| 10/25/2019 |
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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I was on XXXX XXXX looking at pre-approved auto refinance. Came across an ad by XXXX XXXX. It was talking about loan rates, so I feel in some financial information, but didnt enter anything on the credit check or social security form as I didnt want a hard credit check or application done. Next thing I get is an alert that a hard pull was done without my social by a finance company called first investors. I called them and told them I never did a real credit check or gave my social number and this was illegal and fraud. Pictures attached. I have since spoke to rate genius that they falsely advertised, this was fraudulent and negligence by them.
Here are the emails from both sides.
Warm Regards, XXXX XXXX forwarded message : From : XXXX XXXX Date : XX/XX/2019 at XXXX XXXX EDT To : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Cc : XXXX Subject : No hard credit pull- willful negligence on your company Warm Regards, XXXX On XX/XX/2019, at XXXX XXXX, XXXX XXXX XXXX : XXXX Warm Regards, XXXX On XX/XX/2019, XXXX XXXX XXXX, XXXX XXXX wrote : You have been reported to the United States government.
They have copies of all emails and your false advertising.
I am seeking damages and criminal charges against you Warm Regards, XXXX On XX/XX/2019, at XXXX XXXX, XXXX XXXX wrote XXXX Please forward this email to your executive team.
It appears your company invested in XXXX.
XXXX has done false advertising and committed fraudulent credit pulls Warm Regards, XXXX XXXX XXXX OnXX/XX/2019, at XXXX XXXX, XXXX XXXX wrote XXXX XXXX XXXX- I am sure XXXX XXXX will not be happy when he sees your false advertising with XXXX XXXX that was supplied to you.
Warm Regards, XXXX On XX/XX/2019, at XXXX XXXX, XXXX XXXX wrote XXXX Was told false advertising and illegal credit pulls are ok with executives and you dont care about false advertising and breaking the law.
You will see you false and negligence advertising that you acknowledged.
Warm Regards, XXXX XXXX forwarded message : From : rateGenius Customer Service XXXX Date : XX/XX/2019 at XXXX XXXX EDT To : XXXX Subject : Re : Ticket # XXXX : Re : I have a question XXXX Reply-To : " XXXX Customer Service '' XXXX Your ticket is now solved!
Re : I have a question XXXX XXXX Thu, XX/XX/19 XXXX XXXX XXXX Thu, XX/XX/19 XXXX XXXX You are scam and XXXX and will go to jail Warm Regards, XXXX XXXX Thu, XX/XX/19 XXXX XXXX You have now hung up 7 times of me, when I say who I am.
Warm Regards, XXXX XXXX Thu,XX/XX/19XXXX XXXX XXXX, Been on the phone 10 minutes waiting for you.
Never got a call from an executive as you promised.
Another willful negligence violation Warm Regards, XXXX XXXX Thu, XX/XX/XXXX XXXX XXXX Punitive damages Read in another language Edit Punitive damages, or exemplary damages, are damages assessed in order to punish the defendant for outrageous conduct and/or to reform or deter the defendant and others from engaging in conduct similar to that which formed the basis of the lawsuit. [ 1 ] Although the purpose of punitive damages is not to compensate the plaintiff, the plaintiff will receive all or some of the punitive damages award.
Punitive damages are often awarded if compensatory damages are deemed an inadequate remedy. The court may impose them to prevent undercompensation of plaintiffs and to allow redress for undetectable tortsand taking some strain away from the criminal justice system. [ 2 ] Punitive damages are most important for violations of the law that are hard to detect. [ 3 ] Warm Regards, XXXX XXXX Thu, XX/XX/19 XXXX XXXX Punitive damages Read in another language Edit Punitive damages, or exemplary damages, are damages assessed in order to punish the defendant for outrageous conduct and/or to reform or deter the defendant and others from engaging in conduct similar to that which formed the basis of the lawsuit. [ 1 ] Although the purpose of punitive damages is not to compensate the plaintiff, the plaintiff will receive all or some of the punitive damages award.
Punitive damages are often awarded if compensatory damages are deemed an inadequate remedy. The court may impose them to prevent undercompensation of plaintiffs and to allow redress for undetectable tortsand taking some strain away from the criminal justice system. [ 2 ] Punitive damages are most important for violations of the law that are hard to detect. [ 3 ] Warm Regards, XXXX XXXX Wed, XX/XX/19 XXXX XXXX Please forward this to XXXX, XXXX and all executives.
I better get a call by XXXX from an executive with a check number and tracking for my damages of {$2500.00} for Friday delivery, confirmation your illegal and negligence was corrected by tomorrow and letter confirmation from XXXX that hard pull was removed.
Copy of the basic laws. If you dont want to follow I will call the police for fraud, false advertising, damages to my personal credit line and ask for arrests.
-Basic Damages ( pick one ) : actual ( provable ) damages ( no limit ), or statutory damages damages between {$100.00} and {$1000.00} ( to get these you don't have to prove that the violation harmed you ).
-If the violator was an individual who lied to get your credit report, or used it for an improper purpose, then the greater of : your actual, provable damages ( no limit ), or {$1000.00} flat ( no minimum ).
-Punitive damages, as decided by the court.
-Attorneys ' fees and costs.
Definition of Willful A willful violation doesn't just mean that you have to prove that the CRA or other entity actually knew that it violated your rights. Rather, it is enough to prove that it was acting recklesslythat is, the CRA or other entity knew or should have known that it was running afoul of the FCRA.
Damages for a Negligent Violation You are also entitled to damages if you can show that the CRA or other entity negligently failed to comply with its obligations under the FCRA. Damages here include : actual damages ( no set limit or minimum ), and attorneys ' fees and costs.
Warm Regards, XXXX XXXX Wed, XX/XX/19 XXXX XXXX Please forward this to XXXX, XXXX and all executives.
I better get a call by XXXX from an executive with a check number and tracking for my damages of {$2500.00} for Friday delivery, confirmation your illegal and negligence was corrected by tomorrow and letter confirmation from XXXX that hard pull was removed.
Copy of the basic laws. If you dont want to follow I will call the police for fraud, false advertising, damages to my personal credit line and ask for arrests.
-Basic Damages ( pick one ) : actual ( provable ) damages ( no limit ), or statutory damages damages between {$100.00} and {$1000.00} XXXX to get these you don't have to prove that the violation harmed you ).
-If the violator was an individual who lied to get your credit report, or used it for an improper purpose, then the greater of : your actual, provable damages ( no limit ), or {$1000.00} flat ( no minimum ).
-Punitive damages, as decided by the court.
-Attorneys ' fees and costs.
Definition of Willful A willful violation doesn't just mean that you have to prove that the CRA or other entity actually knew that it violated your rights. Rather, it is enough to prove that it was acting recklesslythat is, the CRA or other entity knew or should have known that it was running afoul of the FCRA.
Damages for a Negligent Violation You are also entitled to damages if you can show that the CRA or other entity negligently failed to comply with its obligations under the FCRA. Damages here include : actual damages ( no set limit or minimum ), and attorneys ' fees and costs.
Warm Regards, XXXX XXXX Wed, XX/XX/19 XXXX XXXX Warm Regards, XXXX Begin forwarded message : XXXX XXXX, XX/XX/19 XXXX XXXX Warm Regards, XXXX Attachments : XXXX XXXX Wed, XX/XX/19XXXX XXXX Please confirm the check number and tracking information for the {$1000.00} you owe as of today.
See below : If a violation does occur, consumers may be entitled to the following damages : Actual damages. There is no limit to this amount, as long as you can prove the loss.
Statutory damages. These damages range between {$100.00} and {$1000.00}. ...
Punitive damages, with no limit on how much. ...
Attorney 's fees and costs.
Warm Regards, XXXX XXXX Wed,XX/XX/19 XXXX XXXX I have called your toll free 4 times and zero doesnt work have an executive call me now.
Warm Regards, XXXX XXXX Wed, XX/XX/19XXXX XXXX In addition you lied.
It was never reversed at all.
Send me proff.
Warm Regards, XXXX XXXX Wed, XX/XX/19 XXXX XXXX I have called him for 2 weeks to have this fixed. Everyday. I dont believe that story.
You defrauded me and others.
Where is my check for {$1000.00} in damages as per fair credit act.
This is unacceptable and is damaging me more every day.
I want this fixed today and my check sent overnight.
Have an executive call me ASAP Warm Regards, XXXX XXXX Wed, XX/XX/19 XXXX XXXX Hello XXXX, Unfortunately XXXX is out of the office for the rest of the week. However, we are aware of your request and it still being worked on. Unfortunately, there is no exact time period to expect this to change due to it taking a few weeks to reflect. However, once this issue is solved, you should see it reflect on your credit file and you should also receive a notice in the mail.
If you have any questions, feel free to call our customer service representatives at XXXX. We are available Monday through Friday, XXXX XXXX CST - XXXX XXXX CST and Saturday, XXXX XXXX CST - XXXX XXXX CST. When the phone menu starts playing, just press 0 and you will be sent to a live representative.
Your application number : XXXX Thank you, Customer Service | XXXX, XXXX.
toll free : XXXX fax : ( XXXX ) XXXX email : XXXX Mon - Fri : XXXX XXXX - XXXX XXXX CST Sat : XXXX XXXX - XXXX XXXX CST XXXX Wed, XX/XX/XXXX XXXX XXXX XXXX, Where is my return call?
You owe me {$1000.00} in damages and face {$40000.00} XXXX fine.
You were sent evidence that no hard pull will done, you falsely advertised.
Warm Regards, XXXX XXXX XXXX XXXX Wed, XX/XX/19 XXXX XXXX XXXX, I have been waiting for your return call that the illegal hard pull has been removed. I sent you your advertising that clearly states no hard pull. That was false advertising.
You said you spoke with the head of compliance at your company and this would resolved.
I have called you 10 times with no response.
This is a {$40000.00} fine to rate genius and you owe me damages of at {$1000.00} to date.
Warm Regards, XXXX XXXX XXXX XXXX Tue, XX/XX/19 XXXX XXXX Here is your false and fraudulent advertising. Where is my call from management.
Warm Regards, XXXX XXXX : XXXX XXXX Tue, XX/XX/19 XXXX XXXX Where is the call your manager promised me yesterday???
Warm Regards, XXXX XXXX Tue, XX/XX/19 XXXX XXXX Warm Regards, XXXX Attachments : XXXX XXXX Tue, XX/XX/19 XXXX XXXX Warm Regards, XXXX XXXX forwarded message : XXXX Tue, XX/XX/19 XXXX XXXX You have not provided me any documentation No harassment here, you lied and committed fraud.
I was never told it was credit report and a hard pull you were evidence.
Warm Regards, XXXX XXXX Tue, XX/XX/19XXXX XXXX Mr XXXX Please call me ASAP about fraudulent behavior and illegal pulls by Mr. XXXX who failed to produce documents and blocked my emails.
This a crime Warm Regards, XXXX XXXX XXXX Warm Regards, XXXX XXXX Tue, XX/XX/19 XXXX XXXX Warm Regards, XXXX XXXX Tue, XX/XX/19 XXXX XXXX Warm Regards, XXXX XXXX Mon, XX/XX/19 XXXX XXXX Warm Regards, XXXX XXXX forwarded message : Attachments : XXXX XXXX Mon, XX/XX/19 XXXX XXXX Warm Regards, XXXX Attachments : XXXX XXXX XXXX ) XXXX XXXX Mon , XX/XX/19 XXXX XXXX Warm Regards, XXXX Attachments XXXX XXXX XXXX Mon , XX/XX/19 XXXX XXXX This is fraudulent behavior and advertising.
I never gave you my social security number yet you illegally obtained it and gave it out.
I have called XXXX XXXX and requested that an investigation be done and your company fined and shut down.
Have an executive officer call me ASAP Warm Regards, XXXX XXXX Mon, XX/XX/XXXX XXXX XXXX This is fraudulent behavior and advertising.
I never gave you my social security number yet you illegally obtained it and gave it out.
I have called XXXX XXXX and requested that an investigation be done and your company fined and shut down.
Have an executive officer call me ASAP Warm Regards, XXXX XXXX Mon, XX/XX/19 XXXX XXXX Dear XXXX, Thank you for contacting XXXX auto refinance.
An application was submitted through one of our partners, XXXX XXXX, on XX/XX/2019at XXXX XXXX. According to their terms and conditions, by pressing the submit button on the online application, you gave express written consent for us and/or our lenders to retrieve your credit file. This was an attempt to refinance a XXXX XXXX XXXX.
We can only remove inquiries in the instance of XXXX or identity theft. If you feel it was not you who submitted the application, you would need to file a police report and fax it over to us. Once we receive that we will forward the police report to the credit bureau for further investigation. Unfortunately, we will be unable to remove inquiries for any other reason.
If you have any questions, feel free to call our customer service representatives at XXXX. We are available Monday through Friday, XXXX XXXX CST - XXXX PXXXX CST and Saturday, XXXX XXXX CST - XXXX XXXX CST. When the phone menu starts playing, just press 0 and you will be sent to a live representative.
Your application number : XXXX Thank you, Customer Service | XXXX, XXXX.
toll free : XXXX fax : ( XXXX ) XXXX email : XXXX Mon - Fri : XXXX XXXX - XXXX XXXX CST XXXX : XXXX XXXX - XXXX XXXX CST XXXX XXXX, XX/XX/19 XXXX XXXX I am still awaiting a call, a reverse pull, an apology or I will pursue all possible recourses.
XXXX XXXX was also advised that their advertising by that company was miss leading and XXXX.
But you are ones that did a hard pull with no social security on application nor was it given to you.
Awaiting an answer and written confirmation that you canceled your pull with a letter to XXXX Warm Regards, XXXX Chat now Powered by HelpDesk
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| 11/18/2019 |
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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On XX/XX/XXXX I was asked to co-sign/borrow for a XXXX XXXX XXXX XXXXXXXX from XXXX XXXX. As this is a subprime loan the APR is 20.58 %, {$11000.00} finance charge, making the {$15000.00} financed, that amount includes {$290.00} for Gap Addendum Waiver into {$27000.00} total. We had signed a contract earlier in the week for a XXXX that was {$5000.00} less but XXXX XXXX XXXX turned down that loan but approved the higher loan.
I told the sales manager that I did not want to get into a loan with over {$11000.00} in interest, that is a whole other car and I am on Social Security XXXX and not comfortable with being responsible for it. The manager came in and assured me that the loan could be refinanced without me after a year of good payments, but what he did not say is no one will refinance a car that is over 10 years old and it turned 10 a week after signing the contract. If I had known that fact I would have never put myself in this kind of debt.
On XXXX XXXX a letter from XXXX XXXX XXXX XXXX stated that the payment from the dealership on behalf of your addendum has not been received. And it is their understanding that the payment will not be sent. And the dealership would be responsible for the Gap waiver should there be a total loss.
After paying for more than a year and a half on XX/XX/XXXX we went to XXXX XXXX XXXX XXXX and they gave us a XXXX that we did not see, showing an accident report that we were not told about and potential odometer rollback indicated and they would only give {$3000.00} in trade.
I tried to call the dealership but they had closed down by then. On XX/XX/XXXX I filed a complaint with the OCCC and they closed it without sending me any of the proof, I asked for them and in the documents XXXX sent on XXXX XXXX was an inspection for the car dated XX/XX/XXXX with XXXX miles and on XX/XX/XXXX dealer inventory on my XXXX shows XXXX and I have an odometer disclosure with XXXX. From XXXX through XXXX there is a XXXX mile difference.
Also they sent a document that says Gap Addendum Waiver that we have never seen. The information shows the car as NEW and msrp as {$60000.00}, and the signature of the borrower is a forge, you can clearly tell the signature looks like the sales manager who signed next to it. The name is spelled wrong and the numbers for the date is not how either of us right, I am not even on it but I drive the car. With it came a letter from XXXX XXXX XXXX XXXX, to whom it may concern there is an active policy, when I pulled the policy up it is just a typed document not signed and dated.
I started calling XXXX XXXX in XX/XX/XXXX asking what the odometer reading is on the title because we have still have not received a receipt and she asked me, don't I know how many miles my car has, I said I want the miles OFF the title and she said they didn't have it there and to go to the DMV.
By XX/XX/XXXX we were getting a letter from First Investors Financial Services saying we were to pay them now. On XX/XX/XXXX I did a title search and on titlecheck.us the NMVTIS vehicle history report shows the mileage as exempt, and the Power of Attorney we signed can not be used if the car is subject to federal odometer disclosure statement. The application for Texas title does not show exempt it has mileage and the county of title issuance the dealer filled out. I sent a complaint to DMV on XX/XX/XXXX and the investigator said the miles were just typos by the inspection stations and the business closed so they can't do anything.
