Federal Pacific Credit Company, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/17/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Loan sold or transferred to another company	MO 646XX	Web
I leased a car from XXXX in XXXX XXXX, MO. Paid for it on time for 2 years when the transmission went out. I paid the {$500.00} deductible for XXXX to take it to the mechanic of their choice to put repair. I got the car back 4 weeks later after threatening to call XXXX XXXX XXXX to have their Problem Solvers team try to get my car back. I then drove it 5 months and the rebuilt transmission started acting up. XXXX told me to drive it to their office in XXXX ( 88 miles from my home ). I did so that day. They told me the transmission was going out again but I'm 6 miles over the warranty so I have to pay another {$500.00} deductible to have it repaired again. I asked if I could pay the up charge to get a different vehicle this time. They said I would still have to pay to have the transmission replaced because I can not turn in a car that is not in the shape it was when I purchased it. They said the only other option is to pay the {$2000.00} to get out of the lease. I asked if I could write a check, they said no it would have to be money order or cashiers check. I went to XXXX XXXX XXXX and got a money order, took it back and paid to get out of the lease. They said they would get paperwork to the bank and I would recieve it within 90 days. At the end of the 90 days I called XXXX they said I needed to call the bank that financed it & gave me the number. I did the bank representative told me they send all clossed account info to XXXX who then sends it to their customer & I am the customer so I need to take care of it with XXXX. I called XXXX back & the person I needed to talk to was " on the other line '' so I called back 3 times a week, always being told the above excuse or that person " is not in ''. I did this weekly until they closed that location. I tried to call the other location and was told they have no way of pulling info from the closed location. So I had no choice but to hope my {$2000.00} payment went to what it was meant for. Now I see it didn't and Federal Pacific Credit Co, LLC now owns the rights to the lease/loan and are trying to make me pay the remaining balance through their collections dept named XXXX XXXX XXXX
03/27/2015	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33068	Web
I found out from the credit reporting bureaus XXXX, XXXX and XXXX that there was a negative account under " Federal Pacific Credit LLC '' under account number XXXX. Federal Pacific Credit has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. The company often refresh this account on my report. Balance of this unknown account his XXXX in last 6 months. Also company is reporting multiple 120 day late payments to further affect my credit score. I have sent several letters, including notarized formal validation letters seeking this verification and to this date Federal Pacific Credit has failed to provide the information requested. Or even responded. They also us multiple mailing address for their company were they do n't sign for mail. Multiple returned letters. I have called the company to get mailing address from them directly and still my mail gets returned. Federal Pacific Credit is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue is n't resolved immediately. Federal Pacific Credit has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that Federal Pacific Credit has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Federal Pacific Credit currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither Federal Pacific Credit possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 7 years and they have the right to collect this debt.
11/29/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75211	Web
After repeated call to my cell phone and employer, I was finally able to call the company back and spoke to XXXX. I asked what they were calling about and they said I had a debt with XXXX XXXX from 2011. I advised " XXXX '' that this was not my debt and asked him for further information such as dates. I advised him that this was supposed to have been disputed and resolved so then he said " I thought you said this was not your debt! '' and before I could get a word in he threatened to pursue legal action and file a XXXX form with the IRS and hung up on me. I called back and spoke to another man, whose name I did n't get, and advised him of my conversation with XXXX. I told him that XXXX rudely hung up on me assuming the debt was mine. I advised him that this was not my debt and I had submitted a dispute long ago and had gotten this resolved. I advised him repeatedly that this was not my debt. He asked for my name and the last 2 of my ss # and after I provided that information to him I tried repeatedly to ask him to send me proof of this so-called debt in writing but he kept interrupting me. It felt almost like he did n't want me to say my request although I tried he talked over me and then abruptly placed me on hold for several minutes until I had to hang up because I had to return to work. I thought that I had gotten this incorrect information fixed long ago until this week when I began receiving multiple calls and messages from XXXX XXXX XXXX. The most frustrating part is that these men will not give me the time of day to properly request information in writing and advise them of the dispute resolution. Before he rudely hung up on me, XXXX said not to call them back unless I 'm ready to come to an agreement and that if I do n't resolve the matter they are filing a XXXX form. I should not have to go through the headache of disputing a XXXX when I already " resolved '' this erroneous debt years ago, nor should I be coerced to make " arrangements '' for something that I am not liable for.
04/26/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	VA 20147	Web
