| 01/25/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I found a finance company ( XXXX XXXX out of XXXX NC ) to help me purchase a new motorcycle. I have made my payments on time every month. Even paid more to pay it off quicker. I received a call around the second week of XX/XX/XXXX. About making a payment on my account. As usual I said ok and gave them my card information. The amount was {$350.00}. I usually pay an even {$200.00}. I didnt over think it I just thought I had just paid the motorcycle off and they would send my title and receipt in the mail. The following month around the 2nd week. I received another call saying I didnt make my payment for XXXX. I told them I would be in Friday ( XX/XX/XXXX ) to bring them my bank statements showing I paid the company {$350.00} and I thought it was paid off. So I came in on XX/XX/XXXX and showed them my bank statements, and showed them that said amount was paid and received by them on XX/XX/XXXX. XXXX which is the person I was dealing with kept insisting that the payment did not go to them or anyone with a similar name. I then showed her the statement and said it clearly shows on XX/XX/XXXX that {$350.00} was paid to Home Credit. She clearly wasnt trying to hear that so she said call your bank or go to the branch down the street to dispute the charge. So seeing that I didnt want to mess up my credit. Im trying to repair I make a similar payment of {$320.00} to pay it off again. At this point I was not leaving until I talked to my bank. I went outside and called my fraud claims department. And to sum it up he pulled up the statements as well and said you paid them the amount above on XX/XX/XXXX. And you also just made a payment today for {$320.00}. So I went back on and let him speak with XXXX. They talked, she gave me back the phone and he said he would handle it. And gave me the number to the FTC which I saved. I didnt fill a complaint right away because I was getting my money back and my motorcycle was paid off. I shouldnt have held my breath. They called me Tuesday around XXXX and left a voicemail. So I saw it and quickly called them back. I spoke with XXXX once again. She tells me my bank canceled the last payment to them. I told her Im not sure what to say you told me to call and dispute it and that what I did and that the conclusion the bank came up with. Then it gets ugly quick she tells me the head manager said if I dont come in and make a payment {$350.00} ( thats not even the last payment ) that she would have to go back in the system and put that I didnt make a payment for XXXX and it would mess my credit up. I then realized I had no choice but to pay it so I told her I would be in Friday XX/XX/XXXX. Then the calls end. She then calls me back and says can you bring in a money order cause I know you dont want to pay cash. That way you will have a receipt for the payment. Cause they didnt want a payment from my bank. I know I have been terrible with my past credit but I am on a roll and have not missed a payment and I remembered the bank giving me this number so thats where Im at now. And I have statements and case numbers to back my claim. I can even get phone records if I must. Please help I didnt go in Friday cause it didnt seem right with all my receipts and I dont know how long it will be before they try to go back and tear my credit up. Thanks and sorry for the long explanation.
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| 08/04/2023 |
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 |
Servicemember |
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I was recently laid off from my job. So I was reviewing my finances to see where I could cut back and save money. I want to note that I also work in the auto industry as a business manager. I was reviewing my loan agreement and realized I am financing service agreements that I did not need. One for a life insurance policy and the other for a road side assistance policy. Both of which are also covered under my vehicle insurance policy. I called the branch to cancel these products and the manager of that particular branch said they were not cancelable. I informed her that they are because it was stated in the contract that they were. I again informed her I dont need them and wanted to cancel them and refund the balance to the principal of the auto loan. She again said that they are not cancelable. And asked if I was calling to make a payment or just to complain knowing that I was just laid off from my job. She said if I wanted to complain further she could give me the corporate number. I hung up and called another branch and the manager there informed me they were cancelable. After that phone call I called the corporate office and was told the corporate manager was at lunch and they would take a message to call me back later. And I have yet to receive that call back or have the additional products canceled.
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| 06/01/2018 |
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 had gotten a auto loan from home credit inXX/XX/XXXX when I purchase the car loan I had gotten it for my ex wife XXXXXXXX XXXX which is also on the car loan as a reference.., during the time the auto loan was in her possession on XXXX XXXX XXXX ... XXXX XXXX nc ... XXXX in XX/XX/XXXX before our car got repossessed I had set up a payment arrangement to set the payment to be drafted out of my account and which the company did get their payment ... at the time of my repossession I was only 2 months behind ... I felt as I was done very wrong at home credit because I was doing everything right by open communication ... they never told me that they was going to repo our auto loan ... and because it was in my name it has greatly impacted my credit ... we all fall short at times but when you try to pay your auto loan to keep from getting a repossession its very hurtful ... I tried contacting the XXXX home credit and call the main office in XXXX nc ... .and my wife also left messages and I never received any calls back.. my wife as of now is XXXX XXXX and now we are joint together on the credit report and its affecting her credit as well ... I have proof and documents of when I paid to home credit the same month they repossession the auto
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| 08/14/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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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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| 06/03/2018 |
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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Home credit trying to accused me of lying back in XX/XX/XXXX I did report that the car was my ex wife ... and the reason for that is because I bought it for her! Okay since you sitting to your computer replying back on messages why dont you reply with a settlement and I will show proof to your company when I made a partial payment trying to keep from repossession!!!! I want this debt offf my credit Im pretty sure you already sold the car and getting money from the new owner! How dare you reply that I was lying about a payment ... why dont you attach my last payment so Consumer Financial Protection Bureau can see your company took my partial payment and then repossessed my car!!! Show them that!!!
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| 10/09/2019 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Someone use my identity two years ago to get a car they checked XXXX financial place to be approved I guess home credit was the one to approve them they got the car and now they continually contacting me to pay the bill when I pay for all my car cash and used I contacted the credit bureaus about theses list of inquiries before I got ask XXXX??? But they were never took off r handle when I contacted the place about it they sent me a letter saying the car was sold at a private sale but what that has to do with my identity being use without my approval
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| 10/09/2019 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Someone use my identity two years ago to get a car they checked 19 financial place to be approved I guess home credit was the one to approve them they got the car and now they continually contacting me to pay the bill when I pay for all my car cash and used I contacted the credit bureaus about theses list of inquiries before I got ask 100??? But they were never took off XXXX XXXX when I contacted the place about it they sent me a letter saying the car was sold at a private sale but what that has to do with my identity being use without my approval
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| 01/18/2018 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Home credit still making me responsible for this debt.. I had made a payment arrangement with them and they took my money.. a week later the vechicle was repossessed without even contacting me they are still reporting bad information on my credit report as if I still owed them that amount ... my ex wife had fraudulent put that auto loan in my name.. and because it was on my credit report I had no other choice but to make payments.. I filed a police report that this bad debt shouldve removed of my credit report ...
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| 01/05/2018 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Home credit should not be on my credit file ... my auto loan was taken from me right after they received my payment.. they have been threatened me for a long time saying a owed this bill.. I file for a divorce and the car actually was used my ex wife and instead of making payments she let the car get repossessed ... I have filed a police report stating that my ex wife didnt agreed to my agreement.. and that I shouldnt be responsible for her missing up my credit.
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| 07/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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This was a joint account ( ex-husband ). When he left ; this was included in my bankruptcy. Should be removed from file. I have attached the document. Page 15
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| 05/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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| 03/14/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 11/04/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 07/04/2018 |
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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