision to move my vehicle to an unknown reconditioning shop to be worked on and they won't even tell me where the shop is and when the vehicle will be fixed, and I didn't give them permission to move my car. Also, the service XXXX told me that my car should have never been sold to me due to them being under new management and that they didn't do the initial inspection, which is also recorded. Lastly, they sold me an unsafe vehicle that could have blew up or caught on fire to where I couldn't even ride my special needs son in the car because I had to drive with my windows down due to the smell.
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| 10/24/2023 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I have a car loan and I was out of work for six months living off my husband 's social security and retirement. I was two months behind. I kept receiving calls and messages saying they understood about getting behind and that they were there to help me. When I called the first time I only had a temporary position, so they couldn't help me. The second time I called, I had just gotten a full-time job starting on XX/XX/2023, and I made payments arrangements with them to catch up one month, and all payments were made and on time. During that call they told me I could ask for a deferral to have the other payment placed at the end of my loan, which would get me back-on track and current. Until I lost my job, I made all my payments on-time. I requested they submit a deferral, which they did, then I started getting calls, saying I still owed them a full payment and they had not received a payment made on XX/XX/XXXX, which my bank showed me was processed and learned the deferral was declined and I was never notified. No reason was given as to why the deferral request was declined. I requested a second deferral and asked them not to call me for at least a week, but continued to get calls. Every time I call and ask for assistance their response is you need to make the full payment. No options are given, they never notify me if my deferral has been granted or declined. I am still receiving 4 to 5 calls per day leaving me messages that they want to help me. I was so tired of the calls and the lies, I left a complaint on their website. I explained why I was behind and that unless my deferral was granted, I wouldn't be able to be on time, until I could find a way to make the full payment, as I was getting caught up with other bills which had accumulated while I was out of work and unable to claim unemployment insurance. I told them in the complaint that I would no longer accept their calls and they could communicate with me via email. I keep asking why my requests for deferrals are being denied, the response I get is, " I don't know, they don't tell us why. ". There has been no response regarding my last deferral request and the constant calls continue several times every day and night!
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| 09/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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In mid XXXX my car was repossessed by XXXX XXXX. I admit that there were errors on my part and wanted to get my car returned. While speaking with XXXX in the recovery department she stated that 1. XXXX XXXX had received no payments from me in months 2. She would have the repossession and late fees removed 3. That {$1300.00} would bring me completely current to my XXXX payment and allow me to retrieve my vehicle. On the following Monday I sent the required amount by XXXX XXXX to XXXX XXXX and notified them of the transaction. After several emails to swear I would stop payment and multiple calls I received an email stating they made an {$8.00} mistake that must be paid prior to retrieving my car. My fianc and I spoke to a manager XXXX who released my car and confirmed to us both that nothing further was due on my vehicle besides the {$8.00} and the up coming XXXX payment. Since then I have had nothing but nightmares from XXXX XXXX. They have failed to credit my account with payments made, called 20 or more times a day while Im at work, and made repeated threats that they havent received car payments for months. I have started 3 Manager reviews requesting they 1. Review the phone recordings and emails 2. Post payments correctly and 3. Correct my account to show the appropriate amount due and current correct payoff amount. I have had this {$16000.00} loan for 3 years and still owe XXXX and the amount due since XXXX is over {$2000.00} on a monthly payment of {$370.00}. I have not heard a reply by letter, email or call from any request for review. I did receive a voicemail requesting that I return a call to XXXX. When I attempted to call XXXX at the number left a XXXX answered stating they hadnt received a payment for XXXX, XXXX or XXXX. The attached files will show they received payment plus extra. I however have not received correctly posted payments or account corrections based on the original information I received. The last manager I spoke with promised to reply within 24 hours. I have still not heard back from manager XXXX XXXX in over a week. XXXX XXXX did come to my house and leave a threatening letter however but can not reach me to solve their issues.
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| 04/08/2020 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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This complaint relates to Flagship Credit Acceptance ( referred to as " the Company '' below ) is twofold : 1. The first part relates to the company 's conduct at routine times when a payment is late, where the company employs dialers and repeatedly calls consumers to attempt collection of debt even if they are on a no call list and have opted out of such communications. They justify this by forcing an " acceptance '' to such communications at the time of speaking to a representative by placing the " acceptance '' as a condition to having a conversation with the representative essentially preventing customers from resolving such issues while exposing them to the added stress of repeated calls if not addressed. For a customer who suffers from XXXX this isa serious issue with no resolution.
2. The second part relates to the company 's conduct during this COVID-19 crisis. As a self employed individual who has always made sure to make my payments on loans despite having gone through medical and financial hardships, I reached out to the company for a deferral of the payment for XXXX. Their response was ( unlike other financial companies who sincerely try to assist customers during this time ) having the agent on the phone play a recorded message explaining that such a deferral ( if approved ) will result in additional interest and fees ( essentially no different from simply paying 30 days late and suffering the consequences ). Separately, the company refused to even put in a request for such a deferral as I wouldn't provide them with an additional contact person they can call in the event that I miss a payment - despite my explaining that I have no one for them to call, I live alone with family overseas.
Important to state is that this company has been charging an aggressive interest rate of almost 20 % for my car to begin with. In short - Flagship Credit Acceptance takes cynical advantage of their customers - especially during such challenging times and refuses to genuinely provide assistance - even to loyal, paying customers such as myself - who are self employed, alone and without other options.
I sincerely appreciate your assistance.
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| 06/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XXXX of XXXX, I purchased XXXX XXXX XXXX. I Had this auto financed through FLAGSHIP CREDIT ACCEPTANCE CORPORATION. This loan was to be repaid within a XXXX month period ( 5 years ).
In XXXX of XXXX I became very ill. I contacted Flagship and informed them of my illness and inability to make the LAST XXXX PAYMENTS of the Auto Loan on time.
I was informed by the Customer Service Rep that they ( Flagship ) would allow me an extensive period of time to make these Last XXXX payments, considering I had never missed, nor was I ever late on any payments prior to that time.
In XXXX of XXXX, Flagship Acceptance Repossessed this Automobile without informing me of their intent to repo this car.
When I contacted them via telephone, they informed me that this was their policy and that there was nothing they could do to assist me. I asked if there was any way I could redeem the auto and they told me NO!!!!
I attempted on numerous occasions after that to speak with someone about getting this automobile back. Constantly I was transferred to different numbers within the company, only to be left on hold and eventually hung up on after they checked my account.
Now here it is years later and I just found out that they ( Flagship ) have the audacity to have me in collections for the balance of {$960.00}, the exact amount I owed them after paying for this car diligently for just about XXXX months short of XXXX years.
My issue is XXXX Fold. ( 1 ). I know they sold that car for way more than the {$960.00} I owed them. And I know now that they were supposed to contact me before and after the sale of that vehicle. They Did Neither!!!!. They were also supposed to rebate to me any overages beyond what was owed on the car plus expenses. They did not do that either. At the time the car was supposedly sold, this auto had an approximate value of between {$4000.00} & {$8000.00}. I never received any monies from this company nor anything else except their trying to ruin my credit and receive more money from this car that they are no longer owed.
This company should be sanctioned for their illegal and unorthodox practices. Preying on people for their own profit.
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| 11/17/2021 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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It has come to my attention the Retail Installment Agreement that I was given from XXXX XXXX have violated me a few ways on XXXX XXXX. I have been reading the Truth and Lending Act and it states the finance charges which is sum of all charges which is the {$52000.00} I was giving the impression that I had to pay a down payment of {$6000.00} in order to drive off the lot from the saleswoman XXXX XXXX, which states in 15 usc1605 that a I'm not supposed to provide cash and credit in the same transaction. Per my contract as the debtor I'm now asserting my rights. 16CFR 433.2 I was given a false deceptive from that I wasn't able to rescind my contract when in fact its states ANY HOLDER OF THIS CONSUMER CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. I was not given proper disclosures as to all insurance options available at the time of purchase. As per 15 USC 1632 ( a ) I'm aware that a finance charge shall be disclosed more conspicuously than other terms data or information provided in connection with a transaction, except information relating to the identity of the creditor should not vary from the actual finance charge by more than {$100.00}. I wasn't given my instrument when I left the auto dealer. My personal information was sold to Flagship Acceptance now my privacy has been exposed to financial institution that is sending statements to me asking for money, the law says I did consumer credit transaction with XXXX XXXXXXXX pursuant 16CFR 433.1 and I didnt purchase money loan because my account number/ credit card was given and I down payment {$6000.00}. This account is paid and in full. i want to exercise my right to a rescission. I want to revoke my credit transaction and revoke the security interest and the revoke the dealership. I wrote Flagship and they told me to go back to XXXX XXXX. I want to revoke the security interest, dealership, the transaction with the finance company as per 12 CFR 226.23
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| 06/27/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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XX/XX/XXXX I arranged payment online and received a payment confirmation email with Confirmation Number : XXXX. There were sufficient funds in my account to cover the payment but the amount was not deducted from my account. I checked my bank account for the next few days and contacted the customer service department with the first call at approximately XXXX yesterday, XX/XX/XXXX A rep told me that the payment did not go through due to insufficient funds. I called my bank and was told that no attempt had been made to collect the funds from my account. I authorized the customer service rep to process the payment again. I checked my account on their website and noticed a {$20.00} fee had been added to my account. Another call to customer service at approximately XXXX and this time the customer service superviser (? ) told me that the fee was there because I had not typed in my bank information correctly. I asked for a screen shot of the incorrect bank number but she said it could not be proven to me. Bear in mind that this fee was added on XX/XX/XXXX and I never received any type of alert that there had been a problem with my online payment. The woman who claimed to be supervisor told me she would do a one time waiver of the fee on my account. I checked this morning and it is still on my account with no description of what type of fee it is. The due date on my account was XX/XX/XXXX. I was not aware that this particular finance company did not cover a 10 day grace period for payment. This morning I searched the XXXX reviews of this particular company and found a large number of negative customer complaints with similar complaints to mine especially about their customer service representatives and the lack of timely action and the inaction to handle complaints. As I am unclear about their lack of alerts regarding a problem with a payment and the type of fee they placed on my account, I would appreciate your review of this company especially as there is {$4.00} fee charged for making and online payment. I have been making car loan payments since XXXX and never encountered a poorly managed company as this.
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| 04/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX FLAGSHIP CREDIT ACCEPTANC Attn : XXXX XXXX XXXX XXXX XXXX, TX XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX 2d 711 ( S.D. Ind. XXXX ) I have not initiated any transaction with FLAGSHIP CREDIT ACCEPTANCE. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with FLAGSHIP CREDIT ACCEPTANC for review or collection.
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Best regards, Your Name cc : CFPB via fax ( XXXX ) XXXX
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| 12/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Lender trying to repossess or disable the vehicle
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Web |
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Flagship Credit Acceptance has been harassing me via telephone with multiple phone calls during the day and night in regards to a vehicle that I was last told via phone would be repossessed.
I was told by several agents at Flagship Credit Acceptance that there was nothing they could do to help me and an active repossession was in place. After that time Ive been called daily from multiple numbers and all hours of the day.
As of today, they are in direct violation of my privacy and all aspects of the FDCPA, because I was contacted by a lady which is not a relative or friend of mine and she is definitely not one of my references given to Flagship Credit Acceptance. This is a XXXX XXXX XXXX elderly lady living in an assisted living home, according to her, and XXXX from Flagship called her and left a voicemail with my name, his name and Flagships number for her to let me know he called. She contacted me and sent me a screenshot of the voicemail transcription she received.
UNACCEPTABLE!
I have never been approached by anyone trying to repossess the vehicle, nobody has ever came to my home and knocked on my door and now they are harassing elderly people that has no relation to me at all!
Then I answered a call from XXXX this morning and I asked why did he call a stranger and where did he pull that information from? He didnt answer any of my questions and told me You want us to call other people and give out all of your information? I said you can try, but its absolutely against the law and you would be sued if you do so. He said, Ok then, thats why we keep calling you. My question is for what? Ive already been told the car would be repossessed, why are you now harassing me and other people? Especially an elderly woman?! Im beyond disgusted and frustrated. It should have never gotten to this point. Im not putting up a fight with a repossession and they arent doing anything but constantly flooding my phone with calls. There is nothing further to discuss after I was told the car would be repossessed about XXXX weeks ago.
They are in violation of my privacy and harassing me as well as strangers.
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| 02/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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This is my second issue with XXXX XXXXXXXX XXXX. XXXX is stating my balance is {$760.00} which includes a payment of {$290.00} which I made today and is leaving a balance of {$470.00} which includes the balance of my next payment of {$290.00} due on XX/XX/XXXX but it does not explain the balance of {$170.00} and there is no current statement explaining this charge. I am disputing the billing error in the amount of {$170.00} on my account. The amount is inaccurate because there is no statement indicating how this charge was calculated. My contract states that my car payment is {$290.00} every month due on the XXXX with a 10-day grace period. After the grace period I can be imposed a late charge to 5 % of the unpaid installment amount of {$23.00}, whichever is greater, after 10 days. I had previous late fees of {$23.00} or less that were credited back to my account along with a letter stating they have been removed from the account. I have not had a late payment since.
I am requesting that the error be corrected & explained, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement and an itemized statement of the charges.
Enclosed are my copies of all my monthly payments ( including the most current payment ), the contract, the most current statement on account which is dated XX/XX/XXXX supporting my position. Please investigate this matter and correct the billing error as soon as possible.
I dont know if this is in regard to the pending lawsuit against flagship and now they are doing erroneous billing to scare customers. I hope this is not the case because if it is then this company needs to be investigated IMMEDIATELY.
I did sign up to receive electronic statement and I have received one electronic statement. My last paper statement was back in XXXX of XXXX. I checked my communications tab and my email XXXX is listed on there so I dont understand why I have been receiving electronic statements.
I will NOT ACCEPT ANY PHONE CALLS FROM FLAGSHIP. You may contact me @ my email address at XXXX Thank you, XXXX XXXX XXXX
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| 10/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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In XX/XX/2019 I moved back in with my parents. I am sick and on XXXX leave. I called and updated my address with Flagship at that time. Oddly, right after that I quit getting paper statements.
I REQUIRE a physical paper statement and I do not have access to print anything online. Because of my illness and XXXX a 3rd party helps me with my finances and payments. I simply provide them with my statements and they do the rest. They require the statement to be able to easily assist me. If I don't get a physical bill, it won't get paid.
I have asked them every time they call and tell me the bill is late to research the reason I am not receiving statements. They always tell me that they do and that it's fixed but in 8 months I haven't received on statement however I do receive their hate mail harassing me and telling me I'm late but they can't for the life of them send me a freaking statement.
Not only that, but Wed the XXXX I made an arrangement ( it's late again because I didn't get the statement again ) to pay the entire {$660.00} balance and the collection department from XXXX has the nerve to call me again today asking for the same imformation.
So they harass me by calling every 2 days even with a set arrangement and then send me hate mail. Tell me my car loan is in default but won't send me anything but their hate mail when I beg for the paper statement.
I've cried on the phone, yelled, nicely asked for a supervisor, cried again, offered to wait for hours to talk to a supervisor and NOTHING. No one wants to solve the issue so my payments can be on time. I'm at the mercy of a company that would rather harass me on the phone every few days than send me the physical paper statement I've asked for.
I bet, if they listened to all the recorded phone calls they would hear my pleas on EVERY SINGLE CONTACT they have had with me since XXXX. Just the last 5 calls alone is evidence.
I even got online and updated the account. The main page on my profile advises that my account needs attention but it is on the company side. You can see that in the document I sent as well.
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| 07/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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I was led to believe that i was doing business with XXXX XXXX XXXX in XXXX XXXX Missouri and was going over the contract shortly after to see that the contract was sold right at the point of sale. Because the APR was extremely high and i didnt know at that rate if i would be able to afford it and i noticed that the contract said the finance would change daily which is another worry i had i know my credit wasnt the best and they didnt give me another option. But my problem was the TILA requires me to be able to return the vehicle in 3 days but they put a No Cooling Off period in the contract which made me tie my money up in the vehicle that i really dont have im a single mother of two and live pay check to pay check now i got to the point where im not paying on it because i cant get anywhere with the company that the loan was sold to which is FlagShip Credit Acceptance every time i ask about it they refer to me owing for the last couple of months and now just put my suv on the default department as of XXXX so it will be repossed anyday and i will have no way to work this whole ordeal has ruined my credit and is complacating my life. I dont know what else to do with the high loan rate and the violations these compianes are commiting i know as a consumer i have rights that protect me and i feel that ive been taking full advantage of. I wouldnt of enter in the contract if it woudve been explained to me in a langague that i could understand and rates that I could afford. As ive been researching i see violations of XXXX XXXX and FTC as i never seen nor recieved a opt out notice from nithier company annual or at the begging when i signed im in closing a copy of my contract. And you will notice there is not a no privacy policy anywhere on the contract which again is required per policy. I want them to make this right so i can get my life back on track instead of them ruining my credit and everything else by taking the truck i will lose my job and therefore want be able to support my family thank you in advance for looking into this matter i will be waiting on to hear from you.
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| 02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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This vehicle is actually my daughter 's. I originally was only supposed to be a cosigner. The beginning of XXXX I got an alert from my credit monitoring that a late payment was reported. I immediately made contact with Flagshit credit acceptance llc to find out what was going on. They informed me a payment was passed due 30 days. They informed me I was the primary on the loan but they did not have my contact information. I made all the payments to get the loan back to current. I then asked well if I'm primary why have I not been contacted about the late payment? They had no actual answers and just kept referring me to other departments. These departments have no direct contact for me to explain my case. I've emailed them and was assured they would make steps to correct my problem. They then told me their investigation found that they reported correctly. ( they said this to my disputes with credit bureaus as well ) my problem is how can it be accurate reporting when they aren't willing to admit to the credit bureaus that they some how didn't contact me as the primary loan holder? I have been back and forth with them for going on XXXX months about this and all they keep saying is they won't do a courtesy with draw of the reported late payment. My position is I'm not asking for a courtesy. I'm asking them to correctly identify that they did not contact the primary loan holder when the payment was in danger of being late. I would like to have the late payment with drawn as it was there loss of my information that led to them not contacting me. If I am truly the primary the fact that they spoke to anyone but me was a mistake on their part. The credit bureaus have taken over XXXX points from my score over this and flagship doesn't care that their mistake is causing me real life issues. I appreciate CFPB getting involved in assisting me with what very well seems like a violation of the fair credit reporting act. I say this because for them not admitting their clerical issue and that they never reported that part to the credit bureaus then they have not reported accurately.
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| 09/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I'm filling this complaint because XXXX XXXX XXXX because i had a car with them that was repossessed with them do to job cut backs in XXXX. I called them back in XX/XX/XXXX and i was told they no later have the account in their office. I was told to call XXXX XXXX XXXX that's who they sold the account to. I called them and i was told the account was inactive on XX/XX/XXXX and couldn't give me any details on the account that i should call XXXX XXXX XXXX for more account information. Once again i called them and they are still telling me contact XXXX XXXX XXXX for further account information. I called XXXX XXXX XXXX again and they keep telling me to call XXXX XXXX XXXX they both are giving me the run around and both companies are not claiming the debt so i feel like it needs to be removed from all 3 of major Credit Bureaus. When XXXX repossessed the car they came to a shopping center and took the car when i was in the store and i never received any paperwork from XXXX after they picked the up. I sent certified mail to XXXX XXXX XXXX on XX/XX/XXXX and i never heard back from them. I called XXXX again and the lady was really Rude to me and she told me to stop calling they no longer have nothing to do with the account anymore and to call XXXX XXXX Solutions and hung up the phone on me. XXXX has the account on all 3 Major Credit Bureaus showing the open but on the credit bureaus its shows Charged off as bad debt profit and loss write-off. This account should not show a pass due balance and all 3 credit bureaus show different high credit limit amounts and different open dates as well. XXXX is still updating this account with remarks and well which is affecting my credit score.
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| 08/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Good Evening : I am hoping you can help. I refinanced my vehicle on XX/XX/XXXX. I was promised a seamless refinance. I received the packet from XXXX in just a few days. I submitted the completed packet as requested to initiate the refinance immediately. For clarity my original lien holder was XXXX XXXX XXXX. My new lien holder should list XXXX XXXX Bank XXXX On XXXX, I contacted Flagship to inquire if the lien release has been sent as requested. They confirmed and stated my account was closed. More time goes by and I still did not receive a title with the correct lienholder. Starting in XX/XX/XXXX, I have contacted Flagship on 5 occurrences asking them to send my lien release to XXXX. They stated they mailed and faxed the lien release on several occasions. I started contacting XXXX in tandem with Flagship starting XX/XX/XXXX to current date ( many emails to them ). XXXX stated stated on XX/XX/XXXX We received your lien release, allow time for the state to process.
Since XX/XX/XXXX XXXX has stated : -Flagship will not communicate with us about your lien release.
-We are still waiting on your lien release -The lien release we received will work -The state ( MN XXXX ) will not accept the notarized lien release we have received -We need the original lien card or a notarized copy of the state form for refinance.
As you can see, I am receiving VERY different responses.
I work for the state. In fact, the part of the state that processes titles. A notarized statement ( from Flagship ) will work so I am not sure what the problem is. I am so beyond frustrated as I have contacted Flagship AND Upstart more occasions than I can count ( in writing and by phone ). I am so beyond frustrated I do not know what to do anymore. I refinanced so I was not paying 16.5 % interest and now I cant even get the correct title to my vehicle.
Please help me so these two banks can figure it out. I cant do anything without a title. Please help me.
I have only attached a few of my communications ( I have many ) I have had with Flagship and XXXX XXXX XXXX
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| 12/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Lender trying to repossess or disable the vehicle
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Web |
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On XX/XX/XXXX I went to a local used car dealership, " XXXX XXXX. '' I went in with a certain amount of money as I could spend. I had recently had a baby and needed the extra space for my family. I walked into XXXX XXXX filled out an application, brought pay stubs, etc. The guy seemed as though he was fighting to get me in a XXXX XXXX XXXX. I was told that I needed at least XXXX down to get the car, the car was newer than my XXXX XXXX XXXX. I was in desperate need and gave the XXXX dollars of my income tax money to get the car. The car price was around XXXX. When I finally looked over my contract after asking the finance company for a copy of my contract. I called and told them I never received it. They tried sending it a second time which I received via a test email. After, saying she would send it I received a blank email, to which I responded It was blank. I then received a call on XX/XX/XXXX, asking if I was going to reinstate the vehicle after they repossessed, it early morning on XX/XX/XXXX. I started looking at the payments made, and what was owed a total of {$2100.00} for 3 months past due and added {$630.00} to the {$2100.00} which leaves me at a balance of {$3500.00} to get the car back by tomorrow XX/XX/XXXX. I was shocked to see a balance of {$39000.00} on my contract for a XXXX XXXX XXXX. The amount I was financed said {$20000.00}. I was in shock I would have never agreed to that! I don't care. I had a vehicle, why would I put myself in {$40000.00} worth of debt? After calling them and complaining, they could not help me. Here I am now a hard-working mother of XXXX children without a vehicle, and I have kids to drop off as well as work to go to. Please someone just some advice! Also, I live in XXXX XXXX State and the interest rate I was given was 18.22 % I am just in such shocked people can do this. In this economy! During Covid? When I was a nurse risking my life every day just to find out I was scammed! " PLEASE, I AM BEGGING. '' XXXX XXXX was the loan for the XXXX and Flagship Credit Acceptance for the XXXX.
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| 03/29/2023 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I know that I am behind and doing all I can to catch up but Flagship calls almost each day. Almost each day that they call, they have called anywhere from 4-9 times daily within the month of XX/XX/XXXX alone. I have been communicating that I am doing my best to get this caught up and have already explained to them that the frequent calls are affecting my medically diagnosed mental illness. My fiance, XXXX, has been given authorization to speak with them due to the severity of the effect this has on my illness. Even when she or I have spoken to them they call the next day or two after speaking with them. We have expressed concern about this on different occasions ; the last occasion being around XXXX to XXXX. Even after making a payment we received repeated calls within less than a week from making the payment.
Also, originally I was told in XXXX that I would be eligible for a loan modification in XX/XX/XXXX but now I am being told I have to make 3 contractual payments before I can receive a modification. We made 2 payments 2 weeks apart but it still does not seem to be enough. In fact it seems the calls have increased even more since we made the payments.
The last agent that we spoke to on XXXX stated that there is a default on a medical extension and that the extension brought the loan current and that it is again 2 going on 3 months behind. We were told by the agent setting up the extension that it was not bringing the loan current at that time and that it was putting me only one month less behind so I am not sure what to believe.
I am trying my best to catch up but this is affecting my mental health extremely. I need help not to be bullied and harrassed.It will be helpful if the offer of modification from XXXX for XX/XX/XXXX is honored and the company does not continue to make so many excessive and abusive calls and voicemails. My references have expressed concern with excessive calls also. I would also like for them to not call any more of my references repeatedly because they have my contact information.
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| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Dear Flagship Credit Acceptance, Hello, I am contacting you to formally dispute the late payment charges levied against my account, specifically related to the late payments on my credit report for payments due in XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX for my Auto loan XXXX. I understand the importance of fulfilling financial obligations promptly, but I find it necessary to explain the circumstances surrounding the delay in payment.
As you are well aware, the COVID-19 pandemic has had far-reaching effects on individuals, businesses, and the global economy. Unfortunately, my personal and financial situation has been significantly impacted due to the ongoing pandemic, leading to unforeseen hardships around those months.The pandemic had caused disruptions in financial stability, leaving me with limited resources to meet all my obligations in a timely manner at the time. I also called to get assistance with customer service in making payments to catch up on those obligations and those late payments were still placed on my credit report.
I want to assure you that my intention has always been to honor my financial commitments, and this delay in payment is solely due to circumstances beyond my control. I have actively worked towards stabilizing my financial situation and have taken necessary steps to regain financial stability from that sickness, which has not caused anymore issues in my payments.
Considering the unprecedented nature of the COVID-19 pandemic and its widespread impact and the Hero Act Section 110401, helping consumers not have adverse affects on credit reports due to the pandemic. I kindly request that you review my situation and reconsider the late payment charges on my credit report and fees. I understand the importance of maintaining a good credit standing and wish to rectify this situation as soon as possible. It would be greatly appreciated if you could waive or reduce the late payment charges and take them off credit report, which would significantly alleviate the burden I currently face.
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| 11/28/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
Servicemember |
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XXXX XXXX XXXX overcharged me, even after requesting payment extensions, providing my XXXX XXXX Orders, and staying the interest rate and penalties were creating hardships.
As soon as I was notified I was XXXX to XXXX XXXX overseas, in a XXXX XXXX in support of a XXXX XXXX I contacted XXXX XXXX XXXX. I spoke at length with XXXX XXXX on XX/XX/XXXX via email XXXX, via phone XXXX, and XXXX Ext:XXXX. I emailed and faxed my XXXX and additional Financial Obligations that were impeding my payments.
Furthermore, I have emails that show I communicated I was XXXX in a XXXX XXXX, I was feeling stressed and harassed.
On XX/XX/XXXX XXXX XXXX, XXXX sent an email stating couldnt discuss via email, and asked me to call Additionally, emails in which XXXX XXXX XXXX stated on numerous occasions that they could not continue to discuss via email and asked me to call ( XXXX ) XXXX.
I XXXX with a XXXX XXXX in support of a XXXX XXXX. I was in a XXXX XXXX. I was originally told that once XXXX the payments would be suspended for the length of the XXXX XXXX. I also provided documentation that the penalties, late fees, and excess interest was causing a severe financial hardship.
( B ) during the period of military service, in the case of any other obligation or liability.
( 2 ) Forgiveness of interest in excess of 6 percent. Interest at a rate in excess of 6 percent per year that would otherwise be incurred but for the prohibition in paragraph ( 1 ) is forgiven.
The definition of an obligation as either a mortgage debt or any other obligation was an amendment established by 2203 of P.L. 111-289, effective XX/XX/XXXX.
( i ) for a change of permanent station ( I ) from a location in the continental United States to a location outside the continental United States ; or ( II ) from a location in a State outside the continental United States to any location outside that State ; or ( ii ) to deploy with a military unit or as an individual in support of a military operation for a period of not less than 180 days. ( c )
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| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX - Bank ( XXXX ) XXXX See an error?
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX FLAGSHIP CREDIT ACCEPTAN Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX XXXX XXXX FLAGSHIP CREDIT ACCEPTAN Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX FLAGSHIP CREDIT ACCEPTAN Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXXXXXX XXXX XXXX
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| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XX/XX/XXXXXXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX, MN XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I have not initiated any transaction with XXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection.
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Best regards, XXXX XXXX
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| 07/18/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I opened this loan in XXXX 2014 under car finance which sold to now flagship credit, during the whole course of my loan at an interest rate of 14 % the balance never goes down I have asked for an itemized statement on many occasions and the statement continues to be deceptive with what they see to decide at the time to post to principle on my last payment I paid XXXX I asked on the check to apply all to priniciple and instead my statement said interest I am now behind on the loan because despite trying to resolve my payments of XXXX to pay off the car I can not get an answer, As of recent I called on four occasions and no one returns my call I finally got a XXXX on the line yesterday she has now stated the car is out for repossession I said this is ridiculous I left several messages to get this account resolved she then stated if I paid XXXX it would bring the loan current and prevent charge off but it is out for repossession so you could still lose the car I said after almost three years of payments of XXXX over 13k my balance is only down XXXX ? she then says call me back by end of day, that was yesterday the XXXX I call back and get a gentlemen telling him I would be able to come up with the money he said LOOK XXXX THAT IS NOT HOW IT WORKS HERE I said excuse me XXXX said that was what we were working with I said please have her call me So she finally calls me around XXXX XXXX XXXX and I am with a client I told her I was going to pay the loan XXXX but needed till wednsday XX/XX/XXXX she said hmmmm that could be to late. I then get an abusive call at XXXX from XXXX ( repo ) he left me a message said the bank just wants the car back no payments from you. I call XXXX this morning XX/XX/XXXX and they tell me no one by that name works there What do I do? They are taking my pmnts and pocketing all the money not reducing the loan and now threatening my car to be taken away by strong arming me after hours The account number is you can XXXX
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| 04/30/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I had fallen behind on the payments for my car loan, and in XX/XX/2019 I was able to pay all past due charges, and fees. I had received a receipt of payment from the loan company and my account via their portal had updated to current. Several days later my car was repossessed, the company said they had previously issues a repo order and never cancelled it even after it was paid and current. They advised this was my fault for not calling their customer service dept to inform them of the payment even though you are directed to make payments through their portal. I was then given repossession fees I had to pay to their reinstatement department to have my vehicle released, and that they would have to be paid XXXX XXXX and I would have the car released once the payment was applied to my account for the fees. The fees came to a total of {$850.00}. I paid the fees, and the vehicle was released. I received an email saying that my next payment due date would be XX/XX/19. I logged into my account to pay in XX/XX/XXXX, but I had no bill due. I called customer service to make sure everything was in order with the account and was advised that yes, my next bill was actually due XX/XX/XXXX due to the restructure and payment I made prior to the car being repossessed. In XX/XX/XXXX I received a bill for {$450.00}. I logged into my account to see what this was because my normal payment is only {$350.00} It was listed as a miscellaneous fee, I called customer service and was told this was a repossession fee added in XX/XX/2019. I said that cant be correct, the issues with the car were in XX/XX/XXXX and I paid these fees. I asked to have the reinstatement dept reevaluate the fee, as I had proof of payment. I recieved another bill with the {$450.00} still on the account and now an additional misc fee of {$150.00} added in XX/XX/XXXX. My statement for XX/XX/XXXX is {$530.00}, again no explanation for what these added fees are. They are asking for {$1100.00}, when I should owe {$350.00} for XX/XX/XXXX.
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| 10/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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|
Web |
Servicemember |
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XX/XX/2019 The Complaint against Flagship Credit Acceptance : I am filing a complaint against the finance company named Flagship Credit Acceptance for their unethical practices. They worked in conjunction with XXXX to finance this car unlawfully. First scenario is that the contract is broken and inconsistent. We only signed a contract that states XXXX as our creditor not Flagship Credit Acceptance. Additionally, the rates and payments are different from the original and only contract we signed with XXXX versus the invoice Flagship Credit Acceptance sent nearly 20 -30 days later after the ordeal. Flagship typed up an invoice letter with a date that did not even match the date we received the invoice. We asked the dealership multiple times for the name of the finance company but they just said the company would get in touch with you! They knew if they gave us the Finance company name we would contact them and tell them not to do the deal. When we finally got the 1st invoice we called them and immediately told them not to do the deal. They said emphatically no ; and that they already paid XXXX and that we owed them. I am XXXX years old and financed multiple cars in my life and in every instance the finance manager always let me know what finance company would be financing the car and when they would be calling to go over the interest rate and the payment amount. Most importantly they adamantly stressed to let the finance company know you WANT THE CAR because if not they will not finance the car. In this case, they did not do that, they did not call us and verify the rates and terms they just sent and invoice that did not match the contract we originally signed therefore making the contract void. We have repeatedly asked Flagship Credit Acceptance to provide a signed contract that showed we agreed to their terms of the invoice and they refused. Iam asking for the XXXX dollars they forced on us unlawfully and the removal of this account off our credit report.
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| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXX XXXX XXXX - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately USD XXXX to XXXX.
Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered.
So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX.
I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only 1 inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all.
At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process.
Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
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| 05/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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***THERE WAS A TYPO IN PREVIOUSLY SUBMITTED CASE : XXXX : IN GOOD FAITH, I AM RE-SUBMITTING THE CASE. THESE ARE NOT NEW ISSUES FROM THE PREVIOUSLY SUBMITTED CASE. *** Flagship Credit Acceptance LLC, ( Flagship ) is a corporation with principal offices at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX. Flagship is a creditor who, in the process of collecting the reported debt, altered its name and account numbers which indicates a third person is collecting or attempting to collect such debts and is therefore a debt collector as defined by 15 U.S.C. 1692a ( 6 ).
XXXX : I did NOT receive an installment loan from Flagship with payment terms of 1 month. XXXX : I did NOT receive an installment loan from Flagship on XX/XX/2013 with a 68 month repayment term. I did NOT receive an installment loan from Flagship on XX/XX/2013 with a 68 month repayment term.
Flagship violated the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ) by continuing the Flagship Vehicle Debt Account representation within my credit file with the Credit Bureau XXXX and by failing to permanently and lawfully correct its own internal records to prevent the re-reporting of the Flagship Vehicle Debt Account representations to the consumer reporting agencies. As a result of this conduct, action, and inaction of Flagship, I suffered damage by loss of credit ; loss of the ability to purchase and benefit from credit ; and the mental and emotional pain, anguish, humiliation, and embarrassment from losing my job due to the inaccuracies. I have disputed Flagship multiple time and successfully removed the incorrect/unverifiable information from 2 out of the 3 consumer reporting agencies. As a result, Flagship altered the account number to make it look at though I have 2 charged off accounts. The furnisher has not been able to provide 100 % accurate documentation and used deception to try to collect on this debt. I am requesting these aforementioned accounts be deleted from my credit profile.
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| 02/09/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX. XXXX XXXX XXXX GA XXXX XX/XX/2021 RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by Flagship Credit Acceptance in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see you have my account listed as a Derogatory and Charged off account. This account has already been disputed and removed from my XXXX credit report due to inaccuracies.
I challenge the accuracy, compliance and reportability of this listing.
Please validate this information with Flagship Credit Acceptance and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : XXXX XXXX XXXX Cc : XXXX XXXX XXXX
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| 10/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Unfortunately, this past year I have been going through a lot of medical hardships. On XX/XX/2020 I had to have a medical XXXX, which has pretty much up to the day, gotten worse, when we thought the XXXX was going to fix the problems that I've been having. I had to have XXXX XXXX XXXX on the XXXX of XXXX, and actually after my procedure I've dealt with more problems in my XXXX and XXXX XXXX XXXX and not allowing me to work and have continued medical visits and problems. Therefore I haven't been able to satisfy paying my bill. While I do appreciate Flagship working with me as much as they have, the account as of XX/XX/2020 has reached the point of were the communication between Flagship and I have gone sour and the threat of repossession of the vehicle. Unfortunately I found out on XX/XX/2020 that I have now the diagnosis of XXXX XXXX and now have to see an XXXX XXXX to discuss further treatment and options.
While I understand that Flagship does want payment, I feel forced to give them a date, to try and make a payment, when I can't work, because I fear the constant of them talking about repossession of the vehicle.
I've even had a couple of their representatives state that and in addition I've had one representative state I've been driving thr vehicle for free to my medical appointments.
I called Flagship as soon as I found out my new diagnosis and told them. I would love to be able to work something out, however due to medical problems and being out of work payment isn't an option on the account, due to the continued nature of my medical problems. I've even offered to fax over paperwork showing my medical problems and they've said that isn't necessary.
The last conversation I had today XX/XX/2020 with Flagship was without payment it comes down to them getting ready to repossess the vehicle because the account is behind by four months. I unfortunately can't make payment as I've stated to them due to my inability to work.
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| 01/20/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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This complaint is the dishonesty of Flagship Acceptance Corporation, LLC and the predatory lending practices. XX/XX/XXXX I purchased a XXXX. purchase price was {$19000.00} with a 13.49 % interest rate payments of {$390.00} per month with a 72 month loan term. If Flagship records their calls as the claim to, Flagship would find that I 've asked over a numerous times about lowering the 13.49 % and I was told Flagship does not change the terms of their loans. Also I received a letter response from XXXX basically saying the same thing. I tried to get the vehicle refinanced to avoid paying {$28000.00} for a {$16000.00} vehicle because the XXXX is considered a used vehicle and is difficult to refinance because the interest rate caused me to be underwater in my loan. Although I paid late due to situations beyond my control. From XX/XX/XXXX to XX/XX/XXXX Flagship received over {$7700.00} from me and I still owe {$17000.00}. I received a call from XXXX office XX/XX/XXXX regarding my amount due and interest rate and Flagship agreed to drop the interest rate to 8 % payment {$330.00} with the a 72 month term. When I informed Flagship that I filed chapter XXXX the representative told me that they will not go lower than 8 % I asked if she could submit a request for a lower interest rate. My lawyer XXXX Esq.receive a letter from Flagship agreeing to drop the interest to 4 % and reducing my payment by {$2.00} per month 72 months. The blue book value of this vehicle is {$8000.00} and if I surrender the vehicle that the only amount legally that Flagship could sell this vehicle, yet they want me to pay {$17000.00} for this vehicle. In my opinion this is not an ethical business practice similar to the pay day loan/cash advantage trap. Also Flagship Credit Acceptance LIED when they say they Flagship will not under no circumstances lower the interest rate and change the terms of the loan. A new interest rate a monthly payment was changed was offerred twice
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| 01/10/2024 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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Subject : Urgent Assistance Needed : Misleading Information and Financial Struggles Due to Car Purchase I hope this message finds you well. My name is XXXX XXXX XXXX. I am writing to address a concerning situation since I purchased a vehicle from your dealership ( Own a Car in XXXX ) in XX/XX/XXXX, with XXXX XXXX as the sales representative.
During the purchase process, XXXX XXXX assured me that I could refinance the truck within six months, a crucial factor in my decision, as I needed the vehicle to assist my daughter in moving to XXXX for college. Unfortunately, the information has proven false, leading to significant financial strain.
The interest rate on the loan is excessive, resulting in monthly payments of {$1500.00} and a current payoff of {$43000.00} as of XX/XX/XXXX. Despite my efforts to explore refinancing options with various banks, I have encountered significant challenges. The loan amount is mismatched with the actual value of the truck, making it difficult to secure a more reasonable loan or refinance.
I have also attempted to explore trading in the vehicle, but this has resulted in negative equity. Regrettably, both XXXX XXXX XXXX XXXX XXXX and Flagship Credit Acceptance, the loan company involved, have not yet cooperated in finding solutions to lower the payment and percentage of the loan.
I am reaching out to find an amicable resolution to this matter. I aim to secure a loan of at least {$800.00}, providing some relief from the financial burden imposed by the current terms. I am open to discussion and negotiation to find a fair solution for both parties.
I request your attention and assistance in resolving this matter promptly. Your cooperation is crucial in alleviating the financial strain I am currently facing. I appreciate your prompt attention and look forward to a positive resolution.
My current percentage is 26 % ; a banker said it is like a credit card percentage.
Humbly, Sincerely, XXXX XXXX
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| 12/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I settled this account back on XX/XX/XXXX however, XXXX has failed to update my credit report after 2 months to show a {$0.00} balance is owed.
I received a confirmation that my settlement was processed successfully by XXXX XXXX XXXX payment service.
See below.
From : XXXX Date : Mon, XX/XX/XXXX at XXXX AM Subject : Payment Confirmation To : XXXX Dear XXXX, XXXX, Thank you for using the XXXX XXXX XXXX XXXX XXXX. This is to confirm your authorization, on XXXX XXXX at XXXX, for electronic debit from your funding account payable to XXXX XXXX XXXX. The following account ( s ) will be paid, in the total amount of {$4900.00}.
Account Number : XXXX Confirmation Number : XXXX Effective Date : XXXX XXXX Payment Amount : {$4900.00} The payment will be completed on effective date or shortly thereafter.
Thank You, XXXX XXXX XXXX RIGHT TO REFUND " If you, the customer, are a resident of California, you are entitled to a refund of the money to be transmitted as the result of this agreement if XXXX XXXX XXXX XXXX does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to XXXX Payments, Inc.* at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorney 's fees pursuant to Section 2102 of the California Financial Code. '' * XXXX XXXX XXXX XXXX is a third party vendor facilitating the money transfer on behalf of your service provider.
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| 01/09/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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|
Web |
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I am a new customer with Flagship Credit Acceptance. I recently tried to call over the course of a week to get a hold of someone to request a change of my due date. Every time I called I was asked some kind of long drawn out survey and had to wait for that to finish before I could use the prompts to get to customer service. I was then placed on hold for a very long time and eventually had to hang up as I had to return to work. When I finally connected to a customer service rep, I was told my account was not current so I was unable to change my billing due date until my account was current. Keep in mind I have never been late and pay on time. I mailed my check to them over two weeks ago, but somehow I am not current. I then asked for a supervisor. I was put on hold again for almost a half an hour. When the manager answered he quoted policy and stated he could not switch the due date. He then told me of the various ways I could pay. I stated I had already sent the check in and could not log in to their website as it was asking me for an office number that was never provided to me. When I asked him for that information since he was not going to help with my due date, he told me I had to call customer service and provided me with the same number I had just dialed to get him. He was rude and argued with me the whole time and made me feel like I was the person in the wrong when I am the customer and well within my rights to call and ask for something. I asked him when was the ideal time to stay out of violation of policy to call and get my due date changed, and the manager could not provide me with an answer. I have never been more dissatisfied with a financial company that I am with this XXXX. They are rude bottom feeders. I was set up with them through the car dealership. Considering all the money in interest they make on just me alone, I would suggest someone never does business with them ... .ever ... under no circumstances.
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| 04/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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XX/XX/XXXX, I offered XXXX XXXX XXXX an application for a XXXX XXXX XXXX XXXX for {$20000.00}. XXXX XXXX XXXX accepted my application and used the credit card information listed. They then asked me for a substantial down payment for a credit transaction. XXXX XXXX, the locations Finance Specialist, mentioned the Truth In Lending Act stating any private information given to the branch is to be held for 7yrs. The Truth In Lending Act also states that the finance charge shall be determined as the sum of all charges payable directly or indirectly by the person ( natural person or an organization ) to whom the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. I literally extended, according to the Truth In Lending Act, two of my credit cards to an organization for the purpose of obtaining personal property. It was I who extended the initial credit. XXXX XXXX XXXX failed in their responsibility as a financial institution or an institution-affiliated to borrow the funds/credit ( redeemable from Federal Reserve Notes ) XXXX I asked for my application back as it yielded me nothing but heartache and new inquiries onto my Consumer Report, none with my permission which is illegal. Refer back to what XXXX XXXXXXXX said. I asked for the banks that also used my information ( 5 total excluding XXXX XXXX XXXX ) while I did not benefit at all. XXXX XXXX was polite enough to indulge my request. He then gave me XXXX XXXX XXXX adverse action letter. I asked XXXX XXXX if he could show me where in the Truth In Lending Act it stated private information must be kept on file for seven years, he responded by saying he wasnt a lawyer. They are all guilty of Unauthorized Use.
After receiving the banks information, I called Flagship and asked if it could be reversed and they could push it through, since they used my information. XXXX stated it was unfortunate that they could not.
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| 07/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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To Whom It may Concern, Hello my name is XXXX XXXX and my car finance company Flagship credit acceptance is giving me nothing but problems. Due to Covid-19 I am unable to pay the full amount of my car payment as I am on furlough from my job. So when this all happened I asked them to pushed my payments back. They did that for XXXX payment. So XXXX came around and I talked to an agent name XXXX and she said we can't push anymore payments back you need to pay. I said I can't pay XXXX dollars a month right now and neither can my husband. Not to mention they charge a processing fee. But XXXX said I can do something that you don't have to pay for like 6 months. She took all my information down and submitted that. And that was on XX/XX/XXXX. She asked what I could afford and i told her between $ XXXX a month. She said ok thats fine. Fast forward to XX/XX/2020, I get another phone call from XXXX she is at the head quarters in XXXX, Pa and stated we need more information for this trip loan is what they called it. I said ok and I gave her all the information. She put this information in again. So on XX/XX/2020 I called and a agent answered said that she needed to look at the notes on the account. Im waiitng for her to answer. She is popping her gum, kids in the background screaming. She puts me on hold and next thing I know I am getting another agent on the line. I got XXXX and he straight up told me " You were lied too '' meaning that there was no trip loan. Well I wasn't happy customer. I started recording them. Because I feel that this company is ripping people off and they aren't very consistent with everything. So XXXX had transferred me to XXXX who was a manager and he said that he could extend another payment for XXXX. I said ok thats fine and I paid XXXX 's amount that was owed. However I felt like I am being scammed. No one wants to refinance my car. They said they can't refinance the car which I know they can.
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| 12/08/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
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Web |
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On XXXX/XXXX/XXXX I received a phone call from my neighbor that a tow truck had pulled through my fence and into my yard to tow my car. Because I was behind on my car payments I phoned XXXX XXXX who had merged with my original loan company named XXXX in XXXX. The original loan was with XXXX in XXXX. When they merged I only received XXXX billing statements over XXXX XXXX years. I sent payments with old statements or just a check or through XXXX XXXX.
When I called on XXXX/XXXX/XXXX, They had no idea or documentation regarding the repossession, and could not answer why I did n't get any letters about the intended repossession. I was asked to call back in XXXX hours. After calling back and speaking with different people and different departments through out several calls the dame day, I was told that I would have to pay a total of {$2800.00} or a minimum of {$2600.00}. On the same call I was told if I pay XXXX of the XXXX due payments I could get my car back. Earlier I was told that this would n't include fees because they had n't been determined yet. However, when I called back on XXXX/XXXX/XXXX I was informed that I had XXXX pay {$3500.00} ( the total amount of the XXXX back payments Plus the late fess, tow fees, and repossession fees. This was contrary to what I was told a day earlier.
In addition, I explained to every agent that I have not worked full time since XXXX XXXX, and that I had filed for Federal Social Security XXXX. I asked several times to refinance the loan. They refused each time.I even asked on XXXX/XXXX/XXXX, only to be denied. Finally, I should have received notice of pending action by the company regarding intended repossession.. Also, I should have received statement each month after the merger. No one could explain why I had n't got any correspondence. They said they 'd did n't have the change of address I made on my XXXX payment, but they had the right address to repossess the vehicle.
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| 08/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Date of inquiry Credit Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 12/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/XXXX, I received an email from XXXX XXXX telling me that a new hard inquiry showed up on my credit report and that it lowered my score. I was very shocked at this because I had not done any recent activity that wasnt already reflected on my credit report, and so I went to investigate. I received a hard inquiry on XX/XX/XXXX by a loan company called Flagship Credit Acceptance, a company I had never heard of or used before. I was looking into personal loans a couple days prior to this, but I NEVER submitted a formal application to any company, much less a company Ive never heard of before.
I emailed Flagship Credit Acceptance on XX/XX/XXXX and asked them to dispute this unsolicited hard inquiry with the XXXX XXXX credit bureau so that my credit score could return to what it was before they wrongfully affected it. I was quite upset at this and so I also decided to call Flagship Credit AcceptancXXXX on XX/XX/XXXX to try to resolve the issue sooner. Flagship Credit Acceptances phone line requires you to have an account made with them in order to speak to a customer service representative. Now, as I said before, I have never been associated with or used this company so of course I do not have an account with them, and so I was unable to speak to anyone to get this problem fixed.
Flagship Credit Acceptance finally emailed me back on XX/XX/XXXX, but apparently they are not allowed to discuss certain information through email and they said that I had to call them. Verbatim the email said : Thank you for your recent email. Flagship Credit Acceptance does not have a secured email. For the protection of our customers and Flagship we are unable to email information. Please contact customer service at ( XXXX ) XXXX.
This is the exact number I had called the day before, so obviously this company is putting me through a loop that is preventing me from reaching them.
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| 03/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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XX/XX/XXXX To Whom It May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX regarding a listing on my credit report. This response is in reference of a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested involving an unknown creditor listed as XXXX XXXX on my credit file. I continue to dispute all referenced matter from any company named above. The dates they provided were a conflict as my residence was in the state of Texas. I have never contacted anyone form this company.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. I have never entered into any contract with your agency. The information submitted provided non substantial evidence of any contractual matter between the above mentioned and myself.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, 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 in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. I am requesting all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX
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| 01/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I have some various inquiries in my credit accounts. All 3 XXXX XXXX XXXX and XXXX. I am trying to sign up for a mortgage, so I need to fix my credits. XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with XXXX XXXX is : XXXX. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX XXXX XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. XXXX - Inquiry from XXXX XXXX, XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
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| 07/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Due to the vehicle 's continued safety risks with turning off while driving which locks steering wheel we attempted from XX/XX/XXXX ( 35 days post purchase ) till XX/XX/XXXX to have it fixed through the extended warrenty purchased through the dealership. Every month it was in for the same issue with no remedy found or even the issue. We worked with the lender to voluntarily surrender the vehicle due to safety risk, but were unable to have it deemed. Lemon due to it being a used vehicle at time of purchase. The creditor stated it would show as a voluntary surrender " showing better than a reposession ''. The vehicle was sold at auction and we were informed we had a balance remaining to the lender. 3 debt collectors immediately reached out for payment, none of which had my name as a loan holder so they would not speak with me. XX/XX/XXXX I recieved a call stating I had a court summons due to the outstanding balance. I paid the amount due that day as they called to speak with me. I recieved a notice that the debt was paid in full which was shared with the 3 main credit bureaus. XX/XX/XXXX the account showed paid in full with a zero balance on all 3 major reports. XX/XX/XXXX flagship credit acceptance ( the original loan holder ) reinstated the account details to show the full balance still outstanding. I contacted the representative that I paid the balance through who assured me the account was closed with a paid in full balance and offered to resend the paid off status of the account again to the major bureaus. No chance has been made, I contacted XXXX today who informed me that the dispute on the account balance has been denied as Flagship says that I owe them so case closed. There is no consumer protection in this fashion if they simply take the word of the creditor and not accept the pay off notices that they had already accepted this year.
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| 05/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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Defendant Flagship Credit Acceptance LLC, ( Flagship ) is a corporation with principal offices at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX. Flagship is a creditor who, in the process of collecting the reported debt, the altering of its name and account numbers which indicates a third person is collecting or attempting to collect such debts and is therefore a debt collector as defined by 15 U.S.C. 1692a ( 6 ).
XXXX : I did receive an installment loan from Flagship with payment terms of 1 month.
XXXX : I did not receive an installment loan from Flagship on XX/XX/2013 with a 68 month repayment term.
I did receive an installment loan from Flagship on XX/XX/2013 with a 68 month repayment term.
Flagship violated the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ) by continuing the Flagship Vehicle Debt Account representation within my credit file with the Credit Bureau XXXX and by failing to permanently and lawfully correct its own internal records to prevent the re-reporting of the Flagship Vehicle Debt Account representations to the consumer reporting agencies. As a result of this conduct, action, and inaction of Flagship, I suffered damage by loss of credit ; loss of the ability to purchase and benefit from credit ; and the mental and emotional pain, anguish, humiliation, and embarrassment from losing my job due to the inaccuracies. I have disputed Flagship multiple time and successfully removed the incorrect/unverifiable information from 2 out of the 3 consumer reporting agencies. As a result, Flagship altered its number and account number to make it look at though I have 2 charged off accounts. The furnisher has not been able to provide 100 % accurate documentation and used deception to try to collect on this debt. I am requesting these aforementioned accounts be deleted from my credit profile.
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| 09/22/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I previously submitted a complaint ( XXXX ) against Flagship Credit Acceptance , I uploaded all of the documentation including correspondence to them and from them, copies of my affidavit of facts which was notarized, and green receipts, to which they replied my request was frivolous, they said this dispute was previously investigated which in fact wasnt, and they also stated that they reasonably believe that my dispute was prepared for me by a credit repair organization. I am a consumer and I know my rights, I do not need a freaking organization to fix what is not broken, Flagship has violated my consumer rights and I have found the violations, I have stated my demands, and I have sent a copy of my bill of particulars that I am owed. This needs to be resolved now, this company is taking full advantage of consumers that do not know their rights and now I am aware of mine and will continue complaining about their violations without the need for any help from no credit repair organizations, which if Flagship keeps mentioning I will educate them how credit repair organizations also violate consumer rights. I feel offended at the fact that I can not use the appropriate verbiage and/or cite codes because Flagship deems it frivolous. Flagship is a fraud, has caused me emotional stress, has caused me money and hardship, they need to be held accountable for their false advertising, false and deceptive forms, I AM A CONSUMER AND I AM EXERCISING MY XXXX RIGHTS THAT FLAGSHIP HAS DECIDED TO CALL XXXX FRIVOLOUS.
I have done my administrative process, I have my exhibits and if this is not resolved through CFPB I will gladly scale this to court and continue my process until I get my remedy.