I contacted Federal Pacific Credit Company to validate the debt they said I owe as I do not have a contract with them I also asked for the following as well : A copy of purchase agreement between XXXX XXXX and Federal Pacific Credit company. With XXXX XXXX giving all rights to this debt including the right to receive payment and charge interest to Federal Pacific Credit Company. If there have been any other changes or adjustments since the last billing statement from the original creditor, for them to please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Do they have a debt collection license from my state? provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. On XX/XX/2017 I was sent a response of a retail installment sales contract with a dealership and not the original creditor they say I owe to validate this debt and along with a letter from them addressed as a lawyer with a payoff agreement. My complaint with Federal Pacific Credit company is as follows : - They have not provided me with any of the above information requested - They have put new collection balances on my credit report every month, as if I am somehow in a monthly agreement with them. - They are not licensed or permitted in my state allowing them to collect finance charges as a financial institution.
07/14/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	AZ 857XX	Web
To The CFPB : XXXX My office has been receiving threatening and harassing calls form an alleged debt collector FEDERAL PACIFIC CREDIT. My office has received XXXX calls stated '' you must call us now XXXX, regarding a case number, " it is imperitive you call now, XXXX XXXX ''. I learned form calling this so called company back it is in regards to a predatory credit card that I had over 7 plus years ago, which was cancelled as I was legally advised to do called TRIBUTE CARD. This guy stated there is {$1300.00} in fees alone and more. A closed credit card even predatory can not charge fees on a closed account as per the FCRA. Under the FCRA this card is PREDATORY and I owe nothing to this predatory card, nothing. Secondly, it is over 7 years and this questionable debt collector with a very questionable website at http : //www.fedpacific.com in XXXX XXXX XXXX XXXX They gave my home address, asked for mailing address and called me XXXX. I never go by XXXX as well. My office checked the owner or a so called Executive is XXXX XXXX. My office learned as well under Rip Off Report this alleged company buys outdated debts from predatory credit card companies. My office was legally advised to file this complaint, if the harassment and threats do not stop, my office will take legal action to stop it on XXXX XXXX and her alleged Federal Pacific Credit Collections. Thank you XXXX XXXX, petitioner
01/12/2017	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 32837	Web
Law office has called several times in an attempt to collect a debt. A family member tells me that their spouse has also received more than 1 call, which I believe is illegal, regarding this matter. On XX/XX/2017, I returned their call and requested verification of the debt. I received a letter, on law firm letterhead, regarding my request on XX/XX/2017. Before I could send a letter to cease and desist communication, they called me again today and left a message. Their letter claims that they represent Federal Pacific Credit Company, who also happens to have the same address as the law firm. Are they a law firm or a collection agency? I have never entered into any financial contract with either of these companies, therefore I do not owe them anything. The original creditor they mention, XXXX, and associated account has exceeded the SOL in the state of Florida. They can not file suit against me, nor can they report to a credit reporting agency.
11/11/2015	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	ID 83686	Web	Older American
I received some phone calls and the attached letters from the company and I do n't ever remember ever having this credit card. In 2010 I went to my Credit Union, XXXX XXXX XXXX XXXX and enrolled in their credit education program. It took me about 3-4 years to get all my reports cleaned up and paid so that I could retire and buy a home. About a month ago I received the first letter then phone calls that left voice mails. I sent a Cease and Desist letter and have heard nothing since but now they have put it on my credit report. It also is way over the statute of limitations in the state where this agency is and the state where I live anyway
12/05/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	DE 19805	Web	Older American, Servicemember
i had a continental finance credit card which expire on XXXX but on the credit report it state that a payment was done every month up to XXXX. I just want that federal pacific credit give proof to me that payment was made from XXXX to XXXX. the credit card company and the collection agency got me that last payment was made XXXX an they vertify when i dispute with the XXXX, and the other XXXX agency. it do n't sense becauce i retire from work in XXXX an move so how do i pay them if i do n't get a statement.This is the only credit card that gave me problem.IT seen that my account before it when to a collection agency the date was change.
03/10/2016	No	Debt collection I do not know	False statements or representation Impersonated an attorney or official	FL 33025	Web
I received a debt collection letter from a law firm. The original creditor name and client name is unfamiliar to me. My credit reports do not indicate any fraudulent activity nor any accounts on default. Attempts to identify and contact both original creditor and client were unsuccessful. The creditor has a telephone number that does not exist and the client 's address and telephone number are the same as the law firm 's. When I contacted the law firm, before I could provide them with any information contained in the letter, they already knew who the client was listed on the letter.