I contacted First Investors Financial Services in XX/XX/XXXX and asked the same question about mileage with no response. I finally sent emails to the higher ups and explained the situation and that the sale is void under Texas Transportation code chapter 501 sec.501.073. He asked me was I wanting to voluntarily surrender the car, no I do not, this is no fault of ours and my credit is excellent now and will not except it on my credit and our remedy is to have the contract cancelled and they take the car.
He said they disagree and the car is exempt because it is 10. As I told him, the car was 9 when we signed the contract and that they have a copy of the odometer statement and the title receipt they sent me shows miles as N/A. There has been no reply in 2 weeks.
I am afraid they are about to do as XXXX and sell my contract and I have to go through more.
I know there is a violation of the DTPA, Texas Transportation code, Texas Financial code, Federal Odometer Act, Business and Commerce code. Stallion lied to the OCCC. And they sent the OCCC a bill of sale from the auction and they paid a little over {$8000.00} but I am paying {$27000.00} for the same car! And it does not matter if I pay early they are charging more finance charge each time, which my contract says the finance charge would be less.
We just want out of something we would have never gotten into if not for being led by the manager. We have already had to replace the transmission and the headlight twice in the first year and have paid 3 years on a car with no clean title.
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| 03/26/2021 |
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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I have a vehicle loan with First Investors Servicing Corporation ( Lender ). Due to the events of XXXX it had become difficult to maintain my personal liabilities ( bills ) at current and satisfactory status.
In XXXX of last year, I had reached out to the lender to advise of my plans to make my account current and arrange payment. The agents I spoke with wouldn't indulge any reason as to why the loan was past due, but rather yelled, belittled, and threatened to take my car. They wouldn't entertain a payment arrangement that would satisfy the account the first week of XXXX ( the following month ). I was so upset with the interaction with the agent and her XXXX and scared that my car would be taken away before I could satisfy the account, that I immediately pulled funds from my 401k. Then subsequently paid {$1100.00} in XXXX, by, XX/XX/XXXX.
Moving forward a few months my payments were scattered, but in XXXX of this year, XXXX I paid {$800.00}. Due to the new year and becoming financially stable, XX/XX/XXXX or XX/XX/XXXX all of my liabilities would be current and in good standing, due to the economic stimulus payment of {$1400.00} being mailed to my on XX/XX/XXXX.
I received an email from the lender on XX/XX/XXXX requesting I contact them. I did so via email, and i received no reply. I am not going to put myself through a battery of XXXX again by calling them. Today ( XX/XX/XXXX ) I received another email from the lender indicating that I need to contact them ASAP due to the account being past due. The email also indicated that if the account isn't made current " promptly '', it will be " escalated '' to enforce the note, and since " enforcement '' would include " moving to the pre-repossession stage and then possible repossession of the motor vehicle serving as collateral ''.
Today, I noticed my car was missing, and my property XXXX didn't tow my car, I called the lender. They indicated to me that the vehicle was repossessed this morning. They have assessed a total charge of {$1900.00}. Charges including {$1100.00} past due amount, {$18.00} late fees, {$730.00} security payments, {$460.00} in repossession fees.
On XX/XX/XXXX I received an email communication from the lender to contact them due to my account status. I promptly replied to the email seeking resolution, however, the lender never responded. Today XXXX XX/XX/XXXX XXXX, I realize my vehicle is missing. After speaking with my residential property XXXX, and they affirmed that they had not towed my vehicle, I immediately contact the lender. The lender informs me that my vehicle was repossessed this morning.
The lender sent me an email this morning ( XXXX XXXX XXXX ) asking that I contact them promptly in order to resolve my account status. If I do not do this promptly, then the lender may enforce the note/contract, and move to " pre-repossession '', and then possible repossession of the vehicle.
EMAIL BODY VERBATIM : " My name is XXXX XXXX from First Investors Servicing Corporation. Your account has now reached the stage where it must be resolved promptly, or it will be escalated, and we will move enforce the agreement and protect our interests. Since enforcement will include moving to the pre-repossession stage and then possible repossession of the motor vehicle serving as collateral, it is imperative that you contact us ASAP to make satisfactory arrangements. Please call us at XXXX. If you do not have a business relationship with us, please disregard. '' According to the lender, on XX/XX/XXXX and XX/XX/XXXX, my account status is in " pre-repossession ''. However, the lender repossessed the vehicle without allowing me to comply with their email communication. The lender can not ask me to contact them promptly to avoid repossession, if, in fact, they have already repossessed the vehicle. Please also note that the monthly statements that I have received did not indicate stages of repossession.
The lender is in violation of, but not limited to, UDAAP under the Dodd-Frank Wall Street Reform and Consumer Protection Act. This complaint should also be recorded and sent to the FTC for review for possible FDCPA violations, regardless of the lender being first party.
This complaint and details will also be forwarded to my attorney, XXXX XXXX, XXXX with XXXX XXXX XXXX. All communication from the lender in response to this complaint or any of their unlawful actions towards me, must also copy or send said communication to my attorney. The lender may initially contact me to resolve this complaint.
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| 04/13/2021 |
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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XX/XX/XXXX Initial loan application is made to XXXX XXXX ( " XXXX '' ). Loan approved principle {$21000.00} at 5.17 % interest. I also receive preapproval loan at 4 % interest. I chose XXXX over dealer financing offer for 4.75 % interest + TT & L + new tires + oil change due to the lower 4 % rate. XXXX approves loan at 4 % rate and I agree. XX/XX/XXXX I received email requesting electronic signature for loan at 5.17 % rate @ XXXX. After phone call with XXXX the rate is corrected and approval email at 4 % rate is received @ XXXX. Following email link, the Consumer Loan Agreement was signed @ XXXX ( cosignor ) and @ XXXX ( me ). Due to mistake, the Consumer Loan Agreement stated a rate of 5.17 %, total payments of {$24000.00}. Error gives interest rate which is higher than agreed amount and higher than my alternative financing. The mistake was not immediately noticed. XXXX emailed instructions to claim funds and provide to the dealer. Instructions state dealer must note XXXXs lien on the title file Lien Entry Form. XX/XX/XXXX - Original title still not received, car was registered using the Bill of Sale and late fee was paid. XXXX XXXX recognizing payments are {$20.00} high, I discovered interest rate error while reviewing Consumer Loan Agreement. I contact XXXX, error was acknowledged, and XXXX promised to correct it. I was asked whether I wanted a refund of overpayment or amount credited towards principal. Interest rate not immediately corrected, I assumed XXXX needed time. XX/XX/XXXX I again contact XXXX about issue. XXXX acknowledges error and promises to correct. XX/XX/XXXX I contact XXXX because interest rate issue still remains. XXXX advises they don't have title and their lien is not perfected I apply for duplicate title and wrote down instructions for the lien registration on a note. I believe I requested the title be sent to XXXX. I have handwritten note, no additional proof. For unknown reason, neither party receives duplicate title. XXXX XXXX - Interest rate still no corrected, I contact XXXX. XXXX advises loan being assigned to First Investors ( " FI '' ). I obtain FI contact information from NWB. I call FI, they don't have complete file. FI advises to call back in one month. XXXX./XXXX. XXXX XXXX, account XXXX for FI advises I have obligation to get duplicate title and register lien. I can not sign/register lien form for FI. Consumer Loan Agreement requires I " fully COOPERATE with [ lienholder ] in placing and maintaining your security interest '' and " authorize [ lienholder ] to file a conforming financing statement or other similar document to perfect lien ''. FI denies 4 % interest rate and advises account in default for failure of my OBLIGATION to perfect lien. Interest rate increased to 25 %. All payments made on time and in the amount requested through auto ACH. XX/XX/XXXX FI mails Lien Entry Form via XXXX.
XX/XX/XXXX lien entry form filed and registered title. Rate never reduced. Rate continues at 25 %. All payments stopped on XX/XX/XXXX. Total amount paid on loan of {$25000.00}. Total payments higher than amount required under original loan. Interest rate bargained for never received. Lienholder refuses to honor rate and raised interest rate to 25 % due to a " failure to comply '' when contract requires cooperation. Cooperation was made although perfection was not timely, no time was required by contract. I used reasonable and best efforts to assist lien perfection. Lienholder never provided agreed rate and used 25 % interest rate in default rather than acceleration as punitive measure to encumber borrower. Lienholder has placed negative credit reporting on borrower and cosignor 's credit. Please note, I acknowledge the lienholder sent notices. I did not receive those notices and the events stated demonstrate my cooperation and the unfairness of treatment I received.
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| 12/16/2020 |
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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So since the pandemic I have been struggling to pay my car note I was working with a lady name XXXX I been paying my car note and when the pandemic hit my hours where tremendously cut I explained this to them and the hardship i was facing, and they stated they have no programs that could help me. XXXX stated that if I paid XXXX that would get me out of repo stage and entered into a program that could help. I'm thinking finally some relief so i kept my agreement after maxing out credit cards and borrowing money. On the XXXX of XXXX I came up with XXXX then made a partial payment on XX/XX/XXXX for XXXX. I emailed XXXX and explained that I have kept my arrangements paid XXXX and the program she said I would be on never happened. So now I'm really in a bind borrowed money to get caught up and still cant get ahead or any help. So i make my normal payment of XXXX which is due monthly on the XXXX of each month. Now XXXX after getting automated calls and text from the company how they want to help I receive an email from XXXX. I explain to her my family has been impacted by covid im a single parent of XXXX kids and how I been trying to get a loan modification due to hardship or some type of covid relief for the past 4 months. She goes to say there are no programs available and i should just set up payment arrangements and hopefully a program become available. So here we are again XX/XX/XXXX payment XXXX and a extra on XX/XX/XXXX XXXX my monthly car note is extremely high and now im paying twice a month to try to catch up and not getting any help other than double payment arrangements which is taking a financial toll on me and my family i still have to keep a roof over there head pay utilities, and provide them meals. So i kept my XXXX arrangements still no program available I set up 2 more arrangements for XX/XX/XXXX and XXXX XXXXI kept those still no help. XXXX tells me I'm playing catch up and the way my payment is set up when i pay it always push me a month back. So without any help I can never catch up and I can only pay double so much until the walls start closing in on me. I set up another arrangement XX/XX/XXXX I paid XXXX now coming up in XX/XX/XXXX I just paid another XXXX and scheduled for another XXXX on the XXXX of XXXX XXXX XXXX she see I been paying and was go see if there was a program and email me and let me know last week I kept my arrangement and have yet to hear back about help. This is really unfair to me and my family we didn't ask for covid to be here and we sure didn't ask my job to cut hours to the point where we didn't know if we was still going to have a job. I don't understand how a big corporation cant offer any help especially when they see I'm struggling to keep my arrangements but have met every arrangement I set up.I cant believe there is no covid programs to help or loan modification option for hardship customers make the companies money and good customer service bring more customers. I tried to refi the car but it's to far upside down my loan is around XXXX and the car only worth XXXX right now so im really in bad shape. I have paid to this date XXXX on my car within 4 months which is double what i would have paid if i was just paying once a month during a pandemic simply because i need transportation to get to work and pick up the kids I'm going above and beyond on my end and barely making ends meet and been seeking assistance now 5 months.
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| 03/01/2019 |
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, I am writing to initiate complaint against First Investors Servicing Corporation ( First Investors ). The particulars are as follows below : I had a repossession that occurred on XX/XX/XXXX concerning my XXXX XXXX. Shortly thereafter, I entered an agreement with Mr. XXXX XXXX, a representative at First Investors Servicing Corporation where the stipulated agreement was for {$8000.00} and monthly payments were to be {$150.00} a month, after completion of said payments the debt balance would be forgiven. As previously mentioned, I was making said payments to XXXX XXXX as agreed and in XX/XX/XXXX I was going through some financial difficulties due to my wife 's health and medical issues because of her XXXX. I made payments when I had the means to make them.
In XX/XX/XXXX, Mr. XXXX gave me an ultimatum that if I did not make my past due payments of {$600.00} by the end of XX/XX/XXXX that my account would be transferred to another debt collector. I made {$1000.00} in payments to First Investors and by chance wanted to get a status update on my account from Mr. XXXX. However, he never responded to my phone messages. I later found out that Mr. XXXX breached his arrangement with me and forwarded my account to another debt collector XXXX debt collection. I never received notice of the transfer of my account. I escalated this issue to his manager, Ms. XXXX XXXX. Initially, Ms. XXXX brought back my account from XXXX XXXX XXXX and received another account representative at First Investors.
Ms. XXXX tried to reassure me that the payments made on my account with First Investors were reflected. I asked her for a copy of the accounting as well as all my documents concerning my account because she said that it was {$3000.00}. All I wanted was proof for my records that said payments were properly reflected before making further payments. On XX/XX/XXXX, I sent a letter to Ms. XXXX to receive the documents that I requested previously from her department that proved that the balanced still owed on my account was {$3000.00}. She told me that she would place my account on hold, review my file and listen to the recordings ( telephone conversations between Mr. XXXX and myself ) concerning my account.
Please note, that the only reason that I did not file a complaint earlier was because I unreasonably relied on the assurances made by Ms. XXXX concerning my account. I did not hear from her for two months and found out that First Investors sold my account to another third party debt collector, XXXX XXXX, XXXX on XX/XX/XXXX. This whole matter has been handled very unprofessionally as well as under handed concerning my account. I am displeased with the service as well as the attention concerning my account because I felt that had I not inquired about my account, I would've essentially been in limbo because I would have been still paying First Investors in good faith even though they initially transferred my account to XXXX XXXX XXXX.
I would like a resolution in this matter and feel that the attempted transferring of my accounts were without merit and deceptive. It is not unreasonable to ask for a proper verified accounting of your account, in light of the mismanagement of my account initially. To this date, I still have not had a proper accounting of my account ( in terms of what is still owed ).
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| 05/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
Servicemember |
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To whom it may concern : My name is XXXX XXXX XXXX I 'm a XXXX American Veteran/XXXX XXXX XXXX XXXX XXXX Soldier. I 'm having a major problem with my car loan financial, lender. Since returning home, I 've been going through numerous surgeries ; here at the VA hospital in XXXX, NM. First Investors is the name of my lender, coming out of surgeries I was 26 days past due on my account. I had the company withdrew {$800.00} from my XXXX XXXX XXXX checking account on XXXX/XXXX/2016. The remaining balance of {$490.00} was to be paid on XXXX/XXXX/2016. My phone conversation to them before XXXX/XXXX/2016, was that I would be calling in with a different bank account number ; because my military bank account I would have the money on the XXXX/XXXX/2016. Well, with the pain and suffering that I 'm going through I was n't able to call in that day. The very next day, I tried the internet and trying to place in the numbers of my account ; and it kept kicking me out and stated. That my account numbers does n't match. I even put in my social security number, and it would still showed no account exist on that social. I even send them an email about the problem. I got an email showing the same numbers I 've been trying to pay on my account. I tried to get a hold of First Investors, every time I tried calling I was place on holding. I was able to reach, them yesterday evening MDT zone. According to the manager in collection that I owed a balance of {$490.00}. I said yes, and I 've been trying to pay. The collection manager told me, since I paid from my checking account of {$800.00}. That they assumed they would get the {$490.00} from my XXXX account to clear up my balance. I told the manager, I did not authorize them to take additional money from this account. I tried so hard for them to understand, not withdrew any money. The manager kept saying if no money is in XXXX account, they 're going to make it bad for me. I tried to transfer the money, from my military account and I was told I have to wait 2-3 business days. I told First Investors I did not authorized no {$490.00} to be taken out. I 'm getting another check on XXXX/XXXX/2016, where all my payments will be caught up. How many days past due on my account, 2 weeks. I gave this country 22 years of my life, to protect domestic and foreign against all enemies. Where can I retrive some patience of I 'm not 30 days past due, or I do not want any NSF charge on my new account at XXXX XXXX XXXX here in XXXX XXXX, NM. I know they need there money, yet when I spoke to the lender at the beginning of the loan ; I mentioned to them, I 'm a XXXX American Veteran, there maybe times when I 'm going miss ; but no 30 days past due if all possible. I received an answer, with all due respect XXXX XXXX ; they would work with me. I 'm saddened that this was n't the case, at this time. They pressure to retrive my business, yet they 're not willing to work with me. I will be calling them again for the day, I called earlier and the XXXX told me ; all there computers are down. It 's now XXXX XXXX MDT. My phone number is XXXX XXXX XXXX XXXX, my email address is XXXXXXXXXXXX. XXXX XXXX XXXX XXXX phone number is XXXX
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| 01/24/2020 |
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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I refinanced my vehicle loan with First Investors Financial in XXXX of XXXX. There was a ton of back and forth with me having to pay my old lender because checks weren't sent on time, then they were asking for payments too, etc. We finally got that straightened out and I was able to make my first loan payment.