THE UPLOADING PROGRAM DOES NOT LET ME UPLOAD ALL OF THE DOCUMENTS AND EXHIBITS BECAUSE IT IS LARGER THAT THE ALLOWED SIZE
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| 12/12/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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Myself and My husband mailed a debt validation request to XXXX XXXX XXXX via certified mail that was received by them on XX/XX/XXXX. We submitted the request after reviewing our original contract and recieving a default letter on XX/XX/XXXX and seeing that XXXX XXXX XXXX was not the listed creditor on the original car loan contract and another creditor was listed. We also spoke with the original creditor listed on the contract XX/XX/XXXX and they had no record of XXXX being assigned to the loan and neither did the dealership the car was purchased from.After speaking with XXXX representatives on several occasions regarding my concerns XX/XX/XXXX. OnXX/XX/XXXX i offered to hold all funds in a trust or court account to prove I do have intentions in paying once validation is received. The offer was refused.XX/XX/XXXX we were notified by phone representative that XXXX will not be responding to our request and will " prove ourselves by repossession and we do n't have to send anything other than a bill ''. I then responded to the representative stating that if they do not respond with proper documentation by the XX/XX/XXXX deadline they will have to cease any collection attempts and credit reporting. The representative stated that they can just come get the car and they do n't have to prove anything. They will take a payment and I can wait out the XX/XX/XXXX deadline for response if I wish. I complied with a payment of XXXX only because I realized they were willing to go around my rights, but made it clear that I was not in agreement that this was a valid debt and I still wanted validation. This arrangement was made to put the account on hold in their records until XX/XX/XXXX. Without validation who is to say that another company ca n't come along and say I owe them instead and they too can repossess.
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| 01/03/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I refinanced my car with Flagship over a year ago, I went through the application process and sent you all the information required and you in return paid my loan with XXXX XXXX. My first car payment was not due until early 2016. During that time I was told that I could only change my due date only once and it will remain the same through the life of the loan. I did change the due date to the XXXX to accommodate my pay schedule. After I made that change my company decided to change our pay periods without giving us notice. I called customer service to have the due date changed to accommodate my new pay schedule, the representative said I had already changed it and I could not change it again.
Now my issue with your company is that first I did not receive a copy of the contract that I signed and I have been unsuccessful in obtaining that. Second, I feel that a customer should be given the courtesy to change there due date at least once time a year but your policy does not allow that. Third, I am getting charged late fee every month when I make my car payment and no one in your customer service department has not been able to explain what amount I am being charged.I cant afford to keep paying late fees plus my regular car payment. I explained to the rep I can make my car payment on the XXXX of the month and she told me that would be noted. I am continually getting up to XXXX customer service calls a day from your company and they are the most disrespectful human beings I have ever encountered. I trust this is not the way your awful company conducts business with valued customers.
I am completely mortified with your companies polices, bad customer service and the interest and late fees. I regret ever refinancing my car with your company. I never had these problems with XXXX XXXX.
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| 05/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I am XXXX XXXX XXXX, and I am a federally protected consumer, and I am very disturbed and that Flagship Credit Acceptance has been consistently getting away with fraud and willingly and knowingly lying and violating my consumer laws. The illegally reposed my vehicle in after I sent cease and desist letters twice. Also, this account is not reporting on my Consumer reports as a Repo so that a violation also. It is reporting as a charge-off.
Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts.
Flagship Credit Acceptance is basically debt parking this account and this is illegal. This is direct violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This means they are advertising sale of property or any means of value in order to obtain payment for the alleged debt. The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission.
I never received any of the documents listed below : Contract before the sale Deficiency Documents Redemption Documents Finance Documents This is illegal and they continue to do whatever they want and ignore letter that I sent them. As a result, there are so many VIOLATIONS & FRAUD that Flagship credit Acceptance have committed fraud willingly and knowingly. Also, this automobile was taken without my PERMISSION, that is GRAND THEFT AUTO. These credit reporting agencies need to be held accountable.
Please take this matter serious and I look forward to your respond.
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| 12/31/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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Flagship credit acceptance Corp is a fraudulent company the license needs to be pulled they operate in an attempt at directing any problems as an option for themselves for repossession they say one thing and pledge one thing but they do something different and then they document something amongst themselves in total contradiction of their assurances and actions and then submit that to the agencies to whom they have been reported to dupe and deceive those agencies with grandiose assurances all based on falsehood and document alteration over 2 months customer has been trying to get a call back from an appropriate representative and here it is it's been over 2 months and there still has been no supervisor or appropriate representative to contact the customer but they have well documented that they have the company is a deceptive company that can not be trusted they promised the me that payments were being pushed or put to the end of the loan then another person calls and has no idea about that promise then another person calls back and tells me make a payment and then we'll put the other ones to the end of the term then someone else calls back who says there are no notes but then they start reading on notes which serve an altered version of the companies misdirected agenda a simple problem which covid caused could have been fixed but because of the malingering of this company and its lack of viable contacts although they have a easily accessible number and a pledge as the same they have no supervisor who has called me back yet. A fair resolution would be the company removed from my credit but let a past 30-day payment that they have on my credit and that they honor what they pledge to move the payments to the end of the term and that they have a viable representative contact me.
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| 09/20/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
Servicemember |
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I purchased a vehicle at a XXXX dealership. The payment due date was set up there. We asked the salesman if he could get it on the first of the month. He told us we could set it up on the XXXX when we get paid with the Financial company called XXXX XXXX. We signed the deal. Immediately after we contacted the company and explained we wanted the payment due on the XXXX when I get paid my XXXX check. They stated they could only extend it to the XXXX, however that would not be a problem because we had a 10 day grace period with no charges. Then without warning sometime later Car finance no longer had the loan and a Flagship Credit Acceptance had it. I noticed they had been charging me late fees after we payed the payment. I talked to them multiple times and they would not even hear my complaint. They gave NO regard to my explanation. I have also noticed my payments have not gone down as they should and I have no idea whats going on. I have repeatedly asked for a breakdown of charges and they absolutely refuse to show me anything on paper. I am so up set with this company and I know i have been taken advantage of Financially. I have a Case pending with the Florida Office of financial regulation. Case number XXXX. The company will not even respond to them according to the person who is handling my case. I feel strongly I must elevate this to another level so I can get the answers and monies I feel are owed to me due to the inaccuracy of this transfer as I believe it is very wrong. I feel they are exploiting me because I have a XXXX. I am a XXXX veteran and I can do nothing. The payment interest is something I never understood when I signed these papers. Its seems very wrong that I am paying my payments and not allowed to even know what the principle is and how it was applied.
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| 04/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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We have had problems with XXXX XXXX XXXX for years. We have never missed or been late with a payment. We make a {$100.00} payment automatically deducted from our account, and have never varried. These payments have not been applied correctly to our account, resulting in them accusing us of missing and late payments. On At least two occasions we have had to research our accounts and go through our payments to provide copies of the front and back of each check. After we have provided this information they corrected our account to match the true payments made. We have had a terrible problem with their customer service and have not been able to get a single point of contact resulting in hours and hours of repeated conversations. Our first set of checks were sent to them in XXXX of XXXX, and finally again XXXX of XXXX. I have all of the information that I have sent to them if you are interested. This month, while our paperwork was accepted, they filed on our credit report that we were 30-59 days late with our payment. We disputed with the agencies and called the company but they reaffirmed the late payment, not to mention that the overall balance listed was higher by about {$1000.00} than what we really owed. I am tired of fighting with them only to have innacuarate information posted to my credit report while they know this has been a problem with their accounting. If we had not checked into this problem they would have kept our money and never applied it to our account. To me that is fraud and considered illegal activity. I have attached a photo of our account statement showing a negative balance due. This is not because we suddenly paid extra money. This is because they correctly applied the money we have already paid, every two weeks since the inception of the loan.
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| 08/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I contacted Flagship Credit Acceptance on XXXX, XXXX XXXX and put in a request to voluntary Surrender my XXXX XXXX XXXX. After, speaking to the Flagship representative I was told a supervisor would give me a call back within 72 hours. I waited until Friday XXXX, XXXX XXXX and spoke to a male representative and explained my situation. I was then placed on hold and was told the representative I spoke with on the XXXX of XXXX took down the information incorrectly and he would update my information and a supervisor would call me back within 48hours and/or Monday. I waited until Tuesday, XX/XX/XXXX and spoke XXXX, another representative who placed me on hold twice while she spoke to the supervisor. XXXX, then stated that a supervisor will give me a call back, and she do apologies for the lack of communication. I stated to XXXX just as I did with the other callers that I'm turning in the plates and I reside in a Apartment Complex and do not have the space to put the vehicle once the plates is removed. XXXX the representative from Flagship stated the she would document everything XXXX telling her for a supervisor to give me a call back. Today is XX/XX/XXXX, I called Flagship and spoke to XXXX another Flagship representative at XXXX and requested to speak to a supervisor after once again explaining my issue since XX/XX/XXXX as usual I was placed on hold. A supervisor by the name of XXXX XXXX came on the phone at XXXX and ask me if I can sell the vehicle or would I like to have the payments lowered because I'm currently 9 days past due. I told him no, no one wants to buy it due to the interest rate and I've been dealing with this since XX/XX/XXXX. Mr. XXXX then stated he would mail the Voluntary Surrender Waiver forms out to my phsyical address.
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| 10/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Upon reviewing my report, I discovered two hard inquiries that were not authorized by me. I would like to request the removal of these unauthorized inquiries from my credit report as they have the potential to negatively impact my creditworthiness.
These unauthorized hard inquiries appear on my credit report as follows : [ XXXX XXXX XXXX XXXX XXXX Inquiry Date : [ XX/XX/XXXX ] [ XXXXXXXX XXXX XXXX XXXX ] - Inquiry Date : [ XX/XX/XXXX ] I have not initiated any business transactions or applied for credit with the mentioned companies or institutions on the respective dates mentioned. As a result, these inquiries are not only unauthorized but also inaccurate, and I am deeply concerned about their presence on my credit report.
In addition to the unauthorized hard inquiries, I would like to bring another matter to your attention. I have recently filed a report with the Federal Trade Commission ( FTC ) regarding potential identity theft, as I have been receiving mail pertaining to vehicles I do not own. This suggests that there may be fraudulent activity associated with my personal information, further underscoring the urgency of addressing the unauthorized inquiries on my credit report.
I kindly request your prompt attention to this matter and the removal of the unauthorized hard inquiries from my credit report as soon as possible. I have attached a copy of my FTC report for your reference.
Please inform me of the actions taken to rectify this situation and provide written confirmation once the unauthorized inquiries have been removed from my credit report.
Thank you for your prompt assistance in resolving this issue. I look forward to a swift resolution and maintaining the accuracy and integrity of my credit report.
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| 01/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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I was looking at a copy of my consumer report and noticed some late payments being reported by Flagship Credit Acceptance by law that should be on my consumer report. 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. This is how a consumer report should look by law and it doesn't say late payment to be on there in ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; it clear states transactions which late payments are should be excluded from my consumer report. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. It is your duty to provide accurate information so i ask that the late payments on the account are updated to show OK or Paid as agreed
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| 12/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
|
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Web |
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I had previously filed a complaint against Flagship Credit Acceptance. For issues in struggling due to Covid-19 pandemic. We were reached by a representative two days after we filed our first complaint, in which we made an agreement to make a payment. We agreed to make a payment on XX/XX/2020 in the amount of {$440.00} and then we would make another payment on XX/XX/2020 in the amount of {$440.00}.
I did have to delay the XX/XX/2020 payment because unfortunately I started having the symptoms of Covid-19. I was tested on XX/XX/2020 and came back positive for Covid-19 on XX/XX/2020. I was required to quarantine for a period of time, as required by our local CDC. I did, contact Flagship to let them know about it and told them, unfortunately, I wouldn't be able to make the second payment. They did put in for the Covid-19 relief, which they deferred one month. Then we promptly set up a new payment arrangement date for the second amount of {$440.00} to be paid on XX/XX/2020, as I didn't get to even go back to work until XX/XX/2020, because of my quarantine time. ( If paperwork is needed to show proof I can submit that in addition ).
However, even though we had a new payment arrangement agreed upon. Flagship Credit Acceptance has been calling family members listed as reference on my application asking them for payment on my account. They contacted my mothers phone number on XXXX XXXX, XX/XX/2020, XX/XX/2020 and XX/XX/2020. Harassing her for payment on the account, even though they have my phone number to contact me directly. At this point, it is becoming unbearable of their account representatives making harassing phone calls to obtain payment, even though we have an agreed payment date for the account situation.
,
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| 06/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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This dispute is for a XXXX XXXX XXXX. Flagship Credit was the lender. This vehicle is listed on my credit report at {$18000.00} balance amount purchased on XX/XX/XXXX. This vehicle had several expensive repair issues within the first year of purchase. I spent thousands of dollars on auto repairs. I even asked the dealership for help and they ignored me. I surrendered the car in XXXX of XXXX after the engine went completely out. The cost to repair the engine was more than the value of the car. I surrendered the car back to Flagship Credit, and they sold the car at auction. The selling price was {$2700.00}. All of the payments that I made on the vehicle were mainly used towards interest rates, which kept my principle payments nearly nonexistent. Flagship Credit charged me an astronomical interest rate on a vehicle that was obviously not worth the price. The vehicle was sold at auction for a fraction of the price I'm being held responsible for.
Flagship Credit has charged off this account and sold it to XXXX XXXX collection agency. This is reporting the same vehicle on my credit report twice. Now XXXX XXXX is harassing me for payment when I never authorized or signed any contract with this company regarding this debt. XXXX XXXX is showing a balance of {$8200.00} There is an obvious discrepancy in the handling of this account which is causing me great suffering. There are conflicting balances and inaccurate information listed on my credit report from both of these agencies. Flagship charged off this account meaning they wrote off this debt and sold it to Synergetic meaning they were compensated twice on the same vehicle. My credit is damaged due to this inaccuracy and it is negatively affecting my way of living.
|
| 03/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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My loan is with XXXX XXXX, XXXX XXXX XXXX. Please note I had a loan with this company before and had no issues, but have had nothing but run around and dishonest interactions.
I have had trouble in the past with them not applying my payment to the account.
When I first got this loan - they applied my payments to my closed account and told me they would fix it, which they never did, they just sent me checks and stated I did not pay.
Just happened again, they noted my last payment was received in XX/XX/XXXX, when I have the check from my bank clearly reflecting that I paid in XXXX, they cashed the check. MyXX/XX/XXXX statement does not reflect a payment received by them XX/XX/XXXX and which posted to my account on XX/XX/XXXX.
I called them today twice, XX/XX/XXXX. First time they hung up on me and the second time an employee named XXXX or XXXX, informed me that I must pay XXXX dollars to stay current. They are not honest and not helpful. He says there is no record of my payment dated XXXX. I immediately called XXXX bank and they verified the payment was received and cashed.
I did send email on XX/XX/XXXX and received no response on XX/XX/XXXX, so I called and only got " we never received it '' and asked why I missed a payment. Also note my XXXX payment was sent by XXXX on XX/XX/XXXX, and they have not cashed that check yet.
Again, this has happened before and I do not want them to attempt to cancel my GAP insurance for late payment because I have never made a late payment. Also must assure my credit report is accurate, as I can see them reporting me as paying late when in fact I am a month ahead always in payments. Please help me and assure they correct the loan payment calculation as well.
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| 12/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
|
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On or around XX/XX/XXXX I went online to make a payment as I have since signing the agreement on XX/XX/XXXX with Flagship Credit Acceptance but I could not log on. I continued trying to reset my password but was still unable to get in. On XX/XX/XXXX I called Flagship and the pre-recorded audio stated my account number had changed. I became alarmed and attempted to speak with the rep to turn off e-statements and have all correspondence sent via postal service as I then believed I must have missed the disclosures advising of upcoming changes. The rep claimed they had turned off e-statements and I would start getting paper statements but after three more phone calls, it still wasn't done. My complaint is that Flagship Credit Acceptance has violated the terms of the contract and therefore voided the contract. After speaking with two different reps today ( XX/XX/XXXX ) I was told several disturbing things. I was told that changes were made to the contract ( my account number was changed ), I was still not set up for paper statements, that I could not have access to the online portal because I was over 5 days past due, and that Flagship can make any changes they want and do not have to notify " every single customer ''. I believe Flagship Credit Acceptance has violated my rights as a consumer by not providing me with access to the account, making changes to the contract without my knowledge or consent, and preventing me from making payments online. After reviewing the contract there are no disclosures that were provided to me that allow Flagship to make changes to the contract without notifying me. A right of rescission letter was sent to Acceptance Now on XX/XX/XXXX that they did not respond to.
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| 09/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
We requested a payment history from Flagship Credit Acceptance, this was sent showing payments through XX/XX/XXXX. The history was correct, the issue is when making a payment via the website it states we are currently paying on XXXX XXXX XXXX, 5 half month payments have been made since the payment history was sent which actually has the vehicle paid through the end of XX/XX/XXXX. I have contacted customer service multiple times only to be told that they have contacted thier back office team to look into the issue and it will take 30 days to resolve the issue. This issue has been going on for 2 months, which was the reason I requested the payment history to begin with, we were stuck paying payments on XXXX for 2 months, then it finally changed to XXXX. Based on the payment history they sent us amounts are being applied to principal and to interest. We aren't trying to make principal only payments, my wife works a XXXX XXXX so she wants to make sure she is paid up ahead of time to take care of the months she doesn't work. Just to add one of the times customer did work through the payment history with me and stated that one of the half month payments was recieved but not applied to the account, this wouldn't fix the current issue but I don't understand how this happens either. I also noticed that the account number on the payment history doesn't match my actual account number on the website and I don't understand this either. I am extremely frustrated and concerned that all the payment my wife has made to get ahead have been a waste of time. When she is out of work and the website still says XXXX and she doesn't make a payment they will try to say she is in default when she really isn't.
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| 03/04/2021 |
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
|
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Web |
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On today XX/XX/2021 I received alerts on hard pulls on my credit report. I called the companies that were shown and was advised that they received information from a company called XXXX XXXX and spoke with a guy named XXXX and told him I did not authorize any hard credit pulls at all on my credit. The website completely stated input last XXXX digits of social security number to look at rates. I have there was no permission given for this company to send my credit information out to run my credit at all. I have stated only the last 4 of my social security number was input and I would like to know how they received the rest of my information. I applied for credit with them years ago and I feel this company has fraudulently kept my information on file and used it improperly which is a violation of my consumer rights. I did not apply for credit with this company I was only looking at rates per the website. I have asked for them to remove this fraudulent inquiry and they have said they will only do what they can do. Spoke with XXXX XXXX says she is a supervisor and still did not agree to remove this fraudulent inquiry as well. I have spoken with two people in this company and advised that I did not request credit. When asked how did this company obtain my complete social security number both reps replied they do not know. This company is committing fraudulent activities by inputting hard inquiry pulls on my credit which in return caused my credit score to drop immediately. Now this same company while on the phone is trying to offer credit repair. I keep stating the same thing to remove these fraudulent inquiries that they have placed on my credit and they advised that they can not do it.
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| 10/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Flagship Lending Acceptance, LLC is incorrectly reporting my account late to credit bureaus as being late.
On XX/XX/20 I called Flagship and asked the representative if there is a program that could help me due to Covid-19. I was assured by the representative if I can make 1/2 of the payment today, the balance can be paid on my next statement ( listen to interaction call ). I explained to the representive that if I paid only half the payment, I do not want to be reported negative to the credit bureaus. She assured me that I would be current, but need to make a payment today. After payment was processed she explained I can also change my due date since I get paid only once per month.
On XX/XX/20 I received an email from Flagship information me that my paid is due. I called the representive and explained my conversation and payment on XX/XX/20. I also informed him he had the wrong account number in his email to me. He said it was a typo.The representive said not to worry he sees the payment. Just to me prudent, I responded to the representatives email confirming our conversation.
XX/XX/20 I received notification from XXXX that Fladstar has reported me late. I called Flagstar and was informed the representive on XX/XX/20 never deferred my payments. I explained our conversation and I would have not made the partial payment if I was still going to be late. I was informed I would have too dispute with the credit bureaus.
I am reminded of Flagships logo, " Where credit is a problem, we're here to find a solution. Our company is here to offer options ''.
I believe Flagship is in violation of the fair credit and reporting act. I want my account updated and reported correctly.
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| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Between flagship credit acceptance and XXXX XXXX credit reporting company, each company is blaming each other for the reason why my account is not reporting accurately. The funny thing is is that XXXX XXXX claims flagship hasnt reported to them since XX/XX/XXXX? My car note was originally 90 days past due from losing a job and having to catch up on all of my bills come mid XX/XX/2023 I have caught up my car note completely, and have been on time since. XXXX XXXX is showing that I am still 100 to 90 days late on my car note which is not true. And for some odd reason XXXX XXXX updates to show that Im paid up and caught up then it seems like a couple days later it goes back to being 90 days late and deducts points off my credit first of all this late payment reflecting on my account, showing that I am late currently is affecting me from being able to move into a home. I am going to face being homeless, because neither company can get their act together and correct the problem. XXXX XXXX is the only one who is not reporting accurately.. here I am almost mid XXXX and they still can not correct my credit. Somebody is dropping the ball. I have disputed this account more than three times and each time it comes back stating that the information is correct and accurate, but it is not correct and accurate because my account is still showing that I am past due when I am not past due. At this point in time I have been current with my car note since XX/XX/2023 I am sick and tired of dealing with this. It has been three months at this point. Im to the point where Im going to get a lawyer involved and sue, both flagship credit acceptance and XXXX XXXX for their negligence.
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| 05/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I entered into a consumer credit transaction with Flagship Credit Acceptance in XX/XX/XXXX. On XX/XX/XXXX, I extended my credit using my social security card ( credit card ) to Flagship Credit Acceptance. In the process, a down payment of {$2500.00} was taken from me during this transaction. This transaction was initiated by me, by default I am the original creditor. By me extending my credit to Flagship Credit Acceptance they are now a creditor.
15USC 1602 ( g ) I granted Flagship Credit Acceptance the right from my rights for them to incur debt and to defer payments but they violated me by using my rights instead.
15 USC 1605 ( a ) In this transaction, Flagship Credit Acceptance violated me by charging me 3 times during this transaction. I was only supposed to be charged the finance charge.
15 USC 1692e ( 2 ) They are still charging me monthly payments every month and also late fees.
I never received a notice to verify this alleged debt during the thirty-day period.
15 USC 1635 ( a ) I never received documents for the right to rescind.
15 USC 1605 ( c ) My insurance was not included in the transaction.
I did not receive the documents ( contract ) once the transaction was done, I didn't receive the documents from Flagship Credit Acceptance until XX/XX/XXXX. I had to request it from them.
I sent Flagship Credit Acceptance documents requesting validation of deb on XX/XX/XXXX but have not received any return documents as of XX/XX/XXXX.
I was also threatened in a letter from Flagship Credit Acceptance that they would come to repossess my property, which is in fact a violation, and to also have a tow service come on my property to repo my car.
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| 09/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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I received credit denial for an auto loan from this bank from a dealership. Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And zero pandemic assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXXXXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. I'm not in my situation by choice. I didn't create this!
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| 01/10/2024 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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CEASE AND DESIST NOTICE Dear XXXX / XXXX XXXX XXXX. : Throughout the time frame of XX/XX/2023 to the present day, your company has repeatedly contacted me, claiming that I owe a debt under Flagship Credit Acceptance LLC account number XXXX. I do not believe that I still owe this debt after your receipt of my presentment on or around the date of XX/XX/2023, as well as another in XXXX of 2023, containing debt instruments as well as instructions for the setoff, settlement, and closure of this account. Further, I have repea requested that you validate the claim that this debt has not yet been settled, set off, and closed by affidavit under full commercial liability, but you have disregarded these repeated attempts to validate the debt.
Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort as well as other private and/or commercial damages. You have violated HJR 192 PUBLIC LAW 73-10, as well as 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act and breached your duties as fiduciary trustee by harassing me regarding this debt.
I demand that you cease and desist of this activity as soon as possible within ten ( 10 ) days from your receipt of this Notice. This includes eliminating this account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all collections and communications to me. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm.
Kindly govern yourself accordingly.
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| 04/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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This is a follow up to compliant number XXXX I was told to contact XXXX XXXX phone number XXXX I called her over 10 times she never answers the phone or voicemails company is still calculating loan wrong charging me unauthorized fee such as XXXX every time I make a payment. I keep making payments and they are not applying it to principal as they are supposed to. I am disputing the XXXX fee every time I make a payment since is not in the contract. They have total amount paid ahead is XXXX I made multiple payments they never apply the extra to principal flagship keeps saying I have to call them every time I want to do that apply extra to principal. They are stressing me out I XXXX XXXX have a XXXX medical condition I WILL HOLD FLAGSHIP CREDIT ACCEPTANCE liability for any health problems cause by my stress they keep on applying incorrect amount to principal so interest will keep going up. I read contract there is zero mention of XXXX fee every time you make a payment they need to get sue and shut down. Everyday my balance keeps going up they are overcharging me every day instead of XXXX dollars a day they are charging me like XXXX. There is also a dispute when interest starts to incur I was told by dealer it starts first day of payment due date since they haven't bought the contract from dealer yet, but according to flagship they are charging me since the first day that I sign contract when they didn't even have the contract yet. I also believe due to the Coronavirus they made a law in California where they are not supposed to charge 3 months of interest but the company is doing nothing to help customers affected by coronavirus!!!
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| 09/26/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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This is stemming from a few complaints back in XXXX 2017. All in all i was lied to several times over the phone by Flagship Credit Acceptance representatives to coerce a payment from me. I was lied to about their policy of access to the online portal to make payments. To this day i have NEVER been able to make a payment online through their portal, even when i was current. I was lied to by reps about what information i would need to login online, and whether or not i would have access. FCA violated several provisions of the CFPB ( UDAAP ) but using false and deceptive tactics to coerce an individual into paying them money by lying to the consumer and misrepresenting the status of the debt and status of the ability to make a payment.
Since XXXX I have been trying to make a payment online, and be treated fairly like the other customers of Flagship and setup recurring payments. I have not been allowed to do that by Flagship which is discrimination. Others have the ability but i do not. I have not been able to make any payments for a few months due to this.
Their entire system models XXXX XXXX 's corrupt system. It seems they are intentionally not allowing me to pay online so that i do not make my payments and they can charge late fees and " per diem '' interest rates daily to make more money. This company is wildly abusing its power as a lender in the USA. This should not be allowed. They then preach you can call in over the phone, but their reps harass you and threaten to repossess the vehicle the next day as a tactic to coerce payment, ( its happened to me several times, so i no longer call because i get abused when i do. )
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| 10/09/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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This company stated that if I made a payment of {$4000.00} by XX/XX/XXXX that upon receipt of the payment for a vehicle that a company that XXXX XXXX XXXX repossessed wrongfully when I was on military orders to move from XXXX to XXXX XXXX to to report on XX/XX/XXXX. XXXX XXXX XXXX repossessed the vehicle on a day before my military payday and falsely stated the payments were XXXX days late though it was only about 30 days late which would have been cured with my initial paycheck after Permanent Change of Station to the the military base. This new company Flagship Credit Acceptance LLC apparently acquired XXXX XXXX through some sort of sell off or company 's bankruptcy, that they would consider my account settled and that I would be released from any further obligations. They also stated on this letter to my lawyer on my behalf that they, the company Flagship Credit Acceptance LLC, will report the account as settled in full for less than the full balance to credit reporting agencies to which it furnishes account information. This letter to my attorney was dated on XX/XX/XXXX. On XX/XX/XXXX I paid in full the balance of {$4000.00} by the money gram for which the company acknowledged. The initial balance for which I was settling in full for less than full balance was {$9900.00}. On XX/XX/XXXX I received notification from the credit reporting agencies that on XX/XX/XXXX that Flagship Acceptance LLC reported that I still owe a Balance of {$5900.00}, and that there is a Past Due Balance of {$5900.00}, and that the account status is " Charge off/Unpaid collection '' instead of " settled in full for less than full balance ''
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| 12/21/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Flagship Credit Acceptance has charged off a debt but continues to try to collect a balance after a vehicle was voluntarily returned and thus sold by the company. Flagship was able to recoup the amount owed on the loan and left a balance of XXXX, yet they have been reporting to all credit bureaus a balance of XXXX. This company has also illegally re-aged this account by updating monthly negative remarks on a Closed/Charged off account. Furthermore, Flagship has reported conflicting information to XXXX XXXX and XXXX in an attempt to damage my credit rating. Under the FCRA, all information must be reported accurately and completely, Flagship has failed to report my information accurately to all credit agencies. Flagship has reported conflicting account open dates ( XX/XX/XXXX for XXXX XXXX XXXX XX/XX/XXXX for XXXX XXXX XXXX XX/XX/XXXX for XXXX XXXX this illegal per the FCRA. Next, the last payment dates are conflicting when reported ( XX/XX/XXXX with XXXX XXXX XXXX XX/XX/XXXX with XXXX XXXX again this is erroneous and illegal reporting by this company. This account is listed as closed and charged off with all three major credit agencies, yet the last date of activity has been backdated and updated every month, damaging my credit report with illegal tactics that violate my rights as a consumer. I have reached out multiply times for debt validation and removal of this erroneous and illegal information but have been met with nothing but verification of this clearly illegal, erroneous, and unverifiable information. I have included pictures of my credit reports from all three agencies with the illegal information circled.
|
| 05/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX I was charged a late fee in the amount of {$23.00} that was paid with XX/XX/XXXX 's payment on XX/XX/XXXX totaling {$480.00}. Since the payment was paid, I have asked XXXX to properly apply the late fee payment ( going on 6 months now ) and every time I am given a different answer as to why it hasn't been applied or how long the process will take to have it applied correctly. I set up automated payments starting XX/XX/XXXX ( which the XXXX is my due date ) and on XX/XX/XXXX I called in and made a principal only payment for {$500.00}. The payment was applied as a regularly monthly payment for XX/XX/XXXX ( even though I had my automated payment set up to go through on XX/XX/XXXX ). I made it very clear this was a principal only payment and regularly checked my online account to see if it had applied as requested. Approximately 5 phone calls later did the {$500.00} principal only payment get applied correctly ( not until XX/XX/XXXX - 15 days later ) and the late fee is now back on my account as of XX/XX/XXXX when it was paid on XX/XX/XXXX!!
I am done calling this company and spending at least 15 minutes on the phone to have payments applied correctly. When I call in and ask why the payments aren't applied correctly I am told the " system doesn't recognize late fees and it has to be processed manually '' but there is no guarantee it will get adjusted and can't be told a timeframe. I'm sorry, but as a LOAN SERVICING company XXXX should be equipped with the technology to PROPERLY apply payments in a reasonable timeframe - again my late fee issue is from XX/XX/XXXX it's now XX/XX/XXXX!!
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| 03/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
I am a XXXX ( XXXX ) in the XXXX XXXX XXXX and throughout my career have never had an issue when it comes to being activated and requesting coverage under the Servicemembers Civil Relief Act ( SCRA ) until recently. On XX/XX/2022, I submitted a request to XXXX XXXX XXXX, who owns my vehicle loan, requesting SCRA coverage due to my activation and receiving a copy of my deployment orders. Flagship sent me a letter in the mail a few weeks later saying I was not eligible. I called the bank in XX/XX/XXXX to inquire as to why I was not eligible and the customer service rep told me I was not eligible when they ran my name through the system they use to verify eligibility. I explained I am not sure why it would say that, and referenced the copy of my orders I submitted to them for reference, proof of my eligibility. I decided to call back at another time, hoping to speak with someone who would be more knowledgeable about the SCRA coverage for military members. I called back a few weeks later in XX/XX/XXXX, and again was told I was not eligible and needed to get a letter from my commander proving I am eligible. I called the base legal office asking for further guidance and was told to file a complaint since this is a direct violation of the SCRA act, and in the meantime they will assist me with drafting up a letter to have my commander sign to send to the financial institution. The XXXX I spoke with, said this is rare any business would push back when it comes to SCRA. I am submitting this complaint in hopes other service members do not give up if any financial institution pushes back against the SCRA.
|
| 02/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
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Web |
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I recently have been placed on XXXX from my current employer due to a XXXX XXXX I sustained from an accident in which I wasnt at fault. My company doesnt allow light duty so Im unable to work. I contacted Flagship credit acceptance in advance to give them notice that I have a lost of income. The representative i spoke to informed me that I can be placed on loan modification and I would just would have to do a verbal acknowledgement of the terms in the conditions form over the phone. Upon completing this process she indicated that someone from the company will call and email me to finalize the process within 48 hours. I received no phone call for about 4 days or email indicating what the next steps would be. I then contacted flagship to follow up with them it was then that they informed me that Im not elidlgible for the modification and suggested that I ask a family member for the full balance. I let them know that I wouldnt be able to do that and I just need help until I get everything figured out because I still have rent to pay.The rep told me that they are not a mortgage company they work for flagship. I asks for a supervisor to call me and i have not received that call. They continue to call me from different numbers and unknown phone numbers even after i gave them a date that I would follow up and the rep indicated that they would put it in the system. All the reps have been harsh. There was even gap insurance placed on my contract that i didnt authorize from the dealership. I feel like Im being robbed and the balance is never going to go down. I feel like my balance is also inaccurate.
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| 02/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
I opened a complaint with CFPB about XXXX previously and I am now opening another because my legal rights have been violated. I will be opening a case with the FTC and my attorney.
After your property is sold, a creditor must tell you these things in a written notice.
Your debt before the sale. NO How much your property was sold for. NO Your debt after the sale. NO Any expenses of repossession and sale. NO Any credits or rebates owed to you. NO The amount you still owe ( deficiency ) or the amount of extra money you get ( surplus ). NO XXXX DID NOT follow proper notification procedures. I did not receive ANY of the notices they have attached until I filed the complaint with the CFPB. The letter of Deficiency is dated XX/XX/19 2 YEARS AFTER THE SALE OF THE VEHICLE!!! I demand verifiable proof these notification were received by me ( ie. certified mail receipt, signature, delivery confirmation. ) The letter of Intent to sell was sent to one address which was NOT the address the vehicle was recovered from. Flagship sold the vehicle at a " private sale '' with no exact date just a statement the letter that says " sometime after '' which I never received that letter until today XX/XX/19 when they attached it to the complaint. I had reached out several times asking for a letter of Deficiency and was told the information wasn't available. I almost lost my job because I could not get a letter from XXXX. So I am saying there is wrongdoing on XXXX 's part. I am not disputing the vehicle being repossessed but I am saying XXXX failed to properly notify me after the repossession took place.
|
| 06/24/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
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his is not correct -- I asked the amount to get current in XXXX -- In XXXX I paid extra and asked it to be put towards principle -- I have even called and pointed out that this is still not right. They applied more to my interest. I am current and they are not applying the funds properly. How many other consumers are they doing this to as well? Account Information as of close of business : X/XX/2017 View Account Information by selecting any of the options below : Welcome XXXXXXXX XXXX XXXXXXXX Select Account Summary Borrower : XXXX XXXX XXXX Address : XXXX XXXX XXXX City, State, Zip : XXXX TX XXXX Home Phone : ( XXXX ) XXXX Business Phone : Cell Phone : Co-Borrower : XXXX XXXX Address : XXXX XXXX XXXX City, State, Zip : XXXX TX XXXX Home Phone : ( XXXX ) XXXX Business Phone : Cell Phone : Vehicle Make : XXXX Vehicle Model : XXXX XXXX XXXX Vehicle Year : XXXX Veh ID No. ( VIN ) : XXXX Last 6 Characters Contract Detail : Payment Information : APR : 16.4 % Payment Amount : XXXX Bal as of X/XX/2017 : XXXX Past Due Amount : XXXX Late Charges : XXXX Other Charges : XXXX Recent Activity : Date Last Payment Rec 'd : X/XX/2017 Total Amount Due : XXXX Last Amount Rec 'd : XXXX Next Payment Due Date : X/XX/2017 Days Delinquent : 9 Select Account Payment History Show Transactions for : Go Process Date Effective Date Transaction Description Principal Interest Misc Fee Late Fee Other Fee Total X/XX/2017 X/XX/2017 XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX ) X/XX/2017 X/XX/2017 XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) X/XX/2017 X/XX/2017 XXXX ( XXXX ) ( XXXX ) XXXX XXXX XXXX ( XXXX )
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| 05/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
|
| 01/09/2023 |
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 |
|
|
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above.
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
|
| 03/31/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
|
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On XX/XX/19 I spoke with XXXX. I requested an amortization schedule because I was unable to verify the principal balance. In addition, I wanted to know how they were applying the payments towards the principal balance. I was informed the information could not be given because they receive my payments on different dates but if the payments were received around the same time every month I could get the schedule.
On XX/XX/19 I sent an email informing them payments will be made on the XXXX of each month online and I was requesting an amortization schedule so I will be able to see how my six-year payments will be applied. I received a call from XXXX who informed me they did not provide amortization schedules. I was told my loan is a compound loan and they could not provide the information I was requesting because they were not a bank. I asked her to verify the number of payments. She stated they received twenty-five payments totaling {$9700.00}. She stated {$2900.00} was applied towards the principal balance and {$6300.00} applied towards the interest. I asked her to verify the orignial amount and the interest and the length of the loan. The amount I financed was {$16000.00} at 18.74 % for 72 months. I stated I did not understand why my balance wasn't decreasing because it was showing {$14000.00}. Also, I was upset because the previous representative provided false information about the amortization schedule.
Please verify the business practices are legit. I believe they are doing illegal practices on their loans that is why they can not provide the amortization schedule.
|
| 09/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I am XXXX XXXX and submitting this complaint myself and there is no third party involved.
On XX/XX/2021 Flagship Credit Acceptance violated the cease and desist order sent to them by certified mail on XX/XX/2021. Flagship Credit Acceptance agent " XXXX XXXX '' informed me in a phone conversation ( that I initiated in order to expedite the process ) that they ( Flagship Credit Acceptance ) received the cease and desist demand on XX/XX/2021 and noted the information on the account file for the " alleged debt '' then referred me to a senior account specialist in XXXX, but I was never able to get in contact with them that day or today. Flagship Credit Acceptance mailed a billing statement to my home address after I demanded/ordered the company ( Flagship Credit Acceptance ) to cease all contact with me. Flagship Credit Acceptance has still not validated this " alleged debt '' pursuant to 15USC1692g nor have they ( Flagship Credit Acceptance ) responded to the invoice sent to them for the Title 15 damages itemized in the summary of charges that was sent to them by certified mail on XX/XX/2021. All evidence of my claim is attached and I would like this matter resolved quickly and damages paid to me by check. The " billing statement '' also has the same violations from the first " billing statement '' in question which would double their invoice fee. This action is a willful violation of my rights as a federally protected consumer and they should be held liable both criminally and civilly pursuant to 15USC1611 and 15USC1640.
I, XXXX XXXX, am a natural person/consumer
|
| 06/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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1 ) On XX/XX/2021 I sent the attached debt violation letter to Flagship Credit Acceptance pursuant to 15 USC 1692. ( See exhibit A ).
2 ) In XXXX they responded ( with no date on the letter ) with a notice of receipt and a promise to change the status of the reporting on my credit to Paid in FullXXXX XXXX Balance within 30 days. ( See Exhibit B ) On XXXX XXXX The specific items required for validation were not received.
Flagship Credit Acceptance is in violation of 15 USC 1692 for the following acts : Flagship Credit committed fraud by ignoring the cease and desist.
Flagship Credit Acceptance failed to provide the amount of the alleged debt.
Flagship Credit Acceptance failed to provide the name and address of the original creditor.
Flagship Credit Acceptance continued to report derogatory, unverified information to the credit reporting agencies within the 30 day period and until present day.
Flagship committed deceptive practices in their debt collection efforts by failing to perform as promised in their letter.
In my letter I stated they were to cease and desist until debt collection activities until all requested items were provided. This includes reporting any derogatory information to the credit reporting agencies. I tried several times to call and have someone update the file, but I was told there is no one I can speak with.
Unverified Items must be deleted within 30 days. These unverified items are still reporting to all 3 bureaus, which is a violation of the Fair Credit Reporting Act. ( See screenshot of credit reporting to XXXX, XXXX and XXXX )
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| 06/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
Servicemember |
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I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXXXXXX XXXX XXXXXXXX, XXXX Va. I financed this vehicle through XXXX XXXX XXXX. XXXX repossessed my vehicle and sold it XX/XX/XXXX. In XX/XX/XXXX, I received communication that the final balance due on the note was {$9500.00}. In that " Explanation of Calculation of Surplus or Deficiency '', the original Aggregate unpaid balance as of XX/XX/XXXX was {$32000.00}. With this agreement, the company wanted me to continue paying the $ XXXX/month to settle the account. After paying one payment, this arrangement did not work as I did not have the extra income to cover the {$730.00} and pay new transportation expenses. In XX/XX/XXXX, I contacted the company again in an effort to resolve the balance. The new Deficiency went to {$16000.00}, and somehow my original aggregate unpaid balance increased to {$38000.00} ; additionally all the amounts due changed. As the balance increased, I disputed the balance and XXXX fixed the amount due. I made one payment and the company would not provide a receipt. After this the reported amount due on my credit report increased to {$20000.00}. My last attempt to resolve this was XX/XX/XXXX ; my letter states a settlement amount due of {$6900.00}. After again making one payment, XXXX increased the balance due reflected on my credit report to {$20000.00}. I would like to resolve this account but am unable to as 1 ) the balance continues to change regardless of my written agreements with the company and 2 ) XXXX is unable to provide a written receipt or any documentation for payments received.
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| 06/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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The loan I applied for on XX/XX/XXXX and was denied on XX/XX/XXXX. The dealership mailed a signed " notice of election to rescind '' the contract and I was pressured to return to the dealership during the third week of XXXX. The salesman I originally worked with was not on site to explain what was going on but I had to sign some new paperwork and was told that my {$1000.00} deposit was being moved to a new contract that would allow me to keep the car. This new contract was signed that same day during the third week of XX/XX/XXXX. One week later Flagship Credit Acceptance contacted me saying I had a payment due in two weeks. My first two payments to Flagship were deemed late and when the Flagship representatives asked me why I was making late payments, I explained that I was under the impression that I did not owe them money and that I was confused as to what was happening. I've since then, located a copy of the Notice of Election to Rescind and contacted Flagship to ask for a copy of the contract they are executing. I contacted Flagships customer service via email on XX/XX/XXXX along with a supervisor by the name XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to no avail. I also contacted another supervisor, XXXX XXXX, via email on XX/XX/XXXX. In each email I have attached a copy of the " notice of election to rescind '' for the contract dated XX/XX/XXXX and asked for a copy of the contract being executed. The company will not respond to me and continues to report information to the consumer reporting agencies that is damaging to my report. Please help.
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| 06/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/2021, I traded in my vehicle to XXXX XXXX XXXX XXXX my car payment from my previously lien holder ( Flagship Credit Acceptance ) was due on XX/XX/2021. After trading my vehicle I received several calls from Flagship and I stated that I no longer have possession of the vehicle, I signed documentation to trade my vehicle. Several times Flagship still contacted me about the payment of the vehicle, I had no idea that the vehicle was still not properly paid off. I tried to contact XXXX XXXX several times, I even went to the dealership was never able to get in contact with anyone in the financial dept. The only person to my assistance was my sales rep XXXX. He tried to figure of why the car still was not paid off, he was really good with communication. He stated the financial manager stated it will be taken care of. However, the bank delayed the funds to XXXX XXXX which caused a delay in the car being payed off. XXXX told me the manager XXXX would contact me because of how upset I was. I called XXXX to see the status of the car loan they told me it was paid off XX/XX/XXXX, or XX/XX/XXXX I believe. I was relieved until I seen my credit score dropped Tremendously, because of the 30 day past due on this account. It was not my fault, I no longer had possession of the vehicle. I really wish Flagship would consider removing the delinquency of the account. I was a good customer with good payment history, and I was unaware of the trading process due to this being my first trade in. I feel both companies are in the wrong and it is causing me to have an effect.
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| 12/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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To date, this is the third complaint I have had to file against Flagship Credit Acceptance for the SAME exact problems. They haven't addressed any concerns or come to a resolution on how to work with me on the account.
I have had extreme hardship this year, due to the pandemic, such as having to have an operation which occurred in XXXX of XXXX, had the flu in XXXX of XXXX, had XXXX in XXXX of XXXX and recently just found out that I have to have another foot operation in XXXX of XXXX, because my last foot operation was unsuccessful.
Since XXXX, and up to the date have talked to references on my application and given them personal confidential information containing to the debt on my account and have left voicemails on their phones about my debt with them.
On XX/XX/XXXX, XXXX, of XXXX, after XXXX XXXX responded back to my previous complaint, I've reached out daily to try to resolve the account with her and no response back from her. During the course, of talking to other representatives, I have been threatened by them for repossession of the vehicle, however, I'm trying to reach the representative that responded back to the last complaint I filed, therefore we can reach a resolution.
At this point, this Flagship Credit Acceptance lacks transparency on how they handle customer complaints. From representative to representative to representative the information given changes from one rep, to another.
All I want is transparency from this company, instead of getting the run around and thrown to a different department that isn't handling the account.
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| 08/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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I financed a vehicle with Flagship Credit Acceptance in XXXX of XXXX. The vehicle was totaled in XXXX of XXXX. From XXXX until now I have been in contact with Flagship multiple times each month trying to work through the claims with insurance and GAP. Not once during any of these phone calls did any repress mention that there were two payments that needed to be paid that insurance and gap would not be covering. Today I spoke with them yet again after pulling my credit and finding that not only have they not applied the insurance and gap checks to my account ( they received and cashed the insurance check several months ago and the gap check last month ) so they are still showing a {$29000.00} balance but they are also showing multiple missed payments. I told the representative that I would pay the two payments that they are claiming I owe even after the settlements were received but that I would not accept all of these missed payments on my credit. I was told there is nothing that they can do. Today they claim to have sent a letter about still needing to make payments while they awaited the settlements, and although I have told them each phone over the past several months that they have my address wrong, no one ever updated it ( they continue to show the state as California and not South Carolina where I live ) so I have never received any correspondence from them. I am a XXXX XXXX veteran and was in the middle of getting a VA loan to purchase a home for my family and due to their erroneous reporting and refusal to make it right I am no longer able to.
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| 10/30/2023 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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On XX/XX/XXXX at XXXX XXXX, I received a phone call from XXXX. The agent said they were calling from Flagship Credit and wanted to know if I could give them information on how to contact my sister. I explained, not so very nicely, that I haven't spoken to my sister in over 10 years and as far as I'm concerned my sister could drop dead. I then told them never to call me again. They apologized and agreed not to call me again. On XX/XX/2023 at XXXX XXXX, I received another phone call from XXXX. The agent once again identified themselves as Flagship Credit and wanted information on how to contact my sister. I started yelling at them and repeated once again that I have not talked to her in over 10 years and to stop calling me. They apologized and said the calls would stop. I said, " You guys already agreed to stop calling me the last time, yet here you are calling me once again! Stop calling me! ". Today ( XX/XX/XXXX ) at XXXX XXXX, I received a phone call from that same number ( XXXX ). The agent said he was calling from Flagship credit and wanted info on how to contact my sister. I started screaming at him and told him I'm tired of the calls! I explained that my phone number is on the National Do Not Call Registry and they have no business calling me! Especially since they agreed to stop! I'm assuming they are trying to collect a debt from my sister. After the 1st phone call I received from them, I googled Flagship Credit and it said they give auto loans to people with sub prime credit. This is not my debt! I am tired of these calls! What can be done?
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| 10/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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We took this loan on a car that has being used both me and my husband. Meanwhile, we have been paying for slightly more than three ( 3 ) year since XXXX without default to our payment and on time. First thing we detected was that the vehicle was defected and we took it back for about a week and they solve the problem and we were talked into taking it back, which we did. We then realized that the interest far exceed the capital payment on the vehicle we confronted the and the just told us is because of the GAP insurance so we relaxed and move on and soon then come the catalyst converter which cost us money to get a used on to replace because we where badly in need of a car for family use.
Unfortunately, the car has been involved in a car accident with a total loss, meaning the car is total and our insurance company have written it off.
They have decided to pay for the car at it value which does not reach the balance owed on the car. We called the loan company on Friday the XXXX of XXXX, XXXX about the situation but the trying to play games about the GAP covering. We have agreed to allow the of {$7400.00} XXXX XXXX XXXX XXXX XXXX dollars ) been payed to the and the GAP according to the cover the rest as they said the amount of {$11000.00} dollars is what that s left on the loan. This mean, we have waved our right to own the car in spite of having paid {$12000.00} or more on this car, since the beginning of the loan. We can afford to pay a single penny more to was what we see as manipulative loan agreement and total loss on our side for such a loan.
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| 08/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX, I began to make multiple payments of {$1300.00} on my loan. It was then that I found out that the XXXX insurance, Service Warranty, and Daily interest rates were unknown to me. On XX/XX/XXXX, I made a payment of {$1900.00}, which is another 3 months of payments. On XX/XX/XXXX, I made a payment of {$1900.00}, which is another 3 months of payments. I reached out to the company about the daily interest, and the warranty plan, and contacted the dealership when the company called with threatened tactics. I tried to file a complaint with the XXXX XXXX XXXX and could not find any information on the company. When I did research on the company, I found out that the same issues I was experiencing there were others, and a lawsuit was filed. On XX/XX/XXXX, and XX/XX/XXXX, I received several calls, after XXXX XXXX about my missed payments. I explained the multiple XXXX in my family and asked if the missed payments could be put at the end of the loan. My email response was sent to XXXX XXXX and the calls became harassing and more threatening with ruining my credit, repossession of my car, and the calls began to be back to back all day every day. Today. XX/XX/XXXX, I have tried to refinance my loans with several other banks such as XXXX XXXX, XXXX XXXX, XXXX, and XXXX and I was turned down due to my loan not being 60 months it's actually 84 months, even though my mileage on the vehicle is low to be XXXX, I have so many extra fees attached to the loan that no one will touch it. They can't find reputable information on the lender holder.
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| 05/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
Servicemember |
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When I got my car loan I was told the interest rate would be 12 % along with the Veterans discount of {$1000.00}. I wasn't given discount and my interest payment ballooned to 29.99 %. I was told that I can drive the car home during the application " pre-approval '' phase. I was told that nothing with the deal would change. The Dealer told me that the car I got was all I was already qualified for at the lower rate of 12 %. The manager needed to call his friends in the bank who could make that happen. I drove that car around and sold my other car that night. I later got a call a few days later telling me that either I XXXX. Take the deal with the new terms XXXX. Reject the deal ( car I had was sold ) or XXXX. Return the car and have the dealership report it to the police as stolen. Now I am a XXXX Veteran ( 100 % VA rating ) and that terrified me. I had no other car and I took the deal without what I was told. The Dealer told me that I was lucky that it was mine now? How when my rate XXXX and I was given no Vet Discount. He laughed I even heard other Veterans talk about how they got treated the same. The finance company when I told them said that it was nothing that they can do. Then nearly every conversation I had with them was hostile. The reps were extremely aggressive telling me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' Who says that? So I asked them to stop calling me and only email.
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| 08/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I mailed out a debt validation letter to flagship credit acceptance on XX/XX/2021 requesting for them to validate the alleged account ending in XXXX. They responded by sending a letter as of XX/XX/2021 advising that I am responsible for the alleged loan. Pursuant to Generally Excepted Accounting Principles they have to prove the money left their account if they gave me a loan and they did not provide any information showing the funds actually left their account. Also included in the letter was the paperwork for the alleged loan which list me as a borrower and pursuant to the Truth In Lending Act I am a consumer and not a borrower as bank can only borrow money. Pursuant to 15 USC 1692j this is a deceptive form because I entered into a consumer credit transaction w Flagship which no cash what is supposed to be excepted by the lender. Flag ship is in violation of 15 US C 1605. A finance charge is the sum of our charges in a consumer credit transaction and it does not include cash. Flagship in fact took cash as shown in the attached labeled exhibit. I have found 24 protected consumer right violation under 15 USC 1692 and USC 1605 that I have presented as exhibit w a signed affidavit of truth. I also have a recession letter exercising my right to rescind pursuant to 15 USC 1635. Flag ship is in violation of 15 US C 1611. Flagship willfully and knowinly failed to provide and disclose information required under the provisions of 15 USC 1601. They are now criminally and civilly liable. I have mailed attached documents to flagship as well.
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| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general 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 ( 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} ;
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| 03/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have been paying my car note on a monthly basis on the XXXX of every month, through my Bank account. Flagship Credit Acceptance LLC. hires a Law Firm XXXX XXXX office. They lied and repossess the car. I received a mail from Flagship Credit Acceptance on XX/XX/2021 stating I need to pay them {$2700.00} to reinstate the car. I called and spoke with XXXX XXXX and asked why is it I need to pay them that money when I am making my monthly payment every month. XXXX after a little while told me to hold on, he spoke with his supervisor and they saw that I have been making my payments. He told me I didn't have to pay the {$2700.00} they will return the car. I have been paying them each month, I have my receipts and my bank information which confirms my payments. Once I called them they return the car free of charge without the License plate. I had to take off from work on XX/XX/2021 to go and get the License plate. On XX/XX/2021, I received a notification alert from the credit bureau stating I am late on my Flagship Credit Car payment ; I had made my payment on XX/XX/2021 in the amount of {$350.00} for XX/XX/2021. On XX/XX/2021, I received another credit alert saying the same thing " stating I am late on my Flagship Credit Car payment '' and my Credit score went down by 21 points. I check my Credit Report there is a Repossession on my credit report from Flagship. I do not owe them any monthly payment nor is my payment late. This shouldn't have happened when I am making my payments. They are also showing up 3 times on my Credit Report.
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| 07/29/2019 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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I received a call Tuesday XX/XX/XXXX at XXXX MST from a gentleman attempting to reach me at a prior address. XX/XX/XXXX at XXXX MST : I received a call from the same gentleman who stated he is calling from XXXX County to serve me at the prior address for litigation to process. He intends to serve me documents and cant disclose why or where there are from. He said to call XXXX to review the details. I was given a Case # XXXX. I contacted the XXXX and spoke to a XXXX XXXX at extension XXXX who was a " Manager in Legal. '' XXXX stated that I am being sued for a prior account that I had in XXXX and that if I don't pay it I will be garnished 25 % of my wages. I was also offered a lump sum payment of {$1300.00} or pay half now and pay the second half in 30 days. Any payments would need to be mailed via certified funds. XXXX XXXX stated they are located in California however he would not provide an address. This individual has all information listed under the credit report listing for this prior account, which should never have happened. My mother has also reported to me that the original gentleman blocked his number and called her asking for me. I contacted the original creditor and they stated that they have had a few other customers call in reporting that they are also receiving complaints for such calls. The original creditor confirmed they still have my account in house and that these calls are fraudulent. This means they also have my families contact information. I feel that this has put me and my family at risk and in danger.
