| 09/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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PUBLIC THIS IS A PUBLIC COMMUNICATION TO ALL Notice to agent is notice to principal Notice to principal is notice to agent Applications to all successors and assigns All are without excuse Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non waived.
XXXX XXXX XXXX XXXX XXXX, Authorized XXXX-In-Fact for : XXXX XXXX KWIKCASH XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX ALLEGED ACCT. NO. Unknown Alleged Amount Owed : {$1400.00} Alleged Last Date Active : Unknown RE : DEMAND LETTER : INACCURATE CREDIT REPORTING : FALSIFYING DEROGATORY TRADE : CEASE AND DESIST XX/XX/XXXX TO WHOM IT MAY CONCERN : This is a declared notice. It informs you. It means what it says.
This letter is written in response to inaccurate derogatory trade lines illegally written upon XXXX XXXX credit by KWIKCASH INC, et.al.
This letter memorializes XXXX XXXX correspondence ( attached hereto ) with KWIKCASH INC. et.al., but not limited to, XXXX XXXX XXXX attempts to resolve and/or work with KWIKCASH INC et.al. , but not limited to for several months in attempts to resolve and establish illegal and derogatory trade lines made by KWIKCASH Inc, et.al XXXX on XXXX XXXX credit report.
Due to these futile attempts made by XXXX XXXX to be given fully compliant responses by KWIKCASH Inc, et.al., but not limited to, control and or possession to no avail, XXXX XXXX is filing a complaint with the Consumer Protection Financial Bureau . This letter memorializes that AFTER receiving a letter of debt validation from XXXX XXXX, KWIKCASH INC, et.al. IGNORED the request made by XXXX XXXX, and FURTHERMORE, KWIKCASH INC et.al. placed this alleged account with a third part collection agency, without giving XXXX XXXX prior knowledge. This derogatory tradeline is now on XXXX XXXX 's credit report under the name " XXXX. '' ( attached hereto ) No other details are given about this agency.
XXXX XXXX, et. al. DOES NOT HAVE A CONTRACT WITH KWIKCASH INC, et.al, but not limited to.
This letter memorializes that I, XXXX XXXX, am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.
Fair Debt Collection Practices Act FAIR DEBT COLLECTION PRACTICES ACT. As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information.
Name, address, and telephone number of each person contacted regarding this alleged account, and alleged amount owed.
A copy of any documents provided bearing my wet ink signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed.
Verification of valid basis for claiming I am required to pay the current amount owed.
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor.
A detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest.
The date the original creditor claims this debt became delinquent.
Whether this debt is within the SOL ( statute of limitations ), and how that was determined.
Details about KWIKCASH INC, et.al. authority to collect this debt, whether KWIKCASH INC, et.al. is licensed in South Carolina and if so, provide the date of the license, name on the license, and license number, and the name, address, and telephone number of the state agency issuing the license. If KWIKCASH INC et.al. is contacting XXXX XXXX from outside South Carolina, provide the licensing information from KWIKCASH INC, et.al. as well so that I, XXXX XXXX, may possibly examine it.
I give notice that I know nothing that would or could support alleged unverified and invalidated allegations/claims that are substantively baseless due to the lack of legally lawful evidence that has never been provided to me even after I respectfully gave several certified notices ( attached hereto ). I also gave notice of 30 days that explicitly stated regardless of their response, that their silence equates tacit. During the provided time period, KWIKCASH INC et.al. never substantively responded, and therefore agreed to set terms and conditions, and are therefore estopped from any further claims.
I give notice that any automated response or XXXX verification is unacceptable. I am requesting an investigation along with your method of verification. The item ( s ) in question are inaccurate representing a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If no response is received, I expect this item will be removed from my credit files immediately.
I give notice and all correspondence is recorded for the record on the record to be made part of the record.
I give notice I do not know the law.
I declare to the best of my knowledge the foregoing is true and correct.
FURTHER AFFIANT SAITH NOT Common Law Private American Civilian National Without prejudice UCC 1-207/UCC 1-308 ALL inalienable and fundamental rights reserved non-waived.
XXXX XXXX XXXX XXXX XXXX, Authorized XXXX-In-Fact for : XXXX XXXX Subscribed to and sworn before XXXX ( XXXX XXXX ) this XXXX day of XX/XX/XXXX.