Unfortunately, I have numerous health issues. The main one being that I am 100 % XXXX in one XXXX and 80 % XXXX in the other. This leads to frequent FMLA leave usage from work where they won't fire me, but I also won't get paid.
I went through a horrible period where I had multiple surgeries and was out of work for a good period of time. My wife, who is authorized to speak on my account, called in to see if we could get assistance with catching up on payments since I am now back to work.
To begin with, every person she spoke to was rude to her. She got put through to an account manager that told her that my loan had not been up for repossession review but since she called, she was going to push it through for review. My wife called to work out a solution and was told her call just made things worse.
The rep didn't listen to my wife when she tried to explain our situation. Instead she strong-armed my wife into a payment plan that my wife told her we couldn't possible meet. We requested an extension, or to tack the missed payments on to the end of the loan, but she refused to do anything but basically force us to make 4 payments in one month.
My wife made a payment of {$640.00} on the XXXX of XXXX as agreed. Then the other 3 payments were to be made on XX/XX/XXXX. However we only had enough money to make 1 payment of {$640.00} on XX/XX/XXXX. We are still behind XXXX, XXXX, and XXXX. My wife scheduled another payment of {$640.00} for on XXXX.
Now I get a letter in the mail today XX/XX/XXXX. That was allegedly sent on XX/XX/XXXX saying I have 13 days to pay {$3000.00}. Getting the letter today has essentially given us 2 business days to come up with {$3000.00}. I struggle to believe this letter was mailed on Thursday of last week and is just getting here.
We are trying our best to catch up on these loan payments, however we are receiving no help and just outright rudeness when we call to ask for help and also questioning why it is my wife doesn't work. I had not anticipated being off of work for the better part of a month and missing payments. I am now back to work and can keep up with the regular payments, but I we don't have enough to catch up on XXXX quick enough to stop repossession.
We are just asking for an extension of XXXX payments and fees to the back of the loan so that we can make our XXXX payment and be current and not have to worry about the threat of repossession. Any help is greatly appreciated. First Investors should have a phone number to reach my wife or my e-mail address.
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| 09/09/2019 |
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 |
Servicemember |
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In XX/XX/XXXX I purchased a XXXX XXXX. About 5 weeks later the XXXX had an engine compartment fire that destroyed the vehicle. After the insurance company did there investigation an insurance check was issued on XXXX XXXX, XXXX in the amount of {$17000.00}. After the payment the balance was {$1000.00}. I contact First Investors Financial Corporation and set up a 50.00 a month payment plan. After making a few payments, on XXXX XXXX an entry of {$290.00} was added to my balance owed. I contact the lender and question the XXXX and get put on hold, transferred etc. no explanation is provided. I continued to attempt communication with the lender requesting they prove the debt with a copy of my contract and/or account statements. Not wanting issues to effect my credit I requested to speak to someone in management, and after being transferred was able to settle the account for {$500.00} and agreed to pay before XXXX XXXX and management agreed to email me the requested documents. The documents never came and the XX/XX/XXXX, deadline passed.I periodically spoke with the lender over the next few months, trying to get an explanation for the {$290.00}. The lender began reporting the debt to the credit agencies despite never meeting my request to validate the debt. Frustrated watching the lender destroy my credit I contacted the lender again on XXXX XXXX and settled the account for {$590.00} verification code # XXXX, hoping I could get them to correct the credit agency reports now that i had paid the debt. The next day I received an email containing all the information I requested back in XXXX, XXXX. My complaint involves the lenders irresponsible handling of the account from the time the Insurance check was paid to them. Why did they withhold the information I requested to validate the debt from XX/XX/XXXX then provide the information in XX/XX/XXXX after I settled the debt? In the meantime destroying my credit despite my efforts to comply. I have spoke to several people about the issue since I satisfied the account on XXXX XXXX and the lender reported to the credit agency again on XXXX XXXX reporting 180 days late. In my opinion after making the payment and speaking to several employees of the lender they should correct all negative reports to the credit agency. If they would have complied with my request to validate the XXXX as required by law none of this would have happen and my credit would not have been ruined. They reported me again in XXXX. This is there error and they should be forced to correct everything they wrongfully reported to my credit!!!! I also explained to them that I am 100 % XXXX Veteran on a fixed income. My only request is they repair the negative credit entries that could have been avoided if they followed the laws protecting consumers when reporting to the credit agencies.
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| 01/28/2021 |
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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multiple calls, emails, faxes along with many calls to various reps to no avail. First Investors has failed to acknowledge that their employees failed to effectively communicate an accurate record of what status of my account was. Due to erroneous information/lack of information provided to me, First Investors reported a 30day late that is adversely affecting my credit score. Ive communicated with their Credit Dispute department who sent me a letter telling me the information is being reported accurately. No explanation how they couldve possibly arrived at this conclusion. I was never sent a bill for said amount. I made every attempt by calling them to clarify status. First Investors failed to give me the information needed, this failure to fully inform me has caused a hardship for me financially.
XX/XX/XXXX I spoke to FIFG Rep. I informed her I was calling to make my final payment she stated the amount due to be XXXX. I then asked if this was the payoff amount incl. Rep responded " I dont know ''. She reiterated my payment amount was XXXX i was informed that if there was an outstanding amount I would receive something in mail.
XX/XX/XXXX I followed up with FIFG to check on status of title and if there was a payoff amount and if so what was said amount? I was informed XXXX was " my next payment due '' this confused me beccause i knew my final payment was in XXXX. I asked for clarification she continued to tell me " my next payment due date is XX/XX/XXXX. i asked why? a next payment due? she wasnot able to give me a correct answer. I told her this didnt make sense, and made it clear that i did not want to incur a late. She assured me that as long as payment was made before " my due date of XX/XX/XXXX. At this point I hungup.
XX/XX/XXXX As of this date i had not received any correspondence or phone call from FIFG. i received a missed call this day and i immediately returned call, I was informed that my car payment was overdue, after informing her to clarify the terminology because i was again confused because i had made my last payment on XX/XX/XXXX and wanted her to clarify that this payment was a " payoff '' not a regular payment. after some research on the reps part she confirmed this was my payoff amount. I then proceeded to pay this amount on XX/XX/XXXX via phone payment. I implore that you assist me. First Investors failed to give me the correct information to enable me to make said payment hey are now reporting 30 day late. I was in contact with them throughout this entire process. Had there REP given me my payoff information on XX/XX/XXXX i wouldve paid said amount then.
i have made various calls since then. last call was XX/XX/XXXX spoke with XXXX from their credit dept.
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| 12/01/2017 |
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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The last 4 years I have tried and tried. Letters to XXXX, calls, copies front and back, nothing works. The bank tried to help and saw these incorrect items on my 3 credit reports. They advised me what to do. After the year of back and forth letters, calls and getting no where with XXXX and then the loan companies. 2 car loans and 1 home loan in California. I am in Oregon. Name is incorrect on report as well. I hired XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. They got some taken off and {$1600.00} later. Its back on my reports. Effecting my insurance, and as you know everything with credit.
I started the process in XX/XX/XXXX when I first pulled a credit report, advised by my financial advisor. XXXX XXXXautomated system, the caller must answer security questions to speak with representatives, XX/XX/XXXX what credit card did you have? I was XXXX years old. NONE. Incorrect answer the phone hangs up. I ca n't get anywhere with the phone numbers listed. I try online and what to do. Send a letter. Wait 6 months nothing do it again, with all required copies, forms, letter, proof of person. Nothing. I try to call again. Nothing, After a year of this I try to get credit help. I visit and go to meetings with counselors that advise me what to do. Nothing still. Now Two years of dealing with it. Monthly for 2 years, I have a file with proof. I paid a company, attorneys to help. And now its back on AGAIN!!!! I 'm a single mom, XXXX kids and own a business. I do n't have time for this, I do n't steal credit, And it should n't be this easy. Really a number is a persons life now days. CREDIT, Loans, Emergency, homes, insurance, I can go on. And when someone uses what you work hard to maintain and take care of, its beyond XXXX or criminal. Explain this to my son who is XXXX went to XXXX XXXX and needed a car, his broke down. I drive all paid off cars, and could n't even get him a cheap {$3000.00} car. REALLY thats embarrassing. XXXX credit score to XXXX now!!!!!! My name is XXXX XXXX of OREGON. I have filed reports on www.alertsftc.govXXXX, freecredit reports agency, XXXX Sent letters. I am at a loss. Only to say obviously it pays to be a criminal in this country. PROOF is right here. The other cars loans, phones, and Mortgages information I have. In a file at the accountant. I can get those if this goes anywhere, if needed, at this time its just the same rant and go no where letter.
This person is XXXX XXXX XXXX XXXX {$510.00} a month payment $ XXXX car loan left with 1st investors XX/XX/XXXX. XXXX {$430.00} a month $ XXXX left XXXX XXXX XXXX a joint account with someone. XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX I notified them again, dispute XXXX nothing done about it.
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| 06/05/2020 |
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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We have been attempting to enroll in a Covid 19 program for payment assistance sinceXX/XX/XXXX
Here are the notes we have on our end : XXXX > first call to inquire about the program found on your website offering Covid 19 payment assistance.
XX/XX/XXXX> emailed insurance declaration XX/XX/XXXX>spoke to a rep about a specific program ( temporary reduction via refiance for 4 months @ 6 % APR ) ; We were told that 1st Investors was not reporting any late payments at this time.
XX/XX/XXXX> emailed insurance declaration again to another rep who said they could not find it XXXX XXXX XX/XX/XXXX>spoke with XXXX for an update XXXX XX/XX/XXXX>Spoke with XXXX XXXX manager for an update XXXX XX/XX/XXXX>Spoke with XXXX for another update ; We were told that everything was received an we were awaiting for the next steps. We asked about credit reporting and he relayed to us that they were not reporting any late payments during this Covid crisis at the very least and not to worry about it at this point.
XXXX XX/XX/XXXX> spoke to XXXX due to XXXX not available because of vacation and that the case # was now missing on the declaration for the insurance.
XX/XX/XXXX> Spoke to XXXX XXXX ( another manager ) who said the insurance was still not updated in their system but was updated on the insurance system ( a conference call with the insurance company verified it was completed and on their system. XXXX at this point offered another program to enroll in if we were unsuccessful with the current one and was going to call us back with details. ( one month deferral program ). We never received another call back since.
XXXX XXXX I spoke with a manager whom indicated that we still were not enrolled in a program and that we could start the process for a different program at which point I informed her that we were already attempting to refinance with a credit union. I asked her if we needed to make a payment in order to have to time to refinance which we knew could take about 10 days and she was unsure and directed me to call another #.
At this point in time we have given up on any program and have successfully secured new financing from XXXX XXXX XXXX XXXX XXXX.
How ever, I was un pleasantly surprised to find any creditor reporting late payments of any kind while we are in this Covid Crisis period.
We are both now unemployed and have no idea as to how long this will continue base on government guidelines. However the loan will be paid in full with in the next few days and I would like the credit department to remove the late payment and correctly place a paid in full closed account remark instead.
I respectfully ask that this be done immediately.
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| 06/17/2019 |
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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Since I submitted my most recent inquiry via fifsg.com site I do not have a copy of my inquiry but to get started I was asking them about my XX/XX/XXXX payment.
They replied : Thank you for contacting customer service. Per our records we show that your last payment was received on XX/XX/XXXX and processed on XX/XX/XXXX. We gave you the credit for the date we received it as opposed to when it was processed.
Notice how they make it sound like they've done me a favor by posting my payment on XX/XX/XXXX? But it's still incorrect. Here 's my response to them You completely missed my point.
By law you have to give me credit the day that my payment is received and that payment was delivered to you on XX/XX/XXXX therefore you owe me 4 days interest. This is only the beginning ...
You guys also messed up on my XXXX payment that check was dated XX/XX/XXXX it was delivered to you on XX/XX/XXXX and you didnt post it until XX/XX/XXXX therefore you owe me 3 days interest.
XX/XX/XXXX payment the check was dated XX/XX/XXXX it was delivered to you On XX/XX/XXXX yet you guys didnt post it effective until XX/XX/XXXX therefore you owe me 4 days interest My XX/XX/XXXX payment the check is dated XX/XX/XXXX and it was delivered XX/XX/XXXX yet you didnt post it effective until XX/XX/XXXX therefore you owe me 2 days interest My XX/XX/XXXX payment check is dated XX/XX/XXXX it was delivered to you on XX/XX/XXXX you didnt post it effective until XX/XX/XXXX therefore you owe me 3 days interest My XX/XX/XXXX payment check is dated XX/XX/XXXX it was delivered to you on XX/XX/XXXX he did not post it effective until XX/XX/XXXX therefore you owe me 3 days interest My XX/XX/XXXX payment the check is dated XX/XX/XXXX it was delivered on XX/XX/XXXX you didnt post it effective until XX/XX/XXXX therefore you owe me 1 day interest I sent a principle only payment of {$1500.00} that check is dated XX/XX/XXXX it was delivered on XX/XX/XXXX but you didnt post it effective until XX/XX/XXXX therefore you owe me 3 days interest My XX/XX/XXXX payment my check is dated XX/XX/XXXX it was delivered to you on XX/XX/XXXX however you did not post it effective until XX/XX/XXXX therefore you owe me 2 interest My XX/XX/XXXX payment my check is dated XX/XX/XXXX it was delivered on XX/XX/XXXX however you didnt post it until XX/XX/XXXX therefore you owe me 3 days interest My XX/XX/XXXX payment my check is dated XX/XX/XXXX it was delivered on XX/XX/XXXX but you did not post it effective until XX/XX/XXXX therefore you owe me 2 days interest.
So stop being a smart XXXX and figure out what youre gon na do about the money you owe me thank you
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| 05/27/2020 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Frequent or repeated calls
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|
Web |
Servicemember |
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My wife and I have made attempts to contact the lender, First Investors Servicing Corporation, and when we have called, we have been left on hold for nearly 45 minutes and hung up on. We have also responded via email as we understood they may be bogged down from common concerns regarding Covid-19. The following is recorded from my telephone call log and the result of the incoming call from the lender First Investors.
XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX answered phone call and spoke to gentleman and stated that we would be contacting the lender back. Gentleman acknowledged.
XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( Voicemail left ) XX/XX/2020 - XXXX ( Voicemail left XXXX XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - My wife contacted First Investors only to wait an extended period of time and get hung up on.
XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XX/XX/2020 - XXXX ( No voicemail ) XXXX Email sent from my wife to First Investors that yielded no response.
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| 05/23/2021 |
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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Seeking a Resolution Attachments Thu, XX/XX/XXXX, XXXX XXXX ( 10 days ago ) to XXXX Attachments XXXX XXXX ( 37 minutes ago ) to compliance Good Day Mr . XXXX, My account wasn't open or updated for me to have a late fee. My account states I owe monies for an account that wasn't open yet. First payment was made on time and was made in order to begin automatic payments.
My recorded conversation will support my claim. In an ongoing pandemic I am responsible for mailing out and purchasing my grandmothers meds I can not afford a system mistake of a " late fee '' that is not applicable. I am asking for my account to reflect the {$78.00} and cents correctly and not the unlawful amount of $ XXXX. I am here only because customer service has chosen to apply unethical practices and I know I am sure to get better practices from higher management.
Please let me know what can be done to resolve this issue.
Thank you.
Attachments to XXXX, Hello Mr . XXXX, I am seeking yet, another resolution. I am unsure how a paid account is not paid. First Investors has to be better than this. My screenshots are attached.
There are no false claims to be made ; however, the system is absolutely false in what is owed. Please update your records to show the correct amount. This is an ongoing issue and must end or is this a corporate strategy to keep funds coming in?
Please stop charging me fees that are not relevant to my account.
FW : Incorrect Owed Amount XXXX XXXX XXXX XXXX Attachments Thu, XX/XX/XXXX, XXXX XXXX ( 10 days ago ) to me, compliance Ms XXXX
It seems you did not receive my response to your first email inquiry.
To answer your concern, the total due amount on the account is correct because of late fees. The accrued late fees equal {$140.00} plus the payment of {$78.00}, leaves a total due amount of {$220.00}. I have attached a copy of your payment history for your review. Please let me know if you have any further questions.