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| 05/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/XXXX I was involved in a total loss accident that was not my fault. I called the next day and set everything up through XXXX and XXXX XXXX XXXX department. My 1 and only key fob was lost during the tow and trip to the collision department. Somehow the vehicle locked after we retrieved my belongings. During the weeks to follow I was instructed by my lawyers not to speak to XXXX. I did communicate with collision department, and my loan company. I told Flagship credit acceptance shortly after the accident that I couldnt make that last payment. They told me I needed to pay but it should be paid off soon due to the total loss. In XXXX still nothing was resolved and flagship repossessed my vehicle due to XXXX XXXX charging impound fees and XXXX not responding or totaling out my obviously totaled vehicle. In XXXX of XXXX my vehicle was finally paid in full and flagship credit acceptance refused to remove the repo even though they posted the paid in full day to XX/XX/XXXX I kept in constant contact with flagship. They were awful and rude after the fact of being paid off, XXXX the supervisor told me they had no idea I had insurance, even though I had called months prior and another supervisor promised it would be removed after they were paid in full. Please note the car was repossessed before I owed any missed payment so I stopped paying on the vehicle due to losing my job, and this repo hurting my credit. XXXX has completely miss handled my entire claim. I am still waiting for my lawyers and XXXX to finalize my claim.
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| 08/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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After becoming very sick and hospitalized for several weeks, I missed a payment and fell behind. Soon as I was able I reached out and attempted to make arrangements to get caught up back in XX/XX/2020 to the best of my knowledge. I was told on a recorded line, that if I was able to arrange to pay at least {$410.00}, that my account can be arranged to show current and add the missing payment to the end of the loan, Even after I made my payment as agreed, Flagship Credit did not do what they promised. I remained behind even after making a payment as agreed. Denied without any explanation.
Daily harassing phone calls multiple times a day starting before XXXX daily. I never got any communication ( email, phone call, letter in the mail ) of denial, NOTHING. When I asked, I was told " your request was denied ''. Nothing more.
In XX/XX/2020, I received yet another round of harassing calls, one of which from a self described account manager named only XXXX. XXXX again, made a payment agreement with me to pay {$410.00} in XXXX for XXXX payment and he would roll XXXX and XXXX payments to the end of the loan making my next payment due XX/XX/2020. Again, I kept my word, made payment as agreed and FLAGSHIP CREDIT, again, failed to do what they said. The daily calls before XXXX several times a day continued. I attempted to contact XXXX, but my calls went unanswered, until first thing this morning. XXXX calls. When asked why his agreement ( AGAIN ) was not kept. XXXX simply said, " your request was denied ''.
XXXX XXXX
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| 11/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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On XX/XX/2022 XXXX XXXX XXXX XXXX XXXX We purchased a used vehicle together in XX/XX/2022. I was not able to pay the note due to the fact I have XXXX XXXX and have not been able to work. I was not working when we purchased the vehicle. My XXXX and I XXXX XXXX XXXXXX/XX/2022. During the XXXX I had spoke with the finance company and explained to them the situation. I asked if there was a way to get an extension or roll the payment to the end of the note. I was told they could offer me no help till there had been XXXX payments made on the vehicle. They proceeded to call me daily XXXX XXXX XXXX times a XXXX and called even after they were spoken to. They have called my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well. Even after we have spoken to them. My XXXX and I made XXXX payment on XX/XX/2022. The finance company started calling us on the XXXX about being XXXX XXXX past due on XXXX 's payment. We had setup payment arrangements with them to get the payments caught up. They have proceeded to call both my XXXX and myself XXXX to XXXX XXXX XXXX XXXX. We have spoken with them a XXXX times and told them we had payment arrangements setup and we were told that they would continue to call us till the account was current or we gave them a credit card number or bank account information to charge our account. We no longer want the vehicle because we are tired of the harassing phone calls XXXX XXXX XXXX XXXX XXXX XXXX. We would rather have our credit ruined than to deal with this finance company anymore.
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| 12/19/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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I was checking my credit report randomly and noticed that I had a collection account on my credit report from Flagship Credit Acceptance. I did further research to identify it and ended up sending them a letter stating that information is incorrect and does not belong to me and requested some type of documentation showing my signature or any type of additional documentation. I received a letter back from them with a contract and first thing I noticed was the name. The contract belongs to a XXXX XXXX XXXX that lived or lives in XXXX Texas, and shows a car a XXXX XXXX XXXX being purchased from XXXX XXXX on XX/XX/XXXX. I sent a letter back stating that contract does not belong to me, and went into details about that being someone else. I also included a copy of my social security card and my drivers license as supporting documentation on my behalf. Flagship sent back a letter claiming the debt was mines and sent me an itemized list with the same information as the previous contract that claimed was mines. Ive tried over the last two months to resolve this issue and have been unsuccessful. It is affect me my credit badly and affecting me from using my VA home loan to purchase a home and even get approved for many different things, since its a negative mark on my credit shows me owing XXXX to flagship. Ive exhausted all my means trying to show and explain the debt on my report is not mines. I have attached the contact they sent to me. Ive also attached the itemized bill and the letter I sent to them.
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| 09/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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We have both lost our jobs in XXXX, yet we were able to pay our XXXX payment with our savings. Our payment was due on XX/XX/2020. On XX/XX/2020, Flagship began calling us. We explained one of us would begin a position XX/XX/2020 and the other on XX/XX/2020. We did not know at this time what our first checks would be on XX/XX/2020 ; however, we would have rent due and would do our best to make a payment on XX/XX/2020. Flagship has been calling EVERY DAY since XX/XX/2020 to both of us. The one who began their job on XX/XX/2020, lost her job due to her phone constantly buzzing at her desk due to the harassment from Flagship. I have been receiving phone calls from Flagship when the other borrower would not answer. I kept explaining to them that we do not have the money at this time, we do not know how much we will have on the XXXX, please to quit calling as it will cost us our jobs. On Sunday, XX/XX/2020, XXXX from Flagship called once again. I advised him that the other borrower has lost her job thanks to them constantly calling her and I start my new job on Monday, XX/XX/XXXX. I am turning off my phone during my work hours since I can not afford to lose my job. I do not know how much we will have now since we will not have a full check from the other borrower. I was hanging up now since I was very upset with the treatment from Flagship. XXXX threatened me with " don't you dare hang up on me - I have control over your vehicle and can stop you from going to work ''. I disconnected the call.
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| 05/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Dear Flagship Credit Acceptance Corporation : I have been an account holder sin ce 2014 and during that time I have enjoyed my experience greatly I am writing to see if you would be willing to make a good will adjustment to your reporting to the XXXX credit agencies I hav e two late p ayments on the above referenced account that date back to 2014 since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the las t two years. I would like you to consider removing the negative payments from my credit report. At the time of the late payment I was put on XXXX XXXX my last month of XXXX no pay. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope tha t Flagship Credit Acceptance is willing to work with m e on erasing this mark from my credit reports. I have been a very happy customer in the past and hope to continue a long relationship. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers. Flagship has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why is heads above the rest. I look forward to your reply. May Flagsh ip please remove all negative remarks off my credit report. In good faith. Sincerely,
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| 04/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
|
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ON XX/XX/XXXX my car was totaled in an accident. I have recently reached the conclusion with the insurance company and they have informed me that they have mailed a check to the loan service company XXXX XXXX XXXX.
Well called this morning after attempting to access my account online to view the account for payments received ( I wanted to know if they have processed the payment sent by the insurance company, {$11000.00} ). The account this morning said I owed {$800.00} + dollars this would include the may payment and the XXXX I usually pay every two weeks.
I then attempt to login again this evening I still am not allowed to log into the account online. I then try to make a onetime payment through XXXX XXXX of the remaining {$260.00} and was blocked. I then call the company select the choice to speak to a representative to determine what is going on with my account only to get a response that says, " It says that you all are unable to accept my call at this time? '' Their website clearly says that the call center is open until XXXX XXXX EST, I called them at XXXX XXXX.
I am just trying to make the next payment of {$260.00} that I pay every 2 weeks and to make sure they have received the check from the insurance company of {$11000.00}. The payment is not 30 days late until XX/XX/XXXX and I would like to pay what is remaining {$260.00}.
PLEASE ASSIST ME IN CONTACTING XXXX XXXX XXXX, As I feel they will attempt to destroy my credit over some bogus charges that I can not even pay.
|
| 09/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
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Web |
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My wife and I both have a loan with flagship. We could no longer afford the vehicle my wife was financing and in XX/XX/XXXX we requested Flagship to pick it up. They told us it would be 7 to 10 days. They never picked it up i call to asked when it would be and was told that it would be 4 or 5 months. My hoa will not allow us to park vehicles on the street overnight so we were getting letter from them with threats of tow. So I called Flagship to see if the would allow me to sell the car for them, it would make them more money and it would get the car out of the street. They agreed finally after months to settle the account for XXXX in XXXX and the company that purchased the car sent the XXXX payoff to flagship. The problem is they applied the payment to my account instead of my wifes. I called a make my payment in XXXX and I was told that I did not have a payment due?? I asked why and was told by Flagship they did not know why I wasn't due??? I called the next month and at that time I was told that I did not have a payment due until XXXX??? I then very quickly figured the problem was a misposting. I asked them to correct the misposting for month but it went unfix until XX/XX/XXXX. Once I saw it was corrected I called to make the payment and was told all passed due payment are due or repossession. I have now asked to correct the problem they have made and their response is get an attorney and sue us???????????????? They need to correct the problem and allow me to make payments again.
|
| 08/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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I have had continuous problems with FlagShip Credit Acceptance. 1st started when I was placed on unpaid CoVid Leave. I called requesting a payment deferment. They said no problem, but my account had to be behind ( account was current ) and I had to pay {$130.00} for process the paperwoork - which I did. Then when I noticed that they never deferred my payment, I contacted them only to find out that they had no record of my contact even though I sent my request via registered mail, email, fax, and by phone. Then while catching my account backup, they blocked my online access to pay my bill - forcing me to make payments via U.S. Mail which taked several weeks for them to process thus creating late fees. My current statement shows last months payment not received yet and current months payment due of {$420.00}. Today, my account finally shows last months payment finally processed and should reflect current months payment not due yet. Instead it shows that {$95.00} is behind, and that current months payment reduced by that amount. If I make the {$95.00} payment, how can it reduce the amount that isn't due yet? Thus, they are forcing me to make my monthly payment early, or are charging me a {$95.00} a month fee to mailing my payment because they blocked my online access, In addition, I have recived robo calls from unpublished numbers from them requesting my bank information. They refuse to put anything in writing. THIS IS FRAUD AND PREDATORY LENDING PRACTICES AND POSSIBLY CRIMINAL!
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| 09/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
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Web |
|
|
My spouse and I purchased a vehicle from XXXX XXXX in XXXX Virginia on XX/XX/XXXX on a XXXX XXXX XXXX. Since this time we have never had a late payment nor had an issues with accessing our loan information. Our Loan was with Flagship Acceptance. https : //www.flagshipcredit.com/. In the past few months Flagship has changed their website and customer porthole to where I can no longer access payment history. I have been taken off of auto payment which I never had an issue with before and can not set up auto payment unless they send me a form and you can only request one form at a time in a 30 day period. With that being said they charge {$4.00} per transaction in making a payment to your account. When I called the customer service line I was informed they are international and the conversation became a communication barrier so therefore I wasn't sure what the representative was saying the only thing I could get out of it was that she was international and she was not subject to the same rules and guidelines not real sure what that meant either. I requested my payment history and now have to wait for it in the meantime I have to pay this charge to make a payment that I never had before and pay this very high interest rate of 17.32 %. Upon further research I was looking in my paperwork that I do have and the address for Flagship Credit Acceptance is XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX rest assured that is not what you will get when you call customer service.
|
| 07/31/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
During my vehicle refinance with Flagship I purchased GAP insurance from what I understand was also through Flagship ; but due to extremely poor loan servicing I again refinanced via XXXX XXXX XXXX XXXX. I am owed a GAP insurance refund from Flagship Credit Acceptance that I have yet to receive. I have repeatedly called asking for the status of my refund and gotten a different answer every time. This leads me to believe that Flagship does not intend to issue my refund. I am sure there are many former Flagship customers that are in the same predicament ; therefore this is my formal notice to Flagship management that if I do not receive my GAP insurance refund by XX/XX/2019 that I will file a Class Action Lawsuit against Flagship. You can either pay me the few XXXX that I am owed or you can pay out millions as you did recently with your {$4.00} XXXX auto-dialing class action settlement. I am a hard working man with a daughter to put through college so every XXXX counts. I refuse to be taken advantage of and I need my money. I expect someone from Flagship to call me ASAP to tell me the following ; what is my GAP insurance refund amount and when will it be sent? A copy of this complaint has been sent to the Consumer Financial Protection Bureau, the Pennsylvania Attorney General 's office, and the Tennessee Division of Consumer Affairs ( DCA ). It would be most unwise to take this complaint lightly. I WILL get what is owed to me one way or the other.
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| 04/28/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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My car was stolen on XXXX / XXXX / XXXX it was reported by th e NYPD since it was in there possession due to an alleged dwi arrest on XXXX / XXXX / XXXX I was notified by the bank on XXXX / XXXX / XXXX that it was reported stolen the NYPD never n otified me I had already retained an attorney XXXX XXXX to have the car released unaware that it had been stolen. I went to the precinct that seized my car on XXXX / XXXX / XXXX they gave me all the paperwork to have my plates reported stolen at NYS DMV I did that I reported it to the insurance on XXXX / XXXX / XXXX I called the bank flagship credit acceptance and advised them that it was in fact stolen. I have been called twice by XXXX a supervisor at flagship stating I stole the car to return it or I had to pay {$2000.00} to have them find it and once they recover the car they will sell it and terminate my loan as non payment. I have been making my payments monthly from XXXX and still making them since the insurance company refused to cover the lost because t he NYPD is responsi ble so my attorney XXXX XXXX has already file suit against t he NYPD for the co st of the car. If I have to continue paying the monthly loan payment I understand and will payoff the loan when we are awarded the money from the city but what I do n't understand is flagships harassing business practices the threats and accusations when I have done everything and have proof of what happened to the car.
|
| 06/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
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My car was totaled back on XX/XX/2023. Flagship Credit is the lender and they have been beyond extremely imposible to post payments timely from car insurance and gap insurance. Only continuing to give me the rounds around about payments. They finally posted payment from car insurance but the gap insurance has not been posted. I called gap insurance and they have confirmed that the check was cashed by Flagship Credit and this payment was issued to Flagship Credit over three weeks ago and payment has still not being posted on account. They have even made me pay car note for XXXX even after car was totaled and the finances continue to escalate more and more everyday. I do have all of my emails I have sent to them and every time I do ask a question, they get back with an excuse. This is for sure a company that needs to be investigated because they are definitely taking beyond advantage of consumers that perhaps are not very educated about situations like mine. I would look into the internal aspect of company too. If there is anything needed from my end, please reach out to me directly on the information I have signed up with for this complaint.
Thank you for your anticipated cooperation regarding this matter and hope to hear from you guys soon. I might have to file a consumer lawsuit if necessary if others have been scammed by this financial institution as well since I do have a lot of legal background experience.
Sincerely, XXXX XXXX
|
| 02/08/2018 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I'm XX/XX/XXXX an employee of XXXX XXXX XXXX called and text co -workers (more than one) of mine inquiring information about my husband and I for the personal gain of reposessing the car (a car loan currently being serviced by XXXX). We fell on hard times with one income like many consumers and we were trying to work arrangements with XXXX XXXX XXXX but that does NOT give the right for any employee of a Collection Company /XXXX to allow employees to contact un-authorized 3rd parties for gain. The Collector at XXXX XXXX XXXX disclosed how far past due our account was, disclosed it was out for Repo and she was actively looking for it to reposess it because "that's what I do now Repo Only" . She discussed a private conversation my husband had with a Supervisor at XXXX when he called to make a compalint aboutbthe matter that occured on XX/XX/XXXX. This Collector was bosting as if she was proud. As if tbis was "normal repo practice for Collectors at XXXX ". She asked where I worked, if my Car was parked outside (referring to.my place of employment), she asked what my husband and I drive. We immediately advised XXXX of this as soon as it occurred on XX/XX/XXXX. They have not offered anything to help us with the humiliation, pain and suffering this has caused our entire family. Instead we were told by there legal.counsel that our account WILL go back on the dialer as of XX/XX/XXXX. This is unfair and against our rights as consumers.
|
| 03/30/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
on XXXX I was advised that I could apply for a temporary mod ( temp reduction in payments ). That representative was very professional and detailed. She advised me that it would be approximately that following Wed XXXX before it will be reviewed. However, I was advised on XXXX that it has yet to be reviewed and I should call back. I called back I believe on XXXX and was advised that it was approved but was awaiting to be processed. Out of concern to avoid 90 day reporting I called back two days later and was advised that due to the changes, it has been approved however it has not been processed. I called back on XXXX only to be informed that it was denied. I then requested for a supervisor only to be told that their que was busy and someone will call me back. No one called, so I called today XXXX asked for a supervisor and was transferred to Mr.XXXX. He advised me that I was given the wrong information and the process was not fully explained to me. I advised him that was an area of opportunity and I requested that he review the phone calls from starting XXXX until today. He advised me that it will take 72 hours for him to review and get back to me. My account is listed as cease and desist, however I verbally gave Mr. XXXX permission to return my call after reviewing the calls. Because I am also a collector with working experience with some of their employees, I feel my account has not been treated the same as any other consumer.
|
| 12/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
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I do not know where to turn. I had a mechanic destroy my vehicle after I paid for him to repair my car. Not only did he do more mechanical damage but he did alot of exterior damage as well. Since I have a loan on this vehicle I have to keep full coverage insurance on my car. My car insurance is refusing to pay the total loss claim because I do not have exact date the damage occurred. This is a total cop out. I have proof of not only the conversation with the shop owner admitting his mechanic cut up my wiring harness and misplaced parts and bolts but I have pictures of when the vehicle was first dropped off as well as the shop owner posing in front of my car for a XXXX XXXX for the XXXX of XXXX XXXX I still owe on the car and I can't pay for a total loss on a car. This is over a {$15000.00} loss and I have been just diagnosed with XXXX XXXX XXXXXXXX XXXX. I do not have a dependable vehicle now because mine was destroyed. This will ruin me financially and I can't seem to find anyone that will help me. I can provide you with all my documentation if needed. I did everything I was supposed to but will be the only one that takes this financial loss. It is amazing you HAVE to have full coverage insurance in order to have a car loan but they can just destroy a person and deny the claim over some bs reason. Please help. My insurance is XXXX. This is especially hard since I was rebuilding my credit and almost had to vehicle paid for.
|
| 12/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : FLAGSHIP CREDIT ACCE Made on : XX/XX/2017 Made with : { insert name of credit reporting agency } To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity.
Given the amount of identity theft, I & # 39 ; m sure you & # 39 ; ll agree that verifying your information is in your best interest.
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
|
| 07/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
I have a car loan with XXXX XXXX for the past XXXX years and have been requesting a amortization schedule or the ability to view my account monthly as far as how my payments are being posted ( as far as interest and principal payments ). In the last 6 months I have requested this info 4 times and have yet to receive any useful information. I am told by customer service they send the info to my email address each time and I have not received anything from them. The website only shows the current balance and I feel that balance is not correct since I paid XXXX extra in payments over my monthly payments that I am not sure have been posted. Also, the balance that shows changes daily ( customer service says because interest is accrued on a daily basis. ) The only thing that the website is good for is making payments and looking at a balance that might not even be correct.
I feel that a detail copy of your account should be something that the customer should not even have to request from them. After I got this loan I have read so many negative things about this company that I just want to be able to monitor my payments and try to pay it off as soon as I can. Also, my account number has been changed but I was told by customer service not to use the new account number. Question? If it is not the number I should be using then why was it changed? No one seems to be able to answer that question? I'M JUST SAYING!!!!!!!!!!!!!!
|
| 06/29/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
on XX/XX/XXXX I lived in XXXX and my ex husband and i both was on the loan to the vehicle that was a repo. we never heard anything from the company that financed the truck until XX/XX/XXXX I was living in XXXX not my ex he was in XXXX They original company sold the loan to a company in XXXX that collects old debt and XXXX is a wage garnishment state, XXXX is not where he my ex still lives. I filled out all the papers and sent them back to the company/civil court in XXXX and heard nothing about the case for 2 months I then was offered the opportunity to move back to XXXX in XX/XX/XXXX and I moved back here where I currently live. This weekend I received a summons to go to court in XXXX in XX/XX/XXXX I called them and said I dont live in XXXX I moved last year and was told if I do not go to court then I will loose automatically a judgment will be issued and they will get money from my wages. This is why they did not sue my ex XXXX is not a wage garnishment state no court in XXXX will do wage garnishments but XXXX will and being I do not live there how can they sue me the truck was repo from XXXX and me and my EX live in XXXX plus XXXX has a 3 yr SOL on written contracts its been Three yrs the last payment made was XXXX XXXX and I am the only one being sued when there are two name on the buyers contract? Please what do I do I cant pay XXXX XXXX dollars for a truck I do not own.and its a very old repo
|
| 06/12/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I was in an auto accident over 5 years ago and the remainder of my car note was put into collections. I called the company Flagship Credit Acceptance in 2021 in regards to my alleged debt and I was told they have no record of me ever having an account with them. BUT, whenever I check my credit report it keeps popping up as a charge-off and the debt keeps refreshing over and over again. This has severely affected my emotional and mental health and my quality of life. I am a XXXX veteran with 4 kids and I have been denied home loans, auto loans, and risk of unemployment because this debt/ charge-off was on my report. It grossly misrepresented my character ( 15 U.S. Code 1692e ) as an XXXX XXXX veteran of the United States XXXX. Now that I am a civilian, life has been very difficult trying to find safe and secure housing for myself and my children. My right to privacy and my personal information have been misused and abused ( 15 U.S.C. 6801 et seq ) How is it that when I disputed this debt it keeps coming back as " Verified and Accurate '' by XXXX, XXXX, and XXXX? Like who is verifying ME on My behalf?? And also how can they say it's accurate when they don't even have a record on my account anymore? Furthermore, the balances on the charge-offs don't even match! One says for XXXX, and the other says for XXXX! What is really going on?? I do have legal representation and will pursue this matter judicially if necessary.
|
| 07/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Previously, I have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXX, and XX/XX/23. XX/XX/23 Certified Mail Tracking XXXX XX/XX/23 Certified Mail Tracking number : XXXX XX/XX/23 Certified Mail Tracking XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : Flagship Credit Acce Account Number : XXXX has violated my rights. XXXX5 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
|
| 02/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Back on XX/XX/2020 I went back to work after being furloughed due to covid. My hours were cut from 40 hours a week to 30 hours a week. This was due to covid and the pandemic.
My car company was aware of my hardship and had even notated my account as affected by covid. My fianc is in the entertainment industry. Hes been out of work and waiting on unemployment due to covid. So basically Ive been supporting a family of 5 by myself. I had advised Flagship and they were aware of the situation. In late XXXX I made a full payment.
Theyd offered me an extension. When I called back in XXXX to verify it still hadnt been approved. So they advised they were requesting two extensions due to loss of hours and theyd place on end of loan. They never said anything about it hurting my credit. Instead they said to call back and verify if it was approved or not. So I kept calling and finally it was approved in XXXX. As long as I made a full payment. Please see attachments.
Then came my credit. XXXX XXXX, 30 days past due. I disputed then it changed to XXXX. I disputed and now its changed to XXXX. I spoke with a Supervisor she advised it would be fixed. I wrote a letter only for them to write back saying its valid.
In good faith I made an agreement based on my loss of hours because of covid. Now my credit has been adversely effected. They even took the comment off my account stating that Ive been effected by covid.
|
| 01/08/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have received late fees on my account due to my auto loan company ( Flagship Credit ) not processing payments in a timely manner. I have mailed my payments TWO WEEKS before the due date and it takes them four weeks and sometimes longer to post the payment to my account.
Also, I applied for a two month deferment and was told via phone it was approved and I could skip a months payment, so I did not not make a payment. Come to find out the deferment was not approved and they reported to my credit report LATE payments, I have called and called and finally I received an agent that saw what happened and went ahead and approved a two month deferment but she told me she could not correct the reporting to the credit bureaus.
I have perfect credit with NO LATES or non-payments. I have now gone from a 100 % on time pay to a 97 % on time pay with the credit bureaus and I want the finance company to remove the late from my credit report as this is their error and not mine, I pay my bills on time. I also want the late fees removed from my billing as well, I should not have to pay late fees due to they untimely payment postings.
I now call in my payment on its due date and have to pay a processing fee that they charge to ensure my payment is received on time which I should not have to do! They should be able to process a mail payment in a timely matter and not wait 4 - 5 weeks to post a payment every month.
|
| 07/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
We purchased our XXXX XXXX XXXX in XXXX of XXXX .. shortly after this we were forced to filed bankruptcy in FEDERAL Court . We REAFFIRMED this DEBIT with Flagship at that time. We have since been paying on this loan for approximately 5 years going on the last year 6 of the contract. We recently went online to our account and we were locked out. It said we are currently in a bankruptcy status. We then called customer service and we were not allowed to talk to them ( due to account -after 5 years being put in a bankruptcy status ) so we had to speak with a special bankruptcy division then informed us we are not in bankruptcy and we had to speak with another division which was then bankruptcy recovery division. We then found out they recently changed over their system from XXXX account number to XXXX account numbers. They are telling us that due to this " glitched and or system update '' our account and many others are being put into this status. We have NO access to pay our account, we have no access to see our previous payment or other agreed upon contract terms when we entered into reaffirm this debit. It has been promised over and over by managers ( on a recorded line ) that this would be fixed and still has not. we have emailed flagship as well as by reaching by phone. They also indicated an APOLOGY letter would be coming out to us in the mail, and never received anything.
ACCOUNT NO : XXXX
|
| 04/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I am writing to follow up on my previous communication regarding account number XXXX. As I have previously mentioned, I have been attempting to have late payments removed from my credit report associated with this account in order to obtain a home loan.
I have called several times to get this issue resolved, but it has not been rectified. The latest paperwork that you sent me does not address the issues I have raised.
As I previously mentioned, I believe that your company has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 2 ) which states that consumers have the right to privacy and that consumer reporting agencies can not furnish information about a consumer 's credit report without their written instructions.
Furthermore, I believe that your company has violated Section 1666b of the FCRA, which states that a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason.
I request that you take immediate action to investigate my dispute and remove the negative information from my credit report. I also request that you provide me with a written explanation of how your company plans to ensure that my rights under the FCRA are not violated in the future.
I expect a prompt response to this request, as this matter needs to be resolved quickly. Thank you for your attention to this matter
|
| 05/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
When making my payment online, I am required to make almost double the monthly payment. The online payment option does not allow me to input the monthly payment amount, nor the desired payment amount I want to make. It forces me to pay double. The company said I had late fees. I started making my payments by check, paying additional funds each month to take care of the late fees. I requested an accounting of all my past payments and how they were applied and the spreadsheet that Flagship Credit Acceptance sent me did not show that any late fees were outstanding. In XXXX, I tried to make my payment online and again, it required that I make a payment in excess of {$800.00} due to a " past due '' amount. In a final attempt to resolve the issue, I made the payment in the amount of {$810.00}. This month, XXXX, I again attempted to make my payment online and it is requiring that I pay in excess of {$800.00}. My monthly payment amount is only {$460.00}. By requiring consumers to pay double the payment amount, Flagship is forcing them to make late payments or make phone payments which incur extra fees. They have been doing this since my loan started and I have incurred excessive fees as a result. Additionally, they are not applying the extra funds I send to the late fees so that the late fees are always outstanding. I have complained about this and I think they do it to all their customers.
|
| 04/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In XX/XX/XXXX I was granted an extension from XXXX XXXX XXXX for the months of XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I was sent a letter stating that I didnt pay XX/XX/XXXX payment so I called into them to discuss the matter. Ever since XX/XX/XXXX I have tried to correct numerous issues with them but they lie and give excuses. They caused numerous bounces to my bank account in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. They asked me to send in proof which I sent in numerous times by email, fax and a certified letter. They kept saying they didnt receive it which is impossible sent it was sent in at least six to seven times. I complained to the XXXX in XX/XX/XXXX but XXXX stopped answering them. I had to make complaints with the Attorney Generals Office of Arizona and Consumer Affairs. I asked XXXX for a detailed bill telling me exactly what they are charging me including any late fees, bounce fees, etc. They refuse to send that out which I find ridiculous since every other company sends out an itemized bill. They are trying to say that I owe them {$1900.00}, but I only owe them a little over {$900.00}. They tried to say that I owe for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX but I dont. I only owe {$300.00} for those months that I am paying off by the XXXX like my husband told them. They reported to the credit reports that i am 70 days past due but Im not even thirty days past due.
|
| 08/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I am writing to file a formal complaint against Credit Flagship Acceptance regarding the mishandling of my auto loan, breach of our written agreement, and provision of false information. I am seeking your assistance and intervention in addressing the following issues : On XXXX I contacted Credit Flagship Acceptance to inform them that my XXXX XXXX XXXX XXXX experienced a transmission failure and was no longer operational. During this conversation, a representative named XXXX assured me that a voluntary repossession was being processed to alleviate the burden of having XXXX car payments. I relied on this information and made decisions accordingly.
However, when I was transferred to another Credit Flagship Acceptance representative to confirm the status of the voluntary repossession, the other representative not only denied the-request but also exhibited rude and unprofessional behavior. This inconsistent and disrespectful treatment is deeply concerning.
Furthermore, in addition to the false information provided regarding the voluntary repossession, I was promised a full refund for the XXXX insurance I had purchased in XXXX XXXX XXXX.Regrettably, when the refund was processed, I received only a partial amount, with the remainder applied to my car loan without my permission.This violates the terms of our agreement and has created significant financial hardship.
|
| 08/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I asked for one payment to be pushed to the end of my loan so Flagship Credit Acceptance LLC would stop calling my phone 5-6 times a day and my work 1-2 a day. I am always paying in the month in which I am due. Except once when I was a few days behind. Then I found out they were charging me a {$10.00} a day per diem, I feel like that is predatory lending. I pay my car note bi-weekly and I have my bank statements to back that up. I am being charge a {$40.00} late fee all of a sudden because I am paying bi-weekly even though I have been paying bi-weekly since the life of the loan. I have told Flagship since XX/XX/2020 I have impacted by covid-19 and my pay has been drastically reduced.
Flagship told me NOT to email them because they received too many emails and they were overwhelmed. Then I thought to myself a couple months later I better email them so I have documented proof, so I did. I asked to put a payment on the end of my loan, they made me listen to a recording. then they said it has to be approved by their management and I have never heard another word about it.
I am trying my best and I am not even a month behind. They harass me daily with excess calls to my personal phone and work and their fees are corrupt. I need help to get out of this loan and transfer to another servicer. I can not believe that XXXX XXXX would deal with a company like this.
|
| 08/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I kindly request your adherence to the Fair Credit Reporting Act ( FCRA ), a pivotal legal framework established to safeguard the rights of American consumers with respect to credit bureaus. In consideration of this regulatory context, I humbly implore XXXX to undertake the necessary actions to omit the following account details from my credit report : Account Details : Account Name : FLAGSHIP CREDIT ACCE Account Number : XXXX Original Creditor : Company that Acquired the Account : Date of Account Opening : XX/XX/XXXX Account Status : Closed Last Status Update : XX/XX/XXXX Account Type : Installment Status : Charge-off Balance : {$12000.00} Balance Update : XX/XX/XXXX Original Balance : Monthly Payment : {$0.00} Past Due Amount : {$12000.00} Terms : 1 Month Responsibility : Individual Account I emphasize that the account information attributed to XXXX XXXX was not prepared or generated by me. As outlined by the FCRA, which underscores the importance of maintaining the accuracy and fairness of individuals ' credit histories, I earnestly request your prompt attention and resolution of this matter.
Your steadfast commitment to upholding the core principles of consumer rights within the domain of credit reporting is greatly valued. I anticipate your timely response and the necessary corrective measures required to address this situation appropriately.
|
| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report. I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report. According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible. Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know. I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX
|
| 08/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
XXXX The Vehicle was voluntarily surrendered as it was deemed to have been a hazard on the road XXXX. The lender took several months to come and pick up the vehicle in which I was handed the document of their receipt of the vehicle. I was advised that once they closed their records they would be forwarding me the final balance owed. Since the reported date of XX/XX/2021 This action never took place instead they kept the full balance on my credit, I was notified by California XXXX that the title of the vehicle was released after I had to send an email showing that I was no longer in possession. I tried contacting the XXXX XXXX XXXX to find out what the final balances were and was told that they would send all of that information once they had closed the record and updated the amount after Auction. This was never done and now over two years later they are refusing to update the balances owed. Also never received collection calls regarding this debt to date. When calling them they don't show my records either. This is affecting me being able to obtain housing as the credit line item states that I owe {$18000.00} which was the amount I had left to the entire loan term, and several requests have been sent for them to correct there records and they all have gone unanswered and I have had 4 dispute attempts with the three credit bureaus. Still no change.
|
| 09/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I bought a car in XX/XX/XXXX. Unfortunately shortly thereafter on XX/XX/XXXX the vehicle was involved in a wreck and the car was totaled. My Insurance carrier XXXX swiftly paid the value of the car, roughly {$8000.00}. Shortly thereafter, they received the {$2000.00} warranty refund. This left a balance just under {$2000.00}, which is being covered by GAP insurance. And, even with all those insurance payments, I was reported late to the credit bureaus. I signed the car ownership over to XXXX at the end of XX/XX/XXXX, and since it was being paid off, I did not make a payment. I was current at the time of the accident. However, Flagship is reporting me 30 days late to the credit bureaus and additionally sending me past due bills, when they are getting paid out by these various insurances. They are piling late fees on top of this as well. I wrote Flagship a letter in XX/XX/XXXX, asking for clarification, and I received no response. I reported to XXXX and also the Better Business Bureau. I am not understanding why I am being reported late and late fees added on a totaled car being paid out by insurance. I already bought a new car after the accident, and have been making payments on it. I never imagined I would be pursued for payments on this totaled car. Please help me. Flagship credit acceptance will not communicate with me at all, nor help.
|
| 07/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
XX/XX/XXXX, our vehicle was deferred for 2 months due to the covid pandemic and catching up on bills. We never received any 1. Paper bills. 2. Actual, live person calls ( they only used to send automated ), 3. Any email correspondence. Which is where my husband gets his bills. Nothing. They sent it to collections when a month wasnt paid. But when he logged into his account with the loan, it even showed his account in the " green '' meaning, he was all caught up, due to the deferral. No one tried to contact him or me. Apparently, due to his pay, he'd originally set up weekly payments to equal the total each month. ( He gets paid weekly ), EVEN THOUGH, once they sent this to collections, they finally tell us " oh we don't do weekly payments. Because the amount they set him up for, he was a bit short for the month. '' But it was THEIR REPRESENTATIVE who came up with the amount, approved it, and his loan was in covid-19 deferral. They also had incorrect phone numbers in their system ; and our old address from 6 months prior. Though, my husband had called to update. Flagship supervisor XXXX, said they'd take care of it, and if we dispute it. It should come off. It didnt. They STILL refused to drop it though our account is paid up, and it was in deferral, no bills or late notices were sent to any contacts, and our contact info was wrong.
|
| 10/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
First, I had an car accident in XX/XX/XXXX, XXXX XXXX XXXX. The car was claimed totaled by my car insurance ( travelers ). I had to sign power of attorney to travelers insurance in which I did. XXXX XXXX paid their part of the settlement on the XXXX.
I also had gap insurance XXXX XXXX XXXX. They also paid their part of the settlement. This left a little over XXXX in interested to be paid. I called XXXX credit, the company that hold my car loan, I informed them that all parties have paid their part. I asked, why was my account still showing a balance. I asked about the principal and interest difference. I was told, I still owed the interest even if the balance was paid. I asked about making a smaller payments. I was told in XXXX they were waiting for an extended warranty payment. I could then possibly make smaller payment arrangement afterwards. I called back in XXXX. I was told they just sent out letter in XXXX, requesting for the extended warranty payment. I was told it takes about approximately 6 weeks. My account stills shows no update of a extended warranty payment.
Meanwhile, the interest is steady going up on the car loan and my credit score has dropped more then 50 points. I am having a hard time resolving this matter and need some help. I assumed interested stopped once principal is paid regardless of how it paid.
|
| 12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLAGSHIP CREDIT ACCEPTAN XXXX XXXX XXXX XXXX XXXX. XXXX In accordance with the Fair Credit Reporting act, the list of the accounts below has violated my federally protect consumer rights to privacy and confidentiality under 15 USC 1681.
The accounts below have violated my rights.
15 U.S.C 1681 section 602A, 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 an account without my written instructions.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] : No consumer reporting agency my 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.
623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Delete the accounts below
|
| 07/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I noticed this account from XXXX on my Credit Report back in XX/XX/XXXX. No clue who they are. I have disputed this account for the last 4 years and 5 months. Recently they sold it to XXXX XXXX who now has a collection agency handling it but not on my credit reports yet. I have disputed this account about 10 times and each time they say it is mine. Finally in XX/XX/XXXX I got a copy of their loan agreement. It has no social security number listed, no birth date and the signature is some docusign and says XXXX XXXX. Not even my name as I always use my full name with middle initial. XXXX XXXX is doing nothing to investigate this properly as I have attached the documents to prove to you. Which I have also sent to XXXX XXXX and all 3 credit bureaus but seemed to get me no where. Also now my credit reports says XXXX XXXX reports I made a payment on XX/XX/XXXX on 1 credit report and XX/XX/XXXX on another report but on one report said I never made a payment. This is destroying my credit and nobody is helping. I want proof this is mine and can't get it. I want to see my social security number that was used, birth date and proof these payments were made when they say, Also noted XXXX I never got a letter or a phone call from, all of a sudden they sell this account to XXXX XXXX and now they are calling. Please Help me resolve this.
|
| 10/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/XXXX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) states, in part, 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.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter
|
| 01/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Back on XXXX XXXX, XXXX I was informed by a mortgage lender that Flagship Credit was still showing a balance of {$10000.00} on a XXXX XXXX XXXX which was showing open on my credit report. I had surrendered the truck to them in XXXX and was informed to take my tags off which I did. On XXXX, XXXX I called Flagship Credit and I talked to a gentleman named XXXX ( which he never gave his last name ) about the truck loan. XXXX said that I have an unpaid balance of {$10000.00} but he could drop it down to {$7000.00} or as low as {$3500.00}. I asked how did you come up with those amounts. I asked if he could mail me proof of balance owed and to let me talk it over with my wife and I call him back. I later that day called back and spoke with another gentleman ( this never gave his first or last name ). He informed me that the loan would have to be paid off in 24 months at which he denied to except my {$50.00} a month payments. I then asked to speak back with XXXX and this gentleman said XXXX was at lunch but he would have him to call me back which he never has. I asked if he had my number and he replied its on the caller id. With no response I then emailed them on their website with this matter twice and still no response. I've since tried to access my account on XXXX XXXX which now says account is closed and log on is disabled.
|
| 10/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Older American |
|
The following information you are publishing about me is incorrect and inaccurate because you published it in your reports as accurate and verified several times. The examples are from you report copies and they do not match. Flagship LLC # XXXX First you published inaccurate
balances of XXXX and XXXX and keep publishing them. violation. Exhibit # 1 ( 2 ) After you claimed verified and accurate Second you have changed my ID address # on my report with flagship LLC. violation Exhibit # 2 ( 1 ) Also, you had been Reporting two months late and know you made it 90 days. Violation NEVER QUESTION VALIDIDTY OF LATENESS YOU HAD VERIFY PREVIOUS REPORTS AS ACCURATE AND VERIFIED Exhibit # 3 Also, you change the date for first reporting to XX/XX/XXXXand it was originally
XX/XX/XXXX.violation NEVER QUESTION VALIDIDTY OF LATENESS YOU HAD VERIFY PREVIOUS REPORTS AS ACCURATE AND VERIFIED. Exhibit # 4 Also, you took out one year of perfect payments. Exhibit # 5 Enclosed are copies of your reports and verifications. I request that you delete the above-listed tradeline immediately and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification.
|
| 07/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have a used vehicle loan with FLAGSHIP CREDIT ACCEPTANCE since XXXX of XXXX. The lender is falsely reporting that the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments were 30 days late. Lender 's own payment history on account demonstrates otherwise. FLAGSHIP CREDIT ACCEPTANCE processed a payment on XX/XX/XXXX for {$510.00}, processed a payment on XX/XX/XXXX for {$510.00}, processed a payment on XX/XX/XXXX, and a processed a payment on XX/XX/XXXX. I have attached a print out of payment history from the lender 's customer portal on their site https : //my.flagshipcredit.com/Default.aspx? BrandingID=Flagship #! /paymenthistory. The payment history confirms payments during those months and also include payments made before and after as well. I have also attached canceled checks for those aforementioned payments.
I have made a complaint through creditor that was not addressed by lender and I wrote lender a letter with attached proof pf payments via USPS return receipt letter that lender did not reply.
The error is not only false but is severely hurting my credit score. FLAGSHIP CREDIT is implementing PREDATORY LENDING behavior as it uses credit history or erroneous payment reporting to harass and discriminate against borrowers.
FLAGSHIP CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
|
| 06/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Good afternoon, I have mailed a payment to my finance company on XXXX and per the money order company it was cashed by my finance company on XXXX. The funds have yet to be posted to my account. My account is now over 60days past due and facing repossession. I am trying to avoid repo action. I have spoken with a supervisor; emailed proof of the money order as well forwarded an email from the money order company to the supervisor. The supervisor assured me that the request was made to research the issue, as well as other representatives have assured me the same thing since I have been calling in regard to this issue. My account has now endured fees, extra interest and my credit has been affected. Each time I have called I am told that my account is under review. It has been too long for no resolution. This is my third complaint with my finance company, and this should not be. If I am being treated of such how many other customers are in this same predicament? Some of the representatives have attempted to collect more of the past due balance by advising me that I owe one amount but in all actuality I owe less. They quote me an inaccurate past due amount. Attempting to collect on an amount that I do not owe. This stresses me even more. I am already taking several medications, and this does not help me.
|
| 03/31/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
I have gotten calls from XXXX XXXX, Flagship Credit, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. I most recently spoke with an agent on XXXX/XXXX/16 at approx XXXX. The agent was polite and provided the above info after I advised her I was sick of the calls and was going to file a complaint.
Approx 6 weeks ago we received several calls from this company and they left no message. When they called at a time I was home I answered a call from them, after I found out what they were after I answered some questions to verify I was not the person they were after. Some weeks went by and I started getting some calls again, no message left, again when I was home I answered the call. I told them I had answered their questions, cleared up the issue, I would not answer any more questions and to quit calling me. At this point I became uncooperative and remain so.
A week or so passed and more calls with no message. Again when they called and I was home I answered and spoke with XXXX, this time I gathered contact information, informed her I would answer no questions and I was filing a complaint.
I get the whole deal on collecting debts, they have a complex job but when someone cooperates, verifies some info, and continues to get calls they create a poor reputation for their company and the industry.
|
| 11/04/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I called Flagship in regards to my vehicle loan to let them know that there was a {$4700.00} check on its way to them. I asked to be transferred to the total los department as that was where I had been previously told that was who I needed to talk to. They bounced me around the first time I called and the. Sent me to someone 's voicemail. I hung up and called back. I asked to be transferred to the total loss department once agin. They transferred me to a female named XXXX who stated that she was my representative. I asked if she was in total loss. She said that she was not. I asked to be transferred and she declined to transfer me stating that she was handling my account. I informed her that the check was on its way from the gap insurance. She asked me to hold on and then placed me on hold. She kept me on hold for approximately 5 minutes. When she came back on he line she then proceeded to tell me that she had to transfer me to another department. I asked her why she did not just transfer me when I asked and she would not answer. She kept talking over me. I asked to speak with a supervisor. She said she would transfer me. The next thing I know I am listening to a XXXX recording. I hung up and called and spoke with a supervisor who stated that she must have dialed the wrong number.
|
| 07/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
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., has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 12/12/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XXXX XXXX,2017 CFPB had sent me a response from XXXX XXXX AKA XXXX XXXX about the discrepencies in the application of payments on this loan, have paid 27 payments on a loan at 13.9 percent interest, totaling XXXX monthly payments XXXX I got behind and then made a lump sum payment to company. The representative sent a ledger of in consistent applying of payments to my loan. They can never give a clear answer or audit the loan by reapplying each payment to clearly adjust the balance, In good faith after I filed my last complain a person from the company responded to you, they stated in this document they would adjust good faith XXXX off the loan balance which they did not do, they further were to do a deferrment and bring the account current so I could resume the loan, after you posted the response I waited to here from the company. I never received any communication directly and when I tried to call the person who replied to the complaint I was transferred to collections demanding lump sums of money or they were charging off the loan and repossessing the vehicle, as of date I have tried to get this loan resolved and no one is working with me. I feel I am going to be forced into legal action to protect my rights, and have this company forced into a repayment plan with me.
|
| 05/12/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Firstly, I have tried multiple times to try to email and mail the company to obtain a copy of the original loan ; however, the company has never provided me with one. Additionally, I currently am XXXX XXXX service member and I have not been in Arizona for the past 4 years to be able to sign up for a car loan or obtain a car. I was previously married to my ex-husband ; however, we are divorced now. I know this car loan was opened without my consent or permission from my ex-husband and the car dealership. I have also tried making contact with the dealership to obtain a copy of the loan they, unfortunately, do not retain records of that. I have been dealing with this for about 2 years now. So when I finalized my divorce on XX/XX/2017, I included the Auto Loan into the debts that my ex-husband would pay to further protect myself. The judge sided with me. He, unfortunately, will not provide me with any documentation and will not respond to my emails and has blocked me all on social media sites. He voluntarily returned the vehicle and will not make any payments towards it. Now it has been written off on my credit report around {$16000.00}. I really need someone to help. I have legal representation to file a complaint and documentation from the court of XXXX XXXX in Arizona.
|
| 09/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
This complaint is related directly to Flagship Company who I am in a current contractual agreement with regarding my vehicle. On XX/XX/2020, I called in and spoke with XXXX who is a manager in collections provided a verbal authorization for a 1 month deferment for my XX/XX/2020 payment ( which would be 14 days past due at the time ). Upon calling to make my XX/XX/2020 payment on XX/XX/2020 I was advised that I was still due for the XXXX payment. I informed that although the verbal authorization was notated on the account, the required paperwork was not sent out to me to complete the deferment. I would have no indication of that just being a borrower not an employee and in regards to speaking with a manager I would have thought that all the necessary requirements were completed. Due to Flagships negligence, I received a 30 day marker for my XXXX payment in which I have never been late on the account since I've obtained the loan. I feel that because this is an error on Flagships part in regards to NOT sending the required paperwork, I should not be penalized because the ball was dropped on their end. This 30 day late marker has impacted my credit report tremendously. I hope that you will take the time to review my request and find it have this corrected expeditiously.
|
| 01/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
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I purchased my vehicle brand new in New York State had a loan with Flagship Credit Acceptance. I chose gap insurance at the time of purchase. My vehicle was in a total loss accident XX/XX/2020. My insurance company issued payment to them for {$10000.00} which would leave me responsible for the remainder of the loan of {$5800.00}. The company is saying I do not have gap insurance. I have a copy of my original signed contract by me and the dealership with the box clearly checked for gap insurance, my dealer does as well. According to my dealer in New York State it is included in your contract with your loan from your finance institution if you opt for gap insurance. Both myself and my dealership have contacted XXXX numerous times. There is either nobody available in the insurance department or we get XXXX in the loan department who basically said just dont pay the remainder of the loan because Flagship really never goes after people legally for the balance owed!! When asked about my credit report he couldnt guarantee that it wouldnt be affected. I am getting nowhere with this company and they are breaking the law holding me accountable for a balance on a loan I have gap insurance on. I cant seem to get anyone who knows anything about gap insurance in New York State.
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| 05/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I had a car loan with Flagship Credit Acceptance , in XXXX XXXX the car was totaled and the insurance company was to pay the car in full, The insurance co forgot to mail the payment to Flagship causing additional fees. Flagship received the payment in XXXX XXXX .When the payment was applied to the account I did not receive a payoff letter on a bill showing the balance and no payment due. This has gone on for a few months until I called customer service to find out why I was still receiving a bill. I was told that the payoff balance was short and I explained how can that be when after the insurance company sent a a payment plus I sent an additional {$420.00} to close the account. For several months a tried to get this resolved, I was told by several customer service reps that Flagship does n't mail out payoffs and that 's when i filed a complaint with the better business bureau. Flagships poor business practice has errouneously reported incorrect information to the credit bureau. My account should have been paid ahead until the issue was resolved. I filed a complaint with the credit bureau, my account was report ing 60 to 90 days late, Flagship being spiteful replied that the issue is resolved and now changed the account to 90 to 120 d ays late.
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| 08/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
Older American |
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My XXXX XXXX XXXX was declared totaled by XXXX XXXX insurance on XX/XX/XXXX.
It took Until the end of XX/XX/XXXX for flagship credit acceptance to post the third attempt from XXXX for the pay off check. XXXX had sent my refund for an extended warranty to Flagship for XXXX the middle of XXXX. There was no problem with Flagship receiving or posting that payment. Now that my loan is paid in full, I am unable to reach anyone to speak to at Flagship Credit Acceptance and they have {$2600.00} from XXXX to for my extended warranty and they have an overage from my payoff of {$460.00}. So over {$3000.00} they are holding. I can not reach anyone to learn when I will receive the refunds. I am unable to buy a car until I receive this money plus both payments should be sent yo regardless since it is my money. Previously when I have tried to email flagship, they do not read the email Flagship I get a return email a month later asking the questions that are clearly answered in the original email. Also, Flagship does not care about their customers. Once you have the loan paid off, you are unable to speak to anyone or get through the automated phone system. My account number has changed since the loan has been paid off. And now I have no way to get past the phone system period
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| 06/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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My loan is past due, but I have been making payments and have been told that I am good. The loan company is Flagship Credit. On Friday XX/XX/XXXX I made a payment and an agreement to continue to make a payment within the next 30 days. The agent was in agreement.
On XX/XX/2023 I got call from Flagship and as I answered they hung up, On XX/XX/XXXX, at XXXX XXXX I got a call and answered and they hung up on me. I get another call XXXX XXXX on the dot and again they hung up on me. I get a call yesteday ( XX/XX/XXXX ) at XXXX I talked to them for 6 minutes and 59 seconds and the agent ended up hanging up on me because I kept demanding to know why the multiple calls after an agreement was made, I got another call this same day at XXXX and again they hung up on me. Today ( XX/XX/XXXX ) I got a call at XXXX and they hung up, I got call at XXXX and asked the agent why they were calling and that I was filing complaint, she hung up. then at XXXX ( not even 10 minutes later I get another call from them and they hung up.
They led the consumer to think that they have an agreement then hound them every day until the agreed date. When you are able to get an agent to stay on the phone they will act like they XXXX XXXX XXXX and refused to answer direct pointed questions.
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| 06/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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We purchased the vehicle in XXXX of XXXX. Since then we have had XXXX children ( both XXXX XXXX XXXX and lost wages ) I am currently XXXX with our XXXX baby. We had to move and in XXXX of XXXX I made a payment and was told it was for XXXX. Today XX/XX/XXXX, I spoke with XXXX. She states that I now owe for XXXX, XXXX, and XXXX and that a right to cure letter was sent to my current address ... that we moved to 7 days ago, stating that we were in default and had to be completely paid by XX/XX/XXXX. I explained we just moved to this address and I never received the letter. She said regardless I needed to pay by Saturday morning. I do not have the find until XXXX and explained that multiple times. She stated I needed to pawn items, borrow money, get a payday loan ( which are illegal in Arizona ) or she would start calling the references we provided to ask for money. I asked what would happen if I didnt pay by Saturday and she refused to tell me. She said she would notate the account. Its currently 68 days past due as of today the XXXX. I am receiving a settlement payment around the XXXX and had planned to make it completely current then. They have also reported me late multiple times in one month to the credit bureaus so its hitting my credit 3-4 times a month.
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| 10/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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To whom it XXXX concern, My finance company Flagship Credit Acceptance is using an illegal forwarding company that is based out of XXXX and has no business license in the state of california to operate. XXXX XXXX is the company and XXXX is the owner.
My car was repossessed in XX/XX/XXXX by XXXX XXXX and XXXX XXXX, they both came into my underground parking illegally and lied about where they picked my vehicle up from. To this day XXXX is still operating out of California illegally. I received a settlement from XXXX XXXX and XXXX XXXX, I wanted to make the CFPB aware of this and the practices of Flagship Credit Acceptance and XXXX XXXX along with their partnership.
XXXX from XXXX XXXX showed up XXXX on XX/XX/XXXX just before covid. He took pictures and i asked " am I going to get visit from Flagship concerning my vehicle, XXXX assured me I would not. This was the 2nd time XXXX XXXX has come to my place and made contact before or after the CFPB time frame.
I received a phone call on XX/XX/XXXX at XXXX From Flagship and I am in the state of California and this is the 2nd time this has happened with Flagship. The last time Flagship blocked me from making any contact with them please insure they do not do this again when they are investigating.
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| 06/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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My previous complaint # XXXX was closed without me answering back to this company. It is not fair that i am not allowed to also respond back and my comp [ lain is simply closed when i belive my rights have been violated.. i am putting in another complaint with my response. Below is my original complaint. Flagship Credit Acceptance wrote the CFPB back with a response and documentation which i attached.
I wrote Flagship Credit Acceptance in regards to a repo listed on my report. I am not denying the account however i do not believe the amount they are claiming i owe is correct. They are reporting an amount on my credit report that is not accurate. I was never sent any letter in the mail in-regards to the sale of the vehicle. i was never sent a detail breakdown / deficiency balance nor was i sent any documents showing the fees or how much they received from the sale of this vehicle. They sent me statements of my payments when i did have the car but not the original letter with the sale. I believe state laws do require that a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time was adhered to. When the car was sold these documents was never sent to me.