Acknowledgment by Publication ENCLOSURES
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| 02/13/2019 |
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 |
Servicemember |
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In XX/XX/2018 I was working with a VA claim officer who reviewed my record and recommend me to request an earlier effective date for one of my XXXX. Numerous people working at the Dept of Veterans Affairs told me it was an open and shut speak for itself claim that will go in my favor. They said it would be determined in less than 1 week. At the time I had been struggling financially because at 6 weeks XXXX with baby # XXXX I lost the father of my XXXX children. I lost more than half of our income and could not keep up on my salary alone. I became in over my head with debt to a lot of people. Electricity was about to be shut off, rent, car and childcare payments were all past due. Everything was past due and knowing I was about to collect {$40000.00} I took out 3 high interest installment loans because all three said I can cancel within 7 days. So my plan was to just collect the funds earlier, pay everyone, get my back pay, pay it all back and be done with it. But my VA claim was denied. I appealed it and that was immediately denied. And I got stuck paying 3 high interest loans indefinitely. I have paid every pay day since XXXX. I have kept up with my payments at {$1300.00} per month until the Government shutdown. I am a XXXX XXXX who went home for a XXXX 4 day weekend that turned into 35 days of time off without pay. During the shutdown the creditors were very understanding and deferred 2 payments to the end of the loan. But once the government reopened and I asked for one more deferment they all said no, accused me of being super delinquent for non-payment over a month and now they are saying if I don't pay them they will send me to collections/litigation. I wanted to just pay them off. When I log into my account it says my balance is still what they loaned me to begin with but when I called to ask what the payoff is, they tacked on 200 % interest every single day while I was not getting paid during the government shutdown. These companies are completely unwilling to work with me in any way. They say I am to continue to make the monthly payments or pay them double what they loaned me when I have already paid them back what they loaned me. So basically I now have to pay them triple what they gave me because what I have paid was just for their interest and now that the loan sat for a month with no payment, they tacked on 200 % interest that doubled the loan. I got an email from Kwikcash yesterday stating I have 5 days to pay as agreed or face litigation and I have to pay the court and attorney fees and the loan and interest I have accrued. I have XXXX kids ( XXXX still in diapers ) and none who are even old enough to be in school yet. All XXXX are in daycare full time while I work and I have no support, no family, no friends and no help. I am doing the best I can on my own but it is not right that they buried me in debt during the shutdown and are now threatening to make me pay an ungodly amount of money to them just because they say so and if I don't I have to go to court and pay for that as well. If the government had not shutdown I would have never accrued the added interest and I would only have to pay back the principle and be done but they tacked on 200 % and I have 3 of these loans to pay off at the same time and it's just too much. I am now in a position where I can not pay them in full and paying the monthly payments just fills their pockets full but doesn't touch the balance of my loan. It's immoral that these companies are collecting that much profit over an unfortunate situation that was hard as it was. Not to mention the shutdown that I could be facing this Friday if the government doesn't reach a new budget agreement.
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| 11/17/2021 |
Yes |
- Debt collection
- Other 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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In XXXX of XXXX, I got a notification on my credit report of a loan fraudulently taken out under my name and information that I did not take out. Also saw that they ran my credit as an Inquiry on XX/XX/XXXX, again they also ran my credit on XX/XX/XXXX, and again on XX/XX/XXXX without my consent. I had not checked my credit or opened an XXXX until XX/XX/XXXX. I was unaware of this activity because I hardly request credit. During this time I was under XXXX XXXX with very limited income as I did not have a reason or need to request credit. The Original Creditor KWICKCASH Inc. ran my credit fraudulently at XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX gave out a loan to someone under my information of over {$2000.00} and failed to do their due diligence to ensure it was in fact ME requesting this loan. I contacted by phone & attempted & explained this is not my debt, not my loan and that I NEVER have taken out this loan. I requested for them to supply as to where I supposedly signed for this loan, and to provide what Identification they used to give this loan to someone else? They refused to provide that or acknowledge that their staff did not do their job to verify Identification prior to taking out a loan. All they instead said was to pay a collection of Identity theft that is not mine, and to go to my nearest police dept. Yet they failed their burden of proof to provide the documentation that was used by their employees to give out this loan to someone using my information. This has resulted in my credit scores to drop and affect my credit profile significantly. I have numerously tried to dispute this Identity Theft on the credit bureaus, but they keep reporting this non sense. KWICKCASH INC. finally sold this collection off to XXXX XXXX XXXX, XXXX opened XX/XX/XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, KS XXXX. Fraudulent Loan is at {$2400.00} at this time. It's taking me some time to get advise or get advise on how to get this resolved as I can't afford an attorney nor ever have gone through an Identity theft issue as this is the first time I have ever dealt with this before and felt lost after so many attempts to dispute with KwickCash Inc. and XXXX XXXX XXXXXXXX XXXX My goal is to have this resolved by deleting this fraudulent debt off my Credit Profile and all 3 Bureaus and for them to be adjusted and properly removed. I suspect that either the employees at KWICKCASH INC did not do their job ethically and responsibly or their own employees intentionally assisted in taking this loan out for someone they either knew or to help a criminal take it out to just make their commission, similarly to what XXXX XXXX and XXXX did back in XXXX of opening fraudulent accounts, except now the small financial companies like KWICKCASH Inc. are doing it. Please help. A Fraud Alert has been placed with XXXX and am doing my best to further resolve this.