Kind Regards, XXXX XXXX Customer Care Team Manager First Investors Servicing Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Phone : XXXX Fax : XXXX XXXX XXXX My fear is that even after this complaint they will still find more fees to charge me with. This is messing with my credit for no reason.!.
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| 05/10/2019 |
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 matter is complicated. I used XXXX XXXX ( Now First Investors ) as a refinance bank to pay off XXXX XXXX, and thus XXXX XXXX became my new lender and lien holder on my non negotiable title in Oklahoma.
The problem is that XXXX ( First Investors ) failed to fill out proper paperwork with the OTC to have XXXX XXXX removed, while they added themselves ( XXXX XXXX ). What is also horrible is that XXXX XXXX claimed to have sent XXXX a lien release when XXXX Paid them off ( XXXX XXXX ) on XX/XX/XXXX. I have issued separate complaints for both lenders through the CFPB.
Now I have two lien holders on my title when actually, both ( XXXX and XXXX ) should have been removed once the vehicle was paid off on both of their ends. XXXX was paid off in XX/XX/XXXX, and XXXX XXXX ( who transferred their auto loans to First Investors ) was paid off in XXXX of XXXX. I am unable to receive a clear title, free of liens because these two lenders refuse to process the proper paper work.
How can you pay off a vehicle and still have lienholders on your title? Oklahoma is not a title holding state and they do provide your title with lienholder if you still have a balance on your loans. The lien holders are responsible for clearing this up with the OTC ( Oklahoma Tax Commission ). Please investigate this complaint and advise XXXX and XXXX to comply with Oklahoma law and remove themselves from my title.
XXXX ( First Investors ) also needs to forward SIGNED and valid lien releases from themselves, and XXXX who sent to them after the XX/XX/XXXX payoff.
XXXX should not be listed as a lien holder since they were paid off in XXXX, and this is considered FRAUD! First Investors isn't even listed on my title. They never submitted anything to the Oklahoma Tax Commission removing XXXX and XXXX from my title. Aren't First Investors a loan Servicing company, yet they have not done their job, according to the Oklahoma Tax Commission and this is also fraud and deceptive business practices. They provide me with an UNSIGNED lien release, which is also fraud. Why are the lien releases unsigned? Why did they send me unsigned lien releases which was rejected by the local tag agency? This is ridiculous.
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| 06/06/2021 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
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I recently found some accounting and billing issues and these issues have been reported to all three credit bureaus XXXX XXXX XXXX and XXXX XXXX. On XX/XX/XXXX I submitted a partial payment to First Investors Servicing Corporation check # XXXX XXXX XXXX XXXX {$200.00}. My monthly payment is was not due until XX/XX/XXXX, but to get a jump on my payment since I was granted ( 2 ) month extension due to Pandemic. But after looking at my payment history I noticed that ( {$15.00} ) was applied toward late fees and XXXX {$180.00} XXXX towards interest. How this be when I was granted extension ( see attached PDF ) if you look at XX/XX/XXXX, same time I was granted the extension First Investors Servicing Corporation received a payment for ( {$290.00} ) and that payment was allocated as ( {$210.00} ) towards the principal and ( {$77.00} ) was allocated towards interest. I have not gone over all my payment history but I feels these regularities are part of same issue am complaining about now. Where do the late late payment fee come in at, when I was granted a ( 2 ) month extension? The next issue First Investors Servicing Corporation have notifying the XXXX, XXXX and XXXX about my payments as being late even during the pandemic period presently I have ( 19 ) late payment showing on all three credit bureaus report XXXX see attachment ). I usually pay my car not on the XXXX of each month before the next month become is due. I've been assessed late fees just about every month even during pandemic period. This matter needs to be addressed and corrected. When I call and complain they place a notation on my credit report that negative remarks driving my score down. Since XX/XX/XXXX up until now I've lost a between ( 80-90 points ) due to these negatives remarks, after I've complained to First Investors Servicing Corporation. When I speak with the creditor bureaus they can not or willing explain does remarks. but instead advise me to call back to First Investors and they in return can't explain the remarks for the huge drop in my score.
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| 09/28/2017 |
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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After my car was deemed total loss by the insurance company, My original auto loan was sold of to another company called XXXX XXXX XXXX. The new financial company informed me that my title to the vehicle would be released to me once all payment was submitted by the insurance company and the GAP department. I have never received any detailed break down of payment and principal balance after the last check was issued from afa claims ; in the amount of XXXX, during the month of XXXX.I demand an up to date document that was reflecting my balance tome emailed or mailed to my address. XXXX XXXX XXXX the most recent statement I have from XXXX XXXX XXXX, reflects the principle balance of XXXX, no interest fees, no late charges, no other fees owed, no stipulation of fees being added.In addition to that, the minimum payment reflected a due date of XX/XX/XXXX. This small dollar amount left on my account is for payment in exchange for right to obtain the salvage title to the vehicle. As of XX/XX/XXXX, I called to inquire about the full pay off amount for the title. I was told that my entire balance changed although no representative could assist me. I spoke with several people include XXXX XXXX. He was unable to provide me the reasoning or the detailed break down as to how or why my account balance changed. When asked for someone to email me an up to date bill. I was told NO. At that point, My phone call was being re directed to an individual named XXXX XXXX answering machine service, because I was told my account file was being put on the market, " remarkting. " I informed XXXX XX/XX/XXXXthat did not wish to have my account sold off, I only wish to pay my true principle balance so that I may obtain my title. Its been 24 hours and I still have no update emailed of a statement that reflects their claims of m, y account balance changing. This company is operating is a fabricating their information. This company is presenting fraudulent information to me. Please help me.
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| 04/15/2019 |
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 |
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First investors recently took over loans for XXXX XXXX XXXX. I received a letter about the merger but no instructions on future payment. I made my payment on the due date to XXXX. First investors started to call me frequently as a debt collector. When I spoke to XXXX XXXX I advised him of my payment and emailed him my bank statement showing every previous payment including the one they where turning to collect as paid. This was XX/XX/XXXX. My XXXX was supposed to process the payment and call me back as soon as he was done. I continued to get collection calls so I called Mr XXXX Back on XX/XX/XXXX to which he seemed caught off gaurd and claimed to have not gotten my statements. At that point I emailed them to him again and he said he had them in hand as was going to escalate it to the proper department. I asked them to stop calling my previous employer trying to collect a debt I did not owe. I called first investors back again on XX/XX/XXXX after paying my XXXX payment to make sure it was credit correctly. At that time my account still shows delinquent. I was advised a email would be sent to the manager in the payment processed department by the name of XXXX XXXX who would be in the next day at XXXX and have all of my information. I checked my loan information today and saw the payments have not reflected on the principal in some months now and that the principal and the interest flipped backward instead of the interest going down. I called them again today XX/XX/XXXX to be told the XXXX XXXX is not in until XXXX XXXX and that the person I spoke to XXXX XXXX would email her again to let her know to contact me. I was told my XXXX payment was due even though I had already paid it and have a receipt and that I could try and call back again if I want to talk to her. I tried calling back again for XXXX XXXX only to leave a voicemail again. I have no idea what is going on with my money I am sending into them or the terms of my loan changing
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| 11/04/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I have continually made overpayments towards my vehicle loan in an effort to reduce the principle amount and, in turn, reduce the amount of interest being paid towards my loan. I contacted FIFSG ( First Investors Financial ) when I noticed all of my overpayments were being split between principle and interest. I contacted FIFSG the first time via telephone and was advised this would be corrected. When my payment was made in XXXX 2015, I reviewed my account and noticed the first request and resolution had not been honored and my overpayment again was split between principle and interest. I sent an email and received a response to allow XXXX hours for my request to be processed and the change to occur. After making my XXXX 2015 payment, I again noticed no action had been taken to correct the payment allocation on the overpayments and my XXXX payment had, again, followed the same pattern. When I contacted FIFSG on XXXX/XXXX/2015, I spoke with a gentleman who identified himself as XXXX XXXX, a Team Lead. I explained my reason for calling, how I contacted the company twice before and no changes had been made. XXXX XXXX then tried to tell me how my interest was being calculated on a per diem basis and why the amount of the per diem interest was being calculated and I have a simple interest loan. I explained to XXXX XXXX my request was to have the overpayments applied to the principle and the interest remediated, I was advised both verbally and in writing this would be done and my account still shows no changes. XXXX XXXX continued to explain to me how interest worked and I advised I was well aware of how Finance worked considering this is my career field. I then advised I was going to file with the CFPB if this did not get changed. XXXX XXXX continued to argue with me and I ended the phone call with the statement of filing with the CFPB to step in and help.
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| 05/17/2017 |
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 |
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So, my loan was transferred/sold from XXXX XXXX XXXX , whom by the way ... were a class act ... .now with 1st investors Financial s ervices, literally the way i find out, is because i no longer had access to my online with veritas. Now with 1st In vestors, i speak with Agent XXXX XXXX -- after she verified my information, i asked who they report to ... .what Credit Bureaus ... she proceeded with " I dont know that, i dont know who we report to '' she was very snarky, and quite frustrated ... .Rememeber this is the first ever time i find out i am not part of this finance company. She transfered me to the Manager XXXX XXXX , i asked her what Credit bureau do they report to ... ..she is the manger of the collections department, and she had NO IDEA WHO, so now this frustrates me and confuses me ... ... she had to place me on hold to find out whom they report to ... turns out, its to all XXXX Bureaus, which makes me happy ... .i was also told that all my Automatic payment info was transfered with the process ... ..turns out, XXXX says it wasnt and now i have to fill out some form, so that i can be set up on this again. my payments are do on the XXXX , today is XXXX ... ..they will honor and back date my payment. the only thing is, for budgeting purpose i asked to debit my card, but it would be a {$13.00} charge and it is a 3rd party charge ... ..i asked them to waive it as a courtesy, and they could not. i am not happpy with the false information that was provided to me and unhappy that there account reps didnt know who they report to. First impressions are everything, and not once did i file a CFPB Complaint about XXXX ... ... i advised XXXX that i would be filing this complaint, and there is nothing she did to keep from doing this.
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| 04/26/2017 |
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 got behind in my vehicle loan beginning with the XXXX payment. I scheduled XXXX months of payments to come out on Friday XXXX XXXX XXXX . I had an issue with my other car loan with a repossession and had to get the vehicle back so my fianc could work. I paid almost {$2000.00} in fees for XXXX with them. Then they took out {$650.00} unexpectedly on my account at the same time First Investors tr ied to take their payments. The bank paid the lower amount XXXX {$650.00} ) and returned the First Investors payments. I am distraught and confused. I called First Investors as soon as I realized what happened XXXX prior to them receiving the returned payment ) this morning. I was told that I do not qualify for a deferment based on having XXXX in XXXX of last year. Also, if I do not have a payment in by the end of XXXX , they will send me a harsh letter demanding {$1400.00} from me or repossession. There is nothing they can do to help me per my account XXXX , XXXX . Now, here 's some background and frustration . First Investors is a subprime loan lender who banks off of people in despera te measures trying to get a loan so they can work and have transportation. With my interest rate and payment amounts of {$510.00} a month, I am paying more than 3 times what the vehicle is worth. It 's highway robbery and they can not help their customers more in these financial situations? They have to understand that their customers are paying 3 times as much in monthly payments as a normal consumer would. I understand these loans are risky but at the same time, but {$510.00} a month for my vehicle is outrageous. I was promised when I got to the car that I could refinance for lower payment and now that is definitely not the case.
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| 08/20/2019 |
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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In XX/XX/XXXX I financed a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX. Every monthly payment was going well with Veritas Finance. Halfway through XXXX I receive a letter by mail stating VXXXX XXXX had given my loan over to First Investors Financial Services. Once I started dealing with 1st Investors my monthly payments seem to always be an issue. I have never received a single bill by mail nor email stating my monthly payment was coming up or statements. I call first investors to make a payment and nobody can ever take my payment. Per the agent the call needed to he transferred elsewhere. I receive calls from another agent every month to collect my payment. I do not have access to my account to keep track of my payments. Online login states account is no longer active. This year XXXX there has been several payments that have been collected but then get a call from an agent stating I am 2 months behind and I need to make both payments, when in reality my payments have gone through and I have proof. On XX/XX/XXXX repo was was outside my house to take my vehicle due to me not paying. Additional charges were added to my bill due to repo having to come to my door. The amount due onXX/XX/XXXX per the agent was less than XXXX dollars. NowXX/XX/XXXX the amount due is XXXX. As I was calling to make this month’s payment I was told repo was processing the pick up of my car since XX/XX/XXXX payment wasn’t made !? My husband has proof of the payments being made on his bank account and it did go through. I have been having issues with the financial company every since they took over my loan. Now I cannot even trade in the car for a newer vehicle due to the mistakes they have noted.
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| 10/18/2017 |
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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I have disputed and contacted this company ( First Investors FIN SERV ) several times about the debt that has been listed on my credit report. The in 2015 my car was repoed when i was in between jobs. I never received a call from the company to try and get the car back. Never received information when the car was sold at the Auction. By law the company is to advise me about this debt. The full balance that the car was first financed is listed on my credited report with XXXX & XXXX. Overtime the debt was charged off and the company had been paid off. I was living in Florida at the time of repossession and the Florida Statues XXXX was in total violation because the company never provided me with detail of when and where i can go get my personal belongings that was left inside the car, they never gave me a option to get the car back, the also never provided me with the dates and where the car would be auctioned off at, nor did they provide me with the information of how much the car was auctioned off for. Which totally violates the law.
I have requested this information in writing from the company ( First Investors FIN SERV ) on several occasions to provide me with all of the documents pertaining the loan. I was only sent the original loan information and not the following documents requested. The amount that was listed on my credit report was for the original amount of the loan when i first financed the vehicle excluding the amount that i had paid on the car for a year before the car was repossessed. That itself is a violation of the law!
I have requested that they remove this debt from my credit report because it is in violation. They refuse to remove the debt.
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| 01/12/2021 |
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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I am writing to dispute the following information in my file.
This account is grossly inaccurate. FIRST INVESTORS HAS BEEN PLACED ON NOTICE FOR SEVERAL TIMES FOR CONTINOUSLY PROVIDING INACCURTE ACCOUNT DATA YET HAS CONTINUED TO REPEAT VIOLATIONS AFTER LITIGATION INVESTGATION CONCLUDED & FINED. REQUEST FOR IMMEDIATE REMOVAL OF DEROGATORY INFORMATION AT ONCE. FISC LIST MULTIPLE INACCURATE PAYMENT DATES, ERRONOUS BALANCES, INFLATED INTREST & DUPLICATED FEES. FAILURE TO COMPLETE PROPER INVESTIGATION AND PROVIDE ACCURATE HISTORY OF PAYMENT RECORD WITH TIME STAMPED ENTRY OF RECEIPTS. LITGATION & COMPLAINTS PROCEEDED DEMAND FOR COMPLIANCE OF FCRA.
This company has shamelessly shown for years the FCRA does not apply to them and should be held in contempt as they continue to take advantage of subprime customers who have had limited opportunity based on inaccurate scoring in which companies such as XXXX contribute to and prey on.
Enclosed is a copy of the lawsuit confirming the ruling and fine of this company for knowingly providing inaccurate misleading account information. Even after being litigated against this company continues victimize customers by damaging their credit scores, implicating unjustified excessive fees and interest while creating emotional distress. I have also included their most recent dispute investigation results provided to XXXX showing discrepancies in balance, payment amount and date of which is being reported to XXXX and what is actually conveyed to the consumer. I ask that you take a stance against this company and hold them accountable to act in accordance with the law. Please delete the disputed item immediately to prevent further damage
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| 11/08/2018 |
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 emailed First Investors Financial Services on XX/XX/18, Due to the Harassing Phone calls that I received during the day.
As I previously advised a collections Rep about the amount of Voicemails that were being left on a daily basis on a single phone number.
Calling from different numbers all day long. Phone numbers that are near my own phone number or on XX/XX/18 called from my exact phone number ( spoofing calls ) .This company is based in the XXXX Area and Georgia Area . So why am I getting calls from XXXX, XXXX, XXXX area codes? disguising phone number to collect a debt. Then getting text messages from the company when I did not give the okay to contact me by text message on my cell phone. I also received several emails to my email address advising me to contact the company about my past due account.
I have been open and honest with this company about the struggles that I have been going through the past few months and still maintain keeping a payment coming in monthly.