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| 10/27/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
Servicemember |
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back in XXXX of 2014 I purchased a car from XXXX XXXX. We financed our car thru FlagShip Credit Acceptance for XXXX. After about a year I decided I would take my tax return and pay the majority of the car off. I called FlagShip not only to find that they had transferred my car over to another company ( XXXX XXXX XXXX ), but my rates and payments went up. I was never informed of this until the day I called. They proceed to tell me I needed to make a payment because my monthly payments had gone up months ago. I was never aware. I went from financing the car for XXXX to having credit acceptance take over and them saying they changed the finance to XXXX. The car alone is only worth XXXX. After talking to legal aid they suggested I repo the car. I just had a baby. there was no way I could afford XXXX monthy rent, XXXX utilities, car insurances, renters insurances, car payment, and feed my family at the same time. I was only an XXXX when I bought the car and got promoted to XXXX after my daughter was born. Last week I spoke to XXXX from XXXX XXXX XXXX in XXXX, CO. He informed me everything that has happened between FlagShip and XXXX XXXX was not legal and they took advantage me. He then told me to contact you guys so I can make a complaint.
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| 06/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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My Vehicle Was a total loss in XX/XX/XXXX. My Primary insurance company paid their responsibility from my policy to the holder of my loan ; XXXX XXXX. When XXXX XXXX received this payment they reported the decreased amount of {$5400.00}. to the credit reporting agencies. My GAP insurance took 5 months to pay their responsibility, which has been received by flagship financial in XX/XX/XXXX, because there is a small amount left behind of {$2400.00}, XXXX XXXX " refuses '' to work with me on a payment schedule to satisfy the outstanding amount. They Also Will Not Report To The Credit reporting agencies the amount of {$4500.00}. that was paid by the GAP insurance. As My Debt To Income Is Effected By This, I Am not able to qualify for a loan to pay off the balance owed to them.
They Refuse To Take Any Less Than {$480.00}. A month to pay off the remainder from me. As I Had to purchase a replacement car when my was totaled, I am only in a positing to pay {$150.00} a month until the remainder is satisfied.
In My Attempts to work with them, the company representatives are extremely rude and their actions are disturbing towards someone pleading to work out a way to meet my financial responsibility, and they refuse to take partial payments.
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| 08/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I made a payment on XX/XX/XXXX through XXXX XXXX XXXX 's website using XXXX XXXX XXXX as normal. However on XX/XX/XXXX I received a voicemail message. I returned the call early the next morning ( XX/XX/XXXX ) and spoke with a Mr. XXXX. He indicated that it appeared that the system was unable to locate my account. He said there may have been a glitch on their end since they were updating their system. I used another form of payment and made the payment. He indicated that any fees incurred were waived and my account was at XXXX. On XX/XX/XXXX I spoke with Ms. XXXX because when I went to make a payment on my account online, it said it was blocked because it was overdue. She informed me that their system had been down over a week but my account was current but the late fee and miscellaneous change was still reflecting in the system. I explained to her that I had spoken with Mr. XXXX and he had ensured me that those fees were waived. She said she saw the note but nothing about fees being waived. She said she would put in the request. I just received my current bill and the fees are still on my account, which total {$42.00}. I don't feel I should be obligated to pay them since they were having problems with their system.
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| 06/04/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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Hello, I have a complaint with Flagship acceptance, which is a loan company that we have. we have only been in this loan for almost a year. XXXX will be a year, my husband filed chapter XXXX and discharged from it, and I need a car and he went to couple of dealerships and they were all willing to sale him a car but they all wanted to put him in a high interest loan. I was turning in a lease that I was previous driving. so he landed at XXXX XXXX in XXXX Ga. the sales and finance people there told him he was going to have to pay this high interest rate because of his filing. we now have a 20.85 % percent rate that we ca n't trade out of not even with them. they do n't even want their own product back and flagship claims on their website that costumers should n't be more than just a credit score. and that their PAST should n't DICTATE their FUTURE. I just was making a payment on the loan we have and felt taken. we have a car that 's only worth XXXX or XXXX and we owe XXXX dollars where we are only paying pennies to the principal. I 'm just tired of these loan sharks that prey on peoples who are in need. I know this kind of thing happens all the time this is just a form punishment. XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I had a few late pays in XX/XX/XXXX and incurred late fees, but brought my loan current in XX/XX/XXXX. I have paid on time every month since XX/XX/XXXX, but XXXX XXXX posted my monthly payment incorrectly back in XX/XX/XXXX and still haven't corrected the problem even though I have spoken with them at least six or seven times and was assured that the money would be reallocated and posted correctly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. They harass me at least five times a day - saying it is important that I return the call. Every time I call or answer their call, they assure me that the problem will be corrected. It hasn't been and I'm tired of wasting my time talking to them. When I answer their call, they state " do you realize you are XX days late on your payment? '' I ask them to look at the notes from the previous caller and then they apologize and state they will put another request in to reallocate my funds to my payment. I ask them to make sure to remove any late charges that they have been charging me, and the caller states " once the funds are reallocated, they can remove the late charges. '' Neither has been corrected. I want this to be resolved and the calls to stop, PLEASE!
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| 03/16/2023 |
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
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|
Web |
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This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXo my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
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| 12/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
My loan matured with Flagship in XXXX XXXX XXXX. However I was told it would not mature until XXXX XXXX XXXX.I was in constant contact with Flagship. During the course of this month I was given several incorrect statements by the representatives. I was told my loan would not mature until XXXX. Then I was told I would need to pay {$30.00} for a loan payoff. I could not get information on the balance of the loan without paying for the information. In XXXX XXXX XXXX, I made several payments to payoff this loan, I did not miss any payments and spoke with the representatives through out the payoff of the loan.. I was assured as long as I made payments they would not report my account to the credit reporting agency. They also charged exuberant fess at the end of the loan, making it impossible to pay off the balance. I was not able to drive my vehicle for 3 months after the payoff because Flagship would not remove the lien from the title. Therefore the state I relocated would not transfer the tag. I was given so many inaccurate statements by this company. I complained many times and was told there werent any notes on my account about the complaints. In other words my complaints were ignored.
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| 02/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
|
On several occasions when I have made payments the company had taken the payments and applied most of the money to the interest and almost none of it to the principal. When I discovered this I asked them why and they wouldnt give me a clear answer, said that they would apply the money as they saw fit. I raised several objections and let them know that I was aware that thier transaction application was illegal and they were misapplying the funds deliberately turning my loan upside down and I wanted to know why. Again I got no answers. Time and again I have tried to work with this company but I seem to keep falling behind in payments somehow and fees are constantly being racked on that I dont know where they are coming from and addition money is always being asked that I pay but once again I dont know for what. Now Im so upside down on the loan that I cant trade in the car and I dont know how to get out from underneath it!!!!!! The dates are too numerous to list and I can tell you that the conversations with them are daily a least two or three times a day, and I usually dont know its them thats calling because their phone comes up with names like XXXX XXXX or some unknown business.
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| 03/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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I've purchased a vehicle in XX/XX/XXXX and financed by Flagship Credit. My purchase included service contract for {$990.00} and additional warranty for {$3000.00}, but since my vehicle is a Certified vehicle with excellent warranty, I cancelled both contracts with XXXX XXXX. They sent the check to Flagship and both checks were cashed on XXXX. They credited my account {$990.00}, but but not {$3000.00}. When I called, was told to provide the letter from XXXX, which I provided on XX/XX/XXXX, nothing happened, so I called week later, and story changed, letter is not good enough, they need image of cancelled check, so XXXX sent it to me on XX/XX/XXXX, and I sent the information to Flagship. Than I was told it will take couple of days to verify, but nothing, it's been 2 weeks and no communication of the status, all I hear is I can't talk to accounting and I have to wait as Customer care do not have any information. I've been calling and emailing for almost a month now and I feel they are stalling or not looking into my request. This is no way to do business, if I'm late on my payment, I'm sure they will send notification right away. All I want is my money credited to the account.
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| 07/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
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Web |
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In XXXX of XXXX, my mother and I went to XXXX XXXX XXXX looking for a used car. I just turned XXXX and this was my first vehicle loan. The car already had pre-existing damage on the right front bumper/headlight area which was not noticed at the time of purchase. The reason for my complaint is that I was over charged for the car and the interest is excessive. The XXXX XXXX XXXX for the car today is around $ XXXX {$6200.00}, which means 9 months ago the book value on the XXXX XXXX XXXX XXXX was only around {$9000.00} to XXXX or less, but I was charged {$15000.00}. There was also a NA charge of {$2400.00} undocumented. I do not know what that was for. My complaint is that I have made 9 payments of {$530.00} which totaled {$4800.00} but my payoff amount is {$17000.00}. Very few of my money from my payments are being applied to my loan, so a majority is going to interest which is Total paid of {$18000.00} - XXXX = XXXX but again the payoff is {$17000.00} so {$3900.00} went to interest. I would like my loan cancelled so that I can purchase another vehicle with a more favorable interest rate. I feel as though I was definitely taken advantage of being a first time car buyer.
|
| 10/20/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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In either XX/XX/XXXX or XX/XX/2015 My now former neighbors XXXX and XXXX XXXX approached me to ask me to co-sign for them on a loan to finance a Jeep Liberty suv.
XXXX was about to finish school as a veterinary technician student and had some promising prospects for employment after graduation and he gave me his word that he would not fail to make the payments on the vehicle if I went forward with co-signing for him.
In XX/XX/2015 I had some trouble with my suburban and needed to borrow the Jeep to go to the office and get my paycheck. When I asked to borrow it, XXXX said that there was no insurance on it at the moment and the registration was lapsed because he and XXXX had failed to maintain financial responsibility by keeping proper insurance according to AZ law yet the XXXX continues to drive the vehicle despite not being in compliance with the law thus jeopardizing my drivers license as well should he be stopped for any reason by the police.
Shortly after they stopped making the payments altogether resulting in the vehicle being repossessed by XXXX XXXX XXXX.
This affected my credit and has made it nearly impossible to get any credit to buy a new vehicle.
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| 11/25/2019 |
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 |
|
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XXXX XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic.
The inquiry in question was apparently made by Flagship Credit AcceptanceXXXX XXXX XXXX XXXX, TX XXXX I contacted Flagship Credit AcceptanceXXXX XXXX XXXX, TX XXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible.
Thanks for your prompt attention to this matter,
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| 12/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have had a loan with this company for 3 years approximately. On my credit report it shows I have 2 30 day late payments. I have called the company and also submitted a dispute with the credit bureaus ( XXXX, XXXX & XXXX ).
I use their online website to make payments.
On XX/XX/XXXX and XX/XX/XXXX it claims I made 2 late payments after 30 days. I submitted these payments per their website. Come to find out a error occurred and the payment did not get processed between the website and my bank. I was never notified of this and therefore I was unable to make it right. After they flagged me with the second late payment in XXXX, I decided to use a alternate method for payment.
I told them I can not be held accountable for their system error. I have been a good customer and made all my payments on time. They respond very quickly saying they report fairly and sent the same generic letter any company would. I feel like they are not investigating their system and finding what bug has caused this error. I just want them to fix whats right and not to give me some quick response.
We all have jobs and I feel like they are not doing theirs as a professional lender.
|
| 01/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
On XXXX XXXX XXXX I spoke with Flagship Credit about not being able to make my payment in full until XX/XX/. At the time I had requested that they call my cellphone phone instead of my work number. The man on the phone assured me they would no longer call my work phone and that has been true thus far. He attempted to pressure me into making my payment over the phone while I was at work even when I told him I only had about {$50.00} in my account. I assured him that the payment would be scheduled online and it would be pain on XXXX XXXX XXXX He said he would take me off of the call list until that date. They called my husband one time on XXXX XXXX XXXX and called me 3 times on the same day. They have also called me 3 times on XXXX XXXX XXXX The amount of phone calls is becoming ridiculous and I was only XXXX week late when they called. They are calling me like I am months behind on a payment. I've given them the when and they can't even given me the courtesy of seeing if I do it. I'm not perpetually late. I would not recommend anyone to use this company based on the last few days of being harassed with phone calls. Some have even come as late as XXXX XXXX
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I am making a CFPB complaint against XXXX XXXX XXXX and all 3 credit reporting bureaus. On XX/XX/XXXX, XXXX XXXX XXXX reported a charge off as a major derogatory mark on my credit report to XXXX in the amount of {$290.00}. Per IRS Publication 4681, Charge offs on credit report are certificates of indebtedness which becomes income and income can not be reported to your credit report. Prior correspondence was sent regarding the issue on XX/XX/XXXX to the Chief Finance Officer of XXXX XXXX XXXX, XXXX XXXX.
I am making a CFPB complaint against XXXX XXXX and all 3 credit reporting bureaus. On XX/XX/XXXX, XXXX XXXX reported a major derogatory mark on my credit report to XXXX in the amount of {$1100.00}. Prior correspondence was sent to the company on XX/XX/XXXX where I exercised my right to opt out per 15 USC 6805.
I am also making a complaint against Flagship Credit Acceptance and all 3 credit reporting bureaus regarding pure accuracy reporting per 15 USC 1681. As of XX/XX/XXXX, the payment reflection on the report is inconsistent for all 3 reporting credit bureaus. Prior correspondence was sent on XX/XX/XXXX to the CEO of the company regarding the issue.
|
| 02/06/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
After experiencing XXXX I had XXXX XX/XX/2015. This XXXX along with the XXXX forced me to take an extended leave of absence from work. I contacted Flagship Credit Acceptance to make my XX/XX/XXXX payment on XXXX XXXX, 2015. When asked why I was 7 days late, I explained about the XXXX without divulging my PHI information- I was XXXX and admitted as an XXXX something rarely done today. The representative wanted to know what body part of mines was operated on. I know that this was definitely a violation of not only my human rights, but PHI ( personal health information ) and he was going to share this information which was a HIPPA violation. I have been also told on numerous occasions by the Flagship Credit Acceptance Staff that they do not offer better terms refinancing on their loans and was advised to contact the dealership XXXX of XXXX regarding refinancing. XXXX of XXXX then refers me back to Flagship Credit Acceptance who continues to do business locking consumers in their predatory lending making it nearly impossible to locate financing with other lenders because like myself I am underwater or upside down in a car loan that is only 14 months old.
|
| 12/04/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I was late on making a payment for XXXX. I had thought I paid via phone. I spoke with a representative last night who called from an XXXX number. When she advised I was 21 days past due I told her I would look into my account today and call them back today. This morning my cell phone rings and the # is identified as a wireless caller from XXXX # XXXX XXXX XXXX. I have had numerous call from this # with no message. My cell phone is a business phone and I have business in that area. During work XXXX. I answered the call and they gentleman identified himself at that time as working for Flagship Credit Acceptance. I advised him I spoke with someone last night and would be contacting them later today on the matter .... I hung up called back the # and it does state when you call back that you are calling Flagship Credit Acceptance. I requested to speak with a supervisor because I believe this is a deceptive act. The employee who answered the phone would not provide me with a supervisor unless I provided him the last XXXX of my ss # and hung up on me.
I believe it is unfair to call from false # 's or incorrectly identifying # when trying to collect a debt.
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX DEPARTMENT {$79000.00} POSTED ON XX/XX/XXXX XXXX REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT FLAGSHIP CREDIT ACCEPT {$16000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$390.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$79000.00} POSTED ON XX/XX/XXXX XXXX REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT FLAGSHIP CRD {$16000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$390.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$79000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT FLAGSHIP CREDIT ACCE {$9300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
|
| 03/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
My car loan is behind for 3 months. Just like the rest of the world I had experience hardship. However, I do understand that business is business and I must make my payments. I spoke with an agent by the name of XXXX on XX/XX/XXXX and I advised her I wouldnt be able to make a payment until the XXXX of XXXX she stated that wasnt good enough. She then called back on XX/XX/XXXX and I advised her of the same thing again. I advised I would like to keep the car however I dont get paid again until the XXXX she basically told me there wasnt anything else for us to talk about. This setting of conversation is unprofessional and inappropriate. No matter how far behind a consumer is we are still doing business and deserve respect. On XX/XX/XXXX I spoke with another rude unprofessional agent by the name of XXXX. This lady felt as if everything was funny. She continues to over talk me and wouldnt listen when I address her about it she started laughing as if it was funny. I see why Flagship has 2 when it comes to consumers because of agents like this. I dont dispute the amount due but I be XXXX if by any means this company treats and talk to me any type of way.
|
| 04/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I contacted XXXX over the phone after I discovered fraudulent credit inquiries on my credit report. The XXXX representative that answered the phone informed me I needed to contact the creditor directly. However I had already reached out to the creditor and the creditor informed me I needed to contact the credit bureaus. Therefore I immediately informed the representative that I had already reached out to the creditors and I informed her I was frustrated at this point because I felt like I was getting the run around and nobody was helping me solve this situation. The representative stated she needed to transfer me to the fraud department. Once the XXXX representative transferred my call to the fraud department I went over the fraudulent credit inquires listed as followed : XXXX XXXX XXXX on XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX with the representative and was told my dispute had been opened. It has been more than 30 days and I still see those credit Inquires on my XXXX credit report. It has been very difficult getting this resolved and I just want to make sure these fraudulent inquires are removed from my credit report.
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX {$79000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT FLAGSHIP CREDIT ACCEPT {$16000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$390.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$79000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT FLAGSHIP CRD {$16000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$390.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$79000.00} POSTED ON XX/XX/XXXX XXXX REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT FLAGSHIP CREDIT ACCE {$9300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
|
| 12/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Have an auto loan that I acquired in XX/XX/2013, Ive been late a lot of time due to financial hardship but never stopped paying. Now my loan has mature I am done with all my payments and the are charging me almost 2 thousand dollars more. When I called they told me it was late fees and months that I had requested extensions and that I needed to pay all XXXX XXXX dollars at once or they where coming to get my car. called again trying to get a plan to pay everything without them taking my car but I was told now that everything I owe is interest and late fees ( they say today that they are not coming to pick up my car ). The issue is that they are not consistent on why I owe that much money every time I call they give me a different story and on top of that they are constantly harassing me calling me all day long even when I speak to them they keep calling back, they call my job, they call early in the morning late at night from different numbers even from out of the country numbers. They dont check their records before calling even after I pay they call me saying I need to make a payment And a lot of time they are not very nice when they call.
|
| 07/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I had a XXXX XXXX account and around XXXX I applied for an auto refinance loan. Then also in XXXX my phone started messing up and I had to get a new one. Then I was locked out of my email account and I haven't been able to get back into that email since. I have been locked out of most of my accounts since I just now got a new phone and new number and even a new bank account. I reported it to the FTC because I just received all these letters this past week. The address they were being sent to isn't my mailing address. My credit went from almost XXXX to XXXX. My wife and I are going through a divorce but she does know my personal information by heart including my social security number which she gave to a police officer in XXXX XXXX when she was in a wreck in XXXX of last year. She told the officer she was me. I reported it to both XXXX XXXX and my insurance company that I was not driving the car when that happened.
The companys and information.. Flagship Credit Acceptance on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. XXXX XXXX XXXX services on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX on XXXX. XXXX XXXX on XX/XX/XXXX.
|
| 09/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
Older American, Servicemember |
|
This complaint is regarding Flagship Credit Acceptance. In XX/XX/XXXX we had our XXXX year old daughter XXXX XXXX from a XXXX XXXX, in XX/XX/XXXX we had our oldest daughter XXXX years old go to sleep and and not wake up, died from XXXX XXXX XXXX. This year in XXXX we had our XXXX year old grandson XXXX XXXX on the basketball court from a XXXX. We have buried XXXX children in the last 14 years. We asked that Flagship put a payment to the back of our loan so that we could bury our daughter who had no insurance. Flagship said they would and did not when we found out until the next month that they didn't do what they said they were going to do. It took Flagship 2months to do the paperwork, when it finally made the payment now they showed me 30 late. Due to the other deaths in our family we have asked them to do the same thing and again got the same results. We are caught up, but not 30 days late around 25 days late. Every week for the last two months I have been getting several phone calls per week, but yesterday XX/XX/XXXX I received 7 phone calls from flagship including a call at XXXX XXXX. This to me is harassment and I want it to STOP.
|
| 03/29/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have dealt with flagship credit acceptance for a car loan that I opened back in XXXX. The company had harassed me on many occasions over the phone. They would call my cell phone repeatedly throughout the day, as well as my workplace during hours that were highly inconvenient to me. Flagship has also shown up to my place of residence to serve me a letter after informing them not to call me outside of the time frames I had advised, which I have a witness the leasing office. They have contacted me numerous times, and had even questioned my ability to pay during hardship and advised me that I need to have family members help me, or else. I have gained much knowledge of consumer protection and rights and Flagship Credit Acceptance has failed me in many areas. The injuries were far too mortifying. I had tried to arrange payments for past due balances and even requested extensions and were given new numbers and information each time- no one in the company was ever on the same page. The company had failed me and has also repossessed my vehicle as of XX/XX/XXXX.
*Photos attached- all unknown callers are from Flagship credit acceptance XXXX
|
| 06/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
Servicemember |
|
the consumer, has documentary evidence that FLAGSHIP CREDIT ACCEPTANCE LLC has willfully and purposely violated my federally protected consumer rights and pursuant to 15 U.S.C. 1640 and 15 U.S.C. 1611, FLAGSHIP CREDIT ACCEPTANCE is both criminally and civilly liable to pay the consumer damages.
Fact, FLAGSHIP CREDIT ACCEPTANCE LLC failed to inform the consumer that the insurance premium was to be included in the financing charge and would not let the consumer leave the car lot with the consumer goods without purchasing a separate insurance. ( twice the financing charges in damages for each ) Fact, FLAGSHIP CREDIT ACCEPTANCE LLC failed to inform the consumer that the financing charges are to be the sum of all charges leading the consumer to believe that thy are obligated to pay an alleged debt. Furnishing Deceptive Form 15 U.S.C. 1692j recieved letters stating the Consumer owes a debt. Two violations of 15 U.S.C. 1692b ( 2 ) T
wo violations of 15 U.S.C. 1692b ( 5 ). Using language or symbol in the contents of communication Two violations of 15 U.S.C. 1692f ( 8 ). Using any language or symbol other than debt collectors address
|
| 12/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I have been paying this car loan off for the pass two years and my loan balance is still pretty much what it was when I purchased this vehicle. No matter how early I pay this loan amount is not changing. Right now it states XXXX balance for a XXXX XXXXXXXX this is identical to the same price it was over a year ago and I pay XXXX a month. This can not be legal. The name of the company is flagship and this is predatory. I can not even sell this car to a company that buys financed cars because they stated this vehicle is not worth anything close to this when I purchased this vehicle it was for XXXX dollars. This car loan is not going down and I need to get out of this deal I have gave them all together well over XXXX grand and have not put a dent in this car loan. There is no way this company is using a legal practice for this car loan. Then when I asked the pay off amount if it was paid early its the same exact price thats left meaning the interest that would be for the future is automatically charged. I feel as if I was scammed into this contract when I was in need. I have a XXXX credit score please help me this is not ok.
|
| 12/06/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Firstly, I am writing this complaint on my own behalf. There is no 3rd party involved. I am a victim of identity theft. XXXX XXXX XXXX XXXX is attempting to collect a debt on behalf of FLAGSHIP CREDIT ACCEPT. Both of these companies are reporting the same alleged debt on my credit report in violation of my consumer rights. I have asked for validation of debt from both companies. Only XXXX XXXX XXXX XXXX responded. They sent me signed contracts and other information. The person on the driver 's license that initiated the credit is not me. I have sent multiple letters with the police report describing the robbery I was involved in where my wallet was stolen which contained my social security card, driver 's license, along with other sensitive personal information. I have also sent them a copy of my current driver 's license multiple times in dispute of this alleged debt. This one debt is still being reported to my credit report multiple times. It has been very damaging to my reputation and my ability to secure credit. Also this alleged debt is over 7 years old and shouldn't even be reporting to my credit report.
|
| 01/27/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
In the reply from Flagship ; Flagship attached documents that I have never seen it looks made up because I never signed a agreement with Flagship to add to that Flagship sent me a Adverse Credit reaction Flagship does not lend to person without a valid license, my license were suspended indefinitely until XX/XX/2023 it is Flagship policy not to lend to person without license XXXX XXXX XXXX per there policy for lending requirements. I am not exactly sure how I would enter into an agreement with Flagship because they would not finance me. My dealing was strictly with the dealer only I suggest Flagship to recover any funds from the dealer if indeed funds were paid out on my behalf. I had the car nearly a year Flagship started reporting to my credit in XXXX and was deleted from my credit in XXXX. I have talked to an attorney whom advise me this was a civil matter because Flagship state they perfected the lien its my understanding a lien can not be perfected if the lien holder was never on the lien. I would like Flagship to provide real proof that XXXX XXXX XXXX enter into an agreement with Flagship as stated.
|
| 02/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX automated responses. No real investigation was conducted after my initial dispute.
The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
|
| 06/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
My name is XXXX XXXX and on XX/XX/19 at XXXX pacific standard time I had a field agent as he described from Flagship Credit Acceptance come to my door to speak to me about my vehicle. I currently was not home as I was tending to a family emergency. The individual was able to contact me through my intercom as it is linked to my cell phone. We exchanged phone numbers and he then called me at XXXX which is again well before XXXX the legal time to call or visit me at my place of residence.
The field agents name was XXXX, very kind but he did break the FDCPA when he came to my place of residence at XXXX. He dialed from what i assume is his Cell Phone.
I have been trying to refinance my car because the interest rate is to high and I have tried to lower my payments and have been denied. Flagship Credit Acceptance has violated the FDCPA when the agent came to my door this early and had me panicked. Something needs to be resolved as I know there are stiff penalties for this type of violation. Please look into this matter, if it is happening to me, its happening to others.
Thank you XXXX XXXX XXXX
|
| 02/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
To whom this may concern, XX/XX/2015 I cosigned for a car loan for my mother. She had the car for over a year and could not keep up with the car payments and therefore returned the car back to the dealership. This car loan is continually showing up on my credit report as ( closed ) but It is also showing up every month as if we are missing payments and it appears as if the loan amount continues to go up. My problem is that this should no longer show up on my credit report and needs to be removed as the car has been voluntarily returned to the dealership and we owe nothing as of this day. This is continuing to hurt my credit scores payment history and derogatory marks section and I need this to be removed as this situation has already been taken care of.
Also, the issue I am having with XXXX XXXX XXXX is the same issue. I voluntarily gave the car back and they continue to call me a ding my credit for a car I returned. Not only did the dealership receive my car but I signed a voluntary repossession form and gave it back to them. This should no longer report on my credit score as delinquent
|
| 04/16/2018 |
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 |
|
|
On XX/XX/XXXX AND THE XX/XX/XXXX XXXX XXXX XXXX, and, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX pulled a hard copy of my credit report without my consent. I have been a victim of Identity Theft, and someone has been opening, different accounts, and applying for loans in my name using my information. I have filed a police report, and a Identity theft report. Over seven accounts been opened in my name, and mt credit has been ran 16 times these three companys pulled a hard copy off my XXXX and XXXX credit report on the dates above, I have not applied for loans, in yyears. I found this out when I pulled my credit report in XX/XX/XXXX. I contacted the three credit companys to place a block on my credit for 90 days while all this is suppose to be fixed. I reached out to each of the three companys above and, they said they would remove them. They also told me that this was done online, that someone was trying to apply for a loan online at a local car dealership here in XXXX XXXX, Nv at XXXX XXXX which is located at XXXX XXXX XXXX XXXX XXXX XXXX, NV I called and spoke to the manager no help there.
|
| 09/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Date XXXX XXXX Interest rate 20.23 % Fiance charges {$18000.00} Amount financed {$25000.00} Total of payments {$43000.00} Down payment {$1000.00} ( illegal when theres a loan transaction ) company participate in Truth in Lending. State law code 15 USC 1662b Total price charged {$44000.00} Total payments 72 months @ {$600.00} Document/service fee {$420.00} Automotive XXXX XXXX hazard fee {$890.00} ( when I told the dealer I did not want this fee I was told it was mandatory ).
XXXX Sec plus maintance fee ( don't know what this is ) {$590.00} Other charges and amounts paid to others on my behalf ( oh my god ) {$1900.00} XXXX financed {$25000.00} Financed charges {$18000.00} Total charges {$43000.00} I expressed my concerns about most of the bogus fees to the dealer, was told it was mandatory.
I want this dealership to know that this type of business isn't good for their business to operate this way. I would like any and all funds refunded to me that was/is part of this illegal practice. I look forward to your response CFPB.
I purchased this vehicle from XXXX XXXX in XXXX Mississippi.
|
| 06/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am writing in regards to an account that is erroneously being reported on my credit reports. This vehicle was repossessed by Flagship Credit Acceptance in the state of Florida on or about XX/XX/2016. Under the laws of the State of Florida UCC 9.506 and State XXXX and XXXX XXXX, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all allowable redemption and cure time limits were adhered to.
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof can be provided within 14 days of receipt of this complaint, the alleged claim of deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.
|
| 02/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
As of XX/XX/XXXX I was approve for a settlement of {$24000.00} for over rated priced vehicle XXXX XXXX XXXX brought from XXXX XXXX in XXXX NC for above {$27000.00} + at minimum of 24 % XXXX making payments of $ XXXXmonthly to flagship credit acceptance. They are in process now to repo as I had some financial hardship temporarily but currently I received a new job offer and additional job offers as well so financially I'm paying off all debts one by one.
XXXX XXXX has been sued for fraud related events to other customers and I have also worked with individuals to lease out the vehicle and also notify them of financing it.
My request is to have flagship credit acceptance to remove this loan from all my bureaus and when I received the settlement letter via email was after requesting three different settlement rejects one for {$15000.00} ( which XXXX dealership in XXXX NC appraise the vehicle but flagship did not work with me ) and again I requested settlement for {$20000.00} flagship again rejected. Please assist me in getting this auto loan lender remove from my bureau.
|
| 09/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
XXXX and XXXX contacted me concerning a loan I had in XX/XX/XXXX with Flagship credit acceptance stating I owe XXXX but the will settle for XXXX. I contacted Flagship and was advised they closed the account in XX/XX/XXXX. XXXX and XXXX threaten to sue me and put a bank levy on my account. It was suspicious because no details about the company is verifiable, I only receive the first name XXXX, no last name stating he was an attorney then he later said he was a paralegal. Several calls were received but wasnt stating this is an attempt to collect a debt clause, He just rushed and frighten me by Requesting payments via XXXX XXXX or XXXX. The phone numbers given are XXXX and XXXX. And they did not have correct information and asked for my last four digits of my social security number. I believe this is a fraud or scam. When I submitted the address given, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX in XXXX it provided a residence for XXXX XXXX. not a business. Nor was I able to search the company online. They didnt seem to have details that they should have known to begin with.
|
| 01/20/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XXXX XXXX XXXX XXXX, the company that is financing the loan for my used car, makes an excessive amount of collection calls to my home and mobile phones. XXXX typically calls my phones six to eight times a day. The calls come from different numbers that display different company names on my caller ID. When I call the numbers the IVR system identifies the call source as XXXX XXXX XXXX. Some of the calls I have received were robocalls. I have received XXXX calls from XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) and XXXX. XXXX has occasionally contacted me on Sundays, as was the case when an agent contacted me from a XXXX XXXX XXXX phone number on XX/XX/XXXX. I submitted a complaint regarding the excessive phone calls to XXXX 's website ( XXXX ). In the complaint I advised XXXX that I would mail a correspondence instructing them to cease collection calls within two weeks of receiving the correspondence. I wrote the correspondence on XX/XX/XXXX and placed it in a mailbox the following day. As of this writing ( XX/XX/XXXX ) XXXX continues calling my home and mobile phones.
|
| 08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
XXXX has failed to verify debt and the investigative process XXXX XXXX XXXX XXXX The Bankruptcy Court has no jurisdiction over credit consumer reporting agencies and the court does not notify reporting agencies when a bankruptcy case is filed, nor can the court request that a specific record be changed. Information on your credit report has generally been reported by your creditors and is gathered from public sources by the reporting agencies.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Flagship credit acceptance has refused to verify my account.
XXXX XXXX XXXX XXXX has two entries they must be removed they are not my accounts XXXX XXXX XXXX must be removed two entries they are not my account
|
| 06/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
The new customer portal they have released ONLY allows for you to pay your bill. This isn't drastically different from the lack of information provided in the previous portal. There is not an option to see a message center for documents that Flagship Credit Acceptance has sent, statements from previous bills that show exactly where your money is going, nor does Flagship allow you to view the total amount made to principal vs interest anywhere on the website or statement. Statements also lacked basic information like APR. I also tried using the chatbot which is strictly a rebot with no real support. The chatbot asks for an 11 digit account number but the acount numbers are 17 digits and doesn't recognize the account number I provide. The links in emails that contain statements redirect to a 404 page not found webpage. As a business, I thought they would at least test customer resource options prior to releasing a new customer portal. I'd simply like to see a full detailed payment history since the start of my loan but I have no luck with obtaining this information.
|
| 05/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I have told flagship credit acceptance on multiple occasions to not contact me after XXXX XXXX. If I go one day past the due date even though Ive been given a 10 day grace period. I get 7 to 10 calls a day every day until I pay in full. I had some hardships that have set me back and one lady in particular named XXXX I was trying to explain how I was jobless and was just in a car accident and was trying to get back right and she continued to bully me. Nonstop ask your friends for money ask coworkers ask family. Ask the other person on your loan. I had to hang up. They are now harassing me and have been. I can take pictures of my call logs and the amount of times they call me is absolutely ridiculous and outstanding. I want something to be done. I have warned and now I want to sue them for harassment. Honestly dont think the world would like to know how they do business with veterans as well as children of fallen soldiers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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Flagship Credit Acceptance ; XXXX XXXX XXXX XXXX, TX XXXX I called and asked why Flagship listed under comments " Affected by Natural Disaster. '' I explained we were not affected by natural disasters. The agent then told me that we must have been because we filed for extensions. I said we were not, and that is not accurate. She explained we must have been hit by a hurricane or tornado, which is why the comment was listed. I said we lived in XXXX, there were no such events. Then she changed the reason to Covid. I said do you have proof of that? I was under the impression that Covid-related issues couldn't be held against you from XXXX, which is irrelevant because Covid is not a natural disaster. She said it must be Covid, and they did not have a code for Covid, so it was listed as a natural disaster, but she couldn't view the notes. I asked her to remove the comment she said no. The bottom line we were not affected by a natural disaster, and Flagship can not account for an actual reason for this comment but will not remove it. A conversation was had on XX/XX/2022
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| 12/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have filed several disputes in regards of my credit concerns.. It seems as though no one is complying.. I have done some much work with the Credit Bureaus, Collectors and Creditors that have inaccurate, misleading information on my credit.. I Have proof of all letters I've sent out to all parties involved.. I have been communicating with my Legal Advisor in regards of my due diligence and my character is now being a issue.. They have illegally furnished data on my credit report such Bankruptcy.. 15 U.S. Code 1681c and 15 U.S. Code 1692e for which I explained that this is a violation of my Consumer Rights and by law this matters should be removed off my credit report immediately without Prejudice ... I trying to buy home for my family and I and the is becoming of a burden to me and my family... This is a defamation of my character now I'm looking to pursue legal remedies towards all parties in violation.. I have not other option to ask for your help in getting this issue resolve..
I have proof of my concerns are illegal practices..
Please can you help me...
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| 10/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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XX/XX/XXXX FLAGSHIP CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and FLAGSHIP CREDIT ACCEPTANCE ran an unauthorized credit inquiry on me on XX/XX/XXXX.
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact FLAGSHIP CREDIT ACCEPTANCE and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
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| 09/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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On XX/XX/2023, I noticed a charge off and many collection entries from XXXX. XXXX XXXX XXXX, XXXX, Account XXXX. # XXXX XXXX. XXXX XXXX, XXXX, Account XXXX. # XXXX and XXXX. XXXX XXXX XXXX, XXXX, Account XXXX. # XXXX respectively trespassing on my XXXX XXXX XXXX, and XXXX consumer credit reports. I've requested that the consumer reporting agencies produce the original contract and after a month they still haven't responded to my notices. They are erroneously reporting a contractual debt and that a civil dispute exists us which is false, there is none to my knowledge. In accordance with the Fair Credit Reporting Act these reporting agencies have violated my rights as a natural person, and living human being numerous times.
15 U.S.C. 1681, Section 602 A. states that I have the right to privacy.
15 U.S.C. 1681, Section 604 A, Section 2, states that a consumer reporting agency can not furnish a account without my written instructions. I demand in these instructions that the three accounts listed above ( 1-3 ), be removed according to 15
U.S.C. 1681.
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| 06/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
Servicemember |
|
I refinanced my auto loan from Flagship Credit Acceptance to XXXX XXXX XXXX XXXX. The check was sent from XXXX XXXX on XX/XX/19 and according to the USPS tracking number was received by Flagship Credit Acceptance at XXXX on XX/XX/19. Upon checking my Flagship account on XX/XX/19 I noticed that the payoff check had not been applied. I called XXXX XXXX to verify the address the check was shipped to was correct and it was. I then called Flagship and got a rather nonchalant customer service agent who said there was no record of receiving the payoff check from XXXX XXXX. I then called XXXX XXXX and had one of their agents contact Flagship while I was on the line and suddenly they verified that the check had been received and the payment would be applied within the next few days ... however the check from XXXX XXXX was dated until XX/XX/2019. Today is XX/XX/19. This is a concern along with the fact I paid for GAP insurance which should be refunded upon car payoff but I'm not confident that Flagship will do the right thing and promptly send my refund.
|
| 10/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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XX/XX/XXXX FLAGSHIP CREDIT ACCEPTANCE po box XXXX XXXX, TX XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and FLAGSHIP CREDIT ACCEPTANCE ran an unauthorized credit inquiry on me on XX/XX/XXXX.
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act XXXX as well as a violation of my rights to privacy. Please contact FLAGSHIP CREDIT ACCEPTANCE and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
|
| 12/18/2017 |
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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On XX/XX/2017, I received a message on XXXX XXXX from an acquaintance that I really do n't know. She explained that a XXXX XXXX contacted her on XXXX and noticed that we were friends. My friend and XXXX XXXX used to work together. XXXX is an agent at XXXX XXXX XXXX. She sent my friend a message stating : " Hey girl, sorry to bother you but you are friends with one of my potential charge off at XXXX XXXX XXXX XXXX XXXX XXXX ... can you get her a message to call me XXXX tell her i will help her ... if you do n't mind..Thanks girl '' She has also attempted to friend me on XXXX under an assumed name, XXXX XXXX, with explicit pictures. The background photo matches the photo on her real XXXX page which is how I know now that it is her. ( I did n't know a " XXXX XXXX '' so I did n't accept the friend request. ) She is stalking me and I have no idea how many other friends she has contacted sharing my personal information. I feel very threatened! I manage a XXXX XXXXr and any agent who compromised XXXX compliance would be terminated immediately!
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| 01/26/2024 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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This complaint is concerning my auto loan with Flagship Credit Acceptance. I have had my current auto loan with them since XX/XX/2022. However, I need The Consumer Financial Protection Bureau to PLEASE HELP AND INVESTIGATE their predatory lending. At the time of getting the loan, Flagship failed to clearly and accurately disclose the terms and conditions pertaining to when a payment is late. Specifically, late fees are {$20.00} per day ; which adds up quickly to being unaffordable. Upon doing further research, I've discovered that every auto loan financed with Flagship have disproportionally high fees that accrue per day. Unfortunately, as a consumer, myself and many other Flagship customers have been tricked into believing that our loans are affordable. As a consumer, this lender deceptively convinced me to agree to unfair and abusive loan terms; making it difficult for me to be late with the {$20.00} per day late fee. I've made numerous calls to Flagship concerning the late fees, but each time, they purposely change the subject.
|
| 06/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
The XXXX XXXX, calls me at least 3 times a day to tell me my payments are behind, the last time I spoke with them I told them I don't have lots of time during the day to discuss this and I would like to be granted access to view my account history or payment history or either emailed or mailed the payment history to compare what they have to my bill pay history. I always use bill pay through my bank to make payments, they refused to provide me with access or written proof of my payment history and rudely told me I needed to start making my payments via XXXX XXXX or XXXX XXXX or they would always report my payment as late regardless of when it is received, the representative told me for their company the received is when they begin processing the payment not what is on the check from your bank sent via bill pay. They have since that conversation began reporting to the credit bureau 's late payments of. 30 and 60 days, those reports have drastically effected my credit score. They refused to reply to any of my emails or letters.
|
| 02/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I believe I am a victim of predatory lending practices.When I financed the car total amount of the loan at the beginning of the term was approx. 23K with starting pmt of {$520.00} beginning XX/XX/XXXX. I have had 2 times of being over 30 days late, paid the late fees and caught up. As of XX/XX/XXXX The loan amount is XXXX The APR is XXXX and I have asked multiple times on several occasions to reduce the loan APR or to have it refinanced and XXXX representatives stated that they do not offer any reduction services.I receive anywhere from 4-6 calls a day 4-5x a week from XXXX XXXX XXXX. After I make arrangements to pay they still call me and ask me to verify my employer and I have verified my employer 2 times in the last month and they continue to ask. I am 26 days past due and pay anywhere from 100-400 every week and I am not catching up due to late fees and interest. I do not want to let the car go, I want to make good on the loan but being upside down to the amount of more than the car is worth is just mind boggling to me.
|
| 11/29/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Civil case hearing on XXXX XXXX, XXXX in XXXX XXXX court resulted in the case dismissal.
The case was dismissed in Civil Court by the judge due to fraud. There is no responsibility/liability for the auto loan in the amount of {$25000.00}.
Also, an answer & affirmative letter written by myself was submitted to the court and sent on XXXX XXXX, XXXX to the attorney which represented XXXX XXXX XXXX demanding that the loan is removed from the XXXX credit report. The letter included detail information which was presented to the court at the time of the hearing.
This fraudulent auto loan was also disputed 3 times directly with XXXX to no avail.
Prior to the civil hearing the same complaint was also submitted to the consumer protection bureua ( XXXX ) for investigation on XXXX XXXX, XXXX.
Reporting information that XXXX XXXX XXXX knows to be inaccurate violates the Fair Credit Reporting Act. Reporting invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State laws.
|
| 02/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
Flagship credit has called me between 4 and 11 time a day, uses harassing verbage and scare tactics. They have threatens to repossess my vehicle the day after a payment was made and today refused a partial payment because they placed me in 'recovery ' which, according to flagship, they will ask my neighbors about when I come and go, if they've seen the vehicle ( gated community that is zoned as private property so per OKC zoning it is illigal to solicit or trespass ), will show up at my work and ask my supervisor where I am and will wait at my kids school for my wife to show up and tow the vehicle. Their threats are bothersome and I have been written up at work for my phone going off repeatedly. I have a special needs child so I have to check my phone when it rings. Flagship has been informed of my disciplinary action because of their harassment and lack of decency. Yes, I am behind on my payments due to covid-19 and am doing everything possible to get caught up but that doesn't give them permission to treat me like this.
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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I am writing this letter to request you to remove the late payments from my credit reports as indicated in the reports. According to the Fair Credit Reporting Act, any inaccurate or incomplete information in credit reports must be corrected or removed.
I have reviewed my credit reports from your bureau and noticed that there are several late payments on my credit accounts that are inaccurate. I have attached copies of my credit reports highlighting the inaccuracies as well as the proof of the errors.
I have been making consistent payments on all my accounts, and there have been no late payments beyond the initial late payment reported. Therefore, I request that you remove the negative reports from my credit report to enable me to improve my credit score.
I respectfully request that you investigate and correct the errors promptly to avoid further damage to my credit score. You may contact me if there are any queries or if you require additional information.
Using FCRA Section 611 ( 5 ) ( A ) and FCRA 15 U.S.C 1681
|
| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The creditor charged off and closed the account in XX/XX/XXXX. The company continues to report an increase in the balance and that the account charged off each month. The company increased the balance reporting XXXX, XXXX, XX/XX/XXXX and XXXX, XXXX, XXXX. The company is accessing my credit report for no legitimate business purposes. The account has been disputed with the major credit bureaus, however, the inaccurate information remains on my report. I continue to get alerts that the balance on the account has increased, and that the account is past due. The status is reported as charged off/closed on the credit report. The company is acting in an unfair and illegal manner by continuing to access my credit report after the charge-off/closure of account. The customer service representative for the company stated the account was in an accelerated pay-off status in their view. I have reported to the three major credit bureaus about the abuse. The company has been permitted to access my personal information repeatedly.
|
| 09/27/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Flagship Credit Acceptance has now put themselves below the bar in expectations and how they handle matters.
Even though I have filed numerous complaints against them, the continue to violate FDCPA practices. In addition, even though my husband isn't on the loan paperwork or vehicle registration paperwork, they are demanding that he makes payment on the account.
In addition, they have failed to mail via USPS any Notice to Cure letters on the account, which is required in my state.
They have illegally put the my vehicle out for repossession, without following Missouri laws.
In addition as another scare tactic, they have stated on two occasions that they have filed for XXXX on the vehicle even though they haven't.
Flagship Credit Acceptance LLC has failed to follow proper protocol when handling this account.
In addition Flagship Credit Acceptance has called my husbands phone number for four other people with accounts from Flagship and left nasty messages, such as the messages they've left me on my account.
|
| 09/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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First all I will admit Ive struggled with paying on time. Now that I have a financial coach I am working towards paying on time. On XXXX i logged into my account with Flagship Credit Acceptance to see the exact amount of late fees I owed ( {$57.00} ) therefore owing a total amount of {$320.00}. I then called customer service at XXXX ( XXXX ) XXXX the rep I spoke with I told him I wished to pay my entire balance. I then gave him permission to use the bank info on file. On XXXX I logged back into my account only to find out my regular monthly payment posted and not the late fees payments. I reached back out to two different customer reps only to be told theyre holding the funds I paid to clear up late fee until i make my next payment on timewhich is on the XXXX of XXXX. I told them there is no way they can hold my money and I will be filing a complaint. This can of practice is very shading ; with that balance still on my account they are collecting some interest from it. Im sure this is being done to many others.
|
| 04/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
As I have reviewed my credit reports for my auto loan with Flagship credit acceptance and all three bureaus there are many inaccuracies on my credit report from my auto account. I had XXXX last year and lost my job, which caused me to have to seek the need to get payment deferral, so that my payments would not go into default. I received the payment extensions but they are not reflected on my credit report as paid for those months that were extended where no payment was needed for that said month and deferred to end of contract. In addition, there numerous calls from company that became very harassing and threatening. Also, According to Federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, this ACT is not being abided by reporting accurate data. From the dates of XXXX, XXXX, XXXX, and XXXX of XXXX all dates are reporting inaccurately.
Because these are in violations, the entire account needs to be deleted off of my reports immediately. Or I will be seeking monetary relief for the in accuracies.
|
| 03/26/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I had an auto loan with this XXXX XXXX XXXX in XXXX, and I returned the vehicle in XXXX they filed an XXXX with the IRS and it shows in my XXXX tax w2 transcripts. Since they have filed that XXXX I am no longer responsible for this debt. It shows that I owe {$17000.00}, but when I called them they stated I owed {$10000.00} and that they have already resold the car. So that means they have resold the car, filed it as a loss with the IRS, but are still pursuing me for debt. They've dinged my credit report every month since XXXX causing my credit to be damaged. When I called them to tell them what the IRS told me the first representative hung up, and I had to call back. The second representative told me that all he could do was file a complaint with the complaint department and it could take them a week to respond to me. I'm closing on a home in a few days and this is so unprofessional, illegal, and unfair. That is tax evasion! They have harassed me for year about this debt and have been reporting incorrectly!
|
| 10/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have had Flagship Credit Acceptance since XXXX, I have a lot of inaccuracies on the accounts due to late charges that they have placed onto the account they have had me to pay those amounts many time and my credit report never reflects what happened in the corporate office on their end, I got XXXX in XX/XX/XXXX, I was XXXX XXXX and I XXXX on the table XXXX time and I had to have my XXXX XXXX I was XXXX, I was in a XXXXXXXX XXXXXXXX XXXX but my car note was still being paid, they told my daughter they were only moving those couple payments to the back of my loan so the late fees wouldnt be deducted from the payment and they put be in another loan for 5 years so I am stuck with a vehicle I cant even trade in even back into them or refinance they have violated all the law of my consumer rights. This creditor has placed inaccuracies on my credit reports on all bureaus, and that is a violation of my frca consumer rights 15 U.S.C CODE S 1681 AND 15 U.S.C S1681s-2 and 15 U.S.C S 1681a.I needs to be removed
|
| 10/30/2019 |
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 |
|
|
XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. Flagship Credit AcceptanceXXXX. XXXX XXXX XXXX XXXX, PA XXXXI did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
|
| 05/30/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
So today on XX/XX/2019 I received three phone calls from XXXX. The first call came in at XXXX however, I did not answer it because I was nor familiar with the number. Then I receicved a call around XXXX so I thought to myself let me answer this because when I received the first call I never received a message. I answered the call and I could barely hear what the lady was saying, then she asked me to verify my address and etc and I told her no. This was because she called me and I was unclear where she was calling from. She then said I told you who I am..I 'm so and so with Flagship. So I told her again that she called me and that I was not giving her my information and that I would call them back directly to verify who I was so started saying so you'r not going to verify your information..Needless to say I hung up in her and headed back into work. Then I received another call from the same number at XXXX. I did not answer this call but I was thinking I already told the lady I woud call back.
|
| 10/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Re : Social Security Number xxx-xx-XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. Flagship Cre XXXX, TX XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights.
Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
|
| 02/08/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
XXXX XXXX XXXX XXXX repossessed my vehicle in XX/XX/2017. I have made several phone calls to the company and ask them to send me a letter stating when the sold the vehicle and how much they sold it for and the balance of what is left on the vehicle. As of this date I have not received any information on the vehicle. I noticed they have it in my credit report owing car finance and flagship credit showing a balance of {$16000.00} and just increased the balance by {$400.00} more dollars. From the time they repossessed thy vehicle they never sent me no information on it. They never offered me a chance to get the vehicle back after they repossessed the auto or even made me aware of that it would be auction off. An even after they sold the vehicle they never in sent me nothing on how it was sold for or what is the balance after it was sold. I have called them to try and clear this matter up but they still wont send information out. I would like to clear this matter up with the company..
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Two issues : 1. Flagship credit acceptance corporation is reporting in accurate information about my account number XXXX to both XXXX and XXXX. XXXX is correct. As you can see that on XXXX they updated on XX/XX/28, but on XXXX and XXXX they didn't report for XXXX. Since XX/XX/XXXX I have paid flagship a total of {$2300.00}.
2. Flagship credit acceptance says I have a past due of {$20.00}. I made a payment twice to get that addressed 3 times ( XX/XX/XXXX and XX/XX/XXXX ), but as you can see by my current statement and online they still say I have a {$20.00} past due. I called on XX/XX/XXXX and they said that they would remove the past due and it is still on my account, yet I have now tried three times to get it corrected and have paid them 3 times now, a {$100.00} payment on XX/XX/XXXX {$100.00}.
3. On XXXX and XXXX they show 2 late payments, but on XXXX they show 1.
This account is affecting my credit score and my ability to obtain financing for a house and a new vehicle.
|
| 12/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Step 1 : What is this complaint about?
Credit inquiry placed on XXXX Credit Report on XX/XX/XXXX and XX/XX/XXXX. I am requesting that the company remove the inquiry.
Step 2 : What type of problem are you having?
I did not apply for credit with FLAGSHIP CREDIT ACCEPTANCE. I am unable to resolve the issue with the company. The company is giving me a run-around.
Step 3 : What happened?
I received an email alert from XXXX that there was a recent change to my credit information on XX/XX/XXXX. I contacted FLAGSHIP CREDIT at XXXX, I informed the rep that I did not apply for credit. The rep stated it was to refinance a vehicle. I explained to the rep that I did not have a car loan to refinance and that I wanted this inquiry removed. He told me that I had to call another department.
Step 4 : What company is this complaint about?
FLAGSHIP CREDIT ACCEPTANC Step 5 : Who are the people involved?
FLAGSHIP CREDIT ACCEPTANC XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX
|
| 02/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
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I purchased a car in XXXX. Contract was extended XXXX and a payment was put at the end of the contract. i received a letter XX/XX/XXXX that contract time was up and balance on the car needed to be paid XX/XX/XXXX. I made double payments XX/XX/XXXX, XXXX and XX/XX/XXXX. My credit report shows effective XX/XX/XXXX 30 days late XX/XX/XXXX 60 days, XX/XX/XXXX, 90 days and XX/XX/XXXX 120 days late. I have completed payment of the car. We are in the middle of a pandemic. If I was making payments how were the payments late. These late charges pop up at the end of the contract. Also they have 8 missing payments. The car would have been repossessed. There were no missing payments. One of the late payments came when I ask them to do a payoff, it took weeks I called back and was told it was denied reason being because the agent did not add that I was willing to pay half of the balance, I was asked if I wanted to do it again I said no and made a payment at the at. All payments paid.
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| 10/30/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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1 ) Acting as a 3rd party collector not bonded and licensed to do so in the State of Tennessee. See Exhibit 1 2 ) Car Was a voluntary repo in Colorado XX/XX/XXXX and UCC Code 9-506,9-611,9-612, 9-613 all violated as they intentionally sent the letter notice to sell to an address that terminated in XX/XX/XXXX so we had no chance to rectify the situation. See Exhibit 2 Then they sent distribution letters back to the correct address. Exhibit 3 3 ) The letter was written by me notifying them of UCC code violations. Exhibit 4 4 ) Exhibit 5 Letter from the full of false dates of purchase and from wrong companies. 5 ) Exhibit 6 Standards and poor documentation stating that XXXX XXXX will function separately after the merger backing up the fact that XXXX is functioning as a 3rd party collector and unlicensed to collect in this state. 6 ) exhibit 7 shows a statement pay off letter dated on XX/XX/XXXX for XXXX showing total amount due. yet credit reports show in default over 13k
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| 01/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
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Web |
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I need someone to review this.
