| 08/15/2016 |
Yes |
- Debt collection
- Payday loan
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I got a small installment loan in a check cashing place in the XX/XX/XXXX.Lendify Financial was in charge of taking my payments and sending me documentation on debt.I made my payments on time and as promised on the months of XXXX, XXXX, XXXX, XXXX and XXXX XXXX XX/XX/XXXX I called Lendify to notify them that I would not be able to make that months payment, due to me getting mugged and losing everything in XX/XX/XXXX.I was told I would receive a call back from my rep and that they would notate it and let my rep know " XXXX ''.
that 's when the harassment calls started.I was called at XXXX point approximately 3 times a day for about a week. I would answer and explain the situation but it was always followed by " ok so can you pay today? '' I said " no please notate for a supervisor to call me. Please stop the calls I 'm at work I ca n't answer only call me at lunch at XXXX please so we can solve this problem '' I very politely asked all reps I was not to be called between the hours of XXXX to XXXX only from XXXX to XXXX because I work and have school.Once again they assured me they would follow up and notate account ( they never gave me last names ) Calls kept happening and reps XXXX about me not being able to pay and were not cooperative when i asked to speak with manager or supervisor.
i asked multiple reps if calls could stop or if i needed to submit written cease of communication notice, reps said no such thing existed.There were so many calls that I had to block the caller but they called again from another number! I told the reps that I did n't feel comfortable making payments on the account without a supervisor. I aksed for dispute information be sent to me or validation of debt in order for me to continue making payments since I noticed illegal debt collection practices. I refused to pay late fees on the account because I had notified them well in advance about the payment plan changes and had not received a call or ANY document from them about debt.
After many calls from me and messages to managers about FDCPA violations on collection of debt, the calls stopped. Finally a manger answered my call and helped but they refused to take out the fees and said every day I did n't pay they would report me to my credit company. I agreed to pay once i got documentation and dispute papers. Lendify failed again to send documnets.
Instead they charged off my account on XX/XX/XXXX for " missed promise to pay payments '' even though I had been communicating my troubles to MULTIPLE reps of why I did n't want to pay until I got proper documentation.The charge off made my credit score drop drastically even lower than I had ( being a college student who has never opened up a credit card ) so I had to bite the bullet and pay them because I really need to work on my credit for a car.
Well now it 's about 3 1/2 weeks later, almost a month after I paid the account off regardless of the horrible experience I had with Lendify and its harassing tactics. However, they still have yet to send the paid in full letter and still have n't reported the debt payed off even though they promised they would report it as paid in full to credit bureau. Ive tried calling Lendify at the number online however it doesnt work. No one will return my calls and reps lie about the wherabouts of managers. They keep me on hold for lomg length of time and bounce mt call from rep to rep but no manager.
The most recent incident was last Thursday XXXX XXXX XXXX. I called them to try and fix everything and get my letter so I can personally follow up with Credit Company myself.I was put on hold about 4 times and transferred to XXXX different reps.I insisted a manager take the call and they told me that ALL managers and supervisors were in a meeting.It is now Monday XXXX XXXX XXXX I still have not received a call back or documentation on PAID account.
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| 12/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XXXX XXXX, XXXX I went to a check cashing center in XXXX California at : XXXX XXXX XXXX, XXXX California XXXX. I went there to specifically get a payday loan for {$200.00}. I asked the clerk, do you check credit for a payday loan? She replied " No ''.
I said okay I would like to apply for a payday loan of {$200.00}. She took my personal information, and processed the application for a payday loan. At no time did the clerk ever tell me that I was applying for a XXXX XXXX XXXX loan. That loan is not a payday loan.
