Justice Finance Company CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75043	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. JUSTICE FINANCE COMPAN bal. {$500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/08/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75126	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. JUSTICE FINANCE COMPAN bal. {$300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
08/27/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 754XX	Web
I took out an installment loan with Justice Finance. I made my payments and had no problems for a long time. I even would refinance my loan from time to time. If i got a little behind I always called and they worked with me. The 2 girls in the office were always really nice and willing to work with me. I fell behind due to medical issues with my husband. I began getting calls from them pretty much daily and then they starting calling my job. I send a note to the office as well as spoke to them and let them know that I was not to receive any calls at my job due to our rules at work. I then started to get 2 to 3 calls per day which is a violation. I was essentially ignoring the calls since there was really nothing I could do about the account. The last straw was on XX/XX/2018 when I received a call from a new girl in the office XXXX. Instead of calling me from the office line she called me from her personal cell number and I answered. She was beyond rude. She proceeded to tell me that this was my loan and I needed to take care of it and that I had no excuse not to take their calls or call them back that I get breaks at work. ON XX/XX/2018 I sent a letter straight to the office as well as their corporate office as an intent to sue for the violations. I have recordings of the call. I did finally receive a response back from them that they were sorry that were unable to come to a solution as to what I had asked for and I could contact them by mail and they were ceasing all collection activities. I have not sent any other correspondence to them as yet. I could file suit with my attorney but I was trying to give them the opportunity to make this right. I know being in the collection business that violations can be fined at {$1000.00} per violation and they had several. All I asked from them was that my loan show paid in full and reflect positive on my credit. My loan balance was under the {$1000.00} fine amount. I can hire my attorney and get much more I was just trying to give them the opportunity to make their mistakes right but nothing has been done to this day.
01/09/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 75115	Web
I am receiving harassing phone calls at my place of employment two days after the due date which is on the XXXX of each month. Approximately early XX/XX/XXXX, I had a setback and was not able to make my payments on time. My payday is only once a month on the XXXX. I spoke with " XXXX '' and she stated she will place the note in the " system '' so they will know. Each month, I still received the same phone calls regarding the late payment and reiterated I was not able to pay until the XXXX. In XX/XX/XXXX, I received a note from my employer that the company left a message for me to contact them. I returned the phone call and requested they do not call my place of employment because of the nature of my job. I spoke with " XXXX ''. She said she would make note to not call me at work. I also mention to " XXXX '' that it should be noted I would make payment on the XXXX as well. She said she did not see the note but would place it in the " system ''. The calls continued for XX/XX/XXXX and XX/XX/XXXX from " XXXX ''. In XX/XX/XXXX, I received a message from my employer that " XXXX '' called me from XXXX XXXX. This is not the creditor however from the number, I recognized it was the XXXX XXXX. I called to speak with " XXXX '' and she was extremely rude, telling me I should be more responsible and professional because of my job title. She said she did not see any messages about not calling my employer or my arrangement to pay on the XXXX and that I did not tell her this information so it did not matter. I stated I should not have to speak with everyone in the office to make the arrangement. Although, it does n't seem to help anyway because you all call and harass me every month. My balance is only {$170.00}. I do n't understand why harass and bully someone for small amounts. I am making this complaint for the harassment I am receiving from this company. Many of my friends and family members who have had business with this company in the past stated that is why they do not take out loans with them anymore.
10/31/2017	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	TX 75087	Web
On XX/XX/XXXX around XXXX XXXX. I contacted Justice Finance to inquired about an account that was unknown to me reporting on my XXXX credit report. The lady explained to me that the account was charged off and in order to clear the account I would need to pay XXXX. I told her that I am not admitting that I own this foreign account and that I am not certain that I am liable for this account. I then asked her how can they place something on my report as being charged off for XXXX, but then verbally tell me that it is XXXX owed because fees are still accruing on the account even though its charged off. After she began yelling at me about the account I asked to speak to the manager or owner. She tells me that she is the assistant manager. I then asked her for the number to their corporate store which she gave me and told me I would have to call them tomorrow. On XX/XX/XXXX around XXXX XXXX. who told me that she did n't know how to get around in the system to find the account and that she would call and let the owner in the store know about the rudeness of the lady. All of a sudden on XX/XX/XXXX I receive a credit inquiry alert saying that Justice finance did a credit inquiry for an application or loan. I then spoke to XXXX on XX/XX/XXXX and he was unaware of the incident and refused to remove the inquiry. I explained to him the reason the inquiry is on my report is because his supposedly asst. manager got mad because I asked her how can there be two different amounts for a charged off account and retaliated by placing an inquiry on my report. I explained to him it is no way possible I came into their store and did any type of application giving them permission to pull my credit. I spoke to XXXX and they refused to dispute it and told me I needed to contact the creditor to get it off.
04/20/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TX 75212	Web
I have an installment loan through a local office. When I initially applied for the loan I informed the office that my wife could not be contacted regarding the account due to a strained relationship. However, I was forced to give the office her contact information to complete the application but was assured that she would never be contacted. Despite my conversation regarding her not being contacted as soon as I got a couple weeks behind on my payment they called her. This led to huge distress in my already strained marriage and nearly led to separation at least. I talked to the office following the contact with my wife and reiterated that she was not to be contacted and got assurance that she would not be contacted from the manager. I even expressed my request for privacy via a letter. Nevertehless, when I fell behind a couple of weeks they contacted her again. I called the office furious and spoke with the manager regarding my request for privacy. He responded by saying that he did n't care about my request due to my late payment history and that he did n't care if I never made another " darn '' payment. He stated that if I would have responded to there multiple phone calls ( they called roughly 2 times per days fo r 2 we eks straight ) she would not have been contacted. But because I was so hard to reach they had to call her to prompt a response. I was never contacted via writing on the harrassing phone calls a couple times per day. Is their behavior legal?
