| 08/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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On XX/XX/2021, Luckmore Finance authorize and UNAUTHORIZE payment to my debit card without my permission. Ive expressed my concerns with a representative of Luckmore Finance ( XXXX ) regarding this matter numerous of times and explained to them that they do not have a right to authorize my debit card whenever they want. I was told several times by more than one employee that Luckmore has the right to authorize your card if the account is delinquent and processed to email me documents ( XXXX ) which clearly does not state their claim.
On XX/XX/2021, I spoke to the CEO/Owner of Luckmore Finance, XXXX XXXX and expressed these same concerns to him regarding his employees informing clients that they have the right to authorize payment without the permission of the client. He stated he will investigate this matter, but I fully aware that he knows about this because his employee XXXX stated, this is what they tell us to tell clients if were questioned. Luckmore Finance is practicing unethical and illegal acts to clients who are delinquent on their account. Since my account has been delinquent, Ive noticed several illegal acts towards my credit report/credit file. To further know that Mr. XXXX is FULLY AWARE of these illegal acts, when I got off the phone with him on XX/XX/2021 @ XXXX, I received a notification from XXXX XXXX @ XXXX stating I had a new injury on my account and low and behold it was from LUCKMORE FINANCE!
I have not lived and the state of Louisiana for 2 years and have not applied for any new accounts with Luckmore Finance.
Luckmore Finance has intentionally reported false and inaccurate information to the credit bureaus, I have noticed several hard inquires on my credit report and inaccurate late payments. Due to these inaccurate and illegal intentions, this has caused me major stress as I am trying my hardest to purchase a home before the new year. Luckmore has ruined my credit worthy to other potential lender due to the inaccurate and false information that being reported to the credit bureaus.
Pursuant to 15 USC 1602 ( p ) unauthorized use, ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Luckmore Finance committed several FDCPA Violations Illegal or unethical communication tactics Taking or threatening illegal action False statements or false representation. ...
Improper contact or sharing of info. ...
Excessive phone calls
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| 08/20/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
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Web |
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On XX/XX/2021, Luckmore Finance authorize and UNAUTHORIZE payment to my debit card without my permission. Ive expressed my concerns with a representative of Luckmore Finance ( XXXX ) regarding this matter numerous of times and explained to them that they do not have a right to authorize my debit card whenever they want. I was told several times by more than one employee that Luckmore has the right to authorize your card if the account is delinquent and processed to email me documents ( XXXX ) which clearly does not state their claim.
On XX/XX/2021, I spoke to the CEO/Owner of Luckmore Finance, XXXX XXXX and expressed these same concerns to him regarding his employees informing clients that they have the right to authorize payment without the permission of the client. He stated he will investigate this matter, but I fully aware that he knows about this because his employee XXXX stated, this is what they tell us to tell clients if were questioned. Luckmore Finance is practicing unethical and illegal acts to clients who are delinquent on their account. Since my account has been delinquent, Ive noticed several illegal acts towards my credit report/credit file. To further know that Mr. XXXX is FULLY AWARE of these illegal acts, when I got off the phone with him on XX/XX/2021 @ XXXX, I received a notification from XXXX XXXX @ XXXX stating I had a new injury on my account and low and behold it was from LUCKMORE FINANCE!
I have no lived and the state of Louisiana for 2 years and have not applied for any new accounts with Luckmore Finance.
Luckmore Finance has intentionally reported false and inaccurate information to the credit bureaus, I have noticed several hard inquires on my credit report and inaccurate late payments. Due to these inaccurate and illegal intentions, this has caused me major stress as I am trying my hardest to purchase a home before the new year. Luckmore has ruined my credit worthy to other potential lender due to the inaccurate and false information that being reported to the credit bureaus.
Pursuant to 15 USC 1602 ( p ) unauthorized use, ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Luckmore Finance committed several FDCPA Violations Illegal or unethical communication tactics Taking or threatening illegal action False statements or false representation. ...
Improper contact or sharing of info. ...
Excessive phone calls
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| 12/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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XX/XX/2021, I mailed out a Affidaivt of Truth ( AOT ) and a Cease-and-Desist Collection Activities to XXXX XXXX XXXX and Luckmores register agent XXXX XXXX. Inside of the AOT, I pointed out how Luckmore has violated several of my federally protected consumer rights. Throughout this entire account period Luckmore as use unfair practices in order to collect on the debt. Luckmore has threaten to file sue as well as garnish my wages, with no intentions on doing so, which is a clear violation of 15 USC 1692e ( 4 ) and 15 USC 1692e ( 5 ). Pursaunt to 12 CFR 1041.7 Luckmore has charged my debit card without my permission on several different occasions which has caused my account to become negative due to insufficient funds available. I have spoken to the CEO regarding this matter on XX/XX/2021 ( on a recorded line of my own ), and after expressing my concerns with him about the unfair and abusive practices, Luckmore placed a hard inquire on my credit report not even one minute after speaking with XXXX. Luckmore uses fake phone numbers to call me in order for me to pick the phone. XXXX has called me from a ( XXXX ) area code number which is the same code where I reside. Luckmore Finance is located in XXXX and XXXX XXXX Louisiana. Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Luckmore has placed several late payments on to my credit report which is a clear violation pursuant to 15 USC 1666b. Also, I NEVER gave Luckmore any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b.