So on XX/XX/18 : I emailed the company about the unfair debt collection practices that they are doing, I got a email back from XXXX XXXX, who stated that he would put my account in a " do not contact status '' and would review the call recordings .Well today XX/XX/18 : I have received Text messages and emails about my account. I did email Mr XXXX back about the issue and advised at this point ive given them the opportunity to fix the situation but that I was at this time going to report them to the CFPB and the Attorney General for further investigation.
This company is in Violation of FDCPA policies and procedures.
I do have said emails and copys of my phone log as well.
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| 09/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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I emailed regarding a late payment that was made. Requesting a 'goodwill ' adjustment because it was reported to the credit bureau as a late payment and we have been working our butts off to pull our credit out of the gutter and restore it from bad choices made as kids. As seen by my 17 % interest rate we really need this adjustment made. We have made all other payments ON TIME or BEFORE the due date and to be told that this will not be adjusted off is very discouraging.
My husband pays all of the bills in our household and he was out of work for ONE MONTH with XXXX. I can provide all of the supporting documentation needed for this. I have reached out to the lender letting them know we had a financial hardship and our timely payments prior to this matter should have been more than enough proof of that. In turn I received what seems to be a pre-generated response : We have received your request for a goodwill modification of the account information on your credit file. While we are sensitive to your request, due to our commitment to furnishing accurate information, we are unable to grant your request for a goodwill modification. That being said, if you believe that we have reported inaccurate information concerning your account to any consumer reporting agency, please send us a dispute notification indicating the specific information that you believe is inaccurate along with any relevant information that supports your dispute. The dispute notification should be sent to First Investors Servicing Corporation, Attn : Compliance Department, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX.
Please assist us in this matter.
Thank you.
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| 03/10/2018 |
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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In XX/XX/XXXXc my husband and I went to XXXX XXXX XXXX XXXX in XXXX WV. I traded my car in for a XXXX XXXX XXXX XXXX. Upon them running our credit they came back and let us know we were approved through a lender called Firsr Investors Financial Services. My payment was in the {$500.00} range. Upon signing the contract with XXXX, the Finance manager told us our magic word was going to be yes he told us that First Investors would be calling us and asking various question about the vehicle, such as Does it have running boards, does it have a sunroof, does it have a toe package? The finance manager told us the only way the loan could get approved is if we lied and said yes to all of that. Despite my better instincts I followed his advice. My husband was laid off in XX/XX/XXXX, we decided to voluntarily let the XXXX go back due to financial difficulties and we had already exhausted all our our extensions with First Investors. According to my credit report, our vehicle loan was charged off and sold to XXXX XXXX XXXX, however we havent recieved anything from them or First Investors stating where it was sold and for how much. Ive tried to contact First Investors via email and phone but havent had any response. According to my state, WV, limitations, a company has 2 years to get you the auction information on the balance of a vehicle thats been repossessed. My husband and I are still waiting. We feel like since its been this long it should be removed from both of our credit reports, and the loan contract we signed was for a XXXX XXXX that had all the bells and whistles, not the one that was repossessed.
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| 10/02/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Shopping for a loan or lease
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Web |
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I received a letter dated XX/XX/XXXX from First Investors Financial Services , Inc. stating that my request for an Auto Loan Refinance was denied due to information obtained from XXXX, a consumer reporting agency. I did not, nor have I ever, requested an auto loan refinance with this company or any company. I purchased a new vehicle in XX/XX/XXXX and it is financed through XXXX and I have no intention of refinancing. I called the company today XX/XX/XXXX to discuss how this could happen, but was told they had no record of this under my social security number and that the social listed on the application was different, but they would not provide any further information. When I requested to speak to a manager, I was told I could not and that they would not provide any further assistance. I then requested my XXXX credit report to confirm if in fact an inquiry to pull my credit report did occur from this company and confirmed it had on XX/XX/XXXX. This is 1 ) an invasion of my personal privacy ; 2 ) damaging to my personal credit record/score and more importantly 3 ) a violation of the Fair Credit Reporting Act ( FCRA ) as this company had no right or legal " Permissible Purpose '' to pull my credit report. The whole purpose of this regulation is to protect consumers such as myself, so there must be action that can be levied against this company for misuse of their authority. I filed a dispute with XXXX today and have filed this complaint with the FTC and the CFPB in an effort to determine what I can do to prevent this from occurring again to myself or others. Thank you for your time.
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| 12/13/2018 |
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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Due to unforeseen circumstances we requested a payment reduction for our XXXX XXXX XXXX. We spoke to a XXXX XXXX and she was to be handling our account. We email her XXXX pay stubs and bills that she requested. This was on XX/XX/XXXX. I continued to send messages up to XX/XX/XXXX when I spoke to a XXXX XXXX who advised me that XXXX XXXX was no longer with the company. During this time period my husband and I received daily phone calls about the XXXX. On multiple occasions we would answer the phone and speak to a representative up to XXXX times in a day. Their excuse was that they use an automated computer and they could not control who it calls. Not one of these representatives bothered to read the file to see that our case was being handled. I forwarded the documents to XXXX on XX/XX/XXXX and made several attempts to contact him about the status. Still receiving daily annoying calls, which I would answer XXXX it was XXXX XXXX with an account up date. XXXX XX/XX/XXXX I received a phone call from a XXXX XXXX who informed me my account was XXXX past due. He had no information regarding the XXXX previous individuals. I once again forwarded the documents to XXXX XXXX. I emailed him and he stated that he sent the documents on to be reviewed. I am aware that they are not legally allowed to call me several times a day, or cause my phone to ring endlessly! They however do not think this law applies to them. I asked them not to call me unless it was about the payment reduction. They claim I am removed from the automated system now after I made several complaints.
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| 03/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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We got a car loan through First Investors Servicing Corporation on XXXX/XXXX/XXXX. My husband lost his job XX/XX/XXXX. We paid up until we asked for 2 differed payments, which we were granted, but after that we were unable to catch up and pay on time. In XXXX XXXX, we gave the car back to them because they would not work with us. We were hoping to refinance through them, but we were told that is something they do not do. When we got the later stating what we owed left on the loan, we were taken back on the amount. It was extremely high! Even with late fees, we were floored to see the balance. We began investigating our account and found out that when we paid, AND current, different amounts went to the principle amount towards the loan. Every month up until XX/XX/XXXX, had a different amount. One time, only {$5.00} went to the principal. Seriously ... {$5.00}. We contacted a lawyer and found out that in XX/XX/XXXX, First Investors had already been fined XXXX dollars for doing the same to others AND false reporting to all XXXX credit bureaus. The lesson has not been learned. Now they have added on more fees and costs and now we owe more on the car then we even took the loan out for! They are bad, bad people and have no right in giving anyone a loan. Please stay away from this company and if by chance you are stuck with them right now, I seriously advise you to take a good look into your account and even check the credit bureaus. We are now loacting an attorney to help with deceptive trade practices, because this is what they are doing. Thank you.
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| 10/31/2019 |
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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My account with XXXX XXXX XXXX XXXX was recently report falsely 30 days late for the month of XXXX even though at the time I was in the process of filling an extension which was granted and I was told they would not report a 30 day late. At that time I wanted to be better safe then sorry so I asked for a letter and the representative I spoke with told me not to worry and I have his word that they will not report a 30 day late.
I believed that representative but found out a month later that they did in fact report to all 3 credit bureaus a 30 day late. I was able to find out this information through XXXX XXXX.
I then called several times and I was told the only person that can help me is an individual named XXXX XXXX who is a manger of the entire credit department. When I spoke to he it was as if I was speaking to a robot as she did not listen, spoke over me, proceeded to tell me she could not help me and told me they can not give charity out.
Needless to say I was very upset and asked to speak to her manager at which point she hung up on me. I then called back several times at which point I was told her manager 's name is XXXX XXXX XXXX who would only communicate to me through email even though I repeatedly called him with no response. He did respond saying that he could not help me and they have helped me in the past and I was luck that I received that and was very cold and rude through his emails.
Please help me on this matter as I am very unhappy and I still have not resolved this issue and nobody is calling me to resolve.
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| 02/21/2019 |
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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On many many occasions we have contacted the finance company and gap Insurance company to try to resolve the issues and each and every time has been a failed attempt to correct. In XX/XX/2014 we purchased a XXXX from XXXX XXXX in XXXX NC and within a short period of time the vehicle was totaled in a car accident on XXXX XXXX in XXXX which for starters wasn't our fault and in the process of the insurances handling their business we somehow ended up with a {$600.00} +/- fee on our hands. Ironically enough we purchased a 2nd vehicle from the same dealer just a used car this time instead of new and the issue of the outstanding balance came up and we financed the extra and it never was applied and it is now on our credit reports and when I disputed it with XXXX after all these years it somehow went to {$780.00}. Then the used car we purchased we had for roughly 3 years or so and it got totalled as well and it was also fully insured and had gap coverage as well and somehow we got stuck with a {$6800.00} balance which is now on our credit reports. My wife got them to remove it on her XXXX but it still shows on her XXXX, and it shows on both for mine. We really don't see why we are the ones being shafted when we took all the proper steps to make sure we were covered in case of these types of events. I/we own a business now and these type of problems are really holding me back as lenders look at this as a repo. We really need some resolve. Thank you.
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| 03/03/2017 |
Yes |
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- Incorrect information on credit report
- Account terms
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Web |
Servicemember |
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I have been having issues with first investors since XXXX. I have disputed this account several times and even reached out to first investors in an effort to settle the debt, but no agreeable arrangement could be made, and any help in this matter would be greatly appreciated. I had an auto loan with first investors since XXXX, and I have paid faithfully until XXXX. In XXXX I began to notice that my account balances to raise instead of dropping and other inflated charges began to appear. I called to inquire about account balance and was consistently met with hostility. with no other option available in XXXX refused to make any further payments until an audit of my account was completed. first investors finally repossessing the vehicle mid XXXX and selling it. I started disputing the information reported to the credit bureaus immediately. with every dispute The debt came back as valid. upon hearing about the lawsuit XXXX lawsuit between the CFPB and First investors, I reached out to FIFS in an attempt to settle my account but FIFS would not respond. This issue has been a major issue impacting my credit since XXXX and I believe I have made every every attempt to resolve this issue. Any help with this issue will be greatly appreciated.
I have attached the most recent copy of the information reported to experian. showing over 4 years of on time payments at {$510.00} with over ( {$30000.00} ) invested in the vehicle.
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| 05/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I contacted XXXX XXXX and 1st Investors Financial SErvices about several inquiries that are on each one of my credit reports from their company. I explain that the inquiries were not authorized by me. During the times the inquiries were made I was in XXXX XXXX getting ready to move the following month I had no need to be shopping for a car in Missouri, I also advised the rep that I was a my ex had used my identity before and that could have been the case. I asked the rep to provide me with the original document with my social security number and signature proving that I made the inquiries, because their company is reporting the inquiries in the sate of TEXAS I have the RIGHT to request VERIFICATION of how they received information. XXXX XXXX sent a letter back dated XX/XX/17 stating that I had to contract the dealerships to get a copy of the original contract, hence the dealerships are in XXXX XXXX Missouri. I called the dealership and they said that they destroy contracts unless they are approved. I told them that I never came into their office and applied nor did I apply online they told me that I had to contract XXXX to get the inquiry removed. I am tired of going back and fourth to get something removed in which I never inquired about in the beginning. This inquiry alone with a dozen others are causing my credit score to decrease and I want these inquires removed from all there reporting agencies immediately.
|
| 09/05/2019 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
I was late on my monthly payment - the company offered me a plan to pay a lower amount - instead of {$420.00} I was supposed to pay {$350.00} for six months. The company asked me to send some documents by fax like proof of salary, insurance - I did it twice and they said the documents were not legible - after that they asked me to send the documents by regular mail to an office in XXXX - I did it and they insisted those documents could not be read - they asked me to pay {$600.00} dollars but when I tried to pay they said they can not accept the money because they were having problems with the computer. Every time I offer to pay they refused to accept the money, and instead accepting payments they threaten me that if I dont pay them XXXX XXXX dollars they will repossess two cars. I offered to pay them {$450.00} dollars every two weeks and the company refused to accept the money. I dont want the plan they offered me - I just want the company to accept my payments every two weeks but I can not do it online and they dont accept the money by phone unless is the whole amount of XXXX XXXX dollars. I have the names of all the employees with whom I have been in contact with and I have the impression their behavior is like the strategy the XXXX XXXX employees had from their bosses to make the situation worse for the people with mortgages that led them to lose their property and even the health of their children.
|
| 03/23/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
For the last few months I have been told verbally ( recorded line supposedly ) that I would qualify for another deferment ( 2 month deferment ) to help me get my loan caught up as I have been paying one month in arrears for months. I was told to just keep making a payment monthly even though it 's behind and I would qualify in a " couple '' months. Well today, I asked for that deferment and was advised that I do not qualify until XX/XX/XXXX for another one. She only advised me of XX/XX/XXXX after I threatened to file a CFPB complaint. I feel completely mislead by this company. I advised them that they need to coach their representatives not to state a " couple '' months to customers when referencing when customers will be qualified as this misleads the customer to thinking that they will qualify and can get back on track soon. I have been going through a divorce and not getting child support ( child support will be court ordered XX/XX/XXXX ). I pay daycare and all child expenses on my own. I have struggled the last 6 months, yes ... but I felt there was help again as I was advised I would qualify for deferment in a " couple '' months. Please feel free to listen to the recordings where XXXX representatives the past few months and this month have advised me that I would qualify in a " couple '' months. Only when I threaten a complaint do I get an honest answer.
|
| 10/08/2017 |
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 |
|
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX, & 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 Act15 USC 1681n ( a ) ( 1 ) ( 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. 15 USC 1681n ( a ) ( 1 ) ( 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 letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
|
| 08/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
As of XX/XX/2021, FIRST INVESTORS SERVICING CORPORATION is reporting a balance on auto loan of {$17000.00} but when I login to my online account it's show a payoff balance {$16000.00}. But this is not reflected in XXXX, XXXX and XXXX respectfully this improper reporting has caused my credit scores to a continuous downward spiral over over ( 7 ) months period. FIRST INVESTORS SERVICING CORPORATION also note in their reporting upwards and downwards trends in balance in my account these varations cause my score to flucation constantly. FIRST INVESTORS SERVICING CORPORATION also add or remove mark in their reporting to the credit bureaus again having effect on how points added or subtracted on each report. This practice by FIRST INVESTORS SERVICING CORPORATION show how this practice show how spread behavior on the part of their improper reporting trends. Over the last several months by score has dropped between 70-80 points due to FIRST INVESTORS SERVICING CORPORATION REPORTING TACTICS.When I spoke with the credit department about this matter I was informed this matter should be taken up with the ( 30 major creditors bureaus, again they knew nothing about the remarks on my credit report. This matter needs to investigated and FIRST INVESTORS SERVICING CORPORATION needs to be held accountable for this improper tactics.
|
| 02/13/2019 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
I sent a complaint on XX/XX/XXXX reguarding incorrect information on my credit report. This complaint ID is XXXX. My dispute nor my complaint was regarding balance details.
I am aware that a trade line must be a XXXX balance once it is transferred. This is was not my complaint. I did not request to know the information on who you sold/transfer the debt to.
My complaint is to challenge the payment history that is showing up that this account was late inXX/XX/XXXX. ( It was not ) Your reporting says that my report shows a K or repo - indication in XX/XX/XXXX. ( It was not repossessed in XX/XX/XXXX ) The reason for me citing my Chapter XXXX Bankruptcy is because your company still reports that this is a current charge of an that I CURRENTLY have this as a status on my credit report. Other reports show status as No data/ This is inaccurate.
Your reporting also shows that my last payment date was XX/XX/XXXX. If your reporting is CURRENLY accurate, how can this trade line be K in XX/XX/XXXX, but then have a payment from me on XX/XX/XXXX?
Which is it?
Did the account K in XXXX?
Was my last date of my activity in XX/XX/XXXX?
Your reporting is all over the place. This is why this account must be removed!
Due to this I want this trade line deleted. It has been more than 30 days from my initial disputed.
|
| 08/07/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I submitted a complaint in XXXX of this year because they refused to help me when I was behind. They offered me a fresh start program. I submitted the paperwork immediately only to be informed that it was most likely " lost on the managers desk '' so I submitted it again when I got a letter after jumping hoops and talking to manager of fresh start department. I scheduled a payment and was told it was all set up. Then I go out of town last week for my gmas funeral. I notice Saturday that my payment did not come out. I call within the grace period of my loan to make a payment to be told the grace period no longer exists when in the program. I was never informed that. I am so confused on whether it was set up correctly even. This company is so confusing and never mail paperwork on policies or send confirmation that you are set up so you just have to wait and see. My payment was scheduled when it was all set up. Why did n't it get processed and even when it was n't processed ( their mistake ) why do n't I have a grace period?!! I am so confused. I can pay my loan on time. I want bi-weekly payments withdrawn automatically with my debit card on my pay dates from them. Then I can avoid this all. This is the second time I 've asked for that.
|
| 12/27/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I just received a letter in the mail threatening reposession if I did not make a payment within 13 days of the date of the letter. The letter was dated XX/XX/2020. I did not receive that letter until XX/XX/2020. I can verify this with informmed delivery through USPS.