My issue is related to the options I chose in this complaint but ALSO an issue with their collection processes. I was working with an agent at Flagship Credit Acceptance before, he submitted a request for modification and have my payments deferred for 3 months. I ended up having to change my number due to legal purposes.
This agent took MY PERSONAL and PRIVATE information from Flagship Credit Acceptance and FOUND my on XXXX. My PERSONAL XXXX and attempted to ask me to contact him ; he also probed to find my new number so he can contact me in attempt to collect the past due balance.
Behavior like this is absolutely unacceptable for a member of personnel to contact by via social media, let alone my personal XXXX on HIS personal XXXX to attempt to collect a debt because my number was changed and I hadn't updated my information with any of my creditors yet. This is a breach of confidentiality and not an acceptable business practice.
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| 04/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I XXXX XXXX XXXX entered into a consumer credit transaction with Flagship Credit Acceptance on XX/XX/2021. A consumer credit transaction is an transaction in which a finance charge is involved.
Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill. On XX/XX/2021 Flagship Credit Acceptance sent me a bill which is a violation of 15 USC1692 ( b ). Also this company is criminally and civilly liable for repossessing this vehicle which is a violation of 15 USC 1692 ( f ).
Pursuant to 15 USC 1611, Flagship Credit Acceptance is criminally liable, they are also criminally liable for double the amount of finance charges.
Pursuant to 15 USC 1640 and they are liable for each FDCPA violation, pursuant to 15 USC 1692 ( k ).
I am demanding they remove this alleged debt from my consumer report, or remit payment to me violations & apologize.
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| 12/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Flagship Credit of Pennsylvania violates consumer finance laws by falsifying information to purposely create a default on the loan they also document one thing after having done another they have Representatives who tell the customer one thing only to have another customer turn around and tell something different they prolong the process for contact when the customer tries to remedy a problem that corporate Representatives such as XXXX XXXX and the CEO have no contact other Representatives that I tried to reach like XXXX XXXX and XXXX XXXX were not in a XXXX XXXX XXXX falsified the process documented false information retaliated... Customer has been trying for over two and a half months to reach a viable representative to give a clear answer concerning covid related issues which cause problems for payment the problem could have been taken care of right away but a flagship prolonged the process for months only to penalize me for the problems the delay caused..
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| 05/11/2023 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX, 2023 I sent out communication through the CFPB to dispute the inaccuracies on my credit report, The credit agencies claimed that the item was validated by the debt furnisher as accurate. I have found multiple inaccuracies. I have reached out on multiple occasions about the issues reporting inaccurate. According to FRCA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C.
1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
This never occurred during or after 30 plus day investigation by debt furnisher.
Now because of violations either provide {$1000.00} for every violation or deletion from credit report immediately.
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| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help.
I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
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| 11/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On the above morning,XXXX, I received credit alerts through my XXXX XXXX account, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX that the following companies received Auto loan requests with my personal information.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Flagship Credit Acceptance. My credit score dropped XXXX points on XXXX, XXXX points on XXXX and it was difficult to determine on XXXX because of a collections removal, it went up XXXX points. I did not Authorize the use of my information. Spoke with XXXX XXXX and XXXXXXXX XXXX who could not verify that my information was in their system by my SS number and to report to the credit bureaus.Spoke with XXXX who wouldn't file dispute over the phone. Said they needed writing because of hard inquiries and to contact the lenders. Spoke with XXXX who was surprised because of active fraud alert on my account and XXXX me to file a FTC report who transferred me to this site
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| 07/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/2019, I stopped by XXXX XXXX ( XXXX, XXXX, XXXX ) Dealership. I test drove a car and the sales rep was being very pushy about working numbers out even though I told him I was just looking around at several dealerships. Since they were about to close, he asked me to fill out the top of a form for his supervisor to show me some numbers without running my credit score and that he would call me back on Monday. 10 minutes after I left the dealership XXXX notified me XXXX XXXX 2 had added an inquiry to my report. On the morning of XXXX, XX/XX/2019, six more inquiries were added to my report from XXXX XXXX NEW ACCT XXXX., XXXX XXXX FLAGSHIP CREDIT ACE., and others. Later that day the sales rep called me to inform me I was approved for a loan of {$20000.00} and I confronted him about all the reports, and all he said was that in order to show me accurate financing numbers his supervisor had to run my report ( even though I had not authorized it ).
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| 06/17/2020 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I reached out to the CFPB to file a complaint in XXXX. The complaint was with regards to Flagship Credit Acceptance not providing fair, transparent services and with regards to their refusal to assist with a deferral of the monthly payment as they claim to do, during the COVID19 pandemic.
With the assistance of the CFPB, Flagship Credit Acceptance responded saying they will defer the payment XXXX monthly payment being ~ {$600.00} XXXX until XXXX.
Flagship credit acceptance have now been calling, sending messages and emails attempting to collect a ~ {$1800.00} payment, saying that my account is over 40 days delinquent. Not only does this not constitute any assistance during the pandemic to a small business owner who has reached out for assistance but it establishes fraudulent communication tactics and misinformation to create fear and panic with the lenders who are doing their best to make ends meet and meet their financial obligations.
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| 07/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Older American, Servicemember |
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I got a loan through Flagship credit acceptance for a car. My fault I was late the first payment. They were to send me a payment slip each month to make future payments. They never sent them on time and made my payment late a couple of times. We have since got that straight. They still claim I was late when it was their fault. I have not been late since. I disputed this on my XXXX credit report. They looked into it and took flagships ' blanket response that they certified all was correct and flagship was blameless. This seems very wrong and lazy on both parties part and I am the one whose credit suffers for it. Why is it so easy to wrong someone yet it is that person 's responsibility and time to seek remedy. This is the only smirch on my record and hurts my FICO to the point I can't buy a house or refinance that miserable 12.9 % loan from flagship. Everybody wants to lazily accept a canned response and throw me under the bus. Help!
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| 12/19/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Towards the end of XX/XX/XXXX, I bought a used vehicle and received financing through XXXX XXXX. Within the first couple of days ( XX/XX/XXXX ) the car broke down and had to be returned to the dealership for work. They stated that it had been repaired. Right away the car broke back down ( XX/XX/XXXX ) and it was was returned yet again for work. Again they stated it had been repaired. A couple of weeks had gone by and then on XX/XX/XXXX the vehicle again broke down. At this point we claimed the lemon law and demanded to have the dealer take the car back. The dealer took the car back, even offered a new one which we declined. They stated that they would handle everything in regards to this vehicle. Fast forward a few months and I was notified that the auto loan had been charged off on my credit. This is absolutely unacceptable as the vehicle was a lemon car that had to be repair multiple times within a 30 days window of the purchase.
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| 09/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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At the end of XXXX early XXXX I contacted my lender Flagship credit and advised that my husband was not working and that he was diagnosed with XXXX and that it was affecting our family. They agreed to take the rest of XXXX payment and place to the end of the loan. If i could set up payments to take care of XXXX payment. I agreed. I made one payment over the phone with the rep and he set up the second half of the XXXX payment for XX/XX/XXXX. I listened to a recording and agreed to the terms of the extension. Fast Forward.. The second half of the XXXX payment was taken out on XX/XX/XXXX.
On XX/XX/XXXX. They called me and say I owe XXXX and that my account in 29 days delinquent. I told them about the extension. The rep said the extension was denied and that I should have called back.. Really! I was approved over the phone. I asked to speak to a supervisor. He or she never came to the phone!! These people are liars! Please help me.
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| 02/27/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
Older American |
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XX/XX/XXXX I purchased a vehicle from a dealer. they financed the car through flagship credit, I mad my payments ok for awhile, even though it was a struggle.i told the dealer what I could afford, but payments were higher. in XX/XX/XXXX my husband had a XXXX, about 6 months later we were told that he had XXXX, through all of this I have been receiving harassing phone calls, even after I make arraignments to make a payment. recently I was XXXX short on a payment.
was told by the representative that it did n't count as a payment. told them when I coluld pay more, after that I kept receiving phone calls harassing me about the past due payments.i get numerous call every day. they wont even give me someone to talk to to discuss refinancing to make payment smaller. my husband is also XXXX, it is to much to deal with, but we do n't have money for another vehicle, I am so stressed all the time about the bills and possibly losing my car
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| 07/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
Servicemember |
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On XX/XX/XXXX XXXX XXXX XXXX of XXXX XXXX, Ok sent the payoff check for {$13000.00} by XXXX XXXX ( tracking number XXXX ). It was received by Flagship on XX/XX/XXXX at XXXXXXXX XXXX. XXXX XXXX said that the check cleared their bank in XX/XX/XXXX. I received a call on XX/XX/XXXX and was told I needed to make a payment and that they had not received the payoff check yet. I paid {$310.00} on the XXXX However, I called several times beginning the first week of XXXX when the payoff was not showing on my account. I was told I needed to provide the tracking number ( which I did ) and was told I needed to provide proof that the check was cashed. This was sent to them directly by XXXX XXXX.
As of today, they payoff has not been applied to my account.
I would like the account to reflect that I have paid off the car and the interest backdated to the XXXX when they received the check. I would like any overage amount returned to me.
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| 11/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
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Flagship credit, I am a cosigner on a XXXX loan with this company. I have been getting serval calls about this car loan being late and then being sold into a collection agency. When I reach out to the organization, the payment is caught up and they are unsure of what I'm speaking about. The individuals from the third-party call agency can not give me a number or address or email to a division or individual that can help me. These items are affecting my credit score and my well being.
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. Also, in 15 USC 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instruction, Under 15 USCS 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
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| 04/09/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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I have a car loan with Flagship Credit, If I am one day late on my payment, I start receiving phone calls. I admit, I am behind but I have been diligently trying to get current ( ex - I made a 1 1/2 month payment 4 days ago ). However, since at least XX/XX/2020 - ( I have phone records from this date on ) I have received a MINIMUM of 1 call per day from this company. Some days I receive 2 or 3 on my personal phone. I also receive emails. They also call me at work ( even though I am not allowed to receive calls at work ), they call my family members and friends. The FDCPA clearly states " causing a phone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number '' is not allowed. I feel like I am harassed every single day. My family members are being harassed, not as frequently as I am, but they receive several calls as well.
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| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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Per the Fair Credit Reporting Act ( 15 USC 1681 ), I am a federally protected consumer. It is illegal to report any and all non public personal information ( 16 CFR 313.3 ( n ) ( 1 ) ), including any financial transactions with the consumer or any service performed for the consumer per 15 USC 6802 ( d ). A Charge Off is considered a certificate of indebtedness, therefore it is income ( more illegally reported financial transactional information ). There are currently 16 inaccurate transactional entries on each credit report with XXXX, XXXX, and XXXX. These highlighted entries must be updated to paid as agreed per 15 USC 1681c ( 4 ). It is my right per 16 CFR 433.2 to assert myself as the consumer at any time. Furthermore, I hereby rescind any authorization I may have given you through written, unwritten, verbal, and nonverbal per 16 CFR 313.7 ( e ) ( f ), to report any financial information to my consumer report.
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| 12/02/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I have written a complaint against this company XXXX times since an issue arose over who owned the car. I was forced to file a lawsuit for this matter, however, my complaint today relates to this showing on my credit report. According to XXXX of the XXXX leaders, they will remove this information from my credit report and close my account. Furthermore, it would not appear on the credit report as a charge off. In the letter that I will attach, it is also stated that the account would be deleted. Due to the issues we have had, I would like them to completely delete this account, as if it never existed. I believe that they are under the impression that I am asking them for the vehicle. As far as I am concerned, that is a legal issue that can only be addressed in court. I am asking that they keep their promise which is deleting this vehicle from my report I do not take ownership for any loans are liens With Flagship.
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| 02/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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I wrote Hardship letter to Flagship and it was accepted in Good faith presumably? They answer in good faith I guess? So I agreed to there terms then I was blessed with additional funds and I paid the complete balance and some. I enclosed a rider subject to them cashing the balance of check and did not receive a reply nor conformation. They cashed the check and took over 60 days to credit the account. Then they added extra fees and then after 90 days corrected them. I am request correction on the part of Flagship. They receive funds upon agreement but never correct the funds to the account. At first credit bureaus showed account in collection. Wrong amounts of balance and payments they refuse to correct. The account is paid in full but they show three collection on account and still show charge off? how can account be both? So I paid the to get a worst credit score then before. I request deletion of account asap.
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| 06/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I have Mailed XXXX XXXX and XXXX on several occasions about this Delinquent incorrect car loan on my report all three bureaus have verified the loan but when I requested the method of verification they never send me this. They literally ignore the letter. Additionally I mailed the furnisher of the information who is XXXX XXXX XXXX and the mail was return to sender not deliverable as addressed unable to forward. However I use the address that was on the XXXX XXXX and XXXX sites. With that said this is against the FCRA as that information has to all be 100 percent accurate and it is clearly not additionally they continue to verify the account but who are they verifying the account with especially when they wont tell me or show me proof. Additionally XXXX is showing this still with the original creditor XXXX XXXX in which it can not be with both entities thus this is incorrect and needs to be removed immediately.
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| 08/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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In accordance with the Fair Credit Reporting act. The List of accounts mentioned in this complaint has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
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 an 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.
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| 10/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to this complaint. I contacted FLAGSHIP CREDIT ACCEPT about an account that they are reporting to my credit report. They are reporting the account fraudulently and without my authorization and consent. They claim that I owe them balances on debt accounts but they have not provided VALIDATION that a contract exists between myself and FLAGSHIP CREDIT ACCEPT. If no contractual obligation exists between us then how could I legitimately owe them for any debt?
If FLAGSHIP CREDIT ACCEPT continues furnishing, reporting, and making attempts to collect debt that does not belong to me then I will have to include them in an arbitration claim for violation of the FCRA, FDCPA, and for aggravated identity theft. Please see FLAGSHIP CREDIT ACCEPT 's info in identity theft report attached
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| 10/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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|
Web |
Servicemember |
|
For over 1 year now, I have been unable to access my account to make payments or get information on my payments being applied. I am not able to speak with anyone and have sent email requests for help to resolve the problem but they never call me back. My balance has not gone down at all from the time I purchased the car in XXXX. My balance is still the same. I have been waiting for a call to make my payment and the call never happens. But the fees are always applied. I am being taken advantage of and my country is unwilling to help protect XXXX veterans like myself from corporate greed and fraudulent charges. You are allowing this to happen and I am the only one suffering any damages and going broke in the process. I did not purchase this car with the intention of never paying it off. An audit of my payments should be made on my account.
My account number with the company XXXX Please HELP MXXXX XXXX XXXX
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| 11/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
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I have a car loan through XXXX, which I believe was bought out by FlagShip Credit, but have never been told this by the company. I realize that I am behind on my loan but they have now reached out to an ex-boyfriend of mine 3 times now, once in XXXX ( followed all rules and regulations ), again on XXXX at XXXX in the morning and proceeded to tell him that I was 3 months behind on the car and that they would come repo it is he did n't have me pay it, and then again on XXXX - XXXX - called him again and said the same thing. I am the only one that is on my car loan. They have now given out personal information about my loan to someone who is n't on the loan and they continue to reach out to him. This is illegal and unethical practice. Again I know that my car is behind but they need to reach out to me not him and I do plan to move forward with holding them accountable for their actions and protecting myself.
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| 03/20/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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FLAGSHIP CREDIT ACCEPTANCE is in direct violation of my consumer rights according to the FDCPA and FCRA. FLAGSHIP is reporting a debt that I legally do not owe. They are illegally furnishing data to the consumer reporting agencies which is a direct violation of 15 USC 1681s-2. Debt can not be reported if it's in fact income. FLAGSHIP CREDIT ACCEPTANCE is reporting the debt as being charged off and this is now considered to be a tax deduction for them filed by the SECRETARY of their company, and this makes this income for me according to the IRS. A consumer report does not contain income because it's a violation of privacy. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. FLAGSHIP CREDIT ACCEPTANCE has not issued my a 1099-C according to the IRS.
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| 06/01/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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Two problems : I received the bill for to pay electronically which encourages for me to make my payment via the website. My payment is due XXXX and their system allowed me to set up my payment for XX/XX/XXXX and I am still getting calls everyday and when they call from an unknown 800 I have to assume it's them they are asking for the last 4 digits of my social security number and don't feel comfortable giving that out also I feel harassed that if I contacted the creditor on their website and made arrangements why do I continually still gets calls?
Also, I requested Flagship for an extension due to Covid for two months and they stated can only do 1 payment extension/deferment and at no time did they mentioned it would be reported to the credit bureau as a natural disaster.
They also misspelled my name on the account and that is the way my title would come if I finished paying my car with this company.
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| 02/19/2021 |
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
- Investigation took more than 30 days
|
|
Web |
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I have really struggled during covid I have made my payment noted some were not over 30 Days late but flag ship credit acceptance has put every kind of negative remark they could to diminish my credit Ive payed and as of XXXX my accoubt was changed to good standing I payed two payments in XXXX and two in XXXX which I have supporting documents on XX/XX/XXXX I have a delinquent status again but I bought a new car on the XXXX and traded that one in Ive sent all the in formation to both creditor and XXXX no one is replying to my emails they hang up the phone on me please do not let this company continue to behave this way. I didnt need a new car but they have been such a headache I wanted to get out from Under that loan so I had no dealings with them they do not care about the customer harass you daily during covid manager says they stop doing latte fees during covid but yet they still are taking them out
|
| 12/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
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Flagship credit acceptance car loan financing. I have an incorrect amount in my balance. It exceeds more than the contract agreement amount..The maturity date is XX/XX/2019 which include the extension period of 3 months, originally XX/XX/2019..it charges me XXXX more after my last payment this XXXX. plus {$470.00} for late fees and other charges. Total of {$1500.00}. I am willing to pay the extra charge of {$470.00} but not the XXXX. I have written them a letter many times and the last was XXXX this year I have email them many times and i called them but they can not provide the specific answer to clarfy their computation.
My total interest after 72 months is {$9800.00} in {$16000.00} principal with 59.26 % interest.
My APR is 16.5 or XXXX.. it was computed total balance multiply by .1375 monthly. Which cost my APR to XXXX on my 1st yesr, XXXX on my 2nd year and XXXX on my 3rd year. Not XXXX/yearly
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| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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When Checking credit report I have been made aware from companies that there is a charge off balance on my account that is closed. I have reached out many of times to this company asking for the original signed contract not a copy, Truth and lending statement, and Validation of this charge off amount. No one ever responded. No one can find my information via phone as well as no response to letters sent. I did not consent for the credit bureaus to report this information on my credit report casuing me to miss out on business opportunities from various banks, This is a violation. 15 usc 1681a2, I did not give authorization or permission for XXXX, XXXX or XXXX to furnish this account on my credit report. I am requesting it be removed and pay damages of XXXX each credit bureau for this violation made out to XXXX XXXX XXXX XXXX. We would rather resolve this issue immediately before taking further action.
|
| 02/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I have a XXXX XXXX XXXXXXXX and I have been paying on it for over 4 years now. Recently, I feel Flagship Credit Acceptance has not only called me daily to pay, they have also added late fees and have said those will not be waived and now are threatening me repossess my vehicle with little to no regard on the overall worldwide financial situation that everyone is through. I have another car loan and they are the complete opposite, as they have lowered my payment for 6 months, and have wave all late fees. Flagship customer service does not care if you have financial hardship, they do not waive fees and they do not care if right now many american 's are trying to do what ever they can to stay afloat due to the overall economy. I have paid, but as soon as I pay them, because I am behind they have continued to violate my right by harassing me daily with phone calls and threats to repossess my vehicle.
|
| 05/18/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I contacted Flagship Credit Acceptance to request a legal contract bearing my wet signature and a deficiency letter. Flagship could not produce the information I was requesting, because I had no legal contract with them. They have been reporting a negative balance to the credit bureaus since XX/XX/XXXX.
I recently mailed an affidavit indicating their violations of the statute of limitations for the state of Alabama. I have not received any correspondence back from them, other than a returned signature, to indicate they have receipt of my letter. I was made aware that a vehicle I surrendered was sold for {$5600.00} and they have been reporting a negative balance of {$7700.00} ; which is why I requested a deficiency letter that I never received after the sale of the vehicle in XXXX. I made many attempts in disputing this error, but nothing on the company 's end was ever resolved.
|
| 10/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I have an auto loan through Flagship Credit. I've only had the loan on the used car since XXXX. My payment is due on the XXXX of each month and I make my payments on time. The last 2 months I've had to make the payments on the XXXX of the following month which would make my payments 15 days at the most late. This company calls me every 2 hours daily! I've asked them to please note the account when I would make the payment on the account to stop the calls and the calls stop for two days maybe. I've been polite, I've asked for management and was told there's no manager. I understand there's an auto dialer system, but I also know if the account is noted properly I won't receive these calls. I received a call this morning and the person wasn't speaking English at all and didn't acknowledge me on the phone at all! Your assistance on this matter would be greatly appreciated.
Thank you XXXX XXXX
|
| 01/10/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am trying to refinance my car from Flagship Credit to someone else.
I submitted the application on XXXX
I got a call from the company I applied to on XXXX and they told me my account at Flagship is marked as closed on my credit report so they can't pay off my balance and can't complete the refinance.
I called Flagship on XXXX minutes after speaking with the other company and advised them of what I was told.
Flagship stated that they would look into it and email me an update within 3 days.
I never got any info back or email.
I called the other company XXXX to ask about the status of my application and they told me my account is still marked as closed.
I tried calling Flagship back on XXXX and was placed on hold for someone in the credit department and waited 20 minutes before I had to hang up.
I tried the same thing today, transferred to credit department and then disconnected.
|
| 09/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Flagship Acceptance Corporation is refusing to refund my canceled Gap insurance policy premiums. The loan was paid in full on XXXX. They received check # XXXX in the amount of {$640.00} that was cashed by Flagship on XXXX.
Flagship claims that they " don't know where the money went '' after they cashed the check, so they are refusing to cut me a check. XXXX XXXX, Client Service Representative at XXXX XXXX XXXX & I sent them a copy of the check on XX/XX/2020, yet they still " don't know where the money went '' and refuse to refund this money which belongs to me. Flagship Acceptance has stolen {$640.00} from me the same as if they had held me up at gunpoint. Isn't this also insurance fraud? The non-English speaking individuals who answer their phones are unwilling to help or find someone at Flagship who is willing to help. I need CFPB to intervene so that I can recover my stolen money.
|
| 04/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I have been dealing with Flagship Credit Acceptance since XXXX of XXXX trying to get them to lower my payment or let me make arrangements due to XXXX and being out sick from XX/XX/XXXX through XX/XX/XXXX. They not only didn't respond to any of my requests but they closed my account in XXXX of XXXX, wrote it off and have been sending threatening letters and tow truck driver by my XXXX year old mothers house in Delaware. Threatening to force foreclosure on my mothers house. Sending people by my place of employment sitting out front taking pictures of my XXXX XXXX. They now want XXXX for the loan balance and not the back pay of XXXX. I contacted a bankruptcy lawyer yesterday XX/XX/XXXX because the XXXX is not even worth XXXX it has over XXXX miles and is falling apart, but because they closed my account and now report XXXX on my credit I can not even get a auto loan to get anything new.
|
| 04/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
On XX/XX/XXXX my vehicle was gone and i called and they said it was repossessed. I never got any voicemail, no letters or signed anything. I left my XXXX pump in vehicle, wallet, work equipment. XXXX for my XXXX XXXX, air pods, Sun glasses, shoes. Putting my life at risk.
I demand Original Validation proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL They are required to provide me with copies and I attached letters below and emailed them and they were to only respond via U.S mail and they sent a eoscar response back in email. And mailed me what they are going to do with the car, which is in violation.
|
| 09/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.
|
| 06/23/2023 |
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 |
|
|
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
|
| 12/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I currently have an auto loan with XXXX XXXX. I was financially strained by COVID 19 and utilized the forbearance option with Flagship. Although I was in forbearance, they still reported my XXXX payment as late. This caused my score to drop 48 points. I have spent the last 2 months trying to have someone reverse the derogatory remark from XX/XX/2020 but it has been to no avail. They have done nothing but give me the run-around. Today I tried once more, reminding them of the Cares Act and how it is illegal to report delinquency when the loan was in forbearance. However, they continued to give me the run around, repeating the same message, to go back to the credit bureaus and request that they remove it. I have spent countless hours on hold with this company, being passed from agent to agent with zero success. A friend suggested I reach out to the CFPB to handle it once and for all.
|
| 08/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American, Servicemember |
|
I had my vehicle financed with XXXX XXXX XXXX. I called XXXX to see if there was a local office I could go to to payoff my loan. I was told since they are an internet company they do not have a local office I could use for this purpose. I sent funds to payoff the loan to them electronically. Per discussion with a phone representative the funds were received and were sufficient to payoff the balance of the loan. The funds were received by XXXX on XX/XX/18. I have a prospective buyer of the car so I called XXXX on XX/XX/18. I was informed the title to the vehicle will not be released until 10 - 30 days have passed. I asked if the reason for the delay was to verify funds used to payoff the car has cleared and was told no. It is just XXXX 's policy. I can not imagine a valid reason to wait a month before the title to the vehicle is released by a lender. This is an unfair practice.
|
| 06/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
On a few occasions I have asked the company to lower my interest rate and that the vehicle is only worth like about $ XXXX. I told them that I didnt think it was fair and they said there is nothing that they can do. They have moved my payments to the back of my loan before but that just makes it worse with additional fees and taxes. Its a never ending cycle. I will always be in debt to them for a truck thats over 7 years old we cant trade it in so we are trapped in this loan that was at a buy here pay here place and they didnt say all the issues we would have with this truck.. transmission, AC, radiator went bad twice and they had to replace it. What we wanted was to get out of it but they wont let us. I even had to put a big deposit down. The deposit was {$5000.00}. And on top of getting injured at work from XX/XX/XXXX XXXX XXXX 2022 it Really but us in a bind. Please help
|
| 12/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have noticed there are some late payments on my credit report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) from Flagship credit acceptance. This is a violation of my right per 15 U.S. Code 1666b which states in section 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. I never received any letter by mail before my due date and by law my payments cant be reported as late. With this information I have provided you, I ask that you delete all late payments from my credit report.
|
| 02/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I obtain a loan for XXXX. XXXX for a XXXX XXXX XXXX trough flagship credit acceptance first payment due date is XX/XX/XXXX made first payment on XX/XX/XXXX for XXXX loan went up instead of down went up to XXXX Flagship say they apply XXXX to interest and XXXX to principal, then I made a payment on XX/XX/XXXX due date XX/XX/XXXX flagship credit say XXXX went to interest and only XXXX dollars went to principal. They are calculation everything wrong my loan keeps going up instead of down. Money keeps getting apply to interest only not principal. The website doesn't allow you to make extra payments only minimal payments of XXXX. Now pay off balance shows XXXX as of today XX/XX/XXXX amount keeps going up not loan loan first payment is due XX/XX/XXXX and land matures last payment is XX/XX/XXXX it keeps going up how do they change terms and conditions after a contract is sign
|
| 02/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Servicemember |
|
I applied for a car loan at the dealer, was told I qualify Flagship Credit Acceptance. I have late fees for monthly missed payments with Flagship. Whenever I specifically ask to have late fees added to that payment I am making they say yes, after I pay, I am told the late fees are added to the principal payment. I have recorded at least XXXX conversations. Today, I am 35 days behind and am being told that my account has to be brought up to date in order to have access to my account online. I asked the male rep may I have copies of their rules and regulations, it was never mailed to me, despite having ask at least 3 times before. He replies, to get it online, my reply was how can I get it online when you told me I have no access, he starts telling at me to stop yelling, which I was n't. He hung up on me. I am told so many contrasting and different rules by workers.
|
| 10/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
They are inaccurate items that i found on my credit report that is damaging my credit score for late payments with the company FLASGSHIP CREDIT ACCEPTAN. That i payed on time. Never receive a email or mail about due date or late payment. the company reported late payment on. XX/XX/XXXX, XXXX XXXX. XXXX XXXX and XX/XX/XXXX. also on my credit report I have two months charge off on all three credit bureau in XXXX and different months. I still have the car and still paying my loan on time. With this charge off i should ( not ) be paying interest on this loan still, when it's a write off with the IRA meaning the company have been payed.
Please investigate immediately or I have to take legal action with my attorney.
By LAW 15 U.S. CODE 1666B : Timing of Payments 15 U.S. CODE Chapter 41 : Consumer Credit Protection 15 U.S. CODE 1605 : Determination of Finance Charge
|
| 12/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
I bought a vehicle with XXXX XXXX XXXX XXXX and given Predatory Interest and payments on a XXXX XXXX XXXX {$650.00} XXXX XXXX with Flag ship Credit Finance. I work in XXXX hours reduced one day week. I filed bankruptcy and the trustee dismissed my bankruptcy so that I could be harassed and preyed on my predators because I missed on Meeting of Credtors and not because my bankruptcy was abusive. But because I am a XXXX XXXX. I then began to get harass phone calls and threats from Flagship that the would XXXX XXXX XXXX XXXX XXXX using XXXX in the XXXX. They called me and I told them I needed a week or so to come up with {$7000.00} and I could pay them {$500.00} because I just got a job. They denied my request and started calling me continuously and never sent me a letter. The judge and Trustee dismissed so that I could be harrassed. They XXXX XXXX XXXX in GA
|
| 02/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I bought a car from XXXX XXXX XXXX, In XX/XX/2018 They directed me to a finance company called XXXX XXXX XXXX. I thought this was a typical finance company, which when you are late you pay a late fee..
Anyway my due date on my loan is the XXXX of each month. I have been late each month but no over 30 days late. I am basically a month behind. I am seasonal business and my cash flow varies. I do not have a problem with paying a late fee.
Now here is the part I did not understand when I signed the loan because I expected a simple car loan. In addition to the late fee XXXX charges a daily fee of {$12.00} up to the 30 days which added another {$370.00} to my monthly payment. Basically I have been paying interest only. I did not realize this until 8 months into my loan when I looked at the statement and did not understand why my balance was not being reduced.
|
| 04/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
I opened my mail and noticed that I was sent a Letter for debt which you claim I owe. I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a XXXX, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. Please delete this charge-off from my credit report. If you choose to do nothing, I will file complaints and seek legal advice on this matter.
|
| 09/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I recently received a copy of my XXXX credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XX/XX/XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into XXXX XXXX inquiry to determine who requested this credit inquiry.
|
| 03/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Flagship Credit Acceptance is currently reporting an account with inaccurate information on all three of my credit reports. The last payment on this account was made in XX/XX/XXXX. However multiple erroneous dates of last payment are listed on credit reports, including : Last payment date as reported to XXXX XXXX : XX/XX/XXXX Last payment date as reported to XXXX : XX/XX/XXXX Given the last payment ever made on this account was XX/XX/XXXX, I filed disputes with XXXX, XXXX XXXX and XXXX. To which Flagship Credit Acceptance verified this erroneous information as accurate.
My next step was to file a dispute directly with Flagship Credit Acceptance, which was done via certified letter in XX/XX/XXXX. Again, upon reviewing my latest credit reports, it appears Flagship Credit Acceptance has verified this erroneous information as being accurate yet again.
|
| 11/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Loan Acct : XXXX This company has failed to return my calls when inquiring about my sending my car contract. The customer rep told me they aren't allowed to do that, which is untrue. I've called XXXX and XX/XX/31 as well as several times in XXXX requesting my credit report be updated with all payments, which have been made 100 % on time.
I'm always told the supervisor is busy, or the office that handles this complaint is closed.
On my credit report, this company has been reporting inaccurate information as it shows my balance as $ XXXX, when really my total balance is {$34000.00}. This gross misuse of my credit report is not only predatory, but it is hindering my chances of refinancing out of this fraudulent ( in my opinion ) company in order to receive better rate, better customer service, and an overall better experience in a finance company.
|
| 10/20/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Complaint is against XXXX XXXX XXXX, in regards to loan balance is reported incorrectly on all XXXX credit bureaus. Ive requested numerous times starting in XXXX XXXX for XXXX XXXX XXXX to update the balance on my credit account with them. Ive contacted them via phone, from their website portal. I also submitted disputes with all three credit bureaus. As of today the balance is still incorrect. The mount owed is {$870.00}.
This is an issue for me when Im applying for credit. I cant afford to keep sending certified letters to the credit bureaus requesting for them to update the balance. When I send in email request they never respond.
Flagship Credit Acceptance was informed to update the balance from XXXX because I would be applying for a mortgage loan. Please assist with contacting the company and getting the balance updated on my account thanks.
|
| 12/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I enrolled for a semi monthly auto payment program. When signing up on the customer online portal, it required one to select the first payment date to be prior to the due date. The second payment, I was allowed to select ANY date. However, now after speaking to a supervisor, they will still be charging me a late fee because the second payment is after my due date. No where during the process did the website state that BOTH payments had to be before the due date. Only the first payment had to be prior to the due date. It was EXTREMELY misleading to the consumer because thats an extra {$78.00} they charge for late fee. Why even have that as an option if when you are signing up there are no instructions stating BOTH payments must be prior to ones due date. It doesnt make any sense. Then they tell me Im just incorrect and there is nothing they can do.
|
| 02/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX has been contacted on three different occasions due to fraudulent information on our credit report. XXXX financed a car for my husband and me. Last year (XX/XX/2018 ) in XXXX the car was in a hail storm and totaled. XXXX paid their portion on the car and we had gap insurance, which covered the rest. The company put a balance owed of over {$2000.00} dollars on the credit reports for my husband ( XXXX XXXX ) and me ( XXXX XXXX ). We contacted the company asking for written proof of the amount owed on XX/XX/2018,XX/XX/2018and finally on XX/XX/2018. They have not only failed to send the appropriate proof of their fraudulent actions, they have caused our credit scores to plummet tremendously, negating our chances to purchase a new home. We are outraged at their lack of customer concern on this matter. Please help us!
Sincerely Yours, XXXX XXXX
|
| 08/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
On XXXX of XXXX I purchased a XXXX XXXX XXXX XXXX and began financing with XXXX XXXX. I refinanced the loan shortly after with Car Finance who was then acquired by XXXX XXXX XXXX XXXX c/o Flagship Credit Acceptance .
Once I began to learn and discover the truth about consumer law I realized I was taken advantage of by XXXX XXXX XXXX XXXX XXXX XXXX
I attempted to rescind my car contract with Flagship Credit Acceptance which in turn they reported the loan as charged off. They then proceeded to repossess the vehicle after I made SEVERAL attempts to communicate with them and even requested a payoff amount letter so I can handle the balance. They refused to send me the payoff letter. Not only were my rights violated, Flagship Credit Acceptance wrongfully repossessed my vehicle. XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX have been XXXX to deal with.
|
| 06/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Since XX/XX/2023 I have received 12 calls from Flagship Credit. The voicemail message states that this call is for " XXXX XXXX '', and further instructs that if the phone number being called does not belong to this individual then one should call the company at XXXX. However, when I tried to call I was unable to reach a live individual despite trying several tactics ( e.g. pressing " 0 '', entering a bogus account number repeatedly, etc. ). I utilized the communication form on the company 's website, flagshipcredit.com/contact-us/, but did not receive a reply. I also emailed the company on XX/XX/2023 to explain the issue and ask for resolution. I also asked for confirmation that the company was removing my number from its database. Instead, I received the same voicemail message from the company on XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ).
|
| 07/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Older American, Servicemember |
|
Account Name : Flagship Credit Accept XXXX I was marked 30 days late on my credit report. I am XXXX XXXX Veteran currently living in a hotel in Virginia awaiting my purchase loan transaction to be approved. I was informed by my mortgage professional about this late payment and on XX/XX/2020 i called Flagship and explained my situaton and they told me that i was 66 days late and since i did not receive the paperwork package for relief under the CARES act that they would not help me and apparantly these lates are hindering me form getting this loan I brought the account current. I feel like im being taken advantage of. I thought the CARES act was set up for people like me who NEED help under this pandemic. All i am askins is to have the late or lates from 2020 removed from this account. Can you please help me and my family not become homeless
|
| 09/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Flagship filed a false response to an earlier complaint stating we could have a one month extension. Yesterday, XX/XX/XXXX, I received a call from XXXX at Flagship staying we could not have an extension. The Flagship employees do not talk to each other. Obviously, XXXX and XXXX DO NOT know what each other is doing with our account. My new job start date was delayed due to the background check. I started on XX/XX/XXXX and will not receive my first check until XXXX. The co-borrower starts their new job on XXXX and will not receive their first check until XX/XX/XXXX. Hopefully, Flagship will not continue to constantly call so we will not loses these jobs and put us further behind!!! They are harassing us!!! We know we owe them!!! Our other car loan company has been very gracious and understanding - Flagship should take a lesson from them!!!
|
| 07/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
XX/XX/XXXX, I paid the loan off. Flagship credit failed to send my payoff letter and update all credit bureaus accurately. I was able to speak to a representative in XX/XX/XXXX and they confirmed all fees were satisfied and i should receive my payoff letter in 10 business days. I still have not received that letter. I have made several attempts to contact Flagship, however, their automated system does not recognize former customers and very challenging to get a live person. I spoke to a supervisor on XX/XX/XXXX and expressed the urgency of the matter as I would also like to purchase a home. I requested that this document be emailed to me as soon as possible, but I still have no resolve to this matter. This negligence is causing a real delay in me moving forward with obtaining a better credit standing and moving forward with life goals.
|
| 07/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Flagship Credit Acceptance has cashed a vehicle warranty cancellation check which they should have sent to me months ago. I have been calling almost three months to get results along with my dealership who ran into walls trying got deal with them. I have encountered customer service reps who constantly hang up on me and give me no help. They advised me that it takes over a month to research a check. Which they claimed that they have mailed out before but they had the wrong address. If that would have beneath case the postman would have put it in the correct box since I have been in the same complex for 5 years. The managers are nonexistent I have spoke to several who have no clue of the process of researching a check. My loan is paid off so I do not understand why it is taking so long and they have confirmed that they have the check.
|
| 07/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Good Evening, My Name is XXXX XXXX, Today i received a hard inquiry on my credit report from " Flagship Cred '' as stated on my report i reached out to the institution phone number ( XXXX ) XXXX as stated on my report and i speak to a representative about my situation and she responds " this is not a credit or report credit business this is '' " XXXX '' company for bugs termites and what not, i had asked her why was i receiving any inquiry from their company on my credit report she then asked for my information gave it to her willingly asked about my home address and told me you don't come up at all in our system im not sure why are you even seeing that on your credit.. i need this to be removed i believe there's some sort of fraudulent going on with my credit report and i need this to stop and be disputed and taken out of my report
|
| 08/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
To whom it may concern, I XXXX XXXX XXXX show on my credit that your company is reporting false information on my credit. Flagship Credit Acceptance claims I open an account in XXXX FRAUD.
I want a deletion letter asap this originated in XXXX it has been 7 years I want it removed for violation of false information!
If I do not get a deletion letter I will report you to the XXXX XXXX XXXX, state attorney office, Federal Trade commission and consumer financial protection Bureau.
FLAGSHIPCR XX/XX/XXXX XX/XX/XXXX XXXX XXXX I XXXX XXXX XXXX I XXXX XXXX XXXX XX/XX/XXXX DATE OF LAST ACTIVITY WITH ORIGINAL CREDITOR : XX/XX/XXXX CHARGED OFF ACCOUNT AUTO BAD DEBT ; PLACED FOR COLLECTION ; SKIP CHARGE OFF AMOUNT IS XXXX I need this to be a priority if not I will take action and complaints will be filed.
Sincerely, XXXX XXXX XXXX
|
| 10/09/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have made Flagship Credit Acceptance aware many times I had a paycheck garnishment last year and I am in the process of trying to get back on track and pay my bills on time but it takes time. Each month 4 days after my car loans due date I start receive multiple calls a day a minimum of 4 with as many as 7 or 8 a day wanting payment for my car loan. I am not 30 days past due and I have told them I cant make payment arrangements because Im living paycheck to paycheck but I will pay you. These calls start at XXXXXXXX eastern time and they end around XXXX eastern time. They will call from multiple phone numbers throughout the entire day harassing me. The calls only stop once I make a payment arrangement. When you talk to someone they dont find ways to help you they just demand a date for payment and secure a payment method.
|
| 03/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I purchased a vehicle with XXXX XXXX services in XX/XX/XXXX. I have never been late with payment and payed over, resulting in my $ 462 monthly payment being on {$62.00} the month of XXXX. I purchased a new vehicle on XX/XX/XXXX, the due date of flagship. The loan from Flagship was transferred to capital XXXX that date. XXXX has a questionable reputation, so even though I had already been released from my loan. I paid {$70.00} to ensure I was not hit with a late fee, with the assurance that this would be refunded as my payment was not included in the payout. Not only did they XXXX not return the already paid funds but they are charging for another month. When I called, the representative stated they did not receive a payout when I have the paperwork from XXXX XXXX stating that it has, along with the title of release.
|
| 07/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Flagship Credit Acceptance responded to my initial compliant and stated they manually updated my correct balance on my credit report. Yet as of today the alerts I have received from XXXX XXXX and a manual search of my credit report shows nothing has changed. In the attachments you will see they XXXX and XXXX both state my last payment was made on XX/XX/XXXX and my balance is over 19,000.00. Flagship states they manually updated my correct Balance. You will also see in the screenshots that XXXX just updated my report on XX/XX/XXXX and the balance still is over 19,000.00 and says my last payment was XX/XX/XXXX. This is a clear violation of the FCRA as a consumer I have a right to accurate information being reported and it is not. I also understand that I may seek legal remedies including damages for such a violation.
|
| 12/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX,XX/XX/XXXX FLAGSHIP CREDIT ACCEPTAN add a hard inquiry on my credit report per XX/XX/XXXX On XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX On XXXX XXXX,XX/XX/XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 06/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
XXXX purchased XX/XX/2021 From XXXX XXXX XXXX. Then the dealership calls me and tell me after the deal is done a day later saying that XXXX let the loan go back and I had to bring the car up there to resign another contact with another Leinholder they claimed they claimed the interest rate was to high so they had to get me out the contract. So I had to drop the car off there and wait for another deal. They called me and said that the new contract is ready and I can come down. I then went down to the dealership to sign the other contract. I didnt get copies of the original purchase agreement. I ask for copies never received anything. My new leinholder is flagship credit acceptance and they have been harassing me and my family. They unlawfully repossessed my car on XXXX XXXX. Their is know debt owed on this account.
|
| 09/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX my credit was fraudulently ran without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/XXXX I signed up for XXXX XXXX because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.
|
| 05/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I financed a vehicle with Flagship XXXX company in XXXX of XXXX. At the time of the purchase I also elected to get GAP insurance. The vehicle was covered with full coverage insurance and GAP. In XXXX of XXXX the vehicle was totaled. I was told at the time of the collision my account would be " FROZEN '' pending all payments from my insurance and GAP company. After all of those payments were issued I called in to see if there was any balance left behind. I was then told if I not make an immediate payment they would be charging my account off and reporting it as late since the last payment was made. I think it is unlawful for them to fictitiously and retroactively change my payment history to manipulate me in paying a sum of money. All calls were on a recorded line, and if demanded will corroborate my complaint.
|
| 02/01/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
A vehicle from 2017 is reporting {$0.00} balance on my credit report. I received a judgment from an attorney located in Arizona by the name of XXXX XXXX XXXX who is acting on behalf of a company XXXX XXXX. This attorney XXXX XXXX XXXX owns XXXX XXXX which has an office in XXXX, AZ as well as XXXX, WA. This person has threatened me with garnishments that total {$19000.00}. The legal civil limit foe a civil complaint in Nevada is {$15000.00} and an attorney can not own and operate the same collection agency that they represent. I have never had any written or oral communication with this attorney and or his collection agency therefore never having the opportunity to respond to any claims against me. I will be reporting this man to the Attorney Generals Office and the Board of Attorneys for unethical practices.
|
| 03/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed XXXX {$580.00} DP OF XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX XXXX XXXX Balance Owed : {$460.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
|
| 01/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
I sent an email on XX/XX/XXXX to let the company know that i was XXXX to a secret location and i would not have access to any communication and I wasted to be covered by the Civil relief act for Soldiers. They never responded to me. I called again on XX/XX/XXXX and they asked me if I wanted to make a payment. They never sent me correspondence or advised me that my account was charged off. When I called on that day I paid the account off in the amount of {$5900.00} and they mailed me my Title. Even though I paid the account in full they still charged off {$7200.00} of the Account selling it to another company. If they charged it off, I would like to receive my money back with interest and the account moved from my credit file because their practices are criminal in taking advantage of military individuals.
|
| 05/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
To Whom it May Concern : I have been trying to get help from Flagship Credit Acceptance and all 3 of the Credit Reporting Agencies to assist with removing the 3 late payments that are being reported by Flagship Credit Acceptance. I have a document from Flagship that states they will remove my late payments and treat them as current. This was part of the " Temporary Reduction In Payment '' ( TRIP ) Agreement. I was sure to make my payments per the agreement, and have been current since the date of the letter. Yet the creditor and the reporting agencies have not taken my complaint seriously. Please see my attached documentation. If you have any questions or concerns, please feel free to call or email me.
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
I have contact Flagship Credit Acceptance numerous times over the past two year trying to get them to remove their account off of all three credit bureau 's. My car was totaled during hurricane IRMA and insurance paid them over {$9000.00}, leaving a balance around {$5000.00}. After insurance payment, I talked with someone after I made another payment of {$310.00} and they talked me into paying another {$2100.00} leaving me a balance of {$2600.00}. They told be they would write this off and I would be in good standings with them. They did not tell me that this would cause a negative remark on all the credit bureau 's. If I would have know this I would have continued to make my monthly payments until it was paid in full. They even sent me a refund check on XX/XX/2019 for {$16.00} for some reason.
|
| 11/16/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have received reports from XXXX and XXXX that Flagship is reporting a debt on my consumer report, I have asked for validation of this debt numerous times that is reporting inaccurate, Flagship is reporting inaccurate and illegal chargeoff of my consumer report. i have sent off letter to Flagship on XX/XX/2021 via certified mail U.S. Postal XXXX, the letter asked them according to my consumer rights to enclose all information that this vehicle was repoed in compliance withing the laws of Texas, they are reporting inaccurate information to the Bureaus of inconsistent this is violation of the FCRA. They are in violation and I will seek my lawyer if this is not rectified in the ordiance for them to remove this. It has been pass 15days, they have received the letter in their office on XX/XX/2021.
|
| 02/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I have a car loan and it gets automatically withdrawn from my account, since last year in XXXX or XXXX the automatically payments stop and I was not aware of it till few months later, and supposedly they were calling about it so when they would call they would never leave messages so I can call back and I dont answer phone numbers I dont know, so this whole time that my payments wasnt getting paid they would never leave a message so how was I suppose to know automatically payments stop, and if they would of left a message I could of taken care of it before falling behind on payments and knocking my scores down. So now Im behind and they wont push it back on the back burner so I could start over since technically its part there fault for not leaving any messages till finally one day they did.
|
| 04/23/2023 |
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 |
|
|
I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.
|
| 01/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I have a car financed through FLAGSHIP CREDIT ACCEPTANCE. I am being over charged for the vehicle. 23 %. I have made payments since XXXX of 2022 and it is not reflecting on my balance. My down payment doesnt reflect on the balance either.
This company also refused to let me change my payment due date, because it cant be changed but every 6 months. I know when i can pay my bills and that is when i need my due date. I have changed my due date in XXXX because when the contract was done i requested to have my due date on the XXXX of the month and they said ok. they didnt set my date for the XXXX they set it for the XXXX.
They are hiding fees and interest, I will never get the car paid off at this point. They are not willing to work with you on any issue you have, or willing to cooperate.
|
| 09/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
Servicemember |
|
I recently refinance my XXXX XXXX XXXX with another lender. My old lender Flagship Credit Acceptance has refuse to show on my credit report that the car is paid off and the loan clear. They told me it will not show until the first on the next month. I refinance the vehicle around XX/XX/XXXX. My new lender sent them the check for the remaining balance on the car. In most cases XX/XX/XXXX being the next month and my credit report should of reflected that the loan had been paid in full. They said it would not show up until XXXX which is currently showing up as 2 debts on my credit report and causing my score to be negatively affected. They need to adjust my report for the correct pay off debt amount so it will reflect a better rating on my report. This amount should show paid in full.
|
| 07/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
A computer glitch that was XXXX problem and not mine caused my inquires to be deleted and they later added then back on without sending out a five day written notice prior to them adding them back on. I then proceeded to call them to let them know of the error and that it was illegal to add them back on with out notifying me. Those inquires added hardship and my rights were violated by XXXX . I 'm asking that you guys step in and put an end to XXXX so that they can stop victimizing me as well as others. As a resolution is ask that all my XXXX inquires that I did not authorize be deleted permanently as a violation that they did n't not notify me of and illegally added back. XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
|
| 04/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
On XXXX I paid {$1000.00} toward my principal which left a balance of {$580.00}. I had already paid my current bill of # XXXX on XX/XX/. I am being harassed to pay {$340.00} for which I am paid in advance.
I request an investigation be done to correct this error and stop this damage to my credit report.
Respectfully, XXXX XXXX XXXX Account : XXXXAutoPay Unavailable Amount Due Immediately {$340.00} AutoPay Status Payoff Amount {$580.00} Payoff Good XXXX XXXX XXXX Monthly Payment Amount {$340.00} Last Payment Received {$1000.00} Account Details View Latest Statement Total Amount Due {$680.00} Amount Past Due ( Due Now ) {$340.00} Next Payment Due ( XXXX XXXX XXXX ) {$680.00} Account : XXXX Manage Account Communication Settings Statement History Payment History Account Settings
|
| 09/02/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I've been receiving calls so many calls that I had to mute my phone to be able to work or sleep, that I decide to call back to explain that they have the wrong number.
Ive reach costumer service 3 times and explained they have the wrong number ; In the last call I confirmed that I owned this number for almost 2 decades, I told them only my first name and what state I reside in, asked for them to remove my number from their call database and if it did not stop I would file a complaint.
I blocked some of their numbers but the text messages started, now my phone is muted except for my emergency contacts, but I need to receive calls for work and personal live.
The company is XXXX, their text number is XXXX costumer service XXXX Other numbers that might belong to them : XXXX XXXX.
|
| 05/04/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX @ XXXX XXXX XXXX XXXX received a certified letter requesting debt validation. This company failed to respond to the letter. On XX/XX/XXXX @ XXXX I called & spoke with a XXXX representative in regards of the XX/XX/XXXX XXXX XXXX. The representative informed me that the vehicle was auctioned off on XX/XX/XXXX ( shortly after repossession ). On XX/XX/XXXX @ XXXX XXXX XXXX XXXX received a 2nd certified letter informing them that the account was in dispute due to the companys failure of proper notification of intent to sell the vehicle per state law. The letter requested proof of notification within 14 days ; if no proof was provided the alleged claim of deficiency is null and void. As of XX/XX/XXXX XXXX XXXX XXXX hasnt responded to either of the certified letters sent.
|
| 05/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Payoff/settlement agreed via letter dated XX/XX/19 - amount agreed {$14000.00} by XX/XX/19 to satisfy loan in full. Amount sent overnight and signed for received in accordance to offer - check cashed. Title never released. Eight months later after repeated requests for communication and explanation, still no title and loan balance on recent statement shows loan is still open.
Loan has not been reported as satisfied to all credit reporting agencies as of this date even though the loan was paid in full in accordance to payoff agreement XX/XX/19.
Still no communication or explanation from Flagship Credit Acceptance in XXXX XXXX PA after repeated written and verbal requests.
My rights under FCRA have been violated and I believe fraud is involved. I need this resolved ASAP.
|
| 06/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft FLAGSHIPCR Date of inquiry : XX/XX/2020 This is not mine.
2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine.
3. Identity Theft US DEPT ED Account Number : XXXX This is not mine.
4. Identity Theft US DEPT ED Account Number : XXXX This is not mine.
5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX Account Number : XXXX This is not mine.
|
| 11/18/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XXXX of 2022 I reviewed my XXXX credit report and noticed a closed collection account from a company referred to as CARFINANCE. I immediately wrote a dispute letter to the company and credit bureau XXXX, requesting validation of the debt.
Since then, more than 30 days have passed and yet no response from the company has been received. Instead, in XXXX of 2022 I received an alert on my XXXX report of the CARFINANCE account being re-opened and a balance of XXXX reporting. I do not recall owing this debt from CARFINANCE and their lack of communication has caused great damage to my financial situation.
CARFINANCE has violated my consumer rights by ignoring my requests to validate this debt. There has still been no attempt from CARFINANCE to validate this false debt.
|
| 09/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Regarding an auto loan with Flagship Credit : The loan balance is about double what it should be. I purchased the car in XX/XX/XXXX. I have a contract for XXXX payments. My payments are {$370.00} per month, yet they show a balance of nearly XXXX. I asked the about it and they said my interest compounds daily. I say that should be accounted for in the contract payments/terms. Also they said I have been more than 30 days late XXXX times. This is also not true, and my credit report will show this. I believe they are trying to extort money from me. This is a predatory loan that I received from a XXXX dealer. I had no idea it was such. This car is a XXXX now with over XXXX miles on it and they say I still owe over {$8000.00} a car that the purchase price was {$11000.00}.
|
| 05/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have a past due auto loan with Flaggship Acceptance, with a balance of {$780.00} I received 2 phone calls by an agent named XXXX on Tuesday, XX/XX/20 at XXXX and XXXX pm. XXXX left a voicemail on each call breaking FDCPA. By law only 1 voicemail can be left daily, multiple calls can be made within a 2 hr window. The voice messages were save on my phone. This is considered harrassment, abuse and unfair debt collection practices under the Federal Trade Commission. I spoke with a Supervisor ( XXXX ) who stated he didn't see record of 2 calls being place but assured me he would be filing a complaint and provided complaint # XXXX for my records. After speaking with him this morning, I received an email regarding the delinquency of this debt and to contact their office.
|
| 08/20/2018 |
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 |
Servicemember |
|
I have multiple inquires on my credit file that i did not authorized i do have a fraud alert on my credit because of identify.Someoen has been using my information trying to get credit i am a XXXX veteran who is XXXX XXXX the list is from XXXX XX/XX/2018 XXXX XX/XX/18 XXXX XX/XX/18 AND XX/XX/18 AND XX/XX/18 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 AND XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 This is XXXX list XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18
|
| 08/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX DBA XXXX XXXX is reporting that a closed account was delinquent two or three times to all three major credit reporting services. This account was never paid late, and was never a delinquent account. I contacted the company by certified mail on 4 separate occasions to inform them of their mistake and request copies of any information or proof of my delinquency on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. All requests were met with form letters stating they completed an investigation and found their information was correct.