03/31/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77063	Web
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
09/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10801	Web
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance
09/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10801	Web
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance
07/02/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	FL 330XX	Web
I was applying for credit and was denied I received my free credit report and found that I had a collection from federal pacific for XXXX dollars original creditor lists XXXX. I have never had a car loan from this company. Also I disputed this same claim on XXXX and it has been deleted I was unaware you had to a claim to each agency. Your help on this mater would be greatly appreciated as my family is looking to purchase a home ... .I have filed a dispute with XXXX the number is XXXX
04/17/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	MD XXXXX	Web
A credit collection agency unknown to me federal pacific credit Co made a false statement in regards to me agreeing to pay a debt I asked the company to send a validation of the debt in regards to the collection letter sent to me in XX/XX/XXXX I previously filed a complaint on the matter the company in returned stated in the response that I agreed in XX/XX/XXXX which would be impossible since they sent me a letter inXX/XX/XXXX XX/XX/XXXX
04/28/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33056	Web	Servicemember
I obtained my credit report and discovered multiple errors with accounts from Federal Pacific Credit Company stating I owe {$590.00} and {$690.00}. I sent a certified letter to the company asking for VERIFICATION but the company did not provid e any documentation to me. Neither did XXXX , XXXX , and XXXX disputed these bogus accounts. There is no account numbers associated with these accounts.
05/03/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OK 74063	Web	Older American, Servicemember
Letter dated XX/XX/2019 trying to collect a debt thatis 10 to 11 years old. XXXX is a third party collection company representing Federal Pacific Credit Co. that is trying to collect a debt from original creditor XXXX. This debt has been sold, transferred or given to several different collection companies. I'm sick and tired of these aggresive people.
03/22/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MD 21133	Web
on XX/XX/2013 an account was sold to an unknown company ( Federal Pacific Credit Company ) I asked the Federal Pacific Credit Company to validate debt instead they sent me information from another company called XXXX XXXX and not Their company Federal Pacific Credit Company. I did not receive nor sign a contract with Federal Pacific Credit Company.
12/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33323	Web
Their license is expired in XXXX XXXX XXXX, Utah and they 're not licensed in the State of Florida. License Type : Consumer Collection Agency Status : Expired Status Effective Date : XXXX/XXXX/XXXX Original Date of License : XXXX/XXXX/XXXX License Number : XXXX License Expiration Date : XXXX/XXXX/XXXX
01/03/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33323	Web
On XXXX XXXX, XXXX, I received a letter for an attempt to collect a debt from Federal Pacific Credit Company. I also looked to see if they were licensed in my state, which they are n't. Actually, their license is expired as of XXXX/XXXX/XXXX license number XXXX effective XXXX/XXXX/XXXX.
09/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MO 641XX	Web
Claim number XXXX. Current creditors FPC account XXXX XXXX XXXX. Balance XXXX and XXXX I DO NOT KNOW WHAT YHIS IS I HAVE NEVER FOOK ANYTHING OUT! SOMEONE IS USIMG MY IDENTITY PLEASE HELP
02/09/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19122	Web
I received a copy of my credit file and discovered this account on there stating that I owed them {$160.00}. I have no knowledge of this account. We have no contract.
03/31/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 622XX	Web
Constant calls..Threats of apprehension..Calling relatives..Discussing details..Trying to get personal info..
03/05/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 92551	Web
I didn't receive identify verification from this company
12/04/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29621	Web

02/21/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78640	Web	Servicemember

12/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77318	Web

08/09/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33472	Web

05/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75075	Phone

03/19/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 92551	Phone

06/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91208	Web

05/16/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	LA 70592	Web

02/22/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 79764	Web	Servicemember

02/17/2017	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	GA 30019	Web

02/07/2017	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33626	Web

01/26/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MI 48433	Web	Servicemember

11/30/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	PA 15668	Web

11/30/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 28079	Web

08/04/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	AZ 85748	Referral

07/22/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	SC 29679	Referral

12/15/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33973	Web

10/15/2014	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	NH 03060	Web

09/16/2014	No	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	MN 56560	Web

09/15/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98409	Web	Servicemember

08/07/2014	No	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	KY 40517	Web

06/11/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	SD 57106	Postal mail