I have been trying my best to get back on track with this loan. I have been making at least one payment a month, but that is not helping my past due balance. I communicate mostly through email due to a an auditory processing disorder. I can show email after email of me begging for assistance without any reply. I had been out of work due to covid and then had my wallet stolen and my accounts drained. During this time I was still making at least 1 payment per month in XXXX, XXXX, XXXX. I am able to maintain regular payments at this point but I can not clear the large amount past due. I've asked that it be tacked to the end of the loan, no response, I asked that the amount be divided up and added to my monthly payment, with no response.
I told the company that if I couldn't work something out I'd have to file bankruptcy and it seems they immediately sent the demand letter after that.
This is my only vehicle. I'm just trying to save it and keep driving.
|
| 06/16/2020 |
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 |
Older American |
|
First off I never missed or was late with a single payment to this company. The loan was sold to them and same is true for previous loan company. The loan was paid in full on XXXX. When I initially contacted them they stated they needed 30 days to ensure everything went through and was processed out. Whatever that means.
I gave them the 30 days and contacted them, I was told it was not processed, via email, and I would have to contact the title department but was given no contact email or phone. When attempting to call them I was placed on hold twice and both times disconnected. Further emails went either unanswered or triggered response with no follow-up.
I realize they may attempt to use the current global issues as an excuse to not do the right thing, however, would like to remind them NOT ONCE did I receive any communcai0otn stating they would work with me in these troubled times. No notice from them, as I received from every other company I have financial dealings with, so to use that as an excuse would be deplorable.
All I want is my title, I paid for it and was prompt with payment. They need to do the same. My email address is XXXX. this should allow them to look into this
|
| 05/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I used XXXX to view my credit score for free. The site kept asking my why I am checking my score. I chose anything in the drop down menu in hopes it would stop asking me the reason for checking score. after I chose auto refinance which was picking anything it asked me a series of questions. I answered them. It did NOT STATE IT WAS SUBMITTING AN APLLICATION TO LENDERS FOR ME! I t did not even ask me if I work or what my income is. I gave No pertinent information to incline it was an application. Next thing I know I am receiving emails from companies about an " application '' submitted! This put a hard inquiry on my credit report. I did NOT authorize this application!
I am in the middle of applying for a mortgage and would never apply for credit at this time. I called the called the companies and explained this. They are not willing to remove the inquiry from my credit even though I did not know it was an application. I have called XXXX and complained to them about their site. They make it look like a screening tool when it is actually submitting an application. No where on the site did it ask If I would like to submit an application. very misleading and I want the inquiry removed.
|
| 04/19/2020 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I surrendered an automobile financed by first infesters they auctioned off car and said I still owe XXXX they then garnished my wages for wrong amount that was paid off and I didn't hear anything from them until six years later when XXXX says they bought a XXXX debt I didn't know I had and place this one my credit as a new delinquent account that I made a recent payment for XXXX on I've never talked to anyone from this company and never opened an account or paid them anything but the damage to my credit from this so called new account as cost me my first home it's showing now as three different XXXX debts with different open dates also XXXX XXXX shows open account that's delinquent also missed payments all show the impact to credit score doesn't fade XXXX XXXX also shows open delinquent account under 12 first financial name this is also a fake name / company just to keep the six year old debt fresh best part is after the garnishment not one of these companies have reached out to me not once in six years of higher interest rates and denied applications inflated auto insurance all because three companies show different information a spread it out so damage continues.
|
| 01/31/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Servicemember |
|
I just got out of the XXXX XXXX after 6 years of service, i have medical XXXX including combat XXXX. I went to bill XXXX in XXXX for a vehicle and i wanted the XXXX it was a bit high priced but they said it would be paid off in 3-4 years not i got this auto load i pay XXXX a month at about 19 % interest. I have paid over XXXX dollars and it shows on my account i only paid about XXXX k from my original loan amount.I am using my XXXX pay for this vehicle i was under the impression i would be paying for another YEAR OR TWO AND BE DONE. but now my contract is almost 7-8 years long and the new XXXX are cheaper than what mine is. I desperatly need help i am a divorced father or XXXX kids and not my first experience buying a vehicle from a dealer i get completely taken advantage of. I feel insulted to know i have done everything for my country to see XXXX person ruin my entire life because of a car. my original amount is almost XXXX i paid over XXXX k and it only shows the principal amount to be XXXX i pay to own. at this rate i will pay XXXX for this vehicle. I thank you for reading and XXXX i hope you can help me please.
|
| 03/15/2018 |
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 |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ga, XXXX XXXX On XX/XX/XXXX, XXXX, I called 1st investors to pay off the remaining balance of my car, XXXX, XXXX XXXX the remaining balance was {$1100.00}. Because of the payment system they had in place, I had to pay two different totals. Both transaction id 's are : XXXX Fee of {$13.00} XXXX Fee of {$13.00} The person I spoke to was XXXX, XXXX, ext. XXXX After several months I receive a letter stating that I still owed {$100.00}, per XXXX. I have talked to them, I have had the XXXX talk to them. After all this time, no one can tell me where the {$100.00} came from!! As of XX/XX/XXXX, The balance has increased to {$150.00}!!
Why would I pay off my loan and not pay off {$100.00}. I need my credit report to reflect this and I need my title!
During the times I tried to fix this, I spoke to a XXXX and XXXX at XXXX, a collection agency. They had no record of it. I also spoke to a XXXX XXXX, who works in Legal with 1st Investors, and she was the one who told me to talk to the above collection agency. This was approximatey XXXX of XXXX
|
| 06/02/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
In reviewing XXXX XXXX credit report, I found that first investors financial service corporation placed the incorrect balance amount along with the duration period of the false balance on my XXXX report. I currently have a pending investigation with CFPB open with their debt buyer XXXX XXXX XXXX, in which they requested 60 days to get the correct balance resolved. Within those 60 days, my first investor financial services credit report balance increased to the loan origination amount. ( indicating that my high loan balance was XXXX ) Please be advised that payments were made throughout the lifetime of my loan. It is basically showing I have n't paid anything. I had gap insurance, along with my car was sold at auction XXXX/XXXX/2014. None of those credits were applied. Based upon the consent order dated XXXX/XXXX/2014, first investor financial services was ordered to pay a XXXX XXXX dollar fine based inflating delinquency amounts. The only difference in this matter is first investor financial services was n't able to inflate my delinquency balance on XXXX and XXXX, they used XXXX.
|
| 03/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
On XX/XX/XXXX I entered into a contract with the car dealership, XXXX XXXX XXXX in XXXX Illinois an the finance company, First Investors Financial Services.
I began having issues with the car breaking down right after the warranty period had expired. The starter replaced, the alternator replaced, it kept blowing tail light bulbs due to bad wiring etc. It got to the point I could not afford to keep putting money into the car and to make the car payments.
In XX/XX/XXXX I called an surrender the vehicle. They came an picked up the vehicle in XX/XX/XXXX.
Have not heard a word from the car dealership or the finance company until today, XX/XX/XXXX, when I received a summons to appear in court.
I believe they have neglected their duties and failed to notify me when the vehicle was sold. They haven't made any attempt to try an collect this debt any other way except to wait almost 18 months an out the blue decided to take me to court.
I believe that XXXX XXXX XXXX in XXXX Illinois along with First Investors Financial Services of XXXX Ca. are practicing predatory lending activities.
|
| 07/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I had a loan with another company the interest was high over 25 % I wanted to find a better offer, I applied on XXXX I was approved for a loan with 1st investors finance, I had originally applied for a monthly payment of {$440.00} after I went through all the steps online I was asked only to print a registration transfer and mail it in. So I did. In XX/XX/2019 my loan amount shows {$600.00} monthly I called XXXX and 1st investors more then 100 times with emails to complain this is not the loan I wanted. I advised them why would I accept something worse then what I originally had. Every time I am to blame by XXXX even on their website no information was provided about this new loan. They told me they have a glitch on their system I told them they sure do because I did not ask for this loan of XXXX monthly. I have an illness a life XXXX XXXX that I can not afford payments of this amount and would never signed or agreed on such. I just want out of this loan this scam. After XXXX months they send me a truth and disclosure notice I have never seen before.
|
| 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 |
|
|
I PREVIOUSLY HAD A LOAN WITH XXXX XXXX XXXX FOR A XXXX XXXX. THE CAR WAS REPOSSESSED IN XX/XX/XXXX. I NEVER RECEIVED ANY NOTIFICATION OF THE CAR BEING SOLD ; NOR WERE I ABLE TO RETRIEVE ANY OF MY PERSONAL BELONGNGS THAT WERE IN THE CAR FOR MY XXXX KIDS AND I. I RECENTLY CINTACTED FIRST INVESTORS ; THEY STATED THAT THEY WROTE OFF THE LOAN ON THEIR TAXES AND SOLD THE DEBT TO " XXXX XXXX ''. WHEN I CONTACTED XXXX XXXX ON XX/XX/XXXX FOR DOCUMENTATIONS AS OF HOW MUCH THE VEHICLE WAS SOLD FOR. THEY STATED THAT THEY DID N'T HAVE TO DISCLOSE ANYTHING TO ME. TODAY " XX/XX/XXXX '' ; XXXX XXXX XXXX XXXX. CHECKED MY CREDIT ; WHICH I DID NOT AUTHORIZE. I CONTACTED THIS AGENCY TO LEARN THAT IT IS " XXXX ''. I WAS TOLD THAT THEY DO N'T HAVE TO GET MY PERMISSION TO RUN MY CREDIT, AND THAT THEY ARE GOING TO SUE ME. YET, THEY REFUSE TO VERIFY THE DEBT ; I HAVE SENT EMAILS, AND CALLED SEVERAL TIMES TO NO AVAIL. THEY ARE ILLEGALLY RUNNING MY CREDIT INFO, AND FIRST INVESTORS REFUSE TO REMOVE THE DEBT BEING THAT THEY SOLD IT TO THIS COMPANY.
|
| 06/24/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
On XXXX I acquired an auto loan from First Investors XXXX XXXX, GA. The loan was for 72 months. The loan should have been paid on XXXX. I contacted First Investors on XXXX and asked about the pay-off on the loan. I was shocked when they told me that I still owed {$9000.00} on the loan! They claimed it was for deferred payments and late fees. So I paid and another year later I still owe {$8000.00}. on this vehicle and if I do n't pay it they will repossess it. I can not even trade the car in because there is so much negative equity on the vehicle that a car dealership/bank wo n't touch it. XXXX car dealership told me the car is only worth {$1500.00}. I 'm at my wits end. I ca n't get anyone at First Investors to return my phone calls. I really need some professional advice. The last time I actually spoke with a person from First Investors, I told the person that I was contacting the CFPB and they just laughed at me. I just feel so overwhelmed. Thank you for any advice you may forward to me.
|
| 03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX someone other than myself submitted a credit inquiry for XXXX. I do not recognize this inquiry Ive attempted to reach out to XXXX and the creditor since XXXX of XXXX and nothing has been resolved.
On XX/XX/XXXX someone other than myself submitted a credit inquiry to First Invst/SVC XXXX. I contacted XXXX and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end.
On XX/XX/XXXX Someone other than myself submitted a credit inquiry to First Invst/SVC FIRST. I contacted XXXX and the creditor to dispute this over the phone in XXXX of XXXX and its still on my credit report. The creditor indicated no credit inquiry appeared on their end.
On XX/XX/XXXX someone other than myself submitted a XXXX XXXX XXXX credit inquiry I reached out to the creditor but they directed me to the credit bureau. I contacted XXXX to dispute this over the phone and its still on my credit report.
|
| 10/03/2017 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I send letters to all three credit bureaus requesting validation of several accounts including one listed on my report from XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. I received paperwork approximately on XXXX/XXXX/XXXX of a contract and payment history and total amount owed. I then checked my credit reports and noticed they had updated information on the collection increasing the amount from {$8200.00} to {$13000.00} and reaged debt stating last payment received XXXX. None of the information reported on my credit file coincides with the paperwork the company sent me. This intentional report of inaccurate information is negatively affecting my ability to get school loans for my child, jobs, purchase a home, and/or reasonable interest rates on credit cards.
Also XXXX continues to report inaccurately on my credit as late when I actually paid debt off with credit agency that they sold the account to. I have made several requests to remove inaccuracies but they still have yet to do so.
|
| 02/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I purchased a car from XXXX XXXX XXXX in XX/XX/XXXX this company was sold to First Investors around XX/XX/XXXX. I have disputed the late payments being reported from XXXX XXXX XXXX to First Investors. I received a notice stating that First Investors verified the information from XXXX XXXX XXXX and the payments are accurate, and have been verified. This is untrue as no one works in XXXX XXXX XXXX any longer. I discovered this from doing research on my own. The company has dissolved. I spoke to a rep from First Investors that stated that they verified the payments going back to XXXX as they used records that XXXX provided them. My question is how can this be validated and verified as XXXX reported the information incorrectly. This would make the entire payment history of late payments unverifiable and unable to be validated. There are many incorrect payments statuses on my credit report that XXXX XXXX XXXX posted but it is listed under First Investors.
|
| 08/28/2021 |
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
|
|
Web |
|
|
This is in regard to late payment notices sent to all three CBRA 's by FIFSG. Please remove those notices. FIFSG claims to have a program to help its clients keep current and those that have fallen behind. Due to COVID-related unemployment and issues with CA EDD which I informed the company 's Account Manager, I would need to arrange payments at a later date which I did and made certain they were kept. The Account Manager stated that this would not be an issue and did not state that this would place a negative mark for late payment on my account. I paid the back due and prepaid the next due payments to keep my account ahead. In complete contradiction to their commitment to not penalize me, they placed late payment notices on my CBRA 's. This is dishonest and a violation of FCRA which states that they are required to inform a customer of a negative action that will be taken when questioned about the repercussions of making a payment arrangement.
|
| 11/09/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
First Investors Financial Services have stolen our auto loan payments and have not applied very many payments towards our loan balance. We refinanced our vehicle with them in XXXX 2015. Due to the theft regarding auto loan payments our balance has not been adjusted except on rare occasions. Which proves that the payments are stolen and not applied to loan balance! This situation has caused our credit scores to be terrible as they have ruined our credit! Let alone the amount of money missing that should have been applied to auto loan balance in order for the balance to be correct! So-what is going on with our auto loan payments -- -theft!!!!! This company has a bunch of thieves working for them and I believe the company should be shut down due to this fact! We have also made duplicate payments on a couple occasions and still balance remains the same! First Investors Financial Servicing Corp-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX.
|
| 09/25/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I obtain a loan from fifsg in XX/XX/2013. My payments did not begin until XX/XX/2013. Ive made payments before the due dates or sometimes 5 or more days after the due date. However, in XX/XX/XXXX I requested a different date for payments in writing, which was granted to the XX/XX/XXXX of each month. However even though I was granted the request I still continue to receive late fees and reported to the credit reporting agencies I was more than 30 days past due when I was not. I carefully look at the payment history and realized not one single payment was 30 days past due. Also they also stated they ran a check through my bank and it was returned when they never did had to get on a conference call with the bank and they confirmed no check ever came through my account.But still had reversed payments posted to my account.They also continue to harass me each month about payments that were not past due by phone and email.
|
| 11/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by FIRST INVESTORS FINANCIAL SERVICES , INC . I was notified of this transgression of my rights, specifically 15 USC 1601 The Truth in Lending Act, by FIRST INVESTORS FINANCIAL SERVICES , INC. on 10/25/2021 via U.S. mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by FIRST INVESTORS FINANCIAL SERVICES , INC. adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to { {$5000.00} }. FIRST INVESTORS FINANCIAL SERVICES , INC. is now civilly liable to pay me for the damages. My credit card was charged and I did not benefit from the transaction at all. Registered Agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX.