At no time has the organization sent any supporting documentation proving this reporting.
Reporting false information is a Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
|
| 11/22/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
I am an admin at a company. The bill collectors call for a particular employee and asked to speak with him or his wife ( Who is not employed by us XXXX. I have explained to them that this employee is not reachable through the number they are calling, and asked them to end the collection calls at this number, but they continue to call. The callers also refuse to explain what company they represent, which makes it impossible for me to submit a written Cease of Communication.
After a Google search, I was able to find the Credit Company online, and I will file a cease of Communication with them ASAP. That being said, prior to me sending the Cease of Communication, their tactics were harassing and unethical.
The Company : Flagship Credit Acceptance XXXX, PA XXXX
|
| 09/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
As of XX/XX/21 my complaints have gone to a new level with Flagship Credit Acceptance. I sent a notice a demand letter to Flagship requesting medical hardship, in addition to an intent to sue for how they have handled my complaints.
Flagships legal department was supposed to reach out to me directly to handle this decision.
Instead of Flagship 's legal department reaching out to me, I was contacted by Ms. XXXX who is a supervisor. When I reached out to Ms. XXXX, regarding my concerns, she lied in her conversation to me about what I said. She stated that Flagship has filed a replevin in court. Even though Flagship Credit Acceptance hasn't filed a replevin through the courts.
This company continues to violate FDCPA violations and continues to be prejudice.
|
| 06/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
Per my earlier compliant # XXXX in which I stated that Flagship failed to acknowledge my loan payoff receipt until after I had to get XXXX XXXX involved I feel that Flagship intentionally withheld applying the payment upon receipt in an effort to accrue interest on the payment and leave me with a balance due instead of a XXXX balance. This in addition to the fact my payment seemed to be different every month is why I demand a full report of all payments and how payment amounts were calculated from the beginning of my loan until the end. I do not believe I should still have a balance due if it was refinanced. Based on the feedback I've received from other past and Flagship customers I am looking into a class-action suit for fraudulent business practices.
|
| 07/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
So i had found out that my contract was fraud do to the lack of full disclosure and that also i participated in a credit consumer transaction and i did not have to pay it back. After i found that out i sent in a money order for full satisfactions and they never reported the amount to my balance. then i sent out a debt validation to they never aswered that when i sent it to them directly. when i sent a debt validation through experian electronicly they responded that way. But they did send the full contract the bottom was cut off and was no signatures. then i sent in the Right of Recissions and they are now harrassing me through another company which you will see through the upload of documents. they also violated the TILA by asking for a down payment.
|
| 03/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I am being harassed by Flagship Credit Acceptance. They call me non-stop even after I tell them I am not the person they are calling for. Every time they call they ask for a XXXX. This is not me and I have told them this several times and asked them to stop calling. They will not stop calling.
I believe their operations are a scam. If you call the number the leave you can never talk to a live person. All they want on the phone system is to trick you into entering your SSN. The automated phone system ask two questions - your account number or SSN. I do n't have an account number b/c I have never done business with these people and I am not the person they keep asking for on their calls. No matter what options you pick you can not speak to a person.
|
| 05/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have sent certified letters to all 3 Credit Bureaus ( XXXX XXXX, XXXX XXXX in regards to the negative item being reported on my credit report by XXXX Card. I have attempted to have this account removed from my credit report for over 1 year. The letters I have sent have challenged the accuracy of the information being reported on my credit report. I informed all 3 credit reporting agencies of the Inaccurate High Credit Amount, Inaccurate Opening Date, Inaccurate No of Months ( terms ), Inaccurate Date of Last Activity being reported on my credit report by Flagship Credit Acceptance. I am requesting this account be immediately removed from my credit report. This negative information is preventing me obtaining financing for home ownership.
Thanks.
|
| 01/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
I was advised by the Attorney Generals Office to file a complaint due to jurisdiction regulation of the matter. This matter involves an Auto Loan that is being reported by a company named XXXX XXXX. The information suddenly appeared on my credit report last year. I immediately filed a fraud dispute with all three credit reporting agencies. The initial date it reports on my file is as open is XX/XX/XXXX and a last payment made XX/XX/XXXX. This in itself is contradictory. It shows a balance owed of {$6800.00}. They are reporting 8 late payments for a period of 90 days. To no avail the information yet remains on my credit file. I am unaware of any loan being initiated with this company. I ask that this matter please be investigated for accuracy.
|
| 01/17/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was involved in an car accident in XX/XX/2015. The car resulted in a total loss, i submitted all the proper paperwork to my insurance company and GAP. My insurance- XXXX XXXX paid off the majority of the vehicle debt. the only problem was my GAP insurance did not pay off the remaining balance due to an incorrect cancellation. XXXX XXXX XXXX, XXXX requested GAP to be cancelled instead of paid out resulting in a balance that should have been covered completely and not a partial payment leaving me with a balance. I tried to dispute it with XXXX XXXX XXXX but they told me the case has been closed ( and filed incorrectly as a cancellation instead of a pay out ) and there was no way for them to reopen up the case and for the case to get settled.
|
| 01/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
The car was paid off XX/XX/XXXX. I cancel the extended Gap and Service contract. Per the dealership, they sent Flagship the checks on XX/XX/XXXX and they the dealership show the checks was cashed on XX/XX/XXXX. The check amount are XXXX and XXXX.
Called flagship on XX/XX/XXXX spoke with XXXX he said he dont see a check. Ask me to have the dealership send a copy of the checks. On XX/XX/XXXX dealership sent in the information.
Call on XX/XX/XXXX XXXX stated that they have not gotten any updated information. He will send a letter to be escalated call back tomorrow.
Called on XX/XX/XXXX speaking to XXXX she dont have any updated information. Dont see any checks in the system will have a supervisor call me back with XXXX the next 24 hours
|
| 01/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
this complaint is against flagstar they are breaking facra fair and accurate credit reporting act reported last activity after my car was charged off, i had called loan and told them to come and get car and they waited three weeks to come and take car also on credit report it showing active and showing that last activity was XX/XX/XXXX but they actually took car in XXXX but they finally got car in XXXX, ,i paid all payments on time and voluntary let car go back do to hardship. i was told that case was closed but they still have it open and dates are all wrong they need to correct the dates cause im trying to buy a house now and the date XXXX needs to be changed to correct date... they sold car XX/XX/XXXX after they came and got it in XXXX
|
| 07/31/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
This has been a problem since the loan began : 1. ) They repeatedly call me 5-6 or more times a day, every 3 hours, if I go beyond 10 days late.
2. ) At the 10th day, they charge an excessive {$70.00} late fee on the loan 3. ) In their effort to humiliate/harass you if you are late, they actually cut off access to using their online bill pay service. Because they receive pleasure in humiliating/threatening/harassing you over the phone.
4. ) If you give them no exact time table when you can pay before the 30 day late grace period, they keep calling you repeatedly.
I'm actively working on credit repair. I CAN NOT WAIT to refi my car loan elsewhere and get away from this abusive company. This activity should be something that is ILLEGAL!!
|
| 04/16/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
The loan company, Flagship Credit Acceptance, has been asked in writing more than XXXX, and on the phone more than XXXX to cease from calling me at my place of employment as it is not allowed.
They continue to ignore this request/demand and have called here again today, giving XXXX of my co-workers a snide attitude.
I have asked them in writing to stop harassing my friends and family members as well to no avail. After a certain amount of tie goes by, they seem to feel justified to call my work and other contacts.
This loan is up to date and the payment they are starting to harass me over is only a few days late.
I have had enough with this company 's bad business practices and judging from other complaints I have read, I am not alone.
|
| 01/11/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On or about XX/XX/2023 my car XXXX XXXX was taken by a company called XXXX XXXX to a tow yard located in the city of XXXX XXXX, Texas I was advised that Flagship credit had requested the car be collected. I do not have an account with Flagship credit I do not have a debt with Flagship credit. I have reached out to Flagship credit I spoke with XXXX, XXXX and XXXX whom are all collection managers XXXX being the head of the department XXXX which I left a voice mail I have provided the XXXX and written statement on XX/XX/XXXX, XXXX, XXXX and again on the XXXX advising I am the owner of the car and have no debt with Flagship. Flagship has continued to force this account on me. Flagship is holding my property and will not closed this account.
|
| 01/11/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On or about XX/XX/2023 my car XXXX infinity was taken by a company called XXXX XXXX to a tow yard located in the city of XXXX XXXX, Texas I was advised that Flagship credit had requested the car be collected.
I do not have an account with XXXX credit I do not have a debt with XXXX credit.
I have reached out to Flagship credit I spoke with XXXX, XXXX and XXXX whom are all collection managers XXXX being the head of the department XXXX which I left a voice mail I have provided the XXXX and written statement on XX/XX/XXXX, XXXX, XXXX and again on the XXXX advising I am the owner of the car and have no debt with Flagship. Flagship has continued to force this account on me.
Flagship is holding my property and will not closed this account.
|
| 03/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
During the early stages of the Covid pandemic, I experienced an income loss that temporarily prevented me from making an auto loan payment on my active loan with Flagship Credit Acceptance. Through the CARES ACT, I was granted a temporary forbearance, and I have since resumed payments and brought the loan current. However, despite that, Flagship Credit has continued to report to the credit bureaus that my auto loan payment has been late since 2020, and continues to report the account late today! According to the CARES ACT, none of these delinquencies should have even reported to begin with. I have asked Flagship Credit Acceptance to correct my pay history on several occasions, but they never take any action to correct the matter.
|
| 04/20/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
|
| 08/20/2018 |
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 |
|
|
On XX/XX/XXXX XXXX XXXX sent me a letter stating that on XX/XX/XXXX XXXX XXXX XXXX on XXXX in XXXX, Colorado sent them an application for auto financing on my behalf, which I was denied, then again on XX/XX/XXXX i received another letter of credit denial from XXXX stating the same thing, the day before on XX/XX/XXXX I received a letter from XXXX XXXX stating that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX, Co. requested an Auto Loan for a XXXX XXXX XXXX, then on XX/XX/XXXX XXXX also denied me for the same company for an auto loan, which is the same company as XXXX XXXX XXXX, and again that I was denied. Also, on XX/XX/XXXX XXXX, and XXXX XXXX XXXX denied me credit, which I did not apply for, it was for another auto loan.
|
| 05/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
After becoming 60 days behind on an auto loan I called XXXX XXXX XXXX to arrange payment of two payments in two days ( when I got paid ) the representative refused to accept the post dated payment and demanded I made payment that day or the the loan would be put into default and the the car repoed in which I couldn't for two days and I was hung up on. Car was repoed a few weeks later. Not only was I not sent any of required documents regarding the sale and the remaining balance personal items including a GPS several hundred dollars worth of my wife 's school books and other things where left in the vehicle and after several attempts to get these personal items they continued to refuse unless some form of payment was made.
|
| 10/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you.
Account Opened Amount FLAGSHIP CREDIT ACCEPTAN XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
|
| 05/17/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )
|
| 05/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have made multiple attempt to resolve this issue with XXXX. 100s of phone calls literally and I am ready to seek legal counsel on this.
I settled an account with XXXX on XX/XX/XXXX. To date I am struggling to have the correct status reflected settled and closed.
After months of struggle, XXXX is finally reporting settled XX/XX/XXXX and closed. XXXX and XXXX are still showing DEROGATORY status and no closed date. In fact there is an " N '' for negative on XX/XX/XXXX in both bureaus.
This is affecting my ability to seek home equity loan. I have put into this 5 months. I have been patient. These people do not care. Beyond taking the settlement they do not care to meet their end of the bargain, to report correctly.
|
| 04/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
My XXXX XXXX XXXX was repossessed in XXXX of XXXX and sold without proper notice to me. The only notice I was given was through the online customer portal on XX/XX/XXXX, when the car was sold on XX/XX/XXXX. I do not believe any effort was put forth in seeing the vehicle for a reasonable price. My balance was over {$21000.00} and the car was sold for {$6000.00}, leaving me with a deficiency balance of over {$16000.00} after repossession fees. This is after already paying close to {$4000.00} with a down payment and monthly payments. I do not believe I should be responsible for this deficiency balance, as the amount the vehicle sold for is extremely low. XXXX XXXX XXXX values that vehicle at upwards of {$10000.00}.
|
| 07/13/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I am trying to set up a payment arrangement with Flagship Credit Acceptance regarding my car loan. I informed them that I only get paid on the XXXX of every month and was informed that I could change my due date but they would not do so. Also, my house was in the process of foreclosure so I had to resolve that issue which I did before I could move forward with paying my car loan. The representative threatened me and asked where the vehicle was so they can come to my house and take it since I 'm not responsible. The representative hung up every time I tried calling her back and sent me threatening e-mails as well. I am able to pay the full balance on XXXX XXXX to resolve this matter but no one is calling me back.
|
| 03/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/22/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Applied for a vehicle loan online with no credit back in XXXX. I was approved for a XXXX XXXX XXXX for XXXX. Ive always had problems with this company. For the first three months I had an allotment set up with them and they claimed that they did not receive my allotted payments because they did not have the right allotment number after I sent them the allotment multiple times. In XXXX XXXX, I deployed and set up an auto payment where monthly payments would be made every months. On XXXX/XXXX/XXXX my car was repossessed for missing 3 monthly payments. I called and tried to receive information on my auto payment plan but the representative told me she could only tell me how much I needed to pay to get my car back.
|
| 03/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have asked flagship to remove this off my credit, I did not give written consent for this loan to be reported, late payments has been reported inaccurate. This has cause several denials for other things Im trying to purchase.
In accordance with the Fair Credit Reporting act Flagship credit acceptance account # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please remove this account from my credit file.
|
| 02/05/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have disputed a claim through XXXX through XXXX and claim number is XXXX and have not yet got flagship credit services off of my credit report I have spoke with flagship credit services and they said I have to file a claim through credit report. Anyways there was a XX/XX/XXXX XXXX XXXX I have let go back but it shows im 120 days last on a payment I have not had the car since XXXX and I am requesting that they remove it from my credit report because they ha e sold the car and have not contacted me since repossession I do n't know where yhe car is or how much it was sold for they have no right to report on my credit I am 120 days late so I request that flagship credit services be taken off of my credit.
|
| 06/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
On XX/XX/2023, I sent flagship credit acceptance a letter and they sent it back with a stamp on the envelope saying in dispute. Today XX/XX/2023 I woke up and my car was repossessed. They never sent me a letter or tried to contact me at all. They zeroed out my account then changed it to a chargeoff online. They did an illegal repo and I want to my car back. They are telling me I have to pay {$6600.00}. to retrieve my vehicle. I have sent them countless letters for payment, and I have sent them a recission letter that they brushed off saying that they don't agree with. On XXXX XXXX, I sent them a recission letter which they denied to honor. XXXX XXXX XXXX never responded to my recission letter.
|
| 05/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My car note was recently acquired by Flagship Credit Acceptance from XXXX XXXX . As I 've done with XXXX XXXX , I set up auto pay for my loan, over paying weekly in excess of the monthly payment. Everyday, EVERY SINGLE DAY, no less than 6-8 ( SIX TO EIGHT! ) times a day, Flagship calls to collect money I do not owe! Flagship sends me emails weekly to acknowledge the deductions yet they harass my family and me by endlessly calling our home phone as well as my cell. I 've attempted to block these harassing calls but they keep calling from different numbers ; either a XXXX , XXXX , XXXX or XXXX . This has to stop! I AM NOT BEHIND IN MY PAYMENTS! As a matter of fact, I am OVERPAID.
|
| 04/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
XXXX XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXXXXXX. XXXX, 2020
|
| 11/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
My car loan company is automatically ai n't a late fee to my monthly payment saying is just in case i do n't pay on time. However, the amount with the fee shows the amount of my monthly payment. When i asked them if the extra charge goes to my principle when i pay on time, nobody claims to know. So, every month, they ate putting the {$50.00} wherever they choose which is not fair based on the fact that I am paying on time.
Additionally, I have paid my car note late and there was an additional charge so it 's {$50.00} is the late fee where is there an extra charge over and above the {$50.00} if I pay it late? And when I pay it on time based on the statement I should only be paying {$460.00}.
|
| 04/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with a trade-in
|
|
Web |
|
|
Purchased a XXXX XXXX XXXX XXXX at XXXX miles in XX/XX/XXXX at {$19000.00}. We tried returning the car less then 7 days later due to not a car for us as a family. We were told we had to make payments on the car first and try to trade it in after. We drove the car less then 800 miles and the clutch failed. The dealer wanted to charge {$4000.00} to have the clutch fixed. Came back to trade it in and was told we need to make more payments before they will trade it in. The dealer should of have replaced the clutch before we bought the car since it was past the 100,000 miles marker. We have had our credit run again by the dealer when we didn't have an reason to wince there was nothing happening.
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
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| 05/10/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I have contacted this company on multiple occasions informing them that I need verification of the debt or have it removed off of my credit. The item was removed as they were unable to verify the debt with me or the major credit bureaus. They then readded the debt back on after a few months. I've recently contacted them as of XX/XX/2019 in an effort to have the debt removed once again for failure to verify the debt. I sent a certified letter to the company 45 days ago and another one on XX/XX/2019 after not receiving proper verification from the company once again. I have attached a template of the letter 1 that was sent and as of recent letter 2 that was sent for the company to verify.
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| 03/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
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On XX/XX/18 XXXX accessed my credit report fraudulently. They received my information from XXXX XXXX. XXXX XXXX has since sent letters stating that the information to XXXX was sent in error and to remove the inquiry. I also, sent 2 letters and called to inform them that access to my credit was not authorized. I was not seeking lending from their company. Furthermore, I have an active fraud alert that states that I must be called to verify all applications. At no point did XXXX call me to verify the legitimacy of the information they received. This is a violation of US Code. I stated this in letters and via telephone and they refuse to acknowledge their error and remove the inquiry.
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| 08/24/2015 |
Yes |
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- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
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Web |
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The company flagship credit hired a man that claims to be a criminal investigator. He has threaten to put a warrant out for my arrest as well as threaten that I have a class XXXX felony against me. He will not give me his name but continues to ask me to contact the comoany. This is against fdcpa. I have already notified flagship about the owner of the vehicle due to me being the cosigner. They still contact me over 15 times a day as well as other family members and harass me. I am going to seek legal action because this have put me and my family in a horrible situation. I have a 3 month old son that I take care of. I do not work and I asked them several times to stop contacting me.
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| 05/19/2015 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Servicemember |
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Reached out to them however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Flagship Credit '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization.
Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
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| 03/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Servicemember |
|
Reached out to them however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Flagship Credit '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization.
Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
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| 02/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
XXXX XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX Open date XXXX XX/XX/XXXX Flagship credit accept Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position.
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| 03/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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There are quite a few inquiries that i did not recognize on my credit report. I will list them below and would like for them to be looked into and removed please thanks.1-Flagship XX/XX/XXXX. ( 2 ) XXXX XXXX XX/XX/XXXX. ( 3 ) -XXXX XXXXXXXX XX/XX/XXXX. ( 4 ) -XXXX XXXXXXXX XX/XX/XXXX. ( 5 ) -XXXX XX/XX/XXXX. ( 6 ) -XXXX XX/XX/XXXX. ( 7 ) XXXX XXXX XXXX XX/XX/XXXX. ( 8 ) -XXXX XXXX XX/XX/XXXX. ( 9 ) XXXX XXXX XX/XX/XXXX. ( 10 ) XXXX XX/XX/XXXX. ( 11 ) Flagship XX/XX/XXXX. ( 12 ) -XXXX XXXX XXXX XX/XX/XXXX. ( 13 ) -XXXX XXXX XX/XX/XXXX. ( 14 ) -XXXX XXXX XX/XX/XXXX. ( 15 ) XXXX XXXX XX/XX/XXXX. Please investigate this unrecognizable and unauthorized inquiries please thanks.
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| 05/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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|
Web |
Servicemember |
|
I have been getting repeated calls from XXXX XXXX They are trying to contact XXXX XXXX, a person who used to have my phone number. Sometimes they call several times a day. I was told that the number is still listed to this other person, but it has been my number for over 2 years. I have asked them to stop calling. Sometimes when I answer the phone, no one will respond. I have an unlisted phone number, which I have requested from XXXX XXXX XXXX, that nobody be able to find my phone number in a phone book or on the internet. I am not the person they are trying to reach, and it is not my responsibility to provide them with my information. I would like the phone calls to stop.
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| 11/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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The company XXXX XXXX appeared on my XXXX credit report on XX/XX/XXXX and on XX/XX/XXXX. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
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| 08/12/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/XXXX, Flagship Credit Acceptance sent me the attached letter stating that they " agreed to release the lien free title ( or SIF ) for the settlement amount of {$10000.00} '', which was offered from my Insurance company after my car was declared a total loss. In XX/XX/XXXX, they then reported a charge off amount of {$6300.00} to the credit bureaus. Upon realization of this, I contacted them via US mail, including the Attorney General and XXXX XXXX XXXX, disputing the charge off amount reflected on my credit report, as I have a letter clearly stating that Flagship Credit Acceptance accepted the amount paid by my Insurance company, agreeing to release the lien.
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| 03/23/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Debt was paid in agreed settled amount. With stipulation written if cashed! Flagship offered me an installment payment plan over 12 months to pay off debt. I paid the {$4000.00} agreed amount in one payment. Written on check if cashed flagship is agreeing to remove from my credit reports! Flagship has had the opportunity to return the check to sender, and the opportunity to notify me via email or by phone to let me know they were not agreeing to the terms written on the check! Flagship credit acceptance LLC cashed my check knowing my expectations! I dont see if I fulfilled what they asked of my why they shouldnt be obligations of the stipulations of cashing my check!
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| 07/14/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am a victim of identity theft. I was harassed with calls from XXXX until XXXX by Flagship Credit Acceptance. I filed a identity theft report, police report, and a FTC Report and sent them in along with my license, social security card, and my utility bill. The company Flagship Credit Acceptance stopped calling and they removed the debt on XX/XX/XXXX. They reinserted the debt as a new account on XX/XX/XXXX. No reinsertion letter. No validation of debt. The debt is now reporting as a charge off and they no longer have the debt. Totally ruined my credit 15 USC 1681b-Permissible purposes of consumer reports 15 U.S. Code 1681i - Procedure in case of disputed accuracy
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| 06/30/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I have disputed this account and have asked for proof in form of a signed contract with my signature and have not received anything. Flagship Credit continually reports this account to the credit reporting agencies incorrectly. I have never done business with Flagship Credit Acceptance. I have never signed any contract with Flagship Credit Acceptance but they still are reporting this account under my name. Under the FCRA the creditor is supposed to furnish proof of the debt if asked. I have asked them to send me proof and they have not. I want them to delete this account from my credit report immediately. This has hindered me from getting a house and other things.
|
| 01/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
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|
Web |
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In Colorado, most types of debt have a statute of limitations of six years. The exception is debt on your auto loan, which has a statute of limitations of just four years. Once the statute of limitations passes, the debt becomes time-barred. Debt collectors can no longer garnish your wages or place a lien against your home or car and collectors can still hound you with calls and letters in an attempt to get you to pay.
THIS IS PASSED THE SATUE OF LIMITATIONS AND REPORTING ON MY CREDIT REPORT THAT A BALANCE IS DUE.
REPORTING THE FOLLOWING INACCURACY : Past due amount : The balance currently reported as past-due by the company holding the account.
{$10000.00}
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| 04/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I did not apply to the following places for a vehicle. I have contacted each one and they said they can't do anything about it, and they blow me off like it's my problem, when they are the ones who looked up my credit. But it shows a negative on my credit report because all these finance companies checked my credit report. I don't live in XXXX. The only two states I have lived in for the last 30 years is XXXX and XXXX XXXX. I have not looked for a car finance company at all. If I did, I would go straight to XXXX, where I know I can get it financed.
XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
|
| 02/05/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
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|
Web |
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Auto Loan fraudulently opened at XXXX XXXX XXXX in XXXX, Fl. for the financing of a XXXX 2011 vehicle with Flagship Credit Acceptance. The finance company ( 7 months ) ( Flagship Credit Acceptance ) did not and does not have the proper documents- title, etc to provide to DMV in order to grant a permanent registration/tag for the vehicle. However they were still taking payments of XXXX per month for 3 months and are reporting the loan as open and late with missed payments on my credit report. Per court order the Department of Motor Vehicles issued the title in my name and the title specifically states 1st lienholder =none. The title is not electronic- it is paper.
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| 12/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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In XX/XX/2022 the vehicle was totaled, and the remaining balance paid off by GAP insurance. In the same month the primary owner who was XXXX, passed away due to unrelated causes, since then the cosigner has been asked to pay {$300.00} a month to cover the interest on the loan. There are documents stating there is no money owed and that there may be a refund. I am the mother of the cosigner ; I am assisting her with this complaint because of XXXX she does not understand she is being manipulated. She has paid {$2100.00} to the lender thus far. It is my belief she is being targeted due to her XXXX. She only receives {$840.00} a month and has to raise XXXX children.
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| 02/07/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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|
Web |
|
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I have been battling with Flagship for over 2 years regarding this debt. I have spent several hours, money, resources on this, I even started learning about my consumer rights and found out how much this company has violated my consumer rights. Flagship is fraudulently reporting negative information about me and has stopped me from being able to get credit extended. I have filed complaints before and have been closed without being resolved. I sent them a cease and desist ALL COMMUNICATION IN ANY FORM in XX/XX/2021 and to this date they are still reporting negative information which is a form of communication. Please assist me with this to be resolved IMMEDIATELY
|
| 03/10/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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|
Web |
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I am currently behind in my payments due to being off work. I have explained to the account representatives the reason I am late. I have also advised them the date the amount and method of payment. I continue to receive calls from Flagship financial services asking if I word lime to set up my payment. The account representative XXXX continues to be sarcastic and very abusive. I asked her to read back the previous Noyes several times and she refused. I have also asked that they do not call my references, nor skip trace me when they do have a point of contact with me. I have also asked to only email me. The sarcasm and the back of professionalism has gone too far.
|
| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The loan company stopped credit reporting in XX/XX/2023 and continue to report that I am 30+ days late since this date. This is not correct. It took them 30+ days to get me my payment history and they never updated my credit report. I have filed disputes and they still wont correct it. Since the date in the documents I have continued to pay them monthly. They did update their payment portal in XXXX which caused a change in some account numbers, this is not an error the consumer should be paying for. They need to get this corrected and merge the accounts and be ethical and honest about the credit reporting. I want my payment history fixed on my credit reports!!!
|
| 10/07/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FLAGSHIP CREDIT ACCE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 04/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Today and for the past 3 months, I have had intense financial distress, and been unable to meet all my obligations. One of those obligations has been my car loan. Everyday I receive no less than 5 calls from XXXX XXXX concerning the vehicle. These calls are harassing, and when I do speak with someone they don't offer any resolution to my problem. The amount of phone calls I receive is outrageous, and it's throughout my work day, and the weekends, they never stop calling. I even had a note stuck to my front door concerning calling them. I have asked them not to call me during my work hours, that lasted about 3 days, and then right back to the repeated calls.
|
| 08/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Today, I filled out a form on XXXX XXXX to look at having my vehicle loan refinanced. XXXX XXXX indicates that they do not do a hard credit pull on your credit report when doing this. I even spoke with a lender through XXXX XXXX that said they should not have pulled any hard inquiries at all and I should report it. I did receive an alert that a company called Flagship Credit ran a hard inquiry today XX/XX/20 without my knowledge or consent. I have never spoken to anyone from this company nor do I know anything about it. I assume they got my information from XXXX XXXX. I want this removed as I never gave permission and it was done without my knowledge.
|
| 01/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 12/31/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have an auto loan with XXXX XXXX XXXX.My payments are not behind. When I made the last payment there was no late charges shown on my account. I got my XXXX Statement and the was a late charge of $ XXXX.Surprised today to see that they included the XX/XX/XXXX payment with the current payment for XX/XX/XXXX together. This is illegal to do since XXXX is not here. Then they locked my account and I was unable to do the correct payment on line.
I need assistance with this company since they are unfair with their credit practices.
The correct AMOUNT DUE FOR THE MONTH OF XXXX IS {$700.00} SINCE XXXX WAS PAID.
THE XX/XX/XXXX STATEMENT HAS NOT BEEN DONE!
|
| 11/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Repeatedly asked representatives of this company, on more than 1 occasion, to refrain from contacting me. I also gave an alternate contact number at which the account holder could be reached. I was told by several representatives after requesting not to be contacted, that I would no longer receive phone calls. Also that my number would be removed from their records. During the most recent call I was told I would not be contacted for up to seven days, after that they would resume calls. I again asked for my number to be removed from their records but was told I have to submit my request in writing. I continue to receive phone less than 24 hours later.
|
| 12/19/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 01/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 08/09/2018 |
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 |
|
|
( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made. ( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ( ii ) upon request of the consumer, the address and telephone number of the person.
|
| 07/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I dispute the information being report by FLAGSHIP CREDIT ACCEPTAN FLAGSHIP CREDIT ACCEPTAN # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX this auto loan was paid in full by my auto insurance and my gap insurance. I believe this company is trying to get extra money from me when this account should show paid in full.
I refuse to be strong armed into over paying on an account that has already been satisfied. this company is fraudulently reporting incorrect information out of spite and greed. remove this damaging information from my report. I request this complaint be escalated to an executive/level in which this item can be resolved.
|
| 08/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
Flagship financial has been harassing me. They call literally everyday XXXX times a day telling me I owe money on a car that I traded in. When I traded my car in at XXXX XXXX XXXX XXXX XXXX I was told it would be paid off. I haven't been in possession of the car since. I've talked to XXXX different people and explained this to them all. I've communicated this through email as well. I am tired of being harrased. They are calling me and my wife who has nothing to do with the car or the loan. I was under the assumption that only I ( the borrower ) could be contacted about a debt owed. Through XXXX XXXX XXXX yall already have possession of the car.
|
| 10/05/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FLAGSHIP CREDIT ACCE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 05/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 02/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
This vehicle was repossessed by XXXX XXXX XXXX in the State of Virginia on or about, XX/XX/17, and resold on or about ( I was never made aware of the resale date, price, deficiency ).
Under the laws of the State of Virginia UCC Title 8.9A. Commercial Code - Secured Transactions - Part 6 Parts 1 and 2. Default and State RISA and MVISA statutes a deficiency can not be 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.
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
|
| 06/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I recivex a reponae from this comaony stating ... .According to our records, you submitted an online application for credit to XXXX, a fulfullment partner for Flagship, via XXXX, which was forwarded to Flagship on XX/XX/XXXX, at XXXX XXXX, in connection with the potential refinance of a XXXX XXXX XXXX ( the Vehicle ). We reviewed the information provided by XXXX and have confirmed that the name, address, e-mail address and telephone number match the information provided in your complaint.
How can a third party send information on another party behalf and get away with this process?? I never authroized for a hard pull on my credit report.
|
| 09/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
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I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you.
Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$910.00} XXXX XX/XX/XXXX {$3300.00} XXXX XXXX XX/XX/XXXX {$0.00} Hard Inquiries Flagship Credit Acceptance XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
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| 10/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Hello, I am being called 4+ times a day until my car payment is made with XXXX XXXX XXXX. It is due on the XXXX and I am called 4+ times every day until the XXXX when I can pay the bill. I am also occurring interest every month from the XXXX to the XXXX and because Ive moved my payment date twice, they will not allow me to move the date again. Ive had the loan for almost 5 years and it has only been paid about XXXX XXXX due to this interest Im getting added on every month.
The calls are the most frustrating part. I also requested to not be called during the XXXX and they are still calling multiple times a day, at all hours of the day.
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| 11/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Recently, I have received my credit report and seen that I had 9 hard inquiries that I have not filed applied for. Which are listed below and all of these are for an auto loan which I did not applied. I tired contacting all companies below with dispute letter, asking them to remove the hard inquiries the companies had added to my credit report and I have not received a answer back or nothing has changed on my credit report.
XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017
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| 04/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Hello I am a first time customer for purchasing a new vehicle in my name. When I was offered for a deal on a new car. I was told by the car dealership that it would be several such as 2 to 5 loan members that will be credit reporting my credit score.. Due to this I seem to look on my credit report and it has been dozens of car loan lenders attached to my account which took a huge toll on my credit score. It has been hard for me finding a house credit score to XXXX dramatically dropping. All lenders that I've seen on my credit report is not recognizable anot recognizable and I would like you guys to please please see into this situation.
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| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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The Following are unauthorized and I asked XXXX delete them I have reached out two both XXXX and the companies the Inquiries were made from and neither party can provide me documentation of my application or wet signature on documents but refuse too comply with Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that creditors and XXXX can not verify.I understand that under 15 U.S.C.1681i ( a ), you must complete this investigation within 30 days. The following companies and XXXX need to provide me copy of application and signature said companies are : XXXX XXXX
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| 10/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Ca XXXX ( XXXX ) XXXX XX/XX/2023 Dear CFPB, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : FLAGSHIP CREDIT ACCEPTANCE Account : XXXX Amount : {$25000.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.
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| 04/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I was looking for auto loan refinance options and applied to some companies like XXXX XXXX, XXXX XXXX, etc. These are companies that act as a link between consumer and Lender or Credit unions who offer loan amount.
After few days of applying, I see there are hard inquiries on my Credit Report from these lenders on XXXX XX/XX/2023 : 1. ) XXXX XXXX 2. ) XXXX XXXX XXXX XXXX 3. ) Flagship Credit Acceptance These hard inquiries were done on my credit WITHOUT MY CONSENT.
When I contacted one of them, they replied that I need to register a complaint with Federal Trade Commission website, ftc.gov. They will evaluate me after I do this.
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| 09/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/2019, I went into XXXX XXXX in XXXX, Maryland with the intent on looking at cars for research purposes. After 30 minutes, the car salesman said, he would check to see if I qualify for the car we test drove. I specifically told the salesman " I just got my credit up and I wasn't to sure about running my credit. '' After 10 minutes he came to me and said that I was approved for the car. When I checked my credit I saw that my credit was ran almost 10 times without my approval. I was misled by deceptive marketing practices. Flagship Credit Acceptance company ran my credit through their system without my knowledge or approval.
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| 08/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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14 days after I payed the vehicle I contacted the company for a title delivery status. Rude customer service said they have 30 days by law. 35 days after I payed off the vehicle I contacted the loan company. Again rude customer service now stating they have 30 days to deliver the title after the processing of the title started which was 16 days ago. 51 days after vehicle was payed off they informed me they mailed the title to the wrong address 25 days after I payed the vehicle off. Customer service said they emailed the title department for a duplicate to be mailed out. I was stopped there no one else I could be transferred to!
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| 01/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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A supervisor by the name XXXX XXXX with FLAGSHIP CREDIT ACCEPTANCE approved my 60 day ext XX/XX/20 I emailed him multiple times and he was supposedly not available for 30 days. I was called repeatedly by different representatives saying I was behind when in factuality I wasnt. They failed to update my account consistently. They reported me being late 60 days and Ive never had a late payment and they dropped my credit score 90 points and Im in the midst of buying a home for my family. I have the documents to prove this extension was approved and they sent me a letter saying the update was accurate, this is violation of the FCRA!
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| 08/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I 've had nothing but problems with this company since I established a car load with them 2 years ago. The most recent, I have been trying to log into their payment portal for three days and kept getting error messages. I also tried to make a payment using the electronic phone system and kept getting the message " you are not set up for electronic payments ''. I finally reach someone today, and and 20 minutes on the phone they corrected the problem. I also made a payment, but this put me 31 days past due. I asked them please not report the late payment to the credit and they told me " there are other ways to make a payment ''.
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| 06/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number 1 ), has violated several of my rights.
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.
15 U.S.C 1660B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
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| 10/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I bought a car inXX/XX/XXXX I got a loan through FlagShip and was making payments monthly. I made all my payments on time, however, I got in a crash inXX/XX/XXXX and my car was totalled. I had insurance and gap insurance which together paid off the car fully. I had no problem for a couple months, but recently ( XX/XX/XXXXor XX/XX/XXXX ) I checked my XXXXredit score and I was flagged as missing a payment. This does n't make sense as the car loan should have been paid of in full by my former insurance company ( they kicked me off afterwards unfortunately ). What can I do to get this reversed, I went from a XXXX to about a XXXX.
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| 06/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX , 2017 I received an alert this morning from XXXX and XXXX that my complaints against Flagship Credit had been resolved yet it has not. Flagship Credit is reporting a higher Balance than I owe and updated the credit unions with the false information thus impacting my credit score a violations of the FCRA. Flagship Acceptance Credit reported that I have balance of {$19000.00} when I called and have attached a copy of my statement that shows a balance of {$18000.00} the pay off would be only around {$18000.00}. This false information caused by balance to increase on my credit score was imp acted.
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| 01/21/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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In XXXX of XXXX, I reached out to the Flagship Credit Acceptance regarding lowering my monthly payment. I spoke to a supervisor who informed me that my payment would change from {$1000.00} to {$900.00} and I will be notified in writing of the changes. I have yet to receive any new paperwork reflecting the change. The company also assured me that my late payments from ( XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX ) would be removed as well. My credit report has not been updated from Flagship Credit Acceptance since XX/XX/XXXX. This oversight has hindered my homebuying process and I would like it updated and corrected immediately.
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| 04/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have a car loan from FLAGSHIP CREDIT ACCEPT, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called FLAGSHIP CREDIT ACCEPT and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and FLAGSHIP CREDIT ACCEPT with no successful resolution. XXXX, XXXX, and XXXX reporting me 4 time 30 days late in XXXX and XXXX. There was an error on their part. I was never 30 days late during those years.
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| 10/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I bought a car in XXXX XXXX. I got a loan through FlagShip and was making payments monthly. I made all my payments on time, however, I got in a crash in XXXX XXXX and my car was totalled. I had insurance and gap insurance which together paid off the car fully. I had no problem for a couple months, but recently ( XXXX or XXXX XXXX XXXX I checked my credit score and I was flagged as missing a payment. This does n't make sense as the car loan should have been paid of in full by my former insurance company ( they kicked me off afterwards unfortunately ). What can I do to get this reversed, I went from a XXXX to about a XXXX.
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| 03/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
Servicemember |
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On XX/XX/XXXX at I bought a used auto, XXXX XXXX XXXX from XXXX XXXX in XXXX-AZ . The total cost of the car was around {$25000.00} and I made {$4000.00} deposit and I am to finance the remaining {$21000.00}. After the dealership called me that theyve got a lender that will finance my car I realized that the lender ( Flagship Credit Acceptance ) and the dealership rather applied the interest rate on the entire {$25000.00} before subtracting my {$4000.00} deposit that I made. As a result, Ive been Ive been making my monthly payments of XXXX since XX/XX/XXXX but still my principal with the lender is still at {$24000.00}.
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| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I visited XXXX on XX/XX/2023 to look into refinancing my auto loan.
XXXX website advertises a prequalification with no credit score impact.
I input my information and, upon hitting submit, moments later I was notified that my XXXX credit report was accessed by XXXX and Flagship Credit AcceptanceXXXX
None of the three companies listed ( XXXX XXXX, XXXX, or Flagship Direct ) had my permission to do a hard pull on my credit report, and doing so is contrary to the advertising put forth by XXXX XXXX.
I am including a screenshot of their advertisement as well as a written response from Flagship Credit Acceptance.
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| 07/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
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| 07/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I went to purchase/finance a vehicle through XXXX XXXX XXXX in XXXX, SC. I gave them consent to pull XXXX credit report later to find out they told me it was pulled XXXX times and l was lied too it had actually been pulled XXXX times for hard inquiries. I became so frustrated with them I actually paid cash for the vehicle due to the fact they had pulled it so many times especially after negotiating with them about the price due to the markup of the vehicle. I just want these hard inquiries removed from my report. I had decent credit before and now it has dropped my score to the low XXXX due to no fault of my own.
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| 12/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, FLAGSHIP CREDIT ACCEPTAN add a hard inquiry on my credit report.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
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| 10/04/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
Servicemember |
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I received Orders for XXXX XXXX in XXXX XXXX, and I requested the interest rate to be lowered. I mailed in my request and Orders. I XXXX XXXX XXXX. I never received the decrease in my interest rate. I followed up every month about the Interest and I was told it was being processed. After returning from my XXXX in XXXX XXXX, I was told by Flagship Credit Acceptance I could not receive Servicemembers Civil Relief Act. I was XXXX for a year and it caused significant financial issues the fact I was told it was processing but the interest rate was never reduced. I kept receiving the run around and was treated unfairly.
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| 04/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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On XXXX 2023, & XXXX of 2023 I called the company and ask one of the Representatives for a hardship help because I was a XXXX survivor but I had just XXXX and I was unable to work. They denied me. They proceeded with repossession, I explained to them that I will not be out from work long but I just need time because, I had been dealing with it since XXXX. They denied me. So I took a look at my contract and cried, they were charging me 20 % interest and my payments were XXXX a month. I told them Im a single parent its no way I couldve done theirs I was hurt at all the hidden things done. They truly messed over me.
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| 07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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I don't recognize majority of the accounts and i never opened any service with this companies and i think someone else in using my information without my knowledge and i don't recognize them.
Plus i never been notified about this not even the credit report agency have never notify me this.
And i dont recognize them and i request ask them to send me any proof of my signature otherwise they are responsible for affecting my credit for reporting wrong information on my credit report score as well the credit report agency are responsible that is affecting that why I can't access to get credit or any federal funds.
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| 01/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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Flagship Credit has continuously reported increasing balances. By law after 30 days is late!
I have never paid past 30 days. Because if COVID 19 and this pandemic I have not paid on the due day exactly but never late! I am granted grace period. They are dropping my score reporting increased balances. Where are the increases coming from? It is not legal!!!! They financed this car that breaks down and not even reliable and 3 months later the dealership closed, Im seeking out this loan ASAP! Nothing but fraud, high interest! They report incorrectly!!!!! Inaccuracies in balance and I am known going to seek action.
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| 02/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I sent Flagship Credit Acceptance a letter wishing to cancel the transaction because Pursuant to 1635 you never included my right to rescission nor did you provide me with the material of disclosure upon my request with the fact that I have the right to rescission. So I hereby exercise my right to rescind the agreement under the provisions of the Truth of Lending Law and 15 U.S. Code 1635 Right to Recission and I ask you to return my deposit/down-payment of {$1500.00} within the 3 years right to rescission as required by law. They have not responded in the 20 Day time from that they have by federal to respond.
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| 09/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
Servicemember |
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I traded my car on XX/XX/2023. As of today I still have not received my gap insurance refund. I was told it was a 60-90day process and that they received the check from the gap insurance company XXXX XXXX, XXXX. Today I called and talk to 3 different associates who all told me they will be in contact with me if anything changes but still did not guarantee that the check was being processed to be sent to me. Im not sure what kind of scam is being ran but it has never taken me this long to received a refund from my gap insurance. As of today XXXX would not allow me to talk to upper manager to resolve the issue.
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| 10/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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I Received my credit report showing a inquiry from XXXX XXXX XXXX from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.
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| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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Back in XX/XX/XXXX I asked Flagship to remove the credit account from the my report after a long 2 months battle with Flagship, in one or more of Flagship writing they responded stating they would remove the account but would not returned the vehicle. I have file a small claim lawsuit in XX/XX/XXXX to address who the car belongs to and if it should have been returned. Currently there is no proof that I did business with Flagship also if the dealership made mistakes I should not be the one paying for it on my credit report. I have ask Flagship to remove this many times but still this is showing on my report.
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| 10/25/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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|
Web |
Older American |
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Every month on my XXXX 2008 truck tell this Flagship company with used to be car finance.com and I was never inform of the change but this flagship company calls after my due day on the on the XXXX of each month and I always tell them when I 'm going to pay them around the end of the month when I get paid again because I am paying IRS back and I 'm never over 30 days let but I will get these calls form this company XXXX XXXX time in a week and they will call my wife XXXX to4 times and I have told them to stop the calls because I have to pay them but I would to have the call back its turning into harassment.
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| 01/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Okay so back in XXXX I made my payment with flagship I'm always on time with my payments so when I receive my XXXX payment it says my XXXX payment didn't go through I checked my bank I also called them they say my payment was confirmed and that it most definitely went through flagship is still saying it didnt go through they said it was some type of charge back but I look at my account I never received a refund for it at all so how can I pay something back that I already paid it doesn't make sense I sent it my bank statements showing proof it was payed they still have not been trying to work with me at all
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| 10/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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I have asked for the last 4 payments XXXX {$650.00} XXXX {$500.00} XXXX {$700.00} XXXX {$800.00} on my account to be applied towards my Principal balance and I have yet to see it be applied. I dont understand why it hasn't been applied. In total {$1200.00} went to interest when that should have gone towards my principal balance.
I'm trying to pay this balance down while I still have a job. All you're doing is applying it toward interest which is not helping at all. I noticed based on other reviews on this company I'm not the only person who has been asking for this request and it hasn't been updated yet.
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| 04/20/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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My lender keeps calling for payments and late payments. I call them and they automated system asks for my full SSN, I put it in, then says please hold for the next available rep, then it hangs up on me. I have tried to login using my normal credentials and it says it no longer exists. I am getting unencrypted emails from a representative with the company and they refuse to communicate via email with me, yet will send me an email of who they are and that i need to call in. This is unbelievable. I can not make a payment no matter how hard I try and all the while I know I am being charged interest and fees!!!
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| 01/14/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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On XX/XX/XXXX flagship called me on off the dialed system XXXX times. I picked up every time and it connected and the call hung up. The XXXX and XXXX call a rep answer i told both reps that they keep calling I have a payment already pending on file and to stop calling. This morning at XXXX am. Flagship called again. I explained to them i will be filing a complaint with I also informed the rep yesterday. Be a this is a fdcoa violations. They already spoke to me XXXX yesterday I asked not to call me again and I have a payment on file. I asked to speak with a manager and the rep said she was too busy.
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| 03/03/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
|
|
Web |
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Have been threatened with arrest for failure to surrender vehicle by companies repossession agent, was threatened with legal action to obtain judicial order mandating surrender of vehicle, and have been threatened to have vehicle repossessed for missing one payment. XXXX, call center supervisor, has been very confrontational, demanding, threatening in every conversation I have had with him. Company also charges a {$3.00} processing fee for payments made via phone each time a card is run. I have to split my payment into XXXX cards and they company is refusing to waive for second run for my payment.
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| 02/20/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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Today XX/XX/XXXX my husband, I and my sister in law all received calls about a car repo from XX/XX/XXXX. For starters they shouldnt be calling my sister in law and giving them any information. They left a message on my husbands voicemail that if he doesnt respond today they will have him arrested. The business is called XXXX XXXX and their number is XXXX XXXX. They said we had to pay something to them today or they would take our tax refund, garnish wages or money from our bank. We have not even received a letter regarding this situation at all. They are also repeating calling all of our numbers.
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| 03/08/2018 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I contacted XXXX to dispute several inquiries I have on my credit report from various car dealerships. These dealerships ran my credit without my knowledge to several lenders thus resulting in a surplus of inquiries on my report. The inquiries under dispute are : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). I attempted to have XXXX look into these inquiries and they informed me that they would not initiate an investigation until I had letters from these lenders.
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| 11/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/2019 Flagship Credit Acce add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contact, or signature for this accused debt at all. A bill without a signature does not validate the debt and and can send a bill and say its mines. According to the FCRA. Flagship Credit Acc has violation my rights as a consumer and I'm requesting legal action to remove this account immediately. Thank you
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| 11/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
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|
Web |
Servicemember |
|
Well what happened I was in hospital having a XXXX due too so much stress going on and flagship towed my car which is fine but they could call me too see what happened and then the people they sent went in my car trashed it and didn't return my items they put some in garage bags but didn't get permission to enter the car but now I want me to pick it back up when I don't know what was done too it so I want to sue but I can have consideration but I don't know but some unlawful things took place that I'm not wanting to deal with I work for state so I'm not trying get in trouble for nobody..
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| 08/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
|
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XX/XX/2023 flagship crediti acceptance changed my account number and didn't notify me at all..so when I made my payment in XX/XX/2023 it went out to wrong company and I had to cashe that out and resend it to their overnight processing office ... I have never been late with them even when XXXX and flagship first sold me a car that neither one had a title for I still paid..I have sent both of my XXXX and XXXX payment in by usps and someone signed for it and they claimed they haven't received it, ,but now they are charging me XXXX per day in interest and no one is helping me from flagship.
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| 07/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Flagship Credit Acceptance LLC issued a deceptive form as a contract. Repossessed the vehicle, sold it, and still continues to furnish negative information to the credit agencies for years now. I have asked them to validate this alleged debt and they still have not provided me with the required documentation pursuant to 15 USC 1692g nor the documentation I requested from them. I am attaching the correspondence I have sent them, everything is over 40 pages, so I am only attaching what I have sent them and their last response to me. If all 40 pages are needed I can forward upon request.
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| 02/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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XX/XX/XXXX through XX/XX/2019 XXXX XXXX XXXX has been calling my cell phone and home telephone numbers at least five times a day total. I am only a co-signer on the contract of a vehicle. The borrower said that arrangements has been made for a payment but they continue to call. The payment is due the XXXX of each month, the vehicle is not in collection or repo status it is only a few days past due and yet the collection dept. starts calling me the next day it is past due. Prior to the XXXX they send an email to my email address. Please I do not need to be called 5 to 6 times a day.
|
| 04/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have called flagship and have not received a straight answer as to why my account shows 90 days past due. Shows my last payment to be XX/XX/XXXX. I have filed disputes with transunion. I filed a complaint with the BBB and my account was current for a week and then it was reported back to 90 days past due. These past due payments are affecting my credit score. I have been making payments and Im actually payed ahead by about {$200.00} dollars. I continue to file disputes and nothing changes and I dont know why? If you look at the payment history nothing for XXXX is updated.
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| 12/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
|
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This has been an ongoing struggle with Flagship Credit Acceptance for a long time to get this straightened out and interest etc has been piling up while attempting to resolve several issues that I am having and have had with this company. I have made several attempts to talk with an accounts manager but have been given the run around ever single time!!!! I ask them to review recordings of past conversations but they somehow are not to be found or no record of the conversation. This company refuses to correct their mistakes and I bear the punishment via interest, fees, etc.
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| 08/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Damage caused or loss of personal items in vehicle during the actual repossession
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|
Web |
|
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Flagship Credit Acceptance wrongfully repossessed my vehicle on XX/XX/23 which they admitted to. They returned my vehicle on XX/XX/23 not in the same condition that the vehicle was in when they wrongfully repossessed it. Since the wrongful repossession I have had to rent vehicles which has been costly. The said vehicle is our only vehicle. Both my husband and I have missed out on work which has also been very stressful, frustrating, and costly. And now it is unsafe to drive the said vehicle so now we will have to rent another vehicle. I will attach a list of the damages.
|
| 06/03/2021 |
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 |
|
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On XX/XX/2020 I was in the search of a vehicle at XXXX XXXX XXXX. They asked for my social security number & at this time I didnt have a credit line opened so I wasnt worried. I also disclosed this to them and they assured me they only needed my social for identity verification purposes. I was never told they would be running a credit check. I never authorized them to use my information for anything else, not to mention sending it to FOUR different companies! I have called all four companies individually to remove the inquiries off my report but they have denied to do so
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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I recently pulled my credit report and saw unauthorized inquiries on my report. The unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 USC 1681. 15 USC 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 )
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| 05/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
|
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THE COMPANY IS CHARGING MORE AND MORE ON INTEREST ETC. I WAS TOLD IN XXXX TO MAKE A PAYMENT AND I WILL GET AN EXTENSION IN XXXX. I CALLED IN XXXX TO PAY A PARTIAL PAYMENT WAS TOLD BY THE REPRESENTATIVE THAT I WAS NOT DUE UNTIL XXXX ALL NEED TO PAY WAS XXXX DOLLARS. I TALK TO SEVERAL REPS WHO DID NOT MAKE SENSE ON WHY I WAS TOLD THIS AND IT IS MAKING ME BEHIND IN MY PAYMENT. THE COMPANY HAS COMPLAINTS OF HOW CUSTOMER SERVICE AND THE COMPANY GIVES WRONG INFORMATION AND HOW THEY ADD INTEREST THAT MAKES THE PAY OFF HIGHER. THERE IS A CLASS ACTION SUIT AGAINST THIS COMPANY
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| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired XXXX XXXXXXXX XXXX XXXX inquired XX/XX/XXXX I have no Knowledge of these hard inquires and according to 15 U.S.C 168 1c-2 they must be remove...
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| 09/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
|
I had a auto loan with flagship credit acceptance. I got the loan refinance through a different lender of XX/XX/2021. The lender sent a payment check to flagship credit acceptance to pay the account with them in full on XX/XX/2021. Flagship Credit decided to post my account as 30 days late on XX/XX/2021. This cost my credit report to lose several points and they reported false information. Instead the account should show paid in full and no late payments. I'm highly upset because I'm currently trying to fix my credit score rating and they are damaging it more.
|
| 10/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
|
Flagship is reporting to XXXX XXXX, XXXX and XXXX, I XXXX days late for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. While logged into my XXXX account it clearly shows no late payment for any on the month except XXXX and I have submitted to them the canceled check they cashed from my bank. I also have XX/XX/XXXX and XX/XX/XXXX payments to support all my payments to XXXX but yet they still refuse to remove the in correct information from my credit report. I will be happy yo email my proof of payments to you to support my dispute at request.
|
| 02/21/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
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I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be 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. PLEASE HAVE THEM IMMEDIATELY REMOVE
|
| 06/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
|
| 12/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I have requested on 3 separate occasions for my loan to be reported so that I can refinance it and get out of this outrageous interest rate, The company in turn refuses to report my loan so that they can trap me into this interest rate and not allow me to go elsewhere. I recently spoke with Manager XXXX XXXX XXXX who states he has never heard of that practice however they sent me a letter stating they decided they do not want to report the loan to credit bureas. They put me in a 24 percent interest loan and every month they keep increasing the loan value.
|
| 01/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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I had an auto loan through FLAGSHIP CREDIT ACCEPT. My car was totaled out, paid off by my auto insurance and gap insurance. The finance company ( FLAGSHIP CREDIT ACCEPT ) did not process the payments timely to pay off the loan. They tried to get one last payment from me but I disputed it because my insurance companies paid the loan off. No my credit report shows a write_off of XXXX dollars. I dispute owing FLAGSHIP CREDIT ACCEPT any money. This is hindering my ability to finance a home. This loan was paid in full but the lender is trying to get more money.
|
| 09/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
|
Call flagship credit to have them report my payments to the credit bureau spoke with a supervisor and she assured me that she would contact the person who is responsible for reporting to the credit bureau. That was in XXXX and XXXX to no avail they still havent reported to the credit bureau yet. Now Ive paid off the car on the XXXX of XXXX and spoke to a representative who said the info would be reported on the XXXX of XXXX. Now its XXXX XXXX and still it hasnt been reported yet.