12/16/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 751XX	Web
At XXXX AM on XX/XX/22 I received a call from an individual who introduced herself as XXXX from Justice Finance. She initially asked for another individual, I told her that was my husband, and she then called me by a different last name. I corrected her and asked her not to call me anymore. She said ok and hung up. She then called again at XXXX AM and she proceeded to tell me that she was contacting me as I was a reference for an individual and disclosed their name as well as indicated that they are past due and that because their sister did not work there were any longer did not mean she did not have to pay. I replied by telling her that I would relay her message and also asked her if she was aware of the FDCPA and FCRA, she stated she was aware. I then proceeded to tell her she was in violation by providing me with information on the status of the account. She then would talk over me and not listen to me and cut me off. I ended the call. I contacted the individual about the call and she informed me she was under 30 days late and aware that the company 's policy does not warrant calls to references unless they are past due way over 30 days. She also informed the company she would make her payment before the month was over, therefore there was no need to call me.
07/27/2018	No	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 76106	Web
Nam e of the company justice finance keeps calling my personal phone, they called me at my job and I told them to stop calling me at my job or that i was going report them again, a lady XXXX said ok ... i told them this on XX/XX/XXXX at XXXX XXXX. Today on XX/XX/2018 They called my job again and asked for me. I was not available to take the call but when i was i called them from my personal phone and told them i had told them do not call my job that they violated my request XXXX or XXXX stated they were still going to call me at my job if thats the only way they can reach me, i told her no that they just violated my request and i advised them i was going to file a complaint and they didnt care they said they were still going to call me i told them as well not to call my personal line anymore and they said they were going to cal me by all means necessary and all this was at XXXX XX/XX/2018 my job does have the recordings where they called me here at my job
02/06/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 76140	Web
I took out a loan with Justice Finance in XXXX Texas. I lost my job and was unable to keep up with payments. Since I have been unable to make payments, they have been contacting relatives, who have nothing to do with the loan, and disclosing information pertaining to the loan, as well as making disparaging comments. The last time I spoke with them, I informed them that my Father had died, and that I was in the process of making arrangements for the funeral, as well as that I was still unemployed. This week they contacted my Mother, and made the comment that I owed them money, and that " I had the nerve to say that I was dealing with a funeral. '' I NEVER gave consent for them to discuss my loan or circumstances with anyone other than myself.
06/12/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 75134	Web
XXXX who is the Manager of Justice Finance which is located on XXXX XXXX in XXXX, TX. Yes I borrowed initial {$400.00} and paid it off, and I went back and borrowed {$500.00}. Well unfortunately we had deaths back to back in my family, and with all the stress and strain, I did forget to pay ... So XXXX XXXX took it upon himself and call my references, Okay I understand that. But XXXX XXXX decides he wanted to disclose my personal information, yes he violated my F.C.R.A ... .my references should not know how much I borrowed, when I borrowed it, and when you need me to come in and pay. He started by telling my mom, and then he went down the line. that is so unprofessional, and a major violation.
08/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75230	Web
In accordance with the fair credit reporting act, Justice Finance Company # XXXX has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Account name JUSTICE FINANCE COMPANY XXXX XXXX XXXX XXXX, TX XXXX No phone number available Address identification number XXXX Account number XXXX .... Recent balance Not reported Status Paid, Closed. Date opened XX/XX/2021
07/11/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 75104	Web
On XX/XX/2018 I applied for a loan with Justice Finance, they took my information and stated I would get a call back. XXXX, the manager ; called back stated that he was not going to loan to me because he knew my coworker and she was in bad standing with the company. XXXX then stated my coworkers name and that the co worker did not pay her existing loan so that why he would NOT he give me a loan. XXXX told me that I was guilty by association and chuckled. To my understanding this is a Act of Equal Credit Opportunity, I feel discriminated against. I was NOT Provided with a notice of DENAIL.I requested a notice of Denial and they will not give me one.
02/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 761XX	Web
I got and second Debt Collection Incoming call from XXXX XXXX regarding and loan accoun. After I has adivised them on XX/XX/2022 that i has retained Chapter XXXX Bankrupcy Counsel from the Allmand Bankrupcy Law Firm and to direct all communication with them from the PDF Chapter XXXX Bankrupcy Counsel retainers Agreement below attached in this complaint.
02/05/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75150	Web
Justice Finance located in XXXX, Texas. Called me Multiple times at day at work for weeks straight after being told multiple times that I could not receive personal calls at work. XXXX told my manager, and family members other than my spouse about my debt. She threatened to sue me and have me arrested as well.
01/15/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 75052	Web
On XX/XX/20 justice Finance in XXXX XXXX tx disclosed my account information to someone who is not authorized on my account the company refuses to stop and calls my references and let them know my payments and account details and calls another office asking about me when my account is current
01/31/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	TX 75052	Web

01/29/2024	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75217	Phone

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76108	Web

04/05/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 75068	Web

09/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75104	Web

04/28/2022	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 76033	Web

12/07/2021	Yes	Debt collection Payday loan debt	Communication tactics Called before 8am or after 9pm	TX 75141	Phone

12/18/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 76011	Phone

10/27/2020	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan		Phone

08/07/2019	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

06/28/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Was approved for a loan, but didn't receive the money	TX 76133	Phone

01/14/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 76010	Web

09/08/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	TX 75243	Web

04/25/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75167	Web

04/23/2014	Yes	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 75043	Web

03/18/2014	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75052	Web

01/11/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	TX 75150	Web

10/21/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 75149	Web	Servicemember

10/17/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 75227	Phone

09/05/2013	Yes	Consumer Loan Installment loan	Shopping for a loan or lease	TX 75160	Referral