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| 09/27/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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While being XXXX to help out with Hurricane Harvey. I wasnt getting paid as much since we were under state orders. Also since I was on military leave from my job I wasnt getting paid as much at all. I relayed this to the finance company everytime. They knew I was XXXX and I relayed to them that I was protected under the sailors and soldiers act. They sent correspondence to my house saying they looked up some database, that shows if youre XXXX or not. I continued to tell them they couldnt pull information like that. After picking up the vehicle, I never received any correspondence of how much they sold the vehicle for, or anything after the vehicle was picked up. I just received a bad derogatory mark on my credit report showing an amount from not even possible after having the vehicle for 5 years, and only 2 more years left to pay. This account reported has too many inaccuracies.
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| 10/02/2019 |
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 |
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On XX/XX/XXXX I attempted to get my current auto loan refinanced through a company called XXXX XXXX XXXX. After I submitted my request and providing them with all relevant information to pull my credit, I was told that they could not assist me in refinancing because of supposed high risk. I accepted that and moved on hoping later to get financing from another company or bank.
On XX/XX/XXXX i received an alert from XXXX telling me that my credit has decreased and that an new hard inquiry was placed on my credit report. I looked and saw it was a company hat I have never heard of before. A company called First Investors Financial Services. I never gave this company any of my information neither did I sign any forms from them giving them access to my credit report. I believe that my information was sold to this company by XXXX XXXX and my rights violated as a result.
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| 11/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
|
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I refinanced our truck loan with 1st Investors Servicing Corp and never paid a late payment. Our truck value was almost a loss compared to the amount of my auto loan. I entered into a settlement ( XXXX 2012 ) to payoff off the loan at a lower amount with out impacting my credit. I worked with XXXX XXXX ( Settlement Dept ) and he even had an appraiser come to our house to value the truck. I provided the payment that was agreed and my credit was not to be impacted. I have a written letter from 1st Investors with the details. Now almost 3 years later 1st Investors just started to report to the credit bureaus late payment and a charge off status, prior to this the credit reporting was not negative. They have breached their written settlement agreement. I 'm trying to refinance my current auto loan and this has impacted my credit ratings with all XXXX agencies.
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| 09/17/2019 |
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
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|
Web |
|
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Whom it may concern I was involved in an accident in 2016 and my car was stolen and was a reported as Complete loss my insurance issued them a check and I thought the issue was resolved First investors then reported to my credit I owed XXXX I then contacted them to find balance was owed and I told them I had no idea I then confronted them about the reporting and they basically said tough luck so I went to the XXXX XXXX XXXX and then received an email from first investors promising to remove the negative account. I have been fighting with this company for years. Please provide documentation or proof of my signature showing that I knew of the remaining balance previous to them reporting it. If documents can not be provided please remove if not I will be seeking legal assistance in this matter as its affecting my life I can not purchase anything
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| 04/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
|
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On XX/XX/21 First Investors Financial Services Group performed a credit check without my consent and it resulted in a hard inquiry on my report.
My husband has an auto loan with this company. However, I DO NOT. Nor am I a cosigner, nor do I have anything to do with my husbands vehicle loan. I am also not car loan shopping as I already have a vehicle.
First Investors Financial Services Group had not a single reason to be pulling my credit report. I want this THOROUGHLY investigated as to why this company felt it had any right to view my credit WITHOUT my permission.
Or I would like to see something IN WRITING, giving them permission to pull my credit, because I did not grant any such permission for any reason.
I am in the process of applying for a mortgage and this hard inquiry has done great harm in my ability to receive a home loan.
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| 08/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This is not a duplicate complaint about the issue addressed in complaint XXXX, XXXX or XXXX. First Invst SVC pulled my credit without authorization on XX/XX/2018. This was due to XXXX XXXX sending them an application without my consent. I already had preapproved financing from XXXX XXXX. XXXX XXXX was only authorized to complete the XXXX XXXX application. First Invst SVC has not followed the law which under section 604 of the Fair Credit Reporting Act requires them to provide a signed contract to validate the inquiry had permissible purpose. Since First Invst SVC has failed to correct the issue an FTC identity theft report number XXXX was filed listing them and XXXX XXXX as using my information illegally. I demand for the final time before legal action is taken for XXXX XXXX to delete the inquiry they made on my credit report immediately.
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| 02/13/2019 |
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 |
|
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On XX/XX/2018 I sent out a dispute to the credit bureaus regarding the inaccurate reporting from this account.
This account reports my account currently as Past due, 120+ days late, Charge Off account, update my credit as past late payments from history on days this account was already closed. This is a BIG problem as I filled for Bankruptcy and was XXXX in XX/XX/2018. So all negative information that was described and reported recently account my credit report is VERY inaccurate and is a MAJOR violation of my rights.
It is now over 60 days in to my dispute and this company fails to conduct proper investigations per FCRA section 609 and 611 that if this was done, the incorrect reporting would be deleted. This account fails to research and delete the inaccurate information from my reports.
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| 11/20/2018 |
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 |
|
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I have been contacting XXXX XXXX XXXX who appear on my credit file as XXXX XXXX XXXX numerous of times trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a loan of some sort. On my XXXX report, there are inquires dates of XX/XX/XXXX and XX/XX/XXXX. Neither of these did I authorize or give permission. they are a result of fraud. It is also listed as a finance company within the inquiry info.
the listed contact information I have on the company is XXXX XXXX XXXX XXXX Tx XXXX ( XXXX XXXX XXXX
|
| 04/10/2018 |
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 |
|
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I'm writing about my account with XXXX XXXX XXXX XXXX. Last year, XX/XX/2017, I fell off the back of a tractor trailer and XXXX my XXXX in XXXX, XXXX my XXXX, my XXXX XXXX ( in 2 places, and my XXXX ( in 2 places ).
I struggled to keep up with my bills as I rehabed. XXXX did not offer any accident insurance but never reported me late in payments.
I have been blessed to have returned to work in just 12 months and attempted to refinance out of this high interest loan. For the first time XXXX started reporting late payments after I requested a payoff effectively locking me into the loan.
I have made 2 payments last month and the company is still reporting that I am not making payments.
I requested a correction from all 3 credit bureaus and XXXX reported the payment history even worse.
|
| 12/21/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Called and advised the account was past due and asked how I was going to handle this. My wife had already let them know that we were aware it was past due and we would handle it as soon as possible as we had a family emergency. So when I spoke with them I told the agent i would not be handling this at this time. She then proceeded to tell me fine she will send a tow truck to my home to get the vehicle. So I felt threatened to setup a payment I can't afford at this time due to our family emergency. My wife called them back later to see if the vehicle was out for repossession and it's not even assigned for repossession at this time it is only 37 days past due. They should never have threatened to send a tow truck to my home if I'm not even assigned for repossession.
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| 08/11/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
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.
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| 07/21/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
|
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FIRST INVESTORS FINANCIAL SERV, Account Number : XXXX .... " is reporting a car that I had financed through them in XXXX of XXXX. The car was then totaled out in XX/XX/XXXX and paid in entirety by my XXXX auto insurance. They have then reported late payments for XXXX and XXXX of XXXX and then reported a charge off of {$930.00} I disputed it with the credit bureau 's and they have responded with " Comment : Purchased by another lender '', however, THEY are the company reporting it on my credit and it is not listed on my credit report with another lender. I was n't made aware of this at all. Even still, the information would be incorrect with the other lender as well. I demand that this charge off be corrected and update on all reports.
|
| 01/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
|
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My name is XXXX XXXX, I purchased a XXXX XXXX XXXX in XX/XX/2016 under XXXX XXXX which months later became First investors financial services. When this happend my loan increased, according the company because of the transfer the loaning companys went thru. Since I purchased this vehicle I have had nothing but nightmares with this company or companies. I was not even aware of when the transfer took place. I have also made payments and they say they havent received a payment, at one point they also charged me for a towing service since repo apparently had gone repossess my vehicle. They never repossessed or attempted to, to the best of my knowledge I felt forced to pay the towing fee to avoid future problems and charges.
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| 09/13/2021 |
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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First Investors Servicing Corp is reporting late payments on my account. I have spoken with several First Investors Representatives and explained my hours has been cut tremendously due to the Coronavirus Pandemic. Due to the CARES ACT CONGRESS has enacted the Coronavirus Aid, Relief and Economic Security act that states a consumer whose account was not previously delinquent is current on their loan should continue to report as current.
Prior to the Global Pandemic my auto loan was current, due to the Pandemic I have been late with 2 payments and per the Federal Government and the President of the USA no company is to report late payments to any bureaus if the Consumer is affected financially from the Global pandemic.
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| 09/09/2021 |
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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On XX/XX/XXXX, I received a phone call from First investors stating I was 60 days past due on my car loan, however this was not true. I made a payment of {$2500.00} in XXXX, however first investor charged the {$2500.00} twice, so my financial institution removed {$2500.00}, which left {$2500.00} posted to the account. I explained to the representative from First Investors and they determined it was an error on their end. On XX/XX/XXXX, I found 3 " 60 days late payments '' posted with XXXX, XXXX and XXXX. I called on XX/XX/XXXX and was told they don't see where it was reported late and told me to email them, which I did on XXXX XXXXFirst Investors have failed to respond causing significant damage to my credit rating.
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| 05/13/2019 |
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
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|
Web |
|
|
I did not authorize the following inquiries listed on my credit reports. I wrote a dispute letter to the companies and the credit bureaus.
XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX XXXX, Suite XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/18 XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX I received a response from 1st Investors Financial Services indicating that the inquiries were made at the request of XXXX XXXX XXXX and XXXX XXXX. So I contacted XXXX XXXX XXXX and XXXX XXXX who informed me that they can not assist me with deletion of the inquiries. I did not authorize credit inquiries one week apart.
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| 11/17/2019 |
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 |
|
|
First Investors Financial is claiming my payment was not made in XX/XX/2019. I have proof that my XX/XX/XXXXpayment of {$340.00} was made on XX/XX/2019. This was my final payment to pay the loan in full. It even indicates this in a statement on their website! Yet they claim I was over 30 days late in XX/XX/XXXX on my credit report. I requested an investigation through XXXX and First Investors didnt correct the issue, they left it as if it was accurate. I want them to correct this bogus entry immediately! I would appreciate any suggestions you have to correct this issue. Attaching screen shot of records from First Investors Site backing up my claim.
Thank you in advance for your assistance with this matter.
|
| 09/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
This car was repossessed in XXXX XXXX/XXXX XXXX. The company said if we paid x amount they MIGHT let us get it back. Could not take a chance with a MIGHT and you want XXXX plus dollars to maybe give the car back. I let it go. The company sold this car for about {$2000.00}. They could have gotten way more. They completely low balled this sale and want $ XXXX from me after selling the car. The car was in good condition and I had just put a new transmission in it worth XXXX. The interior was good the exterior was good. No damage whatsoever. I cant believe how much they lowballed this sale and expect me to pay XXXX. This company is unethical and broke the law when they sold a car in that condition for only XXXX.
|
| 12/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
|
| 08/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are hard inquiries on my credit reports for XXXX and XXXX from XX/XX/2020 from various banks. I did not authorize any of these organizations to run my credit and I did not apply for a loan with any of these organizations. I did not authorize any third party to run credit on my behalf. I believe this is an attempt at identity theft. In some cases, there are even multiple inquiries from the same company on the same date.
Below is a list of inquiries on XX/XX/2020 on my XXXX report.
XXXX XXXX XXXX - XXXX inquiries on Same date!
First Investors Financial Below is a list of inquiries on XX/XX/2020 on my XXXX report.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 05/11/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This account was opened up in behalf of my ex wife and she did agree to make the payment. My complaint is that the account is reported as {$29000.00} past due however they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing option proceeds and final balance after all fees applied, the value of the vehicle far exceed the value of this loan this debt should be resolved as XXXX balance and reported as satisfied or paid in full. this account has been reporting inaccurately for the past 3 years and it has been hurting me XXXX credit the entire time.
|
| 04/13/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The credit card company has an obligation as Trustee of the account to file all of the IRS Tax forms related to the account in order to follow all of the XXXX -General Accounting Accepted Practices. I am asking for receipts of those filings. Also it has been established by an Act of Congress, abolishing debt peonage according to public laws attached to the documents below. PUBLIC LAW -Thirty Ninth Congress Sess II Ch 187, 188 1867 Pg. 546. March 2 1867, CHAP XXXVIL.
This company contacted XXXX, XXXX XXXX a private citizen concerning a debt that was purchased from another company. There is no wet ink signature contract with this company. There are deceptive practices occuring.
|
| 07/22/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The company continues to report to the credit bureaus that payments are 30 days late every month. Payment was made late in XX/XX/2019 and instead of reporting the month it was late they instead continue to report XXXX and every month since as being 30 days late which is not correct. I have submitted a dispute with the company as well as a good will request and was denied changes to my credit reports. The company is instead asking me to pay about 2.5 months and claims this will correct things and have me current. I am at the end of this loan, I owe approximately {$3500.00} and they're asking for basically half of that instead of reporting accurate information.
|
| 03/01/2018 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Date : XXXX|15 Amount : XXXX XXXX XXXX XXXX XXXX violated my consumer rights according to the Fair Debt Collection Practices Act. The two sections they violated are 15 U.S. Code 1692e - False or misleading representations and 15 U.S. Code 1692f - Unfair practices.
They served me a summons with the WRONG NAME which is misleading and false. It is also an unfair practice collect a debt! I have taken them to court to get it removed. Because i was a co-signer, and my brother filed for bankruptcy, the judge stated it was out of her courts jurisdiction.
Can you please help me remove this due to the fact they violated some Fair Debt Collection Practices?
|
| 10/28/2021 |
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
|
|
Web |
|
|
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
|
| 11/09/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
It is being reported that I had three 30 day late payments from XXXX, following two 60 day late payments from XXXX. Additionally, it was reported that I had two 60 day late payments in XXXX, when there were two on time payments made in XX/XX/20 and XX/XX/20. Additionally, there were a 30, 60, 90 day late payment reported after two 60 day late payments reported in XXXX. This sequence of on time and late payments are not possible. There is no possible way to have an on time payment followed by two 60 day late payments. This payment skipped the 30 day supposedly late payment and is further damaging my credit report. Please delete immediately.
|
| 10/31/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/2019, my car was totalled. I informed the loan company that the insurance company will be sending them a lump sum payment of over 16,000. I told them to not.take the payment set up for the XXXX. The tepresentarive was nasty about it because I did not have a date when that payment would be sent from the insurance company. I told her I was injured and not able to work and tbe payment will not be in the account. Today, XX/XX/2019, the payment was submitted and it bounced my account. I have to reverse this payment and my account is XXXX in the hole. I told them.2 weeks ago not to.take.the payment. I cancelled that transaction.
|
| 10/14/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
My loan start date was XXXX, in XXXX I applied for and was granted a deferment at which time first inventors told me they would waive the late fees on my account to help me get back on track as this is a very high interest loan at 15.18 % Maturity date was ( contract expired on XXXX ) I paid my last payment on XXXX, this business online portal shows I don't owe anything that my principle balance is XXXX, however they are report to the credit bureau that I am 47 days past due. I have continued to follow up with the business and keep getting different information and given the run around as to why this hasn't been corrected.
|
| 07/25/2019 |
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 |
|
|
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
|
| 03/08/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
XX/XX/2015 according to First Investors Servicing Corporation I had satisfied the principle lender and paid all the concurrent interest payment that was originally applied to my loan. As statement by one of their representative I was paying off the balance. Through fault of my own because of illness being hospitalized subsequently I have on the principle payment of my loan. the problem is that First Investors is now charging me {$4.00} a day interest payment on the principle balance and I feel that is unfair business practices now I owe {$7000.00} instead of the {$5600.00} I owed XX/XX/2015.
|
| 11/17/2019 |
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 |
|
|
A representative from a dealership XXXX XXXX attempted to get me in a new vehicle after bankruptcy. Mr . XXXX was aware of me not wanting to get a new because I reaffirmed my current car. He called me because my info was given to him somehow from when I filed bankruptcy. My credit report was pulled anyways and it shows inquiries from these four companies dated XX/XX/2019 from the following companies : XXXX XXXX XXXX, First Investors Fin, XXXX XXXX XXXX, XXXX XXXX XXXX. I did not get another vehicle and would like these inquiries removed from my credit file.
|
| 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.
|
| 06/02/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
First Investors Servicing will not work with me on payment extension, lowered payments, deferment. I informed them I was fired due to Covid 19 awaiting unemployment claim approval and unable to make my payments. Rep assured me f I called back in XXXX I would either qualify for an extension or 3 months reduced payments when I called XXXX. XXXX arrived when I called they said those programs were discontinued. I had to borrow money from my retired mother to make a payment as they keep calling emailing and harassing
|
| 06/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
XXXX and XX/XX/XXXX and XXXX and XX/XX/XXXX.