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| 12/31/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Struggling to pay your loan
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Web |
Servicemember |
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We did reach out to KwikCash for a loan when my credit schore was XXXX. I understood my loan payment for {$2500.00} would be {$180.00} for first payment then after that $ 118 Monthly. I also understood my interest rate would be accessed according to my credit score and credit history. KwikCash pused my interest rate to 125 % with a credit score of XXXX!! That is excessive and abusive lending My family experiensed a finicial hardship and reached out to KwikCash to inform them of our finacial hardship and the exccessive interest rate. Kwikcash offered to reduce our rate to 120 % and requested payments every two weeks. Also threatened to sue by filing a civil suit against us and ruin our credit. I asked for them to except one payment per month until we got back on our feet, we were told the under writer said NO. I was also told we had to provide them with a ATM Debit card to pay going forward. I expained we did not have a Debit card to provided to them and I would mail a money order/cashierspayment. I was told they would only allow us to pay by Debt card. I also explained that our goal was to avoid chapter XXXX bankrupt, i did not also know our interest rate was sooo excessive and to please lower it and work with us. I was told they would only lower to 120 %. This is offeal and wrong to threaten us. To threaten to sure a Military Veteran who severed our country and take advantage a soon to be XXXX Vetern is just offeal. Who can justify imposing a 125 % rate on a consumer with a credit score of XXXX % and a soon to be XXXX Veteran. Also the application was done online and the terms were deceptive, unclear. Small print and the payments were understandable to be monthly, not byweekly. Just wrong, and would not work with hardship and refused to take payment unless it was with a ATM card.
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| 11/22/2017 |
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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I received a loan through this lender and eventually could no longer afford to pay the amount I was paying because of my income drop. I tried to go through a third party for debt consolidation and was told that the lender would not accept my monthly payments I could make because it was lower than what they wanted which was about $ XXXX. The lender than filed the claim to sue me in court in their County XXXX XXXX XXXX ) which is not the County I reside in, making it impossible to attend court. I was never properly served by Kwikcash. I then received a letter in the mail from my employer for a wage garnishment in XXXX XXXX. I tried to attempt to request a lower payment in the beginning of XXXX with Kwikcash by calling and was supposed to get a call back and never heard from anyone so I filed a Claim of exemption since I have to support myself and two children under age XXXX and the judge in the County of the lender 's denied my claim. I was sent instructions by my employer that I would receive a letter in the mail on the date of the court hearing in regards to my Claim of Exemption but was never sent a letter. The only letter I received was a letter that the judge denied my request. I was not given a chance to even try to arrange to attend the hearing and submit financial proof that I can not afford this wage garnishment and am falling behind because of it. It is unfair that I was not properly served, I never received a letter in the mail regarding the hearing to attend court to prove my case, and I am unable to have this wage garnishment stopped especially with two XXXX children who require my support.
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| 08/24/2023 |
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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To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 03/10/2023 |
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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To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report.
The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.
The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
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| 08/01/2023 |
Yes |
- Debt collection
- Payday loan 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 sent debt validation paperwork to XXXX XXXX XXXX on XX/XX/2023, XX/XX/2023, and XX/XX/2023. XXXX XXXX XXXX mailed a generic response that they received my request but never provided the paperwork and underlying supporting documentation. The collection account listed on my credit file was deleted in XX/XX/2023 and then added back in XX/XX/2023 while being illegally re-aged. No debt validation paperwork has been received.
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| 09/17/2016 |
Yes |
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Web |
Servicemember |
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I 'm in chapter XXXX bk since XX/XX/XXXX. Payday Loan lender despite court notification of Automatic Stay, got default judgement to garnish my paychecks XX/XX/XXXX. Attorney stopped this based on Automatic Stay Provision, however ; company still has default judgement on my credit bureaus. This is a gross violation and has caused me tremendous harm.
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| 07/25/2023 |
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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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kwikcash XXXX XXXX XXXX XXXX XX/XX/23 I have contacted businesses but I have been getting the run around trying to correct issue due to the account being hard inquiries on report is damaged mine credit
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| 05/26/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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this is a debt collection agency. they are reporting this debt on my reports for a Kwikcash. I have asked this company to validate this account. I have never done business with them. this is a fraudulent account.
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| 10/02/2019 |
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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On XX/XX/XXXX I took out a {$2500.00} loan but was surprised that APR is over 200 % I thought recent CA assembly bill capped loan rates at double figures as this is a CA company the interest seems incorrect
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| 06/14/2018 |
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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I had to take this loan to help out my family. I am struggling to pay it off but I do want to pay it off if the company would work with an easy payment plan.
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| 11/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
Servicemember |
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I applied for loan got approval then got cash now they deduct every week instead of every month.
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| 07/18/2023 |
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 |
Servicemember |
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freud use of my info i did not get a loan with this company
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| 07/16/2022 |
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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| 03/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Problem with the payoff process at the end of the loan
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Web |
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| 09/15/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
Servicemember |
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| 03/12/2015 |
Yes |
- Debt collection
- Payday loan
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- Taking/threatening an illegal action
- Seized/Attempted to seize property
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Web |
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