No where on the payday loan documents does it say the word XXXX XXXX XXXX. I had never heard of XXXX XXXX XXXX until I received a letter from then from a phony address over a month after I had already paid back the payday loan. I received a letter stating that I had applied for a XXXX XXXX which is a lie. It stated that I did not qualify for the loan and that they had accessed both XXXX and XXXX. They violated the Fair Credit Reporting Act by illegally accessing my credit reports and doing what is called a hard Inquiry. What really is happening is that XXXX XXXX along with check cashing businesses are going behind consumers backs and attempting to use their personal information to open up loans. This is illegal and its identity theft along with a direct violation of the 1964 Civil Rights Act, Criminal Identity Theft California Criminal Code 530.5 PC # 619 obtaining information under false pretenses. I contacted the Check Cashing CEO and I made an undisclosed settlement with the Check Cashing for these violations. That does not excuse them from breaking the law. XXXX XXXX has continuously lied about this. XXXX XXXX does not have a signed loan application with my signature on it which is required by federal law, and state of California law. I do not intend to allow them to get away with this fraudulent behavior. So I realize that CFPB will only contact XXXX XXXX and tell them to contact me. This will not solve this injustice, and I intend to bring the full law down on them in Federal Court very soon.
XXXX XXXX XXXX is using numerous names, like Lendify and Insikit, they use several false addresses also, and they have false information filed with the Secretary of State in California. They were recently sued in Federal Court in the northern district of California, for breaking other consumer laws on loans. XXXX XXXX XXXX address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX California XXXX. XXXX XXXX XXXX, uses voip to send all calls to a third world country where the people who answer their line can not speak or comprehend english, that number is XXXX. I expect this complaint should be turned over to federal investigators because I am making a direct accusation that I am not the only victim of this fraud. I am sure they have done this to other people who think they are applying for a Payday Loan.
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| 04/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I received a letter in the mail indicating I was delinquent on a loan payment to XXXX XXXX on XX/XX/XXXX. I contact XXXX at the number provided on the letter - XXXX and requested information on the account. The account was for a personal, unsecured loan in the amount of {$800.00}.
Contacted XXXX XX/XX/XXXX : Indicated the fraud and requested a representative within their fraud department contact me.
Contacted XXXX XX/XX/XXXX : Indicated the fraud again and asked if a supervisor was available to assist. Was transferred to XXXX and repeated the story. He said they couldnt transfer me to a fraud department, but that he would escalate this and someone would reach out within the next 24 hours.
Contact XXXX XX/XX/XXXX : Spoke with XXXX XXXX, a supervisor, he again noted on the account and said he would personally escalate this. He was provided my email and cell number once again.
Contacted XXXX to dispute the account.and was told that XXXX would respond within 30-days.
Received notice from XXXX that XXXX had validated the account and the dispute was canceled?
Contact XXXX XX/XX/XXXX : Spoke with XXXX ( Supervisor ) Provided information on the loan. Escalating again to resolutions team. I was told i'd hear back within 24-48 hours. No call back.
Contacted XX/XX/XXXX - XXXX ( XXXX XXXX XXXX ) to discuss the limited help Ive received from XXXX. She was going to help escalate this. However, she was in XXXX and needed to get back to me. I received a text from her Saturday XX/XX/XXXX. She gave me the number for the Service Desk @ XXXX and asked myself or the detective to contact. XXXX.
Contacted XX/XX/XXXX Went to the XXXX XXXX XXXX branch ( Orgin of the loan ) and spoke with XXXX ( Manager ). I was able to see a picture of the suspect that took the loan on her computer, but unable to take a picture for my records or receive copies of the loan documents.
Contacted XX/XX/XXXX Called the help desk and was on-hold for exactly 30 minutes, nobody ever picked up. Left message on voicemail with all account info and indication of Fraud. Updated XXXX. XXXX by email of the latest info I had on the case.
Contacted XX/XX/XXXX - Called the help desk and was on-hold again for exactly 30 minutes, nobody ever picked up. Left message with voicemail.
Email XX/XX/XXXX Sent email to XXXX with details of fraud and account. Requested someone contact me immediately.