Those dates are reporting on my account as being late but they werent and when I spoke with the company they assured me they would be updated in XXXX or XX/XX/XXXX, they were not, I spoke with someone else in XXXX and they said they cant be updated after theyve been put in. Im disputing that they were paid late and would like my account to reflect that. The account has since been paid off, but I still want the information to reflect the on time payment history.
|
| 01/29/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
Hello, This is my second complaint about this company. my first company ID number XXXX when they replied to my first complaint they simply lied through their teeth this is a sham company, please put a stop to their corruption. in my attachments you will find emails requesting that they do not check my credit. in retaliation the same company checked my credit 3 times they claim that i never contacted them before, which is a complete lie. all i am asking is for them to correct what they did wrong.
|
| 09/18/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Servicemember |
|
The vehicle was purchased with an extended warranty that should have covered the drive train. I reported an issue the the transmission and they said the issue was out of the scope of the warranty. This problem later led to mechanical failure of the vehicle. I informed them that I was not going to continue to pay for the vehicle but it was useless unless they would warranty the damage, they refused therefore I surendered the car back to them and it has since affected my credit negatively
|
| 10/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is my second time disputing the late payments for account FIRST INV SERVICING CO # XXXX from XXXX 2021. I had some issues with my income being affected by XXXXheCOVID-19 PANDEMIC SHUTDOWN. I have a legal right to dispute anything that is on my credit report. I am not an ATTORNEY OR THIRD-PARTY REP. I am requesting some accommodations so I care to protect the integrity of my credit file. I am buying a Home this month and these errors are definitely holding back my process.
|
| 04/10/2018 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I received a call from a representative at XXXX XXXX XX/XX/18. I spoke to her for 4 mins. I then received another call from them and they left a message. I called the company XXXX with a supervisor XXXX XXXX she advised me she would coach and address the situation. I then received yet another call at XXXX XX/XX/18 from XXXX. I called back in and spoke with XXXX again advising I know my rights. I feel as if the intent is to continously call and annoy me on my cell phone
|
| 05/08/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Car loan with First Investors Financial is reporting monthly late remarks after being approved for a loan extension. Account should not be reporting as late on credit reports. Also late fees are still showing in online account on their website, and I was told were to be added to the loan extension. A past due amount is reporting erroneously on my credit reports. And I am continuously robocalled numerous times a day about making a payment when my account is current.
|
| 10/21/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I made a double payment in which one of the payments was applied towards the principal balance as it should have. However, the second payment also was applied to the next monthly payment. The second payment should have reduced the principal balance that interest is being charged against which would reduce the monthly payments. The company is not recalculating the interest that should be charged by applying the overpayments towards future monthly payments.
|
| 04/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I entered a payment agreement for Account : XXXX in XXXX of XXXX the company stated that the agreement would make my next payment XX/XX/XXXX. However the date provided was incorrect and the next due date was XX/XX/XXXX, this is after I already paid three payments to make the account current. I request the company to update my account to reflect the payments accurately on XX/XX/XXXX and they directed me to file a CFPB complaint to resolve the issue.
|
| 06/21/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
Loan was sold from original lender to 1RST Investors servicing corp out of XXXX, Ga. cfpb is very familiar with them. The original lender graciously moved my due date to my payday. When 1rst Investors bought loan then refer back to original contract and are now dunning me for being late because there customer service rep said the are required to honor only the original due date. I have never missed a payment-ever. Now they want a double payment.
|
| 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 XXXX 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.
|
| 05/22/2019 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
I have tried on several occasions to dispute the accuracy of this account with the credit reporting agencies XXXX, XXXX and XXXX. Over the past couple years I have requested written documentation of the findings outcome to support what is being reported on my credit report. They only information I have received is that my dispute was reviewed and the findings were accurate.
Please provide written detail support on the reported findings.
|
| 03/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Received a notification on XX/XX/21 advising that my First Investors Account was showing 30 days past due with a XXXX balance.
I traded in the vehicle on XX/XX/21 and the loan was paid in full by my new lienholder 10 days later. The account status updated to paid in full and closed about 2-3 weeks ago, now the creditor is reporting a 30 days past due on my credit file for an account that has been satisfied in full and closed.
|
| 12/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
On XXXX XXXX, 2016 I made a {$300.00} payment to First Investors Financial Services. I have spoken to them several times concerning the payment, sent them documentation to prove the payment was made, and had the bank ( XXXX XXXX ) contact them twice concerning the payment and First Investors Financial Services has continued not to recognize the payment. Please help me get First Investors to recognize this payment I have made.
|
| 11/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Not only am I paying an unreasonable interest rate, but, I requested months ago that my payment be moved from the first of the month to the end of the month. I even sent in a form requesting this in writing, this was never done. Since that time, I have been charged late fees and DAILY simple interest. This has inflated the principal owed to an unmanageable level. I have paid faithfully on this vehicle for five years.
|
| 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 |
Servicemember |
|
There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed immediately.
|
| 01/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. FIRST INVST SVC/FIRST IN Inquired on XX/XX/2019, XXXX XXXX XXXX Inquired on XX/XX/2019, XXXX XXXX Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
|
| 12/01/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Issue : Breach of Written Settlement Agreement1st Investors Servicing Corp is not reporting my credit line correctly with XXXX. They corrected my credit line with XXXX and XXXX and both now show positive. However, XXXX is showing 1st Investors loan as a negative mark and the mobile app shows it was charge off. Please correct my credit line with XXXX per our written agreement from 2012.
|
| 10/04/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I didn't realize that my identity was compromised until I started trying to acquire credit and started getting denied. My ex husband XXXX XXXX or the car salesman at the time added me on a car loan without my consent, I absolutely had no knowledge that I was on this loan. The payments were being made on time up until 2020 that's when I started getting denied for everything.
|
| 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 FIRST INVST SVC/FIRST 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, FIRST INVST SVC/FIRST has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
|
| 04/21/2021 |
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 |
|
|
This first investors account on my credit they sold my legal information to XXXX XXXX. I was able to get it removed off XXXX but the company is giving me a hard time to move it off XXXX i keep disputing it over and over. It is very old. So im not able to get a vehicle anywhere to make it to doctors appointments during covid
|
| 03/03/2017 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call constant. If I fall one day behind they call 10 times a day. If I block the number they call from numbers that are fake. I have teue caller so it shows both the real and fake number. Im tired of them calling somany times a day. They say its just a reminder but after XXXX voicemails a day its a little extreme.
|
| 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
|
| 09/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX I called in to make payment iao of XXXX the rep at the time didnt inform me that part of the payment would be applied towards fees and not the actual payment it caused me to get further behind every one there at first investors states there is nothing they can do and I believe that is a lie
|
| 01/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information that should be on the report is missing
|
|
Web |
Servicemember |
|
Negative debt or personal credit un-necessarily reporting late or insufficient negative or late debt data, No un-necessary legal reports have been alleged to have occurred to collect any late or negligent payments.
Only one auto loan that is two months in posted ahead of payments scheduling.
|
| 03/05/2020 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I've called the credit bureau and disputed it several times the have said I owe to different amounts and then when I disputed it they sold it to a different company XXXX XXXX XXXX first investors got paid by the insurance company and still was trying to make me pay two different amounts
|
| 09/05/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
In XXXX 2015, I disputed an auto loan with First Investors Financial ( CFPB dispute XXXX ). On XXXX XXXX, I received an alert that this account has been updated with a XXXX day late on my credit reports. Since XXXX 2015, this account was reporting paid as agreed, no lates.
|
| 10/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I sent a debt validation on XX/XX/2021 for validity of the debt and the reporting of late payments. I receive a validation letter on XX/XX/2021. On the letter it reflects a different payment of wait I have been paying. I have overcharged the entire length of the loan.
|
| 09/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On or about XX/XX/2018 I sent written correspondence to First Investors providing clear instructions on how my future over payments should be applied. First Investors has failed to acknowledge said letter and apply subsequent over payments as instructed.
|
| 09/18/2019 |
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 |
|
FIRST INVESTORS FIN SERVICES 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.
|
| 12/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX is showing the XXXX XXXX XXXX/XXXX account as closed and should therefore be removed from the account. Furthermore, it is showing as having been showed to XXXX XXXX. I have never received documentation about this account being sold.
|
| 07/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I pulled my XXXX credit report and found First Invst SVC had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.
|
| 10/19/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I had an auto loan with XXXX that has been paid in full per a letter I received from them ( the car was traded in ) however they are reporting my account as delinquent to the credit bureaus with a balance of {$0.00}
|
| 05/23/2020 |
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 |
|
|
According to my most recent credit report, XXXX and XXXX are currently reporting that I applied for credit with the companies that I'm not aware of. I did not grant them authorization to review my credit report.
|
| 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 First Investors Financing 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.
|
| 06/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
First investors Financial services sold this debt to XXXX XXXX XXXX XXXX XXXX and one XX/XX/XXXX I paid the amount owed in full but they are still reporting on my credit Date account open XX/XX/XXXX XXXX
|
| 07/15/2020 |
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 requested XXXX to match me with lenders. This should be done based on my credit profile, instead my credit report was shot gunned which resulted in numerous inquiries. I did not authorize any of this.
|
| 11/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX on my XXXX credit report has the inquiry date of XXXX/XXXX/XXXX. The only date that I went to the car dealership of XXXX XXXX XXXX was on XXXX XXXX XXXX. This is inaccurate information.
|
| 04/01/2021 |
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 |
|
|
First Investors Financial service is reporting unauthorized credit inquiries to my credit file as follows.
First Invst SVC/First on XX/XX/XXXX to XXXX First Invst SVC/First on XX/XX/XXXX to XXXX
|
| 12/29/2017 |
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 |
|
|
Company XXXX XXXX keeps running my credit every 3months, I dont know this company and never applied with them. A lot of hard inquires on file, I have no knowledge of. A lot of fraudulent inquires.
|
| 01/21/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
this company did a hard click on my credit with out my permission i applied for refinance with XXXX XXXX and the got my info from them and checked my credit without my knowledge or approval
|
| 11/13/2019 |
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 |
|
|
First invest placed a hard inquiry on credit file on XX/XX/2018. Made several attempts to verify signature and contest to contract. Company failed to comply to FCRA Guidelines.
|
| 11/15/2020 |
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 |
|
|
XX/XX/2020 i received a loan inquiry from a company i never reached out to and they got a copy of my credit report and it is now listed as a hard inquiry i never did.
|
| 02/15/2021 |
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
- 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 have not received any investigation results.
|
| 01/30/2020 |
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 |
|
|
First Investors continues to furnish late payments on credit report. Client requested late payment to be placed of end of the loan, due to financial Hardship.
|
| 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 |
|
|
I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.
|
| 11/25/2017 |
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 |
|
|
I have not authorized these companies to pull my credit. I have asked XXXX, XXXX & XXXX to remove these inquires. They have not done so at this point
|
| 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 |
|
|
Rate shopping improperly reflected as multiple hard inquiries.
I did not authorize this inquiry.
I do not recognize this inquiry.
|
| 05/07/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Returned my vehicle once I was laid off from my job, was not past due ... .but they immediately filed for a judgement on my credit.
|
| 11/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Unauthorized Inquires are on my credit report as of XX/XX/2019.
These inquires have dropped my credit score by 100 points.
|
| 05/18/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been getting at least 5 calls a day from this company and they are leaving more than one message a day.
|
| 11/06/2020 |
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 |
|
|
I would like to dispute late payments and incorrect address on my credit file. I have attached the letter.
|
| 08/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
FIRST INVESTORS SERVICING CORPORATION is reporting fraudulent debt on the credit report of XXXX XXXX.
|
| 02/09/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I traded this vehicle in for another. This vehicle is paid, not active and I don't own it any more.
|
| 12/26/2019 |
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 |
|
|
On XX/XX/2019, 1st Investors Financial Services acquired unauthorized access to my credit file.
|
| 02/14/2021 |
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 |
|
|
Late payments in XXXX and XX/XX/2020 contacted the three bureaus to remove payments
|
| 10/19/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
this debt don't belong to me XXXX have other people name on my credit report.
|
| 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.
|
| 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
|
| 01/12/2018 |
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 |
Older American |
|
XXXX XXXX XXXX XXXX ran my credit with out my permission
|
| 01/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
|
| 11/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 10/13/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/12/2021 |
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 |
|
|
|
| 10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/21/2021 |
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 |
|
|
|
| 09/19/2021 |
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 |
|
|
|
| 09/19/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
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 |
|
|
|
| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/11/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Older American |
|
|
| 05/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/04/2021 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/25/2021 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/14/2021 |
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 |
|
|
|
| 03/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Phone |
|
|
|
| 02/06/2021 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 02/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/04/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
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 |
|
|
|
| 12/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/12/2020 |
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 |
|
|
|
| 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 |
|
|
|
| 12/05/2020 |
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 |
|
|
|
| 12/03/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 11/17/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 11/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 10/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/01/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
|
| 09/10/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Phone |
|
|
|
| 09/02/2020 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/21/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/09/2020 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/07/2020 |
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
|
|
Phone |
Older American, Servicemember |
|
|
| 06/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 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 |
|
|
|
| 06/06/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Older American |
|
|
| 05/29/2020 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
|
| 05/20/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Older American |
|
|
| 05/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 04/24/2020 |
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 |
|
|
|
| 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 |
|
|
|
| 02/26/2020 |
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 |
|
|
|
| 02/04/2020 |
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 |
|
|
|
| 01/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/23/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Phone |
|
|
|
| 01/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 01/07/2020 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
|
| 01/02/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Phone |
|
|
|
| 11/27/2019 |
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
|
|
Phone |
|
|
|
| 11/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
Servicemember |
|
|
| 11/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/11/2019 |
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 |
|
|
|
| 09/17/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Referral |
|
|
|
| 09/11/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/10/2019 |
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 |
|
|
|
| 08/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Phone |
|
|
|
| 08/16/2019 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
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 |
|
|
|
| 07/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/26/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 06/13/2019 |
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 |
|
|
|
| 04/30/2019 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 04/29/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/17/2019 |
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 |
|
|
|
| 02/27/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 02/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
Older American |
|
|
| 11/29/2018 |
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 |
|
|
|
| 11/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
|
| 10/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/17/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 09/27/2018 |
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 |
|
|
|
| 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 |
|
|
|
| 08/02/2018 |
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 |
|
|
|
| 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 |
|
|
|
| 04/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 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 |
|
|
|
| 04/02/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Phone |
|
|
|
| 03/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/23/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Phone |
|
|
|
| 02/15/2018 |
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 |
|
|
|
| 01/30/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 01/01/2018 |
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 |
|
|
|
| 12/13/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 11/07/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Referral |
|
|
|
| 11/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Phone |
|
|
|
| 09/18/2017 |
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 |
|
|
|
| 08/17/2017 |
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 |
|
|
|
| 08/09/2017 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/09/2017 |
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 |
|
|
| 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 |
|
|
|
| 06/06/2017 |
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 |
|
|
| 05/03/2017 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Postal mail |
|
|
|
| 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 |
|
|
|
| 04/10/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
Older American |
|
|
| 04/03/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
Servicemember |
|
|
| 02/15/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 02/13/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 12/21/2016 |
Yes |
|
|
|
Web |
|
|
|
| 12/18/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/08/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Phone |
|
|
|
| 08/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 08/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
Older American |
|
|
| 04/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 03/28/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Fax |
|
|
|
| 02/20/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 02/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 02/04/2016 |
Yes |
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 09/24/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 09/21/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 08/05/2015 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 07/23/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 05/05/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/20/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 04/14/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/10/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Fax |
Servicemember |
|
|
| 03/25/2015 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
Older American, Servicemember |
|
|
| 03/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 03/13/2015 |
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 |
|
|
|
| 02/23/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 02/18/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 02/05/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Phone |
|
|
|
| 01/28/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/20/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 01/14/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 01/12/2015 |
Yes |
|
- Incorrect information on credit report
- Reinserted previously deleted info
|
|
Web |
|
|
|
| 01/08/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
|
| 12/29/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 12/16/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 11/24/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
|
| 11/20/2014 |
Yes |
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 09/25/2014 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Referral |
|
|
|
| 08/22/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 08/04/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
Older American |
|
|
| 07/17/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 03/10/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 03/08/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 02/27/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 01/27/2014 |
Yes |
|
- Improper use of my credit report
- Report improperly shared by CRC
|
|
Web |
|
|
|
| 01/11/2014 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 12/26/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 11/25/2013 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 08/13/2013 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|