Flagship credit acceptance LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 02/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX. This company needs to audit my account and remove some of the dates that are said to be late. I am current on this account. Even when I am current the company continues to call about the upcoming payments or payments that are nit 30 days late. I have asked that the account be audited by a human and that if the company can not prove to me on paper that my payment was more than 30 days late that my account be updated and corrections made to ALL credit reporting agencies. This time period is from the beginning to present of the account.
|
| 10/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
This is the only way to report an auto lender I have not asked for lower rates due to my current financial situation. However they have called a reference and told them I'm late on my payments after I told them to stop calling and start texting, emailing, or sending information through the mail. They refused any of those methods for " security '' even though I've okayed those and only those methods of contact. I would have left phone calls available except they call 4 or 5 times a day if you don't answer. They harass people for being 30 days past due.
|
| 12/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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|
Web |
|
|
I purchased a new car back in XXXX of 2022. My credit score was about XXXX at the time of the loan. I was given a loan at a very high rate, almost XXXX, for a XXXX XXXX XXXX XXXX. On more than one occasion, I requested Flagship credit acceptance to stop calling my job. i am behind on payments because my husband was in an accident, and they were informed. They call my cell phone almost every 10 mins, as well as calling my job and leave messages. My payments are due about he XXXX of the month, and they start calling on the XXXX and start harassing me.
|
| 12/11/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
I co-signed an auto loan for my daughter. The loan has been paid on time every month since its origination. Recently I was notified of a late payment or a payment not properly credited.I have sent a schedule of all payments along with cancelled checks for the past three months with no response. My daughter continues to receive collection calls, while I have never been contacted despite my guarante.It is an high interest loan with a beginning balance of XXXX and a current balance of under 6,000.00 No previous delinquency no previous collection efforts
|
| 06/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Please reference prior CFPB complaint XXXX. Despite the company 's admission of error and statement in their CFPB response letter that they would correct the credit reporting errors, the referenced payments still reflect on my credit report as 30 or 60 days late.
Subsequent to my previous issue, the company is reporting 30 days late on my XX/XX/2018 payment, which is incorrect. The payment was made late, but was not 30 days late. It needs to be removed from my credit report.
I am attaching the company 's response to my prior CFPB for reference.
|
| 10/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I pulled my credit report and noticed some inquires that I did not authorize. On my XXXX report, there were the following inquiries that I did not authorize flagship credit aceptan, and XXXX XXXX XXXX XXXX. This showed it was done on XX/XX/2023.
On my XXXX report, I show the following inquiries ; XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX again, and XXXX XXXX on XX/XX/2023. I did not authorize these. On my XXXX report, I show the following inquires were done on XX/XX/2023 that I did not authorize : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX.
|
| 06/30/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
In XX/XX/2017, I purchased a vehicle from FLAGSHIP CREDIT ACCEPTANCE, I was being XXXX a month later so I returned the Vehicle to dealership two weeks after purchasing. My deposit of {$3000.00} was never reimbursed and the car was sold to another consumer for {$19000.00}. They reported the account as charged off for the amount of {$4800.00}, but they are still the account holder for the past four years. All my communications and disputes has bore no result. This has been hurting my credit for the past three years and they refuse from removing it.
|
| 01/29/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
On XX/XX/XXXX. I called flagship credit to make a payment and discuss an Adjustment of late charges and other charges that was arbitrarily added to my account on XX/XX/XXXX and XX/XX/XXXX. I spoke to a CR Rep who advised that the adjustment was for the life of the loan but they couldnt give me any specific dates or send me an activity history show which dates those adjustment were mad. Im paying this loan off this year XXXX and out of no where they add XXXX and a separate XXXX to my loan. Why now. And why did I never see anything I writing.
|
| 01/22/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
XX/XX/XXXX has violated my rights as a consumer several time in the past 7 months ... ... left 2 vm XXXX XXXX XXXX ... ... 3 vm XXXX/XXXX/2015 ... .2 vm XXXX/XXXX/2015 and I have saved all records. ... they also went into my bank account unauthorized XXXX/XXXX/2015 and on XXXX/XXXX/2015 gave my account details to unauthorized third party ... ..I 'm sure I 'm not the only consumer they 've done this to and this needs to be investigated. ... at this time the only resolution ill accept after so many violations is payoff on my acct number XXXX
|
| 10/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I requested flag ship update atleast one of the three major credit bureaus since they have not done an update in six months on my payments the reports show no data. This was in XXXX I gave them a month to update the data and they did not so I filed a dispute with XXXX. At the time Id messed up the dispute and was unable to include my proof of payments as a pdf file but Flagship reported the data as correct instead of updating the payments I have been making. I have not been notified of any contract changes and they use to update monthly.
|
| 03/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I had a load with a company called navigator and they went out of business. then a company called flagship bought the account. I had some late payments in the past. I got back on track and made my payments on time. Now that I come to the end of the loan I asked how much I owed then I was told and was sent out that the total amount do is {$670.00} and my payments or current. Then I was told I owe XXXX the paper work shows that I had XXXX left as of XXXX/XXXX/2016 then reported me late to the credit burial. All I have left is XXXX payment.
|
| 04/01/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have asked Flagship credit acceptance to stop calling me on at least 15 occasions and they continue calling me. I have also requested the text messages to stop and they continued for at least a year. Every time I get a call I ask the to look at their notes and then at that time they apologize and give me an excuse. Their system didnt updated my phone numbers, or that they thought that I just didnt wanted manual calls, or that they didnt saw the notes before calling etc. I know I have a debt with the company but Im Paying it as I can.
|
| 03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I purchased a vehicle in XXXX of XXXX and when the pandemic hit i was out of work in XXXX. The loan company helped me with 4 deferrals and the payment for XX/XX/XXXX was reported 30 days delinquent on my credit reports. I was had on in communicating my financial concerns and I was told multiple times that due to the pandemic they would not report over 30 days late.
This is not what took place. And I haves called and emailed complaints about the 30 days delinquency on my Crefit report and have asked to have it removed and its has not.
|
| 11/16/2018 |
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 |
|
|
In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
|
| 11/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
|
| 01/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
For the past week Ive been getting calls from this company that is XXXX XXXX XXXX and they are saying they are going to repot my truck and this was on XXXX so I set up to pay them through XXXX XXXX and they gave me all the numbers so I could do it by XXXX, so I went in on that day and put in the numbers they gave me and paid the money and then today XXXX I get another call stating they dont have the money and are going to take my vehicle once again, but on the XXXX XXXX side it says it went through and all the numbers are the same.
|
| 09/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
Requested SCRA benifits on XXXX XXXX from Flagship Credit Acceptance for and auto loan that I had through the company from XXXX to XXXX @ roughly a 19 % interest rate. I have been XXXX XXXX since XX/XX/XXXX and currently still XXXX. Request was submitted for the Key provision State of XXXX which is my home of record and still is my legal residency. No updates on account outside of " still under review '' for 90 days with no correspondance. More than the minimum required documentation was submitted to the company on two occasions.
|
| 10/06/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
FLAGSHIP CRD Account # XXXX This account is reporting inaccurately and incomplete. I have requested documentation from this Financial Institution and have not received a response or the information I requested. It has been pass 30 days.
Certified Mail Receipt : XXXX XXXX XXXX XXXX XXXX XXXX I have been disputing this account and no proper investigation has taken place and this is a violation to my consumer law rights and my mode of living.
This account needs to be deleted from all XXXX consumer reporting agencies immediately.
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I contacted Flagship Credit Acceptance and advised them that they are violating my federally protected consumer rights by not providing me with the correct form to opt out of credit reporting. I have advised them several times that this is a violation of the privacy act. Also, this is a form of identity theft since I did not authorize them to report private information to a third party entity. Flagship Credit Acceptance has not asked for my consent verbally nor written to report such transactions to the credit reporting agencies.
|
| 01/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off my car loan at the beginning of XXXX. They claim they sent the title, I never received it. They now have been promising to send me a release of XXXX paperwork so I can get a duplicate and have not received it. It has been 2 & 1/2 months going on three months. They have a call center that refuses to transfer you to anyone. They say they have to email The title department and can not transfer or give me another number. I have called probably 2 dozen times, they always say it takes 15 days. I have yet to receive anything!
|
| 02/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification. FLAGSHIP CREDIT ACCEPTAN Inquiry : XXXX XXXX, 2020. This is my second request. For the first time no response came in 15 days. In the letter received, the company says about Ms XXXX XXXX, but I'm not Ms , I am Mr. XXXX XXXX. So I come to a conclusion that I was provided with the false information ( See attached letter ). Also I have no recollection of doing any business with FLAGSHIP CREDIT ACCEPTAN LLC.
|
| 11/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have disputed this account with Flagship three times and nothing has been sent to me proving the validation of this account. It has been over 120 days since the first letter was sent i send a new one each 30 days and still no response.
I have also disputed with both XXXX and XXXX and they still fail to provide me with adequate information or documentation of validation of this account. PLEASE REMOVE THIS ACCOUNT FROM MY REPORT IMMEDIATELY as all of these companies are violating my rights and refusing to help solve the issue.
|
| 11/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have disputed this account with Flagship three times and nothing has been sent to me proving the validation of this account. It has been over 120 days since the first letter was sent i send a new one each 30 days and still no response.
I have also disputed with both XXXX and XXXX and they still fail to provide me with adequate information or documentation of validation of this account. PLEASE REMOVE THIS ACCOUNT FROM MY REPORT IMMEDIATELY as all of these companies are violating my rights and refusing to help solve the issue.
|
| 07/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XX/XX/XXXX inaccurate late payment I am disputing the delinquency reported by Flagship Credit due to covid my job closed down I reach out to them for assistance according to the Cares act during the Covid 19 if you get relief assistance from your creditor they are not to report late payments only report active accounts they reported me 30 days late they did not notify me of this I think this unfair and without warrant do the pandemic this shut down was not my fault I ask that this late report be removed from my credit report.
|
| 08/31/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Recently, Flagship Credit Acceptance started reporting a {$9700.00} debt on my credit report. Prior to this debt appearing on my credit report, I never received a notice of my right to dispute. Failure to provide such notice is a direct violation of my rights under the Fair Debt Collection Practices Act ( federal law ). In an attempt to cover their illegal activity, they have " fabricated '' letters to make it appear I was given a notice of right to dispute. However, this is just a feeble attempt to veil their transgressions.
|
| 10/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I have been disputing for several months with XXXX XXXX XXXX items on my credit report. I am listing the accounts which are not mine and must be Deleted immediately from my credit report since it is causing problems with my employment and personal credit rating.
1. XXXX XXXX {$440.00} 2. Flagship Credit {$4000.00} 3. XXXX XXXX XXXX {$300.00} 4. XXXX XXXX XXXX {$0.00} This account has a XXXX BALANCE and I am still receiving phone calls stating the Balance is {$5400.00}. I have No Idea what or why they are even contacting me.
|
| 06/23/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
my loan has been serviced by flagship credit, and I never receive any statements or email statements, i just send a payment. i do n't even have access to there online account portal, and never have had any access. I like to know where my money is going, i 'm forced to pay my payment by XXXX XXXX. I believe im being taken advantage of, and am not getting the treatment i feel i should get. i 'm only asked to pay and no disclosure of my fees my interest rate, nothing. i 've paid thousands upon thousands of dollars and no trace.
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
I contacted the creditors to request a settlement and they said they would accept half which was XXXX. I advised I only had XXXX and that it would take a few months to get the remaining balance but by then the tradeline would no longer be reporting due to it being over 7 years old. They declined. It still shows in collection status not charged off on my credit report. I filed a dispute a with XXXX and they would not honor the tradeline being over 7 years old and either remove it from my credit report or show as charged off.
|
| 11/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have a credit inquiry from Flagship Credit from XX/XX/2020.
I have had no prior knowledge of this credit agency nor any prior contact.
Ive tried to contact the company by calling the number listed on their website. I was unable to speak to a real person. The automated system kept asking for my account number or my social security number. I dont even know this company to give them my social.
This is not a credit inquiry made by myself. I want this inquiry removed from my report. As this had brought down my credit score.
|
| 12/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
On XX/XX/XXXX hurricane Micheal affected my area, I live in XXXX XXXX, fl, I was without phone service and internet. Once phone service was restored I attempted to reach out to XXXX XXXX to ask if there was any way they could offer assistance since I was also out of work for over a month. I attempted to call and email and never heard a response. They reported my late payment and charged me late fees. I still have very limited internet access and I still have not heard from them except to receive my next monthly statement.
|
| 08/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
My XXXX XXXX was repossessed on XX/XX/XXXX with out any notice from Flagship. I never got any notification in writing, with emails, or by phone. When they did call they did not leave a message. My husband is on the loan as a co-signer and he was not notified either. When I go onto my online account it says nothing about it being repossessed and or having to make a payment by a certain date. It states that I have until XX/XX/XXXX to make a payment. So now I am left with out a vehicle and no way to work or to get anywhere.
|
| 03/05/2018 |
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 |
|
|
Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask XXXX XXXX XXXX XXXX ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with XXXX XXXX XXXX XXXX is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
|
| 09/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
They have failed to report the on time pay history for the months of XXXX XXXX XXXX XXXX XXXX even after I have made numerous phone calls to rectify the problem. After my 3rd request, they when in an reported XXXXXXXX XXXX payment and still dint report the month 's preceding that payment. They were all to quick to report the debt, and charge 19 % interest, while they neglectfully negate the reporting the timely payments thereof. My credit score is suffering severely as a direct result in the holes of this pay history.
|
| 11/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
High balance of XXXX but the balance owed is XXXX The term length is different on all three bureaus On XXXX it shows that the high balance is XXXX, the date of last activity is all different .Its stating on XXXX the merchandise was taken back by credit grantor, XXXX saying its a charge off as a bad debt, XXXX is just saying charged off account, the date opened is different with all three bureaus.These are inconsistent and inaccurate information being reported and I would like this to be deleted off of my credit file
|
| 08/23/2023 |
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 |
Servicemember |
|
On XX/XX/2023 I went to a car dealership in XXXXXXXX XXXX. to purchase a vehicle, I was unaware that after me being declined with the first bank, That this dealership would continue to shop my credit around to other lenders without my knowledge and after I had long left their place of business .The result of the auto dealer practices have caused a unnecessary burden on my personal finances and my business finances, I walked into the dealership with a XXXX credit score and awoke the XXXX XXXX to a XXXX credit score.
|
| 05/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
In response to 1st complaint ID XXXX. In the letter response sent by Flagship Credit they state that my credit is updated/ reported monthly. Which is not true, as stated on my credit report. My account still shows past due as of XX/XX/2021. They have not fixed the issue and its affecting my credit score. They are failing to report the accuracy on my account. None of my 2021 payments are reflected on my account. Again my account is paid ahead and not behind. I have attached my account reports as of XX/XX/2021 XXXX
|
| 09/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
Back in 2019 I discovered fraudulent activity involving my name thru numerous bills and other documents being delivered to my address claiming I own a vehicle that I never purchased or drive. Im also receiving tolls and a poor XXXX XXXX because of this problem. I asked the company on a numerous of occasions to have my name taken off that account or I will press charges they agreed to disagree and I now have the police report to prove my innocence. And will go further with the law in order to clear my name.
|
| 02/08/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Got behind 5 days on my car loan when the calls started. The calls were 4 -5/day and begin around XXXX. When I talked to them, I told them the situation of slowed commissions and explained that I would be back on track well before 30 days. The calls did n't stop, finally I had to talk to them again and told them I had already spoken to them about it and explained the situation. That still did n't stop the calls. The calls come from several different numbers and it has gotten to the point of harassment.
|
| 06/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I had a vehicle loan with Flagship Credit Acceptance, the vehicle was totaled out on XX/XX/XXXX by XXXX XXXX XXXX. XXXX XXXX payed off the vehicle and GAP insurance that was through Flagship was never filed after I submitted the Gap paperwork, they are reporting this loan as a charge off. The company has been unreachable since the beginning of covid-19 lockdowns. This loan needs to be closed out with paid in full and all the negative remarks on my credit corrected.
Vehicle : XXXX XXXX XXXX VIN : XXXX
|
| 05/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/XXXX I mad my XX/XX/XXXXcar payment which was XXXX $ with the processing fee which left my balance at XXXX $ I then made an early payment for XX/XX/XXXX on XX/XX/XXXX of XXXX and asked that the extra XXXX $ be applied to principle On XX/XX/XXXX I made an early payment for XX/XX/XXXX of XXXX and asked the extra XXXX $ be applied to principle balance None of my principle payments have been applied to the balance and the company has not updated my payments since XX/XX/2018 which is 3 months ago.
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my creditworthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. $ 1681b ( Permissible Purpose ).
|
| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
i never requested to get my credit inquiry for inquiries mentioned below : A FEW OF THEM ARE 6 TIMES OR REPEATED AFTER 5-6 MONTHS.
PLEASE REMOVE THIS - THIS WAS NEVER APPROVED OF ME TO GET INQUIRED.
XXXX XXXX XXXX XXXX FLAGSHIP CREDIT ACCEPTAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 05/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I was charged a late fee of {$55.00} for a payment that was done on XXXX website. I have never been late with my loan before. The representative I spoke with in XXXX 2016 when this matter occurred reported it was the company 's fault and would handle the problem. As of today 's date ... the problem still exists. Every month XXXX report my loan late due to the late fee of {$55.00}. Every month I call XXXX XXXX and get no results. I have requested to talk with managent/supervisors with no progress.
|
| 01/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
The following hard inquiries are on my XXXX report & I have made multiple request to have these inquiries removed. The credit report agencies have not fully investigated properly and the inquires continue to hinder my ability to obtain a home loan. The following hard inquiries are not authorized and need to be removed : XXXX XXXX - XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Flagship Credit XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
|
| 04/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I contacted XXXX to remove 6 late payments that were unlawfully added to my credit report by Flagship credit acceptance. When these late payments were added to my account I had received an accommodation from the car finance company due to the impact of COVID. According, to the Cares Act if a lender extends the consumer an accommodation ( deferral of payments ) which I received the lender should only report a current standing. Due to this reporting error my credit has been tremendously impacted.
|
| 04/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I established this loan in XXXX and have always made my payments through my bank with electronic bill pay. On XX/XX/XXXX, I sent two payments that have never been applied to my account. I have been reported to the credit bureau as being delinquent since XXXX and they harras me continuously even after I have sent them proof of the payment. I have contacted them at least ten times regarding this and each time I am told the supervisor is unavailable and they will call me back and it never happens.
|
| 10/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
|
| 03/22/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
FLAGSHIP CREDIT : I am being called on a regular basis by a lending company that I have no loan with. I was apparently used as a reference without permission. I have asked on at least five different occasions to be removed from the account and to stop all calls, but I still continue to get calls. I want to file a formal complaint. The company continues to harass me and leave messages. Several of their supervisors have confirmed that the account reads -- do not call -- but they continue to call.
|
| 01/23/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/XXXX I had contacted Flagship Credit to inquire why my payments have not been reported to the 3 credit agencies since the start of the loan XX/XX/XXXX and was told that it would be looked into. I followed up on XX/XX/XXXX to receive an update and was told the same. As of date, the following payments has not been reported to the credit reporting agencies : XX/XX/XXXX {$520.00}, XX/XX/XXXX {$490.00}, XX/XX/XXXX {$530.00}, XX/XX/XXXX {$530.00}, XX/XX/XXXX {$430.00}, XX/XX/XXXX {$500.00}
|
| 01/24/2024 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This collections is still being reported on all XXXX credit agencies and I want it removed immediately. I have sent information and will upload it again. I would like for this company to send me the 1099c that should have been filed if this debt was charged off as it sates on my report. I will act under law if this information is not provided or if the information is not taken off my XXXX reports. Its tax fraud and I will be filing a complaint with the irs if this isnt removed are furnished.
|
| 11/18/2021 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have sent numerous of Letters stating that XXXX was reporting a inaccurate account, They have refuse to fix this issue even after numerous of times of proof. XXXX is reporting a Charge off monthly on my credit report after XXXX of it being charged off. This account is is supposed to be dead account but it is still reporting a active payment history. Each time the Charge off is reporting the statue of limitations is directly changed. They have refused to correct or investigate this account
|
| 08/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX & XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 12/03/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
Consumer have been in dispute with FLAGSHIP regarding a debt that arised from a consumer credit transaction. Consumer requested documentary evidence from FLAGSHIP in which they have failed to provide. Since FLAGSHIP can not provide consumer with sufficient documentation to validate, FLAGSHIP are to cease collection activity per the Federal Law. On XX/XX/2022 Consumer sent FLAGSHIP An Affidavit Of Fact. FLAGSHIP has failed to rebut the affidavit of fact therefore this affidavit stands true.
|
| 06/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In XXXX, XXXX, XXXX and XXXX I repeatedly requested a payoff sheet and a statement from flagship credit acceptance. I have spoke to managers and staff alike and nobody can figure out why I can get the repo threat letter but no statements or any contracts that flagship received from XXXX. I wanted to confirm they had all of my documents and they refuse to produce all the documents they received from XXXX XXXX or even whatever ever documents are in my files. Nobody has been able to help me.
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
One of my exes kept my belongings when i moved out and i ended up having to pay to order a new birth certificate and had to go get a new social security card. I noticed this account on my credit report for a car that ive never had. I dont even have a license to get a car in my name. I contacted the finance company and the document they have is a document that was signed electronically by someone and my name was signed. Ive disputed this and nothing has happened its listed as a charge off.
|
| 06/17/2021 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Flagship Credit Acceptance have called over 5 times in a single day. They leave at least 2 messages a day. On XX/XX/XXXX they called 5 times and left 2 messages. Even when payments are set in the system Flagship agents will still call and then apologize because there is a payment in the system. The interest rates are extremely high and they are overcharging. The car that I have financed with them isnt due to be paid off until XXXX and I got the car in XXXX. Payments are $ XXXX monthly.
|
| 08/09/2023 |
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 |
|
|
I have 2 Hard Credit pulls on my credit reports that I did NOT authorize or give them my SS to do so.
XXXX XXXXXXXX XXXX XXXX XX/XX/2023 and Flagship Credit Acceptan ( finance ) - XX/XX/2023 I called both and they cant remove or have no idea if or how they did it.
I did NOT give out my SS online and I did not authorize ANY banking institution to pull my credit.
Please remove these from my Credit bureau as it has affected my credit which I am trying to rebuild after a bad divorce.
|
| 09/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The credit bureau did not investigate the late payment reported on my credit report from flagship credit acceptance. By consumer law, they are a corporation, i am a consumer and flagship credit acceptance is damaging my report and my life.15 USC 1681 ( 2 ) Exclusions consumer report containing information solely as to transactions or experiences between the consumer and the person making the report. please investigate and have the company change or delete the late payments. thank you.
|
| 05/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
The company calls at least 5 times a day and now is calling my daughter daily. They tell her in the phone that they know she is my daughter. They also have started calling my son in laws phone daily and he wasnt even a reference. We are unsure how they got his number.
We block the number and they call from another number.
I have a lawyer and bankruptcy paperwork is in the final stages. I am on the back half of my loan so all interest has been paid.
Company is Flagship Financing..
|
| 06/12/2019 |
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
|
|
Web |
|
|
The debt is with flagship acceptance I had a auto loan with them few years ago which ended on XX/XX/2015 the debt was sold to XXXX XXXX XXXX, XXXX XXXX then sold the loan back to flagship this needs to be deleted from my credit report XXXX XXXX has been deleted but flagship is still showing i filed a complaint with XXXX they wrote me stating i need to contact them for the removal of this on my credit report its showing as negative when it should say deleted like it says for XXXX XXXX
|
| 05/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have tried to get Flagship Credit Acceptance to reset my online account so I can see what I owe and track my payments for 3 months and they continue to give me the run around saying they can not fix it. They call me and say the same thing over and over again. A Representative called me today and had me on the phone again during my work hours to accomplish nothing. It should not be this hard to reset an account so I can access it. This totally unacceptable and I am out of patience.
|
| 04/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In 2019 I open a car loan with flagship. The care was surrendered to them. This company sold the car for $ XXXX. The loan amount was for $ XXXX. They incorrectly report this account on transunion it says I owe $ XXXX and the loan is closed. On the other two it says open and the balance is $ XXXX. They refuse to update anything regarding this account. I then received a letter in the mail from a collection company stating the balance was $ XXXX. This is a clear violation of my rights
|
| 12/27/2018 |
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 |
Servicemember |
|
On XX/XX/2018 my credit report shows 2 hard inquiries. Both of these are fraud. Neither company can find my info in their systems or can they tell me where they got my info. Both companies say they will do nothing about it because they don't show it on their end. I assure you it's there. I am applying for a mortgage and these people are hurting my credit with all of these hard inquiries. The 2 companies are listed below.
Flagship Credit-XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX
|
| 09/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Three inquiries hit my credit report in the past week. I even locked my credit profile on all 3 Credit bureaus and the inquiries still managed to be pulled and put onto my report. This caused a major drop in my XXXX credit score ( over 50 points ). I need these 3 inquiries removed immediately. I have not authorized any such action to be done on my end. These are the three I need removed. These were reported to XXXX XXXX XXXX XX/XX/2020 FLAGSHIP CRE XX/XX/2020 XXXX/XXXX XX/XX/2020
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Hard inquiry reports Flagship credit acceptance- I spoke with someone from XXXX XXXX XXXX to refinance my car loan. I was told a had an excellent chance of approval and it will not affect my credit score. After going through the process, I was told they do not service my area. Few months later I see a hard inquiry for flagship credit acceptance from XXXX XXXX XXXX. Which knocked my credit score down.
XXXX I have know idea who this company is or why its on my credit report.
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Flagship has not resolved my concern. Flagship is required by California law to mail me the Notice of Intention to Dispose of Motor Vehicle, which based on the tracking number that Flagship provided in the " Notice of Intention to Dispose of Motor Vehicle '', that I am just seeing as of yesterday, XX/XX/2020, it was never delivered to my address. USPS tracking number XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX XXXX XXXX This is an alleged debt that I am not claiming.
|
| 09/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Hello, I have tried multiple times to pay the full balance of {$1200.00} off with the agreement of them removing the charge off my credit report. They agreed to settle for {$800.00} but wont take it off my credit. I have lost my family, my job and multiple family members due to this pandemic which started me falling behind in my final months of my auto lease.
My life has been ruined and they dont care.
I have filed a dispute regarding the natural disaster. Didnt work.
|
| 07/13/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I requested debt Validation from XXXX XXXX XXXX XXXX that represents Flagship Credit Acceptance and a debt they claim is mine. They sent me documentations that show inconsistencies with my name. My name is XXXX XXXX, but Flagship responded with my name as XXXX XXXX XXXX XXXX. That is not me or my name. I am asking Flagship to remove the derogatory account off my credit reports for all three bureau 's. I sent my request and proof that the debt does not belong to me.
|
| 01/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Flagship reports I paid late During XXXX, XXXX, XXXX and XXXX of XXXX and from XX/XX/XXXX through XXXX of XXXX in collections status. I had attempted on several occasions to make payment arrangements with lowered payment amount however they denied and continued to charge same amount plus late fees. The reason for my request was I was experiencing a financial hardship at that time as my daughter was in and out of hospitalization and experienced a loss in the family
|
| 10/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX - XX/XX/XXXX / XXXX, XXXX, XXXX - XX/XX/XXXX.
|
| 06/04/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
We have an auto loan with Credit Flagship Acceptance. The rate is very high. Our credit is not great, but they approved us for the loan. Our payments were on time for about 2 years now. We applied for refinancing through their sister company, carfinance.com and were not approved for an auto loan refinance. If the parent company accepted us, I do not think it is fair their sister company denied us just so they may keep collecting on a higher, unfair interest rate.
|
| 10/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have filed several disputes regarding my credit concerns, and inaccurate info that's on my credit report.. It appears that no one is willing to comply.. I have provided proof of letters I been sending out to correct all the matters and concerns I have.. There has not been any results of changes or compliance.. This has become a burden to me and my family.. I will like to see some results base solely upon my disputes and matters I'm having on my credit report.
|
| 09/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I called Flagship Credit Acceptance to request a payment due date change from the XXXX of the month to the XXXX to correlate with my payday. I was not accommodate and my car payment became past-due and I was charged {$900.00} in late fee .Also, The late payment was reported on my credit report. I was told the late fee would be push to the end of the loan and that has not happened. I have called several time regarding this matter and have not received any help.
|
| 10/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Payments and pay off amount have not been updated since XX/XX/2023. Therefore my credit score is not reflecting correctly and it cost me the purchase of my home! I have called numberous times, so did the lender and yet nothing no answers. Every time I call I get the same response I will get a call within an hour and no one has ever called back. I have email with no responses to the supervisor any attempt the company has failed to answer for the last 3 Months.
|
| 11/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
As of today XX/XX/XXXX, XXXX the current balance in my account is XXXX but Flagship credit Acceptance have not reported any payment to the credit bureau XXXX The credit report shows my balance to be {$13000.00} and this is inaccurate.
I filed a dispute with XXXX and flagship claimed to XXXX that what they have reported so far was accurate but to me they said they will get it fix but they have not.
My credit score is being affected by Flagship negligence.
|
| 02/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
|
| 08/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Today I received notification that Flagship reported my car note incorrectly on my Credit Bureaus. I have documentation showing that they have placed the payment on the back end of the loan. I was not aware that they would try to report this as a late on my credit report therefore the reporting is inaccurate. I have attached the signed letter of having the payments put on the back end of the loan. This has caused my credit score to decrease severely.
|
| 05/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
This vehicle was stolen on XX/XX/2019. I made a police report around XXXX XXXX I called my insurance company at XXXX XXXX and then again at XXXX XXXX and filed a claim. I received a packet of papers from my insurance company which I filled out and mailed them back in their addressed envelope on XX/XX/2019. I have copies of all supporting documents. I had full coverage insurance and gap insurance to cover my entire loan. This was not a repossession.
|
| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX is allowing the following six companies to report continues inquiries within my consumer report : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, flagship credit acceptance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies can not provide me with any signed documentation to support these false inquiries, I have provided my ftc report and other supporting documentation informing these companies these inquiries are a result of identity theft.
|
| 03/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XXXX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. They responding saying they do not have this information, and is still will not removing the inquiry. This company is NOT being complaint with the FCRA. This is a violation.
|
| 12/06/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company flagship put a debt on my acct which I consigned for with my brother the debt became charged off and closed and they are still holding this debt on my credit acct. I spoke with them before and they said they would remove it now they dont even answer for me so I havent spoke with them in over 8 months. The charge off was because transmission on the car went out and they said the warranty didnt cover it any longer so he stopped paying
|
| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Under the FCRA I'm entitled to a description of the nature and the purpose of these inquiries. Please provide me with the necessary information regarding inquiries within 30 days as stipulated by the FCRA. If you can not provide a legitimate reason for these inquiries, I request that they be removed from my credit report immediately. Failure to comply with this request will result in my pursuit of legal action to protect my rights under FCRA.
|
| 12/30/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. From XX/XX/2020 until present I have repeatedly communicated with FLAGSHIP CREDIT ACCEPTANCE sending letters in the mail and faxed my police report. Yet they still refuse to remove this fraudulent account # XXXX from my credit report. I have filled repeat identity theft disputes with all 3 of the credit reporting agencies being in XXXX of 2020 til present and yet they refused to remove this fraudulent account.
|
| 12/08/2018 |
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 |
|
|
ON XX/XX/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR. I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CREDIT WAS RAN EIGHT TTIMES. I WAS APPROVED THROUGH CXXXX XXXX BUT THREE LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIME WITHOUT MY CONSENT. THIS HAS DAMAGED MU CREDIT SCORE SOME MORE.
|
| 11/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Ive contacted Flagship credit acceptance several times asking them to update my balance on my credit. They say its no way for me to speak to credit department I have to email them so I emailed them and got no response. I put in XXXX disputes with XXXX and they keep coming back saying information is accurate when its not. My car was totaled out and my balance was updated months ago. My balance hasnt been updated since XXXX on my credit report
|
| 11/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Ive made additional principle payments that would not apply to my balance they would only credit it towards the next months bill. I have always paid my car payment on time and more then the normal amount and my balance at one point actually increased. When asked to give a completed payment history they would only give me the last few months. So I was unable to find the discrepancy and figure out him my balance increased and is not going down
|
| 09/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 04/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
FLAGSHIP CREDIT HAS BEEN DISPUTED WITH ALL 3 CREDIT AGENCIES FOR INCORRECT REPORTING, CREDITOR NOT VERIFYING AND VALIDATING THE DEBT, SHOWING ANY PROOF OF CONTRACT WHIT VIOLATES 15 USC 1681 CONSUMER REPORTING LAWS. THIS ACCOUNT NEEDS TO BE REMOVED FROM XXXX AND XXXX, AS XXXX HAS ALREADY REMOVED THE ACCOUNT. THERE IS NO SET CONTRACT WITH FLAGSHIP WHICH PROVES THAT THEY WERE NOT GIVEN PERMISSION TO REPORT AN ACCOUNT TO THE CREDIT AGENCIES.
|
| 07/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
|
| 09/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Flagship credit has listed wrong information on credit reports. Car was totaled in XXXX. Never heard from company over any balance. In XXXX they list a balance they say I owe on credit report. Loan is over 9 years old and they are reporting it like its a new loan. Dates ate inaccurate and I want it removed. I contacted them and now they put it from a open to closed loan but its still showing on credit report with inaccurate information
|
| 07/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
Because of COVID, and my job being 100 % Commission, I fell behind 2 payments, but was in contact with Flagship the entire time. They assured me that due to COVID, it would not effect my credit. I paid the car off and my credit score dropped 100 points. When I called Flagship, they assured me it would take care of itself the next month ... .IT DID NOT. I would like my credit score fixed, please, and this taken care of.
Thank you, XXXX
|
| 01/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX XXXX and XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/2016.
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 02/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2021 there was four inquiry on my credit report from the companies listed : Flagship Credit acceptance, XXXX XXXX auto finance ( finance ), XXXX XXXX ( finance ), XXXX XXXXXXXX XXXX that i do not recognize. I have dispute them with the companies and also XXXX, XXXX, and XXXX has verified and remove the inquiries from credit report but XXXX and XXXX will not remove them. Even though i have put a fraud alert on all 3 accounts.
|
| 06/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had a vehicle loan from XXXX XXXX XXXX. The vehicle was involved in a flood. The vehicle was totaled by the insurance company. I was fully covered including GAP insurance. The GAP insurance paid the loan in total. XXXX placed two late payments on my credit report. I have disputed with the company and through the major credit bureaus. I have been unable to have the information removed. I never had any late payments on this vehicle.
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 section 602 states I have the right to privacy.
15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 09/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In Accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 USC 601 section 602. States I have the right to Privacy. 15 USC 1681 section 604 a section 2. it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 09/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from XXXX XXXX XXXX on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. XXXX XXXX XXXX violated federal law. see 15 USC 1681b A2. I did not give XXXX XXXX XXXX Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.
|
| 02/04/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Flagship Credit Acceptance is not withdrawing money to pay my auto loan and they keep sending non payment emails to me. I have checked with my bank ( XXXX ) and they have had no request from Flagship to withdraw the money.
Flagship will also send me confirmation that money has been received but it was never removed from my account.
I have been trying to pay off the loan in full and receive the title but have been unsuccessful.
|
| 08/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 S section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 section 602 States that I have the right to privacy.
15 USC 1681 section 604 A Section 2 : It also states a consumer Reporting agency can not Furnish A account without my written Instructions.
15 USC 1666B : A creditor May not treat a payment On a credit card account Under an open end consumer credit Plan as late For purpose.
|
| 12/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Account was closed keeps re appearing, account has been re-aged. I have already paid a company for the balance which they " Flagship Acceptance '' advised that I was scammed and still owe them. Called multiple times, agents are rude and hangup. This is continuously hurting my credit score. This account has dropped off my credit and then it re appears on my credit report dropping my credit scores. Need help, please. Thank you
|
| 02/08/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have been contacted multiple times via Phone and email during work hours after instructing many times to not call me during business hours. I have been contacted from XXXX through XXXX by this company who has no regard when people are working. I no longer have the car, have advised more than once that the car has been traded in, only to be harassed via email and constant calls through out the day by this horrible business.
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting Act XXXX XXXXt # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
|
| 03/20/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are three hard inquiries I dont recognize on my credit report through XXXX.
XX/XX/2019 XXXX XXXX XX/XX/2019 Flagship Acce XX/XX/2019 XXXX XXXX XXXX XXXX has not been helpful and refuse to remove the inquiry even though I reported that it was fraud because it wasnt me. I contacted the creditors and they have given me the runaround and referred me back to XXXX. I just want these fraud inquiries off my credit report.
|
| 04/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card under any open end consumer credit plan as late for any purpose.
|
| 01/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
This account is reporting fradulently and incorrectly. I have requested that Flagship furish documentation, proof of ownership, however they did not furnish documentation to prove that this account belongs to me. I was XXXX XXXX at the time of this purchase.
I have file the FTC report and provided it to the creditor with no result.
Please have them remove this incorrect and fraudulent information from my account.
|
| 01/16/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My information was leaked in an XXXX data breach which was confirmed by XXXX XXXX XXXX I have disputed this account several times requesting validation of account which the creditor refuses to provide proper documentation. The account is incorrectly being reported as a charge off account with a balance due which is a FCRA violation! The XXXX data breach confirmarion numver is : XXXX and the FTC report XXXX is : XXXX
|
| 01/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XX/XX/2022. THREE ( XXXX ) INQUIRIES WHERE MADE ON MY CREDIT ( XXXX ) ON THE STATE OF FLORIDA. I DO NOT RECOGNIZE THIS INQUIRIES. I DID NOT AUTHORIZE THIS INQUIRIES. I DON'T LIVE IN THE STATE OF FLORIDA NOR HAVE TRAVEL TO FLORIDA. THE THREE ( 3 ) INQUIRIES ARE FOR AUTO LOANS. ( XXXX ) XXXX XXXX ( XXXX ), ( XXXX ) XXXX XXXX XXXX, ( XXXX ) FLAGSHIP CREDIT. I CONTACTED XXXX AND A HOLD WAS PLACED ON MY INQUIRIES.
|
| 05/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution.
The inquiry was placed XX/XX/2017 2017
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act my rights have been violated- 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instuctions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
|
| 01/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
After learning that my rights as a consumer were violated in several ways. I rescinded my contract with Flagship Credit acceptance, I noted that I required a remedy for the furnishing of a deceptive and fraudulent contract and other violations according to Law. The notarized affidavit I sent to them on XX/XX/2023. Without a response to my affidavit to Flagship credit acceptance, my car was repossessed XX/XX/2023.
|
| 02/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I gave XXXX XXXX in XXXX Ga permission to run my credit ONE ( 1 ) time for auto financing on either XX/XX/2018 or XX/XX/2018. I can not remember the specific date. I went inside the dealership and this occurred between XXXX and XXXX EST. Instead of running my credit once through one lender, they did it with 6 different lenders, without my permission. I have 6 hard inquiries that I did not consent to in one day!
|
| 01/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Flagship Credit Acceptance has lost/stolen two payments and charges late fees. They make collection calls at XXXX XXXX. and XXXX XXXX.. They even make calls at XXXX XXXX and when I call back the machine says they are closed and to call back during working hours.
I talked to a supervisor today at XXXX XXXX mountain time XX/XX/2022. The checks have been sent via bill pay they are check numbers XXXX and XXXX.
|
| 09/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
The loan is extremely high. The interest-rate is also extremely high, and they harassed me after one day of being late and they dont start calling until its paid it doesnt matter if its one hour late or one daily they harass me until I pay which is unethical and harassment to the 10th degree o am Upset with the company on top of that. There are a bunch of things wrong with the car that they dont want to fix
|
| 02/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
When I filed for bankruptcy, my lawyer included my car loan in the bankruptcy against my directions. The loan was paid in full. I have the title and the letter from the bank that states these facts. I have filed a dispute with XXXX and they still have not changed the info on my credit report. This is very, very unfair. I paid the loan off either on time or maybe 1 month late. I am not sure. Please Help!
|
| 01/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. FLAGSHIP CREDIT ACCEPTAN Inquiry : XXXX XXXX, 2020, XXXX XXXX Inquiry : XXXX XXXX, 2020, XXXX XXXX Inquiry : XXXX XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
|
| 07/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Flagshipcrdt obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull my credit report.
|
| 06/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX sharing my credit information to unapproved/unknown lender and they make hard enquiry without my approval. I dont know flagship credit acceptance, they got my information through XXXX XXXX make hard enquiry which affected my credit score and I want my score to be reverted. The enquiry is unlawful and it hurt me so much.
Please I want necessary action to be taking to revert my score.
Thanks
|
| 08/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Flagship credit what a joke lost my job asked for assistance was denied told repossession would not happen until 60-90 days out, now the problem I have is I have scheduled a payment which constitutes an arrangement everyone is beyond rude I am fed up with the treatment I am debating on bankruptcy due their treatment I should not have refinanced my loan with Flagship, XXXX never treated me this way.
|
| 02/09/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I traded the XXXX XXXX XXXX that was being finance with XXXX XXXX XXXX on XX/XX/XXXX. The pay-off amount of {$28000.00} has been received by XXXX which " {$0.00} '' my account out. They are showing a payment for {$XXXX} for the date that my old loan would have been due XX/XX/XXXX.
Due to the fact they have been paid and received the told pay-off, this account should completely close and zero out!
|
| 11/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I went to XXXX of XXXX in Ohio. I was interested in a vehicle they had there. When it came down to buying a vehicle I told them to run my credit one time to see if I could get approved if I could n't get approved from that one time pull then I was n't interested. So instead they sent it to 5 different companies to pull without my permission. I would like these taken of asap. I did n't authorize it.
|
| 07/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Flagship Credit Acceptance has received years of payments and has not reported them. When I called they said they had no history of an account for me. However they continue to report derogatory information on my report. I am not sure where the money went so I stopped paying it but at this point I will like it to reflect my payment and remove the negative information. I have proof of payments also.
|
| 01/18/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I wasn't able to work due to the pandemic and when the benefit payments stopped I couldn't continue to make payments on the car loan and the Loan Company came to repossess my car. Now I don't have the car to work even when I get work and I am liable to still pay for the car. It's just not faceable and I believe this financial company have been unreasonable putting me in a very difficult situation.
|
| 08/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Flagship Credit started recently started reporting a collection account on my credit report. Prior to this account appearing on my credit report, I never received a notice of my right to dispute this account. By failing to provide the notice of right to dispute, prior to reporting this account on my credit report, Flagship Credit has violated my rights under the Fair Debt Collection Practices Act.
|
| 03/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
In 1974 I refinanced my auto with Flagship credit acceptance LLC I had no problem until car was totaled all perfect payments. When the car was totaled my insurance sent them a XXXX check and I had gap insurance with Flagship LLC they took three months to decide not to pay the total amount. So then the company is still reporting me as late which is untrue. I have paid them in full as requested?
|
| 11/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
i have hard inquiries on my credit report from companies that i did not give authorization to i did et an email about XXXX data breach and that i was affected and now i jus want the credit inquries off 15 us code 1681c-2 i have no knowledge of these accounts and thats were a result from identy theft and they should be removed no later than 4 business days per this code mentioned in this email
|
| 11/10/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FLAGSHIP CREDIT ACCEPT. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
|
| 01/08/2023 |
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 |
Older American |
|
Over the past Three years, I have trying to get this information removed from my report at XXXX. I have made over 10 complaints ' with CFPB that XXXX only updates the incorrect information instead delete it as XXXX did after investigations of the matter. I am Demand them to Delete the account it has been over seven years of incorrect information. They have stretched the law for seven years
|
| 04/09/2021 |
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 |
|
|
XXXX XXXX XXXX Flagship XXXX XXXX has been adding a collections to my credit report that I have provided proof to not belonging to myself, but belonging to my ex husband. I have not and am not involved with him or his responsibilities and the credit reporting agencies have failed to update my report based on the repetitive reporting from flagship I have a court order also reflecting that.
|
| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
From XX/XX/XXXX- XX/XX/XXXX I went to a Dealership called XXXX automotive group at this location when they filed for me to lease a car they put XXXX hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.
|
| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act, XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 06/22/2023 |
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 |
|
|
I have inquiries that I dont recognize and I call the company and when I speak to a customer service they said someone is going to get back to me and they never do Name of the company is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All this company run my credit the same day I dont recognize them and the day was XX/XX/2021
|
| 03/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The same creditor that reported erroneously has reported the same late payment that was previously removed last month. Ive paid every month since then and they are ruining my credit. They have reported me being late in XXXX AND XXXX OF 2020 once again and I wasnt! Ive already sent documentation validating this! Im going to consult with an attorney at this point. This is harassment!
|
| 11/01/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I have repeatedly asked XXXX XXXX and XXXX to dispute the validity of this account but this creditor ( Flagship Credit ) formally ( XXXX ) says that its my loan. Ive stressed many times that this does n't belong to me and have asked for loan documentation and a letter of validation to only be told it was sent and it cant be sent again, I ask where was it sent to and they cant say.
|
| 06/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I no longer own the vehicle and was given permission to return the car with no hassle. The vehicle debt was suppose to be paid to a XXXX balance once I voluntarily surrendered the vehicle. The account is reporting that I have a balance and that is inaccurate.
This happened around XX/XX/2018. They are still till this day trying to offer settlements for something I no longer owe.
|
| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
From XX/XX/XXXX- XX/XX/XXXX I went to a Dealership called XXXX XXXX XXXX at this location when they filed for me to lease a car they put XXXX hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.
|
| 01/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
During the Covid-19 pandemic I was furlough on my job went back to work a few months ago and my vehicle I purchased XX/XX/XXXX I have been making payments on the vehicle was repossessed on XX/XX/XXXX I just made a payment on XX/XX/XXXX had a arrangement for next payment to be withdrawn from my personal bank account two weeks later but instead they repossessed the car I need help
|
| 06/14/2023 |
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 |
|
|
I have unauthorized credit checks that have been reported on my account without my knowledge or consent of running an inquiry, I believe I have been a victim of identity theft.
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX ) FLAGSHIP CREDIT ACCEPTANCE ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) I did not authorize or give permission for this credit pull for any reason.
|
| 03/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I filed disputes on several different dates for XXXX XXXX, Flagship, and XXXX XXXX card. These items were removed once before and now they reappeared on my report. Items are incorrect and talked to XXXX and they stated they will be removed again. Now items are keep updating to the current date. Items should have been removed and they are bringing my scores down tremendously.
|
| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.
|
| 01/17/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Per the FCRA as a federally protected consumer. Im now opting out of any authorization that I may have given you in writing or non written verbal and nonverbal per 16 CFR 313.7 in conjunction with 15 USC 6802.And the Privacy Act of 1974. To report any of my private information to any third party non affiliated. Including all credit reporting agencies and credit furnishers.
|
| 03/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
These Hard Inquiries on my XXXX report I do not recognize nor did I give my consent for. Dated XX/XX/XXXX from Flagship Credit Acceptance and XXXX XXXX. I only have knowledge of XXXX XXXX XXXX XXXX. Also their is a Hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX that I do not recognize as I know that I was out of town and not inquiring about an Auto loan on XX/XX/XXXX.
|
| 11/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
This Company accessed my credit files with XXXX and XXXX on XXXX XXXX, 2016. I have written to the company requesting documentation supporting permissible purpose for these inquiries, as well as the Credit Reporting Agencies involved. Neither have produced any documentation to support permissible purpose. Accordingly, these inquiries should be removed from my credit files.
|
| 12/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I AM A CONSUMER. This account is reporting fraudulently on my credit report. This company never sent me a XXXX cancellation of debt form for this account which is against consumer law. I want this account to be removed immediately as I will send an affidavit to all parties involved if its not removed. This account is causing me stress, damage, Defamation, and anxiety.
|
| 11/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Purchased XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XX/XX/XXXX with my score was XXXX Flagship Credit Acceptance LLC got me paying {$570.00} WITH NO CHANCE OF REFINANCE or lowering my XXXXXXXX XXXX XXXX interest. After I had a XXXX XXXX XXXX from XXXX XXXX XXXX ( no money down ) for $ XXXX month that was never approved for XXXX months because I'm XXXX XXXX
|
| 01/31/2023 |
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 |
|
|
XX/XX/2021 Flagship Acceptance made a hard inquiry on my report. That I never authorized and I do not have an account with this company. I asked them to investigate the matter and they stated they needed further information and proof that I notified consumer financial protection bureau. However, they did say they could not find my account and needed further details.
|
| 09/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I had a car that was a total loss. I had XXXX XXXX insurance I cant get in contact with them. Flagship credit acceptance is saying I owe XXXX. They say they sent everything the police report over to XXXX XXXX But I still have that balance. This made my credit score drop XXXX points. I spoke with someone at flagship they told me my account was closed XX/XX/2020.
|
| 04/06/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Flagship and I have had a disputed over who owned a car that Flagship states I and was under contract with Flagship.