Luckmore has cause severe stress and anxiety due to the abusive and unfair practices. When I see an email or phone call from Luckmore, I so afraid that theyll add additional adverse actions to my credit report which is causing me to NOT get approve for my home loan.
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| 12/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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XX/XX/2021, I mailed out a Affidaivt of Truth ( AOT ) and a Cease-and-Desist Collection Activities to XXXX XXXX XXXX and Luckmores register agent XXXX XXXX. Inside of the AOT, I pointed out how Luckmore has violated several of my federally protected consumer rights. Throughout this entire account period Luckmore as use unfair practices in order to collect on the debt. Luckmore has threaten to file sue as well as garnish my wages, with no intentions on doing so, which is a clear violation of 15 USC 1692e ( 4 ) and 15 USC 1692e ( 5 ). Pursaunt to 12 CFR 1041.7 Luckmore has charged my debit card without my permission on several different occasions which has caused my account to become negative due to insufficient funds available. I have spoken to the CEO regarding this matter on XX/XX/2021 ( on a recorded line of my own ), and after expressing my concerns with him about the unfair and abusive practices, Luckmore placed a hard inquire on my credit report not even one minute after speaking with XXXX. Luckmore uses fake phone numbers to call me in order for me to pick the phone. XXXX has called me from a ( XXXX ) area code number which is the same code where I reside. Luckmore Finance is located in XXXX and XXXX XXXX Louisiana. Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Luckmore has placed several late payments on to my credit report which is a clear violation pursuant to 15 USC 1666b. Also, I NEVER gave Luckmore any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b.
Luckmore has cause XXXX XXXX and XXXX due to the abusive and unfair practices. When I see an email or phone call from Luckmore, I so afraid that theyll add additional adverse actions to my credit report which is causing me to NOT get approve for my home loan.
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| 05/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT.
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME!
The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics.
In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information LUCKMORE FINANCE is furnishing.
ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAIL- DIFFER FROM XXXX XXXX XXXX DATE OPENED-DATES DIFFER FROM XXXX & XXXX BALACE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX & XXXX PAST DUE- AMOUNT SHOWN AFTER ACCOUNT CHARGEOFF LAST REPORTED- DIFFER FROM XXXX & XXXX DATE LAST ACTIVE- DIFFER FROM XXXX XXXX XXXX DATE OF LAST PAYMENT- DIFFER FROM XXXX XXXX XXXX PAYMENT HISTORY- DIFFER FROM XXXX & XXXX LUCKMORE FINANCE was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that LUCKMORE FINANCE complied with this requirement.
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| 05/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT.
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME!
The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics.
In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information LUCKMORE FINANCE is furnishing.
ACCOUNT # -FULL ACCOUNT NUMBER NOT SHOWN ACCOUNT TYPE DETAILXXXX DIFFER FROM XXXX & XXXX DATE OPENED-DATES DIFFER FROM XXXX & XXXX BALANCE- AMOUNT SHOWN AFTER CHARGEOFF HIGH CREDIT- AMOUNT DIFFER FROM XXXX & XXXX LAST REPORTED- DATE DIFFER FROM XXXX & XXXX DATE LAST ACTIVE- DIFFER FROM XXXX XXXX XXXX DATE OF LAST PAYMENT- DIFFER FROM XXXX XXXX XXXX PAYMENT HISTORY- DIFFER FROM XXXX & XXXX LUCKMORE FINANCE was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that LUCKMORE FINANCE complied with this requirement.
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| 12/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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XXXX XXXX from Luckmore Finance Corp replied to my CFPB complaint XXXX stating they offered me a counteroffer and to call to discuss the terms, which is false. I was advised they could not help me and I needed a co-signer and a more current collateral. I called and spoke to XXXX to counteroffer at {$1000.00} then {$2000.00} from the original {$3500.00} I applied for. XXXX advised he had to speak to the owner XXXX and would call back in five minutes rather he spoke to XXXX or not. I did not receive a call, so after two plus hours I called but XXXX was on lunch. I received XXXX information from XXXX, so I called XXXX about the counteroffer offer. XXXX was irate that I filed an CFPB complaint and asked why would I do that. XXXX told me he does not want to do business with me because I filed an CFPB complaint. Federal law is XXXX, XXXX said. XXXX has continuously violated the federal laws