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| 06/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Can't contact lender or servicer
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Web |
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I filed a complaint through the CFPB and the company responded saying I contacted them on multiple occasions stating that i was going to settle and that is false I contacted the the first time stating i will pay in full if its removed off my credit report the guy said ok and i said i will need that in writing and i never received anything fast forward to thia year XXXX to be exact I called with the same agenda this time seeking a deal if possible with the money i had readily available at the time they told me they cant remove from credit it will so the payment as settled and offered a lower deal of {$330.00} but it was due XX/XX/XXXX or XXXX I asked the agent how does this benefit me with this being 4 years old and that negative will start the TIME all over meaning it will have a negative effect for another 7 years refreshing the 4 thats already over and i also stated i will pay the full amount to have it removed she said no i put in my complaint with the CFPB and their response was i called multiple times stating i was going to settle and thats a lie because i had XXXX XXXX XXXX for over a year fixing my credit so thats a complete lie for me to call when im paying a company to handle all credit issues and second wheres the proof its not helping me because you are believing their world over mine WHERES THE PROOF IF YOU CANT PROVIDE THIS YOU NEED TO TAKE OFF MY CREDIT REPORT ASAP
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| 05/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Can't contact lender or servicer
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Web |
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Call XXXX XXXX multiple times and was told i will get a call and or a letter stating they will remove off my credit report once paid. Now they are telling me that it want be removed after payment it will stay on as a settlement. This is unfair and illegal and a disregard of my constitutional rights for me too be told once i pay it will be removed from my credit but when i as for it in writing i gets no response for years and now when i called they transferred me to a lady named XXXX and she said she CAN settle for less than the amount that is already charged off ( paid off on the books FDIC insurance, or reported as a loss ) which was {$330.00} settlement charge. I then asked her why will i pay off a debt that after 7 years will be took of my credit report to get a fresh date for the settlement to stay on my crrdit a fresh 7 years? I am willing to pay but it needs to be removed from my credit report. The impact has already happened you cant expect to get a payment and to add a new Derogatory remark to my credit report after you receive the fund owed. This account was open on XX/XX/XXXX its now XX/XX/XXXX
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| 04/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On Friday XXXX I received an alert from credit monitoring service that there had been a new hard inquiry on my credit report. This was definitely not me. I reached out to the company, XXXX, formerly known as Lendify Financial. I spoke with a young lady on the phone. I was told there is no fraud department I can speak with but gave me an email I could reach out to. She took no personal information from me so that she could look into this. Just my name and phone number. I emailed the company email she gave me and am receiving no response. I called back and was told the same story, no one i can speak to about this fraudulent action against me and that I needed to send an email.
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| 03/21/2021 |
No |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I XXXX XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below.
15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly.
15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine.
*15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).
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| 09/22/2018 |
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 responded to an offer thru XXXX XXXX or XXXX XXXX. The offer was thru XXXX. The site offered a pre approval, and I submitted the pre approval for {$2500.00}. The site told me I was pre approved and asked for all my personal information. After submitting my personal information including my bank login and password. they told me I was only approved for XXXX. This is completely misleading! If they would have told me I was only approved for the XXXX I would have declined to proceed with a credit check. I want that credit inquiry removed and the company investigated for fraudulent business practices. This company completely mislead me.
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| 04/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/XXXX I had went to see if I can get a quickloan just to boost my credit score alittle up, we got the application part when i realized I left my state id ( wallet ) in my car which they needed for the application once I gave them my id and they took my info I got a notification on my phone that my credit score dropped down 94 points, which I never authorized them to run my credit or never even got to that part, i called they're company and talked to mostly even department they've transfer me too and still nothing. The company is " XXXX XXXX "
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| 04/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/XXXX I had went to see if I can get a quickloan just to boost my credit score alittle up, we got the application part when i realized I left my state id ( wallet ) in my car which they needed for the application once I gave them my id and they took my info I got a notification on my phone that my credit score dropped down 94 points, which I never authorized them to run my credit or never even got to that part, i called they're company and talked to mostly even department they've transfer me too and still nothing. The company is " XXXX XXXX "
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| 03/28/2022 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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On XX/XX/XXXX I called the company as they had charged me 4 different amounts for two loans that were paid off that date. However, they refused to reimburse these two extra charges. As a result. I called my bank to dispute the two extra charges this company was charging me. But, then the lending company argued that I had not made the payments and started charging me extra fees and interests for these loans I had already paid off. To this date, they are charging me for these extra fees that I have already paid.