Flagship wrote in 3 complaints made to the agency the car would be removed from my credit however it has remained on my credit and has affected it negatively. I have since file suit for the car however my car is still being affected by Flaggship.
|
| 01/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XX/XX/2023 FLAGSHIPCRDT- XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 FLAGSHIP CREDIT ACCE- XX/XX/2023 XXXX XXXX XXXXXX/XX/2023 I have reached out to all of the companies listed above and advised them i have not applied for any credit and advised it XXXX have been fraudulently applied for they have all refused to remove these inquiries off my credit profile.
|
| 04/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
I sent a check for roughly the amount of {$18000.00}. This check is from XXXX XXXX to refinance and paid to flagship credit. XXXX XXXX has confirmed flagship has gotten the check and deposited it. Flagship is now refusing to give me my title and has no history of the check even though XXXX XXXX confirmed and sent me proof it was submitted and deposited by them
|
| 07/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
I received a hard credit pull on my credit report by the company Flagship Credit Acceptance. I never gave my consent for this to happen. I tried to call the company, but could not get through to them over the phone. When calling, they do not give an option to speak to a representative without providing an account number, which I do not have with that company.
|
| 01/22/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
i submitted payment to my auto finance company, they never presented it to my bank, but they told me it failed, to go through, not nsf, but failed, i had the funds available in my account on XX/XX/2016, they never attempted to collect so that they could continue to collect daily interest!! in turn when i submitted my next payment, it went 100 % to interest!!
|
| 03/02/2021 |
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 |
|
|
Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. The Fair Credit Reporting Act states that any Infor motion that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries
|
| 01/28/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
I spoke with XXXX XXXX which at the time I was told they were putting notes in my file about contacting me. I have gotten numerous call in a single day over 4 each day and I also received a call on Sunday XX/XX/2019 at XXXX. Which I have read they are not allowed to call after XXXX. This company already has a class action against them for this very reason.
|
| 08/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
As you can see from attachment monthly statement, I am {$23.00} ahead in my payments with the next monthly installment due XX/XX/21 in the amount of {$420.00}. Now, as of XX/XX/21, my account says that I am {$95.00} past due and new total of {$320.00} is due on XX/XX/21. How can a past due amount reduce an amount that isnt due yet. This is outright FRAUD!
|
| 12/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In XX/XX/2019 Flagship Credit Acce added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, Flagship Credit Acce has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
|
| 01/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
Flagship credit acceptance rep XXXX contacted a reference on my account and provided detailed information on amount I was past due and provided information about my account which included a statement I need to turn that vehicle in by XXXX or there going to take legal action. I also have a voicemail that was left on a reference with the same information.
|
| 01/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - 30 Day Late XX/XX/XXXX - 30 Day Late ; XXXX/XX/XX/XXXX XX/XX/XXXX 60 day late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 09/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Despite repeatedly requesting monthly statements for the duration of my loan, I have yet to receive them, neither in paperless form nor by mail. Furthermore, since 2021, I've asked for any additional payments to be applied to the principal. However, I've neither received confirmation of this being done nor obtained statements to verify its completion.
|
| 04/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I have a 2nd job to pay my bills and due to the COVID 19 my income has been drastically reduced. I am asking for a deferred payment to the back of the loan. the servicer flagship cr acceptance is wanting to charge me during the non pay of interest. this is highway robbery. taking advantage of the situation. I am so upset right now. I can barely think.
|
| 07/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I've noticed a few inquiries from companies that I have no knowledge of. I currently won a judgment from a creditor. Because they allowed someone to purchase a vehicle under my name without the proper identification. I've called both the bureaus and reporting companies. Nobody seems to want to follow up with this even after providing them documents.
|
| 05/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
XXXX File Number XXXX XX/XX/2018 XXXX has under Club & Subscription Activity XXXX XXXX XXXX on my file I have never applied or sign or ask or requested anything from XXXX XXXX XXXX XXXX needs to stop placing selling and having XXXX XXXX XXXX all over my credit file that I not applied or requested or sign giving permission for anything XXXX XXXX XXXX
|
| 04/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have made reports for the police in XXXX when purse was taken in which contained documents with my information and i got a letter from a pervious employer in XXXX that my information had been compromised. There are reports of places I never lived in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ms XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX
|
| 12/23/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Multiple calls daily from lender even you are only a day late ( XXXX calls a day ) robo calls and hangups as well. They do not report to credit correctly as required and agreed in the contract. Predatory lending they target low income and minority. They hold payments past the due date and do not apply to the account so they can collect a late fee.
|
| 09/07/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
My lender has not reported accurate information to the credit bureaus since XXXX/XXXX/2016, they are still showing i have a balance outstanding even though i have paid in full since XXXX/XXXX/2016. This caused me to be denied credit and denied a mortgage since my potential lender was showing a balance owing making my debt to income ratio wrong.
|
| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX I went to a Dealership at this location when they filed for me to lease a car they put XXXX hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.
|
| 08/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Tried contacting, no luck. No help with customer service. Need this taken off credit report. Flagship credit acceptance XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016 XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX,2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016
|
| 05/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I sent an email to Flagship auto regarding my loan with them on XX/XX/28 after calling repeatedly. My partner and I XXXX XXXX and i was out of work and needed to make a payment arrangement before my payment came due. My email went ignored and my payment was reported late. I think its completely unfair considering I couldnt reach them at all
|
| 03/04/2019 |
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 |
|
|
My car company has not reported my payments since 2017. I have made 3 on time and one principle payment on the account and the balance on my report and their website does not decrease at all it has even gon up. I have requested an amortization report and have still yet to receive it or any explanation as to why my balance is not going down
|
| 07/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
Went in XXXX 2016 applied for vehicle loan, left with vehicle dealership needed more information a week later gave in mean time received a denial letter from finance company and as of yet still have n't received any information from finance company to pay my loan was told from dealership on XXXX XXXX 2016 everything was finally worked out
|
| 04/12/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have been trying to call Flagship for two days. I called XXXX and they transfer me to XXXX which no one answers. On XXXX XXXX, 2016, I was on the phone on hold from XXXX to XXXX XXXX EST. I was not able to talk to a representative. I want to talk to a representative to negotiate a payoff of my account so I can re-establish my credit.
|
| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX I purchased a new vehicle from XXXX XXXX of XXXX, the dealership was supposed to pay off the account in totality for my XXXX XXXX XXXX and they did in the amount of {$13000.00}. The account Flagship Credit Acceptance is still reporting to my credit and I do not understand why it does not say paid off as of 2 years ago.
|
| 08/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Older American |
|
charge off Profit/Loss write off ... still reporting a balance due. Different DOLA dates, date of last reported, date last active, date opened. Inaccurate data reported, requested A debt validation have not recieved, told debt collector agency send debt validation FCRA violations are subject to {$1000.00} per violation payable to me.
|
| 11/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Flagship Credit Acceptance is mistakenly reporting this account as part of my Bankruptcy which is completely false. This account was never part of the bankruptcy. In fact, this account was paid in full as shown in the attachment. Please delete the bankruptcy negative remarks that is attached to this account or delete this tradeline.
|
| 03/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
My car was totaled in an accident. The other drivers insurance paid for the car and my gap insurance paid in full. I am receiving on my credit report and amount of {XXXX} that can not be explained to me. The car was totaled and was pay off by the other drivers insurance. This occurred in 2016 and now this is appearing on my credit.
|
| 11/17/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
|
| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XX/XX/2023 flagship credit acceptance and XXXX XXXX tan my credit. I was on XXXX XXXX thinking about refinancing and I never submitted my application after a refinance company reached out to me and I told them I wasnt ready to do anything that I didnt want to have my credit ran and they did it anyway I would like to dispute this
|
| 03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On or about XX/XX/2020 i was searching internet to check rates on auto refinancing checked XXXX XXXX XXXX they asked to put basic info and last 4 digits of social security i did not apply for credit just checking to my surprise there was a hard credit inquiry on my credit score profile from Flagship Credit please help Thank You.
|
| 09/19/2020 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Flagship Credit Acceptance did not adhere to my requested invoice/remedies. I resent documentation giving them an opportunity to cure this invoice yet again. I am federally protected consumer and Flagship Credit Acceptance has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
|
| 10/02/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
On XXXX XXXX I received a call approximately XXXX XXXX EST as a former collection rep I know that thus was in direct violation of my FDCPA, Ive reached out to the company on several occasions but nothing has been done. Also as a direct violation the company is suppose to issue a {$2500.00} remediation amount for each violation
|
| 05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There was an inquiry made on all 3 of my credit reports ( XXXX, XXXX, XXXX ), on XX/XX/2021, that I did not authorize or have knowledge of. I have never even heard of the company. I contacted Flagship Credit and they refused to look into it or even dispute it. I am requesting to have this inquiry removed from my credit report.
|
| 07/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.
|
| 10/15/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I noticed this company reporting a debt on my credit report. I don't know who this company is or even engaging in any business with them. I asked them to verify who they are, which contract I signed for what good or service which they provided to me and dates. They have yet to send me any valid information or method of such.
|
| 10/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I contacted XXXX XXXX and XXXX to have three different items remove d because they are inaccurate and two are false information by the company. They have failed to do so and I've sent countless letters stating they weren't mine and they were inaccurate and they could removed. But they are still remaining on my credit report.
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I have not recieved any verification that this was of my doing. I did not authorize these inquires nor signed documentation to have credit report pulled and it has been over 90 days. laws in 15 USC 1692 have been violated by the company 's actions and i request you to remove these hard inquires from all bureaus immediately.
|
| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I noticed unauthorizedbard inquiries on my credit report that I would like removed. According to FCRA, these unverified and unauthorized items must be removed. I never authorized these companies to run my credit, it's fraudulent. There is no information on account numbers because they are not linked to any open accounts.
|
| 07/21/2019 |
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
|
|
Web |
|
|
RE : FLAGSHIP CREDIT ACCEPTAN XXXX. XXXX XXXX XXXX, TX XXXX XXXX : TO REMOVE INACCURATE INFORMATION ON MY CREDIT REPORT TO WHOM IT MAY CONCERN : I OBTAIN A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING TO BE AN ERROR.
HERE AS FOLLOWS ARE THE ITEM IN ERROR : CREDITOR NAME : FLAGSHIP CREDIT ACCEPTAN DATE : XX/XX/2018
|
| 09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.
|
| 09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.
|
| 09/22/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have no business with Flagship Credit Acceptance acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights.
15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions
|
| 12/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Dates XXXX XX/XX/2020... Several inquiries were reported and placed on credit report without knowledge to the consumer that credit checks were being acquired. None of these inquiries resulted in established open accounts. Requests to have these inquires removed have been ignored by the companies and credit bureaus
|
| 03/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Called Flagship Credit Acceptance regarding lowering payment due to hardship of no job. Was told several times they don't lower payments. They constantly call me every day sometimes 4-5 times from different numbers seven days a week.
States that until I am current they will continue to call even if one day late.
|
| 09/02/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am not familiar with this account. I have contacted FLAGSHIP CREDIT concerning this account my letter was delivered on XX/XX/XXXX the tracking number is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
|
| 09/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX breached my rights to privacy by gaining access to my credit report without my permission. this caused me to have a hard inquiry on my credit report causing my credit score to decrease. A violation of 15usc 1681n made by your company.
|
| 08/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX is reporting this debt on my consumer report. The information that is being furnished to the consumer reporting agencies is incorrect. I have submitted my state ID and a copy of my social security card to the consumer reporting agencies and they are still relying on and furnishing incorrect information.
|
| 12/20/2021 |
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 |
|
|
Spoke to a customer service representative on XX/XX/XXXX about removing hard inquiries that were unauthorized/put on my account without my knowledge or permission. They argued they cant remove it. Not satisfied as a customer as they should be willing to remove inquiries that the consumer knows nothing about.
|
| 03/26/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX AND THE ORGINIAL CREDITOR WERE BOTH LISTED ON MY CREDIT REPORTS FOR THE SAME ACCOUNT.
XXXX XXXX XXXX XXXX XXXX CHANGED THEIR STATUS TO " IN XXXX OFF '' AND CHANGED THE DATE OF ACCOUNT CLOSURE TO XX/XX/2015 THE ACCOUNT DATE AND AMOUNT IS NOT CORRECT ON CREDIT REPORTS ; XXXX, XXXX AND XXXX.
|
| 09/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
This company has a fraudulent inquiry reporting on my credit file and I have called the company several times only to be left on hold or someone acts as if they will help me and then the phone mysteriously disconnects. All I want is a fair investigation as described in the Federal Fair Credit Reporting Act.
|
| 03/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This account was paid in full on XX/XX/2018 ( acct XXXX ) to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX. I received an alert from my credit reporting agency that XXXX has reported it 30 days late even though it has a " XXXX '' balance. This reporting inaccuracy has caused my credit score to drop by 22 points!
|
| 10/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
There is an inquiry on my report that i did not authorize nor was credit granted. i submitted a letter to the bureau 's to investigate and to show me how they got their information because I never granted anyone permission to do so. there was no response. The inquiry is still on my report.
XXXX XXXX XXXX
|
| 04/26/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Flagship Credit Acceptance reported to the three major reporting agencies without consent. There's no signature or any contract in place that authorized them to report to the reporting agencies. It's not mentioned in anywhere in the contract, and I did not authorize them to report anything on my behalf.
|
| 10/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Flagship Credit Acceptance reported in XX/XX/XXXX that my account is 30 days past due. When in fact, I sold the car to XXXX and payment was received to them by XX/XX/XXXX and account was paid off. I disputed the information twice as incorrect and they continue leave the account reported as Open, Late.
|
| 08/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with FLAGSHIP CRD, XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FLAGSHIP CRD, XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
|
| 10/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have found out there are some hard inquiries on my credit report that I do not have knowledge about. The dates for this actins taken was on XX/XX/2020 and the company names are Flagship Cree, and XXXX XXXX. I tried getting in contact with these two companies but still havent heard anything from them.
|
| 01/09/2019 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
XXXX XXXX contracts multiple family members not listed as references about a debt owed. Violating the FCPA because they knew my obsessing number and address, as I had talked to them just days before they contacted my relatives. they stated the reason they did so was because my voicemail inbox was full.
|
| 02/27/2017 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Flagship Credit acceptance, XXXX XXXX, left a message on my phone for one of my employees threatening to take legal action through our Judge Advocate General 's Office. I am under the impression that creditors are not allowed to contact an employer to discuss a loan or to make threats of legal action.
|
| 07/19/2023 |
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 |
|
|
I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
|
| 11/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
these companies are coming up on my credit report as a hard inquiries.
I never had any communication with these companies. I would like some help reaching out to theme I've tried numerous time to get in touch and haven't had any luck. All these companies show the same month and very close dates.
|
| 09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2020 Flagship Credit Acceptance falsely reported an {$86.00} balance increase on my credit report causing my credit score to drop 62 points. This is after me asking them several months in a row to change my payment due date from the XXXX to the XXXX of each month and them not doing it.
|
| 11/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Flagship Credit is reporting a debt on my credit file that I do not owe. I refinanced this account back in 2016 to XXXX XXXX. They are reporting a past due balance along with lates. I was never late on this account. Flagship credit is in violation of FCRA. and needs to report correctly.
|
| 07/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX, 2022 I disputed a charge off due to inaccurate information, in which ( Flagship Credit Accept ) reported different account types, status dates, original balances, and terms to XXXX, XXXX, and XXXX and due to these violations, the account needs to be removed from my credit report!
|
| 09/21/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I called the company to make a payment, which included late fees.
The late fees were not removed and I was billed for the again. {$280.00}.
I have since made an additional payment for the regular loan payment amount. I am billed again for the late fees which have already been paid.
|
| 09/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
Throughout the life of the loan they have been either applied all of my payments or a majority of the payments to interest and not the principal therefore creating an excessive interest amount collection for the life of the loan and not what the contracts states I would be charged
|
| 10/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I was purchasing a car at XXXX XXXX XXXX for a cash price, after the full price cash purchase was completed I started getting letters in the mail stating I was looking to finance a car. which is not true I purchased the car cash. I did not give permission for my credit to be used.
|
| 03/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX made inquiries on my report on XX/XX/2022 when asked too produce how they obtained my information or signature too run my credit they could not yet they made an inquiry on my credit report and violated FCRA 611 and fails too provide me with FCRA 611 ( a ) ( 7 ).
|
| 10/03/2021 |
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 |
|
|
Submitted multiple disputes with all three credit reporting agencies account was verified as accurate. This accounts was to be removed from all my credit reports back in XXXX it is past the 7 year statute reporting period. I have evidence account date was illegally re- aged.
|
| 03/30/2023 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
The company has been calling relatives and others regarding this debt. In early XXXX, around the XXXX, they contacted a cousin who lives in another state and who was not listed in the contract as a reference to my knowledge. They've also repeatedly called other relatives.
|
| 01/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Please remove my inquiries. I applied for a car loan and they ran my credit to 19 different places to get me approved for a loan and told me they were only running it for one place. Now I have numerous hard inquiries I need removed. Its making my credit bad please remove.
|
| 01/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I spoke with a repersentive at XXXX to report a numerous amount of hard inquires that Im unaware of. They refuse to remove the inquires and directed me to the creditors in which theyve also denied my request to remove them. It was bacially like a back and forth situation.
|
| 10/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I contacted the company on XX/XX/2020 and sfvised them that all three credit agencies XXXX, XXXX XXXX and XXXX were all reflecting this as an open loan that was paid off in XXXX - XX/XX/2020 and they should update their file. However, they refused and told me to do so.
|
| 09/06/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
FLAGSHIP CREDIT ACCEPTANCE IS STILL REPORTING AN INACCURATE CAR THAT WAS FALSELY PUT IN MY NAME WITHOUT MY KNOWLEDGE!!! THE COMPANY WHO LET THIS HAPPENED IS NO LONGER IN SERVICE! THEY WERE SHUT DOWN FOR ILLEGALLY PUTTING CAR NAMES IN OTHER PROPLE NAMES WITHOUT CONSENT!
|
| 01/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
The loan was paid off XX/XX/XXXX and they reported it XX/XX/XXXX 30 days late for XXXX dollars that caused my score to be effected they also still show I owe a balance and the loan was paid off when I traded the car in. This is not right and they wont update my credit
|
| 03/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Flagship credit acceptance performed a hard credit inquiry without my authorization on XX/XX/2021. I tried calling the phone number provided by the alert I received number was invalid. I filed a dispute for the hard inquiry thru XXXX also put a freeze on my account.
|
| 05/09/2018 |
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 |
|
|
XXXX XXXX is showing on Supplemental Public Records & Residential Information is showing I did not apply or sign any documents applying for credit in any way as showing on my credit File Number XXXX XX/XX/XXXX I opt out in XX/XX/XXXXon promotional and information.
|
| 11/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
Servicemember |
|
I have been writing these companies trying to get these unauthorized inquiries off of my credit report..I did not apply for credit with these companies. I have written them several letters asking them to remove these inquiries, but they have repeatedly told me no..
|
| 08/14/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
Violation of FCRA delete this account immediately. Inaccurate data reported. Account profit/Loss write off. still updating last date of activity. should have a XXXX balance, with a Charge off Profit/Loss Reporting to XXXX and XXXX different dates of DOLA, etc..
|
| 06/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items in dispute To remove all INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score
|
| 06/15/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I'm looking over the document and that's not my signature I don't know what scam was done but I don't like it and this is a lesson learned too never do business with crooked bank like this in my life I know something wasn't right but couldn't put my finger on it
|
| 10/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have disputed this to try to get it corrected and nothing was ever done. There is an account Flagship Credit Accept showing I owe a balance of XXXX which is not right. Insurance paid off this loan. Please help assist me to get this removed as it is inaccurate
|
| 01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
|
| 10/19/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
i had a car and it put me down and they wouldnt fixed it and plus the state of Missouri has a lemon law that they didnt abide by so they still had my car and because of covid i couldnt get it fixed and my report shows charge-off and they violated the FCRA laws
|
| 10/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I am writing to formally report and document a case of identity theft involving fraudulent inquiries on my credit report. I have recently discovered unauthorized credit inquiries on my credit report, and I believe that I have fallen victim to identity theft.
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
I went to get a car from XXXX and ran my credit a total of 30 times, I have them {$2000.00} in cash as a down payment. Three days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan.
|
| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
There is an unauthorized Hard inquiry on my report dated XX/XX/2022.
I demand under FCRA Sec 604 : XXXX. Permissible Purpose XXXX. My written Authorization XXXX. Proof that I personally initiated this Inquiry.
There has been no Response since XX/XX/2022.
|
| 10/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
Hello, I bought my vehicle in XXXX and XXXX XXXX XXXX XXXX Colorado never sent in my paperwork to my lender so i have no idea where my title is. XXXX XXXX XXXX is now shut down and no one is there to help me or many others that are in this same situation.
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My information might have been impacted by the XXXX data breach and may have got into the wrong hands. I have applied for a car back in XXXX of 2022 through XXXX XXXX " only '' and now I have multiple hard inquiries on my XXXX, XXXX and XXXX credit report
|
| 05/16/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Was a victim if fraud in our bank account and due to that had a returned payment. Left messages for the account manager and sent emails and no ine has gotten back to me. Everytime i call in they just tell me to pay in full or my car will be repossessed.
|
| 06/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Flagship Credit is reporting a late for XX/XX/20. Due to the unforseen events with Covid, I was financially impacted. Prior to this and after this month I have not been late. I ask that they please make a one time goodwill adjustment and remove the late.
|
| 08/01/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
The company, Flagship Credit Acceptance, has my phone number, address, and has spoken with me within the last 30 days. However, after I told them to cease and desist, they have continued calling my family member. It has happened twice within thirty days.
|
| 04/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
Flagship replied with a full investigation ( letter ) of the auto account but they left out significant and pertinent information to the account but their letter shows they were not timely or truthful about the various other verifications were all lies.
|
| 04/01/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
THE ORGINIAL DEBT WAS TO XXXX XXXX XXXX XXXX, THEY SOLD THE DEBT TO FLAGSHIP CREDIT ACCE. BOTH ARE CURRENTLY LISTED ON ALL THREE CREDIT AGENCIES CREDIT REPORT. THIS DEPT AS BEEN CHARGED OFF AS A PROFIT AND LOSS WRITE OFF, THERE SHOULD BE A ZERO BALANCE.
|
| 04/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FAMISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION YALL HAVE Violate my rights so the account I'm referring to is Flagship credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 12/15/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I contacted Flagship Credit Acceptance on XX/XX/2023 regarding a negative account listed by the credit reporting agency I received in XX/XX/2023. I requested a debt validation including the original signed contract, but the creditor never responded.
|
| 03/07/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I opened this account in 2014 and if you look at they pay history the application of payments is always inconsistent although I have been paying late they are abusive threatening and once I make two or three payments they balance goes up not down.
|
| 06/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Vehicle was repossessed, consumer was never provided with notice of sale, or given information on auction date and time. Consumer information was illegally provided to 3rd party repossession agent as per XXXX5 usc 1692 F, 15 usc 6802 15 usc 1692.
|
| 01/28/2023 |
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 |
Servicemember |
|
It appears that various attempts were made to ruin my credit for purchasing a vehicle in XXXX and in XXXX. There were about 15 hard inquiries which were not me and I'm trying to have them removed from my credit report as they were fraudulent.
|
| 07/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Flagship Credit Acceptance is not reporting current payments and continuing report to all 3 credit bureaus as being late despite making payments. Flagship Credit Acceptance is not reporting the correct loan amount on all major credit bureaus.
|
| 01/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
When i first applied for the loan i was told my payment would be {$200.00} less. This was during the pandemic so i agreed to refi. Upon receiving the invoice for my first payment, my payment was not lowered but my loan term was lengthened.
|
| 04/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Older American, Servicemember |
|
Flagship credit is calling and harassing me several times a day, I was told they would set up a payment so i wouldn't be behind but the calls are annoying and I have tried to get caught up but they won't stop calling about ten times a day.
|
| 03/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX continues to report incorrect to all three credit bureaus. I The loan in questions has been paid off for over a year. They continue to refuse to resolve this issue which has resulted in me being unable to refinance my home.
|
| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Account has been paid off since XX/XX/2023 and credit report still shows an existing balance. They also havent reported to the credit bureau in XXXX days regarding my accounts status. Please update showing paid in full and/or closed.
|
| 04/03/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
We have continuously been writing XXXX XXXX XXXX, pertaining to this matter.the last letter we sent was on XX/XX/23 to delete the inaccurate information that is reporting on our credit report pertaining to flagship credit acceptance.
|
| 01/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether.
No authorization was given to have a hard pull of my credit file.
|
| 02/07/2023 |
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 |
|
|
I recently checked my credit report and saw that a company called " FLAGSHIP CRE '' ran my credit. I did not authorize this inquiry. This inquiry has caused my XXXX XXXX to decrease and I fear that my identity XXXX have been stolen.
|
| 01/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit
|
| 06/18/2019 |
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
|
|
Web |
|
|
On my XXXX these companies fail to have the hard inquiry removed, these was taken place before XX/XX/XXXX and now its XX/XX/XXXX and these companies still putting a hard inquiry on my credit reports the items has not been removed
|
| 08/03/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Flagship Credit will call at least 7 - 8 times a day. Also calling people we know but not have been in contact with for years. Have contacted ex spouses, left voicemails without saying who they are. Has also been calling employer
|
| 02/28/2018 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I have called costumer service because I was a victim of some of the names on my credit report and I would like to remove this hard inquiers on my credit report because customer services did not want to dispute it over the phone!
|
| 07/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.
( INACCURATE INFORMATION ON DATE OF LAST ACTIVE )
|
| 01/31/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I had an auto loan with this company. I got out the loan by trading in a car and the loan was paid off over 2 1/2 weeks ago. Flagship has not reported this loan paid and effecting my score.
Flagship does not accurately report.
|
| 10/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
Was put out of work and waiting for XXXX XXXX XXXX Was told to have the money by next week. The company continues to call after being told I am still waiting on the I XXXX XXXX The amount of calls are in the 30+ calls per week.
|
| 05/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
We paid off our vehicle loan in XX/XX/2022. Flagship credit acceptance reported to the credit bureaus the XXXX payment was 30 days past due. They state they are not allowed to remove the late report because it's against the law
|
| 09/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Flagship Cre is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
|
| 12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I submitted a dispute regarding the status being reported to the credit reporting agencies by Flagship. I provided proof that the loan is paid off and the balance is XXXX but flagship refuses to correct their reporting error.
|
| 03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
the reason i am writing you is because i sent you two letters informing you i made not such request for this credit check, i asked the company wheres the evidence that i initiated these requests and they failed to respond.
|
| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like Im being take advantage of and ignoredonmydisputes.
|
| 10/20/2015 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Flagship calls me every day up to five times a day every time I am late on payment. Even, after I advise them I can not make the payment until a specific date ( the day I get paid ). Last week they contacted me at work.
|
| 01/20/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XX/XX/2023 flagship credit took XXXX from my XXXXXXXX XXXX account- this transaction was not authorized. I did not speak with them in the month of XXXX nor give them permission to steal money from my checking account.
|
| 10/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Well unfortunately I had a XXXX and this un legal got my car towed while I was sick and they had me to put. Down a deposit that never went on the loan lots of lies was told the car wasn't new and use fraudulent things
|
| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FAMISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION YALL HAVE Violate my rights so the account I'm referring to is Flagship credit XXXX
|
| 02/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have repeatedly tried to contact XXXX XXXX XXXX to no avail. They have placed unknown negative accounts on my XXXX, XXXX and XXXX credit reports. This negative account is hurting my ability to apply for new credit.
|
| 07/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/19, I traded in my 2012 XXXX to XXXX XXXX. Shortly thereafter, I receive notice from my credit reporting agency that my account was hit for a 30 day late mark on this account AFTER I no longer owned the car.
|
| 09/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I was alerted of hard credit inquiries which I did not authorize and no knowledge of. I was advised by companies to dispute with credit bureaus as they could not remove. Credit Bureau explained FTC filing is needed.
|
| 03/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Flagship Credit shows my car in bankruptcy status. I never went through with the bankruptcy. The car was also in an accident and the gap coverage paid it off. It should show as a non-collection account paid in full.
|
| 04/23/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX is trying to state that I was over 90 days past due on my auto loan. That is not the case. They are reporting to the both XXXX and XXXX negative payment history. I would like this information removed.
|
| 10/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I gave XXXX XXXX my information. Then after discussing I decided I would go through my bank. They ran my credit the next week even though I asked them not to.Then they shared my information and someone else ran it.
|
| 02/02/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
this company has checked my credit without my authorization i never gave them authorization but received a letter telling me that there sorry but application has been declined i never applied for anything with them
|
| 10/05/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
|
| 07/11/2023 |
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 |
|
|
XXXX XXXX had a offer that say I would be fine but preapproved for a loan and XXXX different hard inquiries put was put on my report dorming my XXXX XXXX by XXXX points. Then they stated that I was not eligible.
|
| 02/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Did not ask these financial services to run my credit. Dealer disclosed information to third party lenders when I specifically requested not to. Never received credit from these lenders and didnt ask them for it.
|
| 06/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XXXX/XXXX/2017 Flagship Credit Acceptance made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.
|
| 05/20/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
The company repeatedly calls throughout the day..3 to 5 times after the payment " due date '' .I pay my bill every month within the 30 day period before its reportable. I've never missed a payment in 19 months.
|
| 09/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Ive paid almost XXXX dollars into the vehicle and they say I still owe XXXX on the vehicle the vehicle was only XXXX at the time of purchase the appraisal amount I was offered was XXXX. NOT TO MENTION REPLACES.
|
| 06/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I did not give these companies written permission to look at my credit report!
I do not recognize any of these companies, or why they are even on my report.
I would like them removed due to improper use.
|
| 11/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX There was a inquiry listed on my credit report in which I didnt associate with. Ive reached out to the company multiple times where I was told they will remove the inquiry however they havent.
|
| 08/02/2023 |
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 |
|
|
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore and such debt, in fact therefore exists.
|
| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX balance of {$1100.00} i have wrote and paid them still reprting on my credit also flagship credit acceptan charge off my account and i paid but they saying i owe XXXX
|
| 07/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
INNACURATE REPORTING ON CREDIT REPORT LOAN IS NOT IN MY NAME AND CREDIT REPORTING COMPANY WILL NOT REMOVE AFTER I SENT LETTERS AND REQUESTED VALIDATION OF DEBT AND ORGINAL CONTRACT FLAGSHIP CREDIT ACCEPTNCE
|
| 09/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Received a letter on XX/XX/2019 from Flagship Credit Acceptance in regards to a denial of a credit request I never applied for and it has left a hard inquiry on my report under my name from XX/XX/2019 2019
|
| 10/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
they are reporting balances on accounts that have been charged off for years.
The original companies already received the tax write off for those balances which means those balances are no longer valid.
|
| 01/12/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
AS PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION. I, THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL, AND NON-VERBAL ACCORDING TO 15USC 6802
|
| 12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Did not give written permission to Flagship Credit Acceptance to obtain my XXXX credit report on XXXX. I did not apply for credit or authorize Flagship Credit Acceptance to obtain my XXXX credit report.
|
| 04/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have 2 credit inquiries from this company that i did not authorize. The dates of these inquiries are XXXX XXXX, 2019 and XX/XX/2019. I have no idea what this company is and why they ran my credit.
|
| 04/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.
|
| 02/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
To whom this concerns, I carefully viewed my credit report and seen that your company ran my credit without my knowledge. I would like for this inquiry to be removed from my credit report swiftly.
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
These hard inquires on my credit report do not belong to me. its inaccurate information and its being reported on my credit.
XXXX XXXX ( finance ) XXXX XXXX XXXX ( finance ) XXXX XXXX ( auto )
|
| 10/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This company shows as doing a hard inquiry into my credit report.
I have never deal with this company and I have no accounts with them.
It appears on my credit report on XXXX, XXXX and XXXX
|
| 10/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
I ask my car loan company why my payments hasnt reported to my credit report in 5 months I havent got an answer and as of today my on time payments of months hasnt reported to my credit report
|
| 06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Flagship Credit will not remove negative item from my credit report and car has been paid off. I have tried several times to have them remove it. It is interfering with my credit score.
|
| 10/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
While I was on bankruptcy, which is still on my credit report, flagship auto finance me a truck set up numerous payment plans with me and then got my income tax and re-Poed my truck
|
| 10/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I noticed unauthorized inquiries on my report which comes from identity theft. I filed a complaint with identity theft.gov and my FTC Identity Theft report reference number is XXXX.
|
| 07/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
They have not responded in timely manner. They also are in violation under the FCRA for verifying this debt as mine without proper validation. They have not provided wet signature
|
| 01/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have No Knowledge of these hard inquiry 's The Higher Inquiries a result of identity theft, And That it Must Be Removed no later than 4 business days as per 15 USC 1681, c. Two
|
| 01/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have No Knowledge of these hard inquiry 's The Higher Inquiries a result of identity theft, And That it Must Be Removed no later than 4 business days as per 15 USC 1681, c. Two
|
| 02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
Flagship credit acceptance reported that I paid a payment late. That is not true i am asking them to show documentation that the payment was late or remove from my credit report
|
| 10/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Ive never heard of this company nor did I authorize them to run my credit. I have not applied for anything! This company improperly obtained my credit without my authorization!
|
| 11/19/2016 |
Yes |
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
XXXX XXXX called at XXXX from XXXX and left a message by XXXX on my cell phone. I am in XXXX and this woke me up from my sleep. Very disturbing. It is a violation of the fdcpa.
|
| 03/23/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
|
|
15 U.S. Code 1605 - Determination of finance charge XXXX XXXX sold car cash price of XXXX and charged for doc fee XXXX XXXX XXXX sales taxes XXXX to include a XXXX Dow payment
|
| 08/08/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I am a federally protected consumer and Flagship Credit Acceptance has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have not given permission to three companies to pull my credit report on XX/XX/2023 XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ) FLAGSHIP CREDIT ACCEPTAN ( Finance )
|
| 11/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
These inquires I dont recognize or did not authorize!
XXXX XXXX XX/XX/2021.
Flagship Credit acceptance XX/XX/2021.
XXXX XXXX XX/XX/2021.
XXXX XXXX XXXX XXXX XX/XX/2021.
|
| 06/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
INQUIRES : A credit report of inquires that do not belong to me CREDIT IN THE CREDIT BUREAUS : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLAGSHIP CREDIT XXXX
|
| 07/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with FLAGSHIP CREDIT ACCEP plus they did not provide me with the original application like I asked.
Account No : XXXX Amount Disputed : XXXX
|
| 05/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Improper use on credit report and its dropping my credit I just want it removed it wasnt me at all. Whoever these banks and finance companies are improperly using my credit
|
| 08/12/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with FLAGSHIP CREDIT ACCEPT plus they did not provide me with the original application like I asked.
Account No:XXXX Amount Disputed : XXXX
|
| 04/16/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX XXXX XXXX calls me numerous times throughout the day from multiple phone numbers. Today, XX/XX/2019 they called 6 times from 3 different numbers in just over 1 hour.
|
| 01/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have 4 inquires on my credit report that i would like removed and deleted. I did not authorize these companies to run my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX
|
| 05/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This account was included in bankruptcy, and should be removed. The information reporting on my credit is inaccurate including amount due and the date of last payment.
|
| 10/25/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
They are not responding to my letters when I specifically told them to talk to me in a written correspondence. They have called me 5 times after receiving the letter
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Flagship Credit Acceptance was supposed to remove all negative reporting on my credit file due to me being affected by the covid pandemic but has failed to do it
|
| 05/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I did not apply for credit with these companies. These companies are listed as inquiries on my report but I did not authorize them to pull mu credit information.
|
| 03/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My XXXX is using my name to try and get approved for a car, we share the same birth month and date. she had my credit ran five times in one day.
XX/XX/2020 2020
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I Told them i did not know where this inquies come from and could they take it off my credited report. they said i would have to call the company tha pulled it.
|
| 12/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Business has not taken the debt off all three of my credit reports. There was proof provided due to identity theft and I'm still seeing it on my credit report.
|
| 04/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
On XX/XX/2021, I filed a dispute in regards to the incorrect items on my credit report and its been 30 days and I haven't received any investigation results.
|
| 03/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 12/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 03/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts do not belong to me. I have tried numerous times to have this inaccurate reporting removed from my credit file and they have not yet done so.
|
| 11/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have inquiries reporting on my credit on the dates of XX/XX/XXXX and XX/XX/XXXX from flagship. I had to freeze my credit due to inquiries kept appearing.
|
| 01/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
My contract is fraudulent due to me having to put a down payment down on the vehicle, vehicle total price is {$49000.00} Flag ship is the financing company
|
| 08/04/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I submitted letter to the bureaus to get this information corrected and nothing was received. I also sent information to the creditor nothing was received.
|
| 02/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
Flagship XXXX XXXX is adding late charges to original note even after the automobile has been reposed. This caused credit scored to be lowered by 3points
|
| 06/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have tried on numerous occasions to contact the credit companies and also credit bureaus to get these inquiries removed because they are unauthorized.
|
| 01/01/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I got a loan for my truck with XXXX and they havent reported a payment since over a year ago. I also have late payments that are not true on my report.
|
| 03/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
|
| 03/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
|
| 03/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
|
| 09/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Older American |
|
Requested Covid 19 Hardship company accepted but claimed check was not received but they had cashed it over a month ago. Report I was late XXXX appox.
|
| 02/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XXXX XXXX, 2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
|
| 09/26/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
XXXX made a error and send my ssn to different banks without my consent and flagship credit made hard inquires on my credit report with out my consent
|
| 02/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Loan has been paid off 2 weeks, and i still do not have my title.
I have called multiple times.
I have emailed multiple times, and gotten no reply.
|
| 11/01/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Ive asked numerous times for this debt to be validated and for copies of any and all documents they claim they have with my signature and im denied.
|
| 08/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
the seller refused to provide a notice of sale prior to the repossession and is refusing to provide the detailed auction statement for the vehicle.
|
| 01/12/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
Monthly payments not reported to credit bureau by loan company monthly as promise second time having too write a complaint about this information
|
| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2023 a hard inquiry was listed on my credit report without authorization. Ive reached out to the companies and havent received any help.
|
| 11/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XX/XX/2023 I noticed two hard inquiries on my account that I do not recognize nor did I authorized.
XXXX. XXXX XXXX XXXX XXXX. Flagship Credit
|
| 12/29/2018 |
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 |
|
|
In XX/XX/2018 XXXX XXXX XXXX pulled a credit with out my consent or authorization I would like this inquiry removed as it's affecting my credit.
|
| 11/04/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The collection was deleted on XXXX XXXX and XXXX XXXX credit reports but not on XXXX XXXX. All credit reports need to be equal and accurate.
|
| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
XXXX is report inaccurate car payment balance that has been paid off about XXXX XXXX now balance of {$2200.00} still reporting incorrectly
|
| 03/16/2021 |
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 |
|
|
your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
|
| 12/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have contacted the credit company advising of the information reporting on my credit report this issue has been going on since XXXX
|
| 11/17/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Consumer law states they owe my down payment back and they have the car back, because Flagship Financial wouldn't lower my payments.
|
| 11/17/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Consumer law states they owe my down payment back and they have the car back, because Flagship Financial wouldn't lower my payments.
|
| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX 1 year 5 months Inquiry Date : XXXX They have checked my credit 4vtimes in the past 2 years. Do not know who they are
|
| 12/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
FLAGSHIP CRD. Account # : XXXX I have contacted this to remove this unauthorized account from my credit report on several occasions.
|
| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I Do Not recognize this Inquiry from this company and have not given permission for this company to have access to my credit Report.
|
| 02/13/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
It is to my understanding that the Gap insurance would have covered the full amount for everything in regards to the XXXX XXXX XXXX
|
| 04/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Account was paid in full by XXXX XXXX. Vehicle was totaled in accident. I also received a refund from over payment from XXXX XXXX.
|
| 08/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I have reached out to the company to release the retail installment contract. I am requesting all of the account level documents.
|
| 12/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I do not recall authorizing.
|
| 04/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In u.s.c 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
|
| 04/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Unauthorized inquiry reporting on my credit file from XX/XX/18. The company refused to remove this inquiry off false premises.
|
| 12/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have no knowledge of the credit inquiries nor did I give anyone permission to run my information at any of these companies.
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Im wanting these inquiries to be deleted because i did not authorize these companies to run your credit this is fraudulent.
|
| 10/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid off my auto loan back in XX/XX/2023 and have been promising to remove balance of my credit and show loan as paid off
|
| 06/19/2023 |
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 |
|
|
I only applied for one credit application and now I have XXXX hard inquiries that I have no knowledge of or have my consent
|
| 10/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Hello, i would like these inquires removed because I did not authorize these companies to run my credit report. Thank you
|
| 07/26/2023 |
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 |
|
|
I was a victim of identity theft and I have numerous inquiries for companies that I did not apply to on my credit report.
|
| 01/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
They refused to help me even though Im doing everything in my power to lower the payments so I may fulfill the contract
|
| 11/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Inquires on my credit report that was not authorized by me, please remove, I was a victim of identity theft in the past
|
| 10/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I called the company on XX/XX/2020, advising I did not give authorization for my credit to run for any car purchases.
|
| 06/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
Credit bureau has in correct information on account. I am requesting how who and where they got the information from.
|
| 01/21/2023 |
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 |
|
|
Its effecting my score n lowering my score with so much inquiries of things I never applied for .Remove off credit.
|
| 09/15/2021 |
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 |
|
|
There are inquiries on my report from these companies that I do not recognize or have open or closed accounts with
|
| 10/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have been a victim of fraud I see several inquires on my credit report in which I did not provide my information
|
| 03/31/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
30 days late assesd to account ( car was refinanced ] XXXX/XXXX/15 ccheck XXXX check XXXX payment XXXX file closed
|
| 01/29/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Theres a car loan on my credit that I never signed an agreement with, from 2013. Im not sure who the company is.
|
| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I requested proof of inquiry and was told that don't have proof so I asked them to remove them and they said no
|
| 04/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
inquiry populated XXXX, did not self inquire nor do i meet the criteria ( veteran ) to have even applied.
|
| 03/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
I have made contact seeking the balance of vehicle after sold. I would like to have this debt removed
|
| 10/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX ( Finance ) - XX/XX/2021 I did not authorize this hard inquiry that is on my credit report.
|
| 02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
not correct address on account that over ten years old account that been on report for seven years
|
| 09/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have tried reaching out no one answers the phone. Ive already complained to the credit bureaus.
|
| 03/02/2021 |
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 |
|
|
These credit inquiries are unauthorized and need to be removed from my credit report immediately.
|
| 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
|
|
Web |
|
|
I did not authorize these companies to pull my credit. Each inquiry is hurting my credit score.
|
| 05/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
Older American |
|
Flagship Cre did not have my express verbal or written permission to access my credit profile
|
| 12/29/2021 |
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 |
|
|
FLAGSHIP ACCEPTANCE XXXX XXXX XXXX XXXX,TX XXXX
XX/XX/XXXX
Re: Unauthorized Credit Inquiry
|
| 05/01/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
There are several inquiries for which I didn't grant written or verbal approval to perform.
|
| 07/25/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
Servicemember |
|
abusive extremely high interest rate for vehicle loan. Company Flagship credit acceptance
|
| 03/22/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Today, XXXX XXXX has called me 3 times, From number XXXX, XXXX XXXX, XXXX XXXX, and XXXX.
|
| 01/05/2023 |
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 |
|
|
There are Inquiries that are reflecting on my credit report that I have not authorized.
|
| 02/18/2023 |
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
|
|
Web |
|
|
Ive tried calling each company but its either hard to reach them or they dont answer.
|
| 03/20/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Have made payments for a year now and my balance keeps going higher instead of lower
|
| 10/15/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Not familiar with information, it is an error and should not associated with my name
|
| 10/06/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Say I owe XXXX account closed XX/XX/19. Last payment date is XX/XX/19. Not accurate
|
| 06/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
Recived verification that's show 's balance incorrect original and current balance!
|
| 08/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 u.s.code 1681a your company is clearing violating the law rules of construction
|
| 01/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
Every single day 2 or 3 times started back in XXXX XXXX Was in Major car accident
|
| 10/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I was online looking at cars in I never gave anyone permission to run my credit
|
| 05/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Current account with Flagship still open this account should be close already.
|
| 07/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XX/XX/2022 i contacted each bank that showed on my report i did not apply for
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have no relationship with this company and did not authorize this inquiry.
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have no relationship with this company and did not authorize this inquiry.
|
| 04/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The account was paid in full on XXXX-19 and has not been reported or updated
|
| 11/29/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Calling me 5 or 6 times a day. Leaving voicemails. Even asking them to stop
|
| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Hard inquiry in my report, I dont recognize. the company name is FLAGSHIP
|
| 03/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Spoke about credit options but didnt authorize credit pull at dealership!
|
| 04/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I do not recognize this company and is on my report twice within to month
|
| 07/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Flagship Credit Acceptance is reporting fees as a late payment in error.
|
| 01/16/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I missed a payment and they 've been calling me at XXXX to collect it.
|
| 01/13/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
Servicemember |
|
On XX/XX/2016 an unauthorized inquiry was placed on my credit report.
|
| 03/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I do have many hard inquiries from companies that I do not recognize
|
| 04/27/2018 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
Credit was ran without permission for a hard hit. XX/XX/2017 2017
|
| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have 24 inquiries on my credit report that I did not authorize
|
| 02/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have many inquiries at my credit report, I dont recognize it
|
| 09/03/2021 |
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 |
|
|
My credit has been pulled fraudulently. Please remove inquiry
|
| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Unauthorized inquiry on my credit report I did not authorize
|
| 10/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
They checked my XXXX credit report Without my Authorization.
|
| 07/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Have no knowledge of these company running my credit report.
|
| 05/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I never gave this company permission to request my credit.
|
| 05/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I did not authorize my credit to be pulled by this company
|
| 07/26/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Reached out to lender, no action taken, no response given.
|
| 05/05/2023 |
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 |
|
|
There are things on my credit I have nothing to do with
|
| 11/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Im a victim of identity theft. I did not apply for this
|
| 11/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are unauthorized businesses on my credit report.
|
| 08/29/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XX/XX/2022 was asked to be removed due to Bankruptcy
|
| 09/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I had identity theft & it shouldn't be on my report
|
| 10/08/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Older American |
|
They sent me a settlement and refused to honor.
|
| 04/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I didnt authorize for them to pull my credit
|
| 01/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
There are inaccuracies on my credit reports.
|
| 05/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Inaccurate information on credit report.
|
| 05/23/2018 |
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 |
|
|
XX/XX/2017 UNKNOWN INQUIRY
|
| 05/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
my name and address wrong
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
|
|
Web |
|
|
|
| 01/28/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/15/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Phone |
|
|
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 01/06/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 01/06/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 12/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
|
| 11/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 11/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 11/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/08/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 11/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 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 |
|
|
|
| 10/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Phone |
|
|
|
| 10/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
|
| 10/16/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/10/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 10/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 10/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
|
| 10/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 09/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
|
| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 09/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 09/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 08/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
Servicemember |
|
|
| 08/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Phone |
Servicemember |
|
|
| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 08/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/15/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
- Confusing or missing disclosures
|
|
Web |
|
|
|
| 08/14/2023 |
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 |
|
|
|
| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/09/2023 |
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 |
|
|
|
| 08/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/02/2023 |
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 |
|
|
|
| 07/26/2023 |
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 |
|
|
|
| 07/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Phone |
|
|
|
| 07/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
Older American |
|
|
| 07/21/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/21/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/18/2023 |
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
|
|
Web |
|
|
|
| 07/18/2023 |
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
|
|
Web |
|
|
|
| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 07/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/12/2023 |
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 |
|
|
|
| 07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/09/2023 |
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 |
|
|
|
| 07/06/2023 |
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 |
|
|
|
| 07/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 07/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/29/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/29/2023 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/26/2023 |
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 |
|
|
|
| 06/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/21/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 06/20/2023 |
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 |
|
|
|
| 06/19/2023 |
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 |
|
|
|
| 06/16/2023 |
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 |
|
|
|
| 06/16/2023 |
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 |
|
|
|
| 06/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
|
| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/11/2023 |
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 |
|
|
|
| 06/11/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/11/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/07/2023 |
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 |
Servicemember |
|
|
| 06/05/2023 |
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 |
|
|
|
| 06/01/2023 |
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 |
|
|
|
| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/31/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/22/2023 |
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 |
Servicemember |
|
|
| 05/22/2023 |
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 |
|
|
|
| 05/22/2023 |
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 |
|
|
|
| 05/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 05/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 05/12/2023 |
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 |
Servicemember |
|
|
| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/10/2023 |
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 |
Servicemember |
|
|
| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/07/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
|
| 05/05/2023 |
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 |
|
|
|
| 05/05/2023 |
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 |
|
|
|
| 05/04/2023 |
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 |
|
|
|
| 05/02/2023 |
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 |
|
|
|
| 04/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 04/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 04/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 04/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/25/2023 |
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
|
|
Web |
|
|
|
| 04/24/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 04/24/2023 |
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 |
|
|
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Phone |
Servicemember |
|
|
| 04/19/2023 |
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 |
|
|
|
| 04/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
|
| 04/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/12/2023 |
Yes |
- 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 |
|
|
|
| 04/10/2023 |
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 |
|
|
|
| 04/09/2023 |
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 |
|
|
|
| 04/05/2023 |
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 |
|
|
|
| 04/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 04/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/31/2023 |
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 |
|
|
|
| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
|
Web |
|
|
|
| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 03/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/23/2023 |
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 |
|
|
|
| 03/23/2023 |
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 |
|
|
|
| 03/21/2023 |
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 |
|
|
|
| 03/16/2023 |
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 |
|
|
|
| 03/14/2023 |
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 |
|
|
|
| 03/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 03/08/2023 |
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 |
|
|
|
| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/03/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 02/28/2023 |
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 |
|
|
|
| 02/28/2023 |
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 |
|
|
|
| 02/28/2023 |
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 |
|
|
|
| 02/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
|
| 02/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 02/14/2023 |
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 |
|
|
|
| 02/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Phone |
|
|
|
| 02/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 02/02/2023 |
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 |
|
|
|
| 02/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
|
| 02/01/2023 |
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 |
|
|
|
| 01/31/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web Referral |
|
|
|
| 01/31/2023 |
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 |
|
|
|
| 01/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 01/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
|
| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 01/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
Older American |
|
|
| 01/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Phone |
Older American, Servicemember |
|
|
| 01/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 01/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 01/04/2023 |
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 |
Servicemember |
|
|
| 12/31/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 12/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 12/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 12/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 12/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 12/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 11/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 11/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 11/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
|
| 11/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 10/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 10/12/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
|
| 10/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
|
| 10/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
|
| 10/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/04/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 10/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Phone |
|
|
|
| 09/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 09/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 09/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 09/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
|
| 09/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 09/01/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 09/01/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 08/31/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 08/29/2022 |
No |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/27/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/27/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/23/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Confusing or misleading advertising
|
|
Phone |
|
|
|
| 08/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
|
| 08/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 08/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/16/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 08/15/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 08/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/12/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 08/10/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 08/10/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
|
| 08/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 08/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 08/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Problem with customer service
|
|
Phone |
|
|
|
| 07/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/12/2022 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Phone |
|
|
|
| 07/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 07/06/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
|
|
|
| 07/01/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 06/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/20/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/31/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 05/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
|
| 05/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 05/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/10/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
Servicemember |
|
|
| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/30/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 04/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 04/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 04/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 04/05/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Phone |
|
|
|
| 03/31/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 03/28/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 03/15/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 03/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 03/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
|
| 03/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 03/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 02/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Phone |
|
|
|
| 02/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 02/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
|
| 01/31/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/24/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Phone |
|
|
|
| 01/04/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/29/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 12/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Phone |
Servicemember |
|
|
| 12/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/15/2021 |
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 |
|
|
|
| 12/14/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 12/06/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 11/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/24/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 11/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/16/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 11/16/2021 |
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 |
Older American |
|
|
| 11/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 10/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 10/26/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
|
| 10/25/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/17/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/08/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Phone |
Older American |
|
|
| 10/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/06/2021 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 10/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 09/26/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Received a loan you didn't apply for
|
|
Web |
Servicemember |
|
|
| 09/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/15/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 09/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Phone |
|
|
|
| 09/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/08/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/23/2021 |
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 |
|
|
|
| 08/22/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/19/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
|
| 08/14/2021 |
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 |
|
|
|
| 08/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/29/2021 |
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 |
|
|
|
| 07/29/2021 |
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 |
|
|
|
| 07/21/2021 |
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 |
|
|
|
| 07/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/29/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 06/16/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 06/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 06/03/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 05/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/28/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 05/26/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 05/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/12/2021 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Phone |
|
|
|
| 05/12/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 05/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 04/27/2021 |
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 |
|
|
|
| 04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
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 |
Servicemember |
|
|
| 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 |
|
|
|
| 03/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Phone |
|
|
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
Servicemember |
|
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 02/26/2021 |
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 |
|
|
|
| 02/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/23/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Phone |
|
|
|
| 02/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
Older American |
|
|
| 02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/01/2021 |
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 |
|
|
|
| 02/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 12/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
|
| 12/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 11/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 11/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/16/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Phone |
Servicemember |
|
|
| 11/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 11/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 11/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 11/04/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Phone |
|
|
|
| 11/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 11/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
Servicemember |
|
|
| 10/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Phone |
|
|
|
| 10/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 10/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 10/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 10/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Phone |
|
|
|
| 10/15/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 10/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Phone |
|
|
|
| 10/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Postal mail |
|
|
|
| 10/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 09/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Phone |
|
|
|
| 08/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Phone |
Servicemember |
|
|
| 08/22/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 08/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/28/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 07/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 07/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 07/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 06/11/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 06/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 06/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Postal mail |
|
|
|
| 05/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Phone |
|
|
|
| 05/21/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 05/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/18/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 05/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 04/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/16/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
|
|
|
| 04/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/26/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 03/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Fax |
|
|
|
| 03/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 03/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/13/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 02/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 01/30/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 01/24/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 01/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
|
| 11/28/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 11/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/08/2019 |
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
|
|
Web |
Servicemember |
|
|
| 11/03/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/31/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 10/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Phone |
|
|
|
| 10/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 10/21/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/19/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 10/16/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 10/15/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/18/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 09/11/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/09/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 08/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 08/15/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 08/13/2019 |
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 |
|
|
|
| 08/09/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 08/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/26/2019 |
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 |
|
|
|
| 07/22/2019 |
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 |
|
|
|
| 07/20/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Phone |
|
|
|
| 07/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
|
| 07/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 07/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 07/08/2019 |
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 |
|
|
|
| 07/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Phone |
|
|
|
| 06/26/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 06/12/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 05/23/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 05/16/2019 |
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
|
|
Web |
|
|
|
| 05/12/2019 |
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 |
|
|
|
| 05/09/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 04/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
Servicemember |
|
|
| 04/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
|
| 04/24/2019 |
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 |
|
|
|
| 04/19/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/16/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/16/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/16/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 04/05/2019 |
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
|
|
Web |
|
|
|
| 04/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
|
| 04/02/2019 |
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 |
|
|
|
| 04/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 04/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/14/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 03/14/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
|
| 03/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Postal mail |
|
|
|
| 02/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Referral |
|
|
|
| 02/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
Servicemember |
|
|
| 01/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 12/12/2018 |
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 |
|
|
|
| 12/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Phone |
|
|
|
| 12/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 12/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Phone |
|
|
|
| 11/02/2018 |
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 |
Servicemember |
|
|
| 10/25/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Email |
Servicemember |
|
|
| 10/08/2018 |
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 |
Servicemember |
|
|
| 09/20/2018 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 09/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Referral |
|
|
|
| 09/14/2018 |
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 |
|
|
|
| 09/13/2018 |
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 |
|
|
|
| 08/29/2018 |
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 |
|
|
|
| 08/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 08/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 06/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 06/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/18/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 06/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 05/26/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 05/17/2018 |
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 |
|
|
|
| 05/15/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 05/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 05/10/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 05/05/2018 |
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 |
|
|
|
| 05/03/2018 |
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 |
|
|
|
| 04/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/11/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 04/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Phone |
|
|
|
| 04/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 03/28/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Phone |
|
|
|
| 03/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
|
| 03/12/2018 |
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 |
|
|
|
| 03/08/2018 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/08/2018 |
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 |
|
|
|
| 02/28/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American, Servicemember |
|
|
| 02/24/2018 |
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 |
|
|
|
| 02/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 02/12/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/01/2018 |
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 |
|
|
|
| 01/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Postal mail |
|
|
|
| 01/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
|
| 12/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/20/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Phone |
|
|
|
| 12/05/2017 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/17/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
|
| 11/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 11/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/23/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 10/06/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 10/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/02/2017 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/15/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 09/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/07/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Referral |
|
|
|
| 09/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 08/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/17/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Referral |
|
|
|
| 08/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/14/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
|
| 08/11/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 07/30/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 07/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/30/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 06/01/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 05/24/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
|
| 05/21/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Referral |
|
|
|
| 05/05/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 05/03/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 05/02/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 05/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/27/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Postal mail |
|
|
|
| 04/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/26/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Postal mail |
|
|
|
| 04/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/06/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/04/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 03/09/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 02/22/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 02/07/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/31/2017 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 01/30/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 01/18/2017 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Shopping for a line of credit
|
|
Referral |
|
|
|
| 01/17/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 01/11/2017 |
Yes |
|
- Improper use of my credit report
- Report improperly shared by CRC
|
|
Fax |
|
|
|
| 01/11/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Fax |
|
|
|
| 01/11/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 12/17/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 12/16/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 12/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 11/15/2016 |
Yes |
- Consumer Loan
- Vehicle lease
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 11/13/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 10/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
Servicemember |
|
|
| 10/06/2016 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 10/06/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 09/30/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 09/24/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 09/22/2016 |
Yes |
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 08/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 06/28/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 05/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Phone |
|
|
|
| 03/23/2016 |
Yes |
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
Servicemember |
|
|
| 03/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 02/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 11/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 10/27/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 10/21/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 09/14/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/18/2015 |
Yes |
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/24/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/29/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 02/27/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 02/26/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 02/11/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
Older American |
|
|
| 01/30/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 12/29/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 12/23/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
Older American |
|
|
| 11/19/2014 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
|
| 11/15/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 11/10/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 11/05/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American, Servicemember |
|
|
| 10/17/2014 |
Yes |
|
- Improper use of my credit report
- Report improperly shared by CRC
|
|
Web |
Older American |
|
|
| 10/15/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/03/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 09/25/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 08/21/2014 |
Yes |
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Phone |
|
|
|
| 08/18/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 07/21/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
|
| 06/20/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|