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| 08/01/2021 |
No |
- 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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Lendify Financial is reporting an account in my name that was deemed not mine when I settled this with one of there representatives a while back they couldnt furnish proof that this was mine and therefore under the fair credit reporting act this is not supposed to be back on my credit when they removed it the first time now its back again on my XXXX report and not on my XXXX or XXXX credit report this is inaccurate credit reporting and shouldnt be on my credit anymore and want it removed immediately
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| 12/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On the date XX/XX/2019 am open account of a loan was removed from my credit repot as a despus and I wanted to undo that despute which was an error I tried going all over the internet trying to see if I can have it put back in my credit report so I can also get the credit for it as well all my payments for the personal loan I got have still been made on time and will keep being on time if I could have a response to how can I can resolve the issue I will appreciate it -Thank you
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| 07/19/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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Web |
Servicemember |
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It has been over 4 years now my credit reporting is XXXX up. My bankruptcy fell off my credit last year. I am still currently a victim of identity theft. The IRS is still doing an investigation currently. I'm a victim of XXXX XXXXXXXX. Whoever took my identity tried to set me on XXXX some months ago. I just got out the hospital a few months ago with nothing resolved.
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| 01/24/2022 |
No |
- Payday loan, title loan, or personal loan
- Payday loan
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- Received a loan you didn't apply for
|
|
Web |
Servicemember |
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I am recieving XXXX XXXX e-mails a day from Lendafy advertising " Confirm Your Request : {$9500.00} Loan ''. I never applied for this loan, do not want this loan. When I attempt to Unsubscribe from the e-mails I am directed to another XXXX offering the same loan. I want this harasment to stop immeadiately.
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| 11/12/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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Ask why was i being charged intrest only when principal of loan has not gone down at all. Only thing they said is to continue to pay and principal will go down loan was supposed to be paid in full according to terms. I ask for balance and i am denied account balance ive never been late.
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| 08/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
Servicemember |
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These random companies keep pulling my credit report and I have not authorized any of these credit pulls. Every time I check my credit, a new hard inquiry is on my report and I have not agreed for anyone to pull my credit.
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| 01/14/2021 |
No |
- 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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Paid in full the account with aura financial, called they said they could not help do to that they made a transaction with the company ... aura Doesnt exist anymore now its ( XXXX ) ....
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| 03/23/2021 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Discovered today that this debt is reporting on my credit and is associated with a name and address that is not mine.
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| 03/23/2021 |
No |
- 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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Discovered today that this debt is reporting on my credit and is associated with a name and address that is not mine.
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| 08/03/2020 |
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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I have filed a compliant with the three credit bureau 's and the investigation took well over 30 days.
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| 03/27/2023 |
No |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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|
Web |
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Dates was XX/XX/2022 amount was {$3500.00} Some lender company it was unauthorized
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| 05/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Loan payment wasn't credited to your account
|
|
Web |
|
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I had not not fully gone for the loan and was charged with a hard inquiry.
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| 12/07/2022 |
No |
- 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
|
|
Web |
|
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| 09/14/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
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|
| 01/20/2022 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
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|
| 06/01/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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| 05/06/2021 |
No |
- Credit reporting, credit repair 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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| 03/31/2021 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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| 08/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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|
| 08/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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|
| 07/01/2020 |
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 |
|
|
|
| 03/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Referral |
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| 05/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Phone |
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|
|
| 02/09/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Phone |
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|
|
| 09/15/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
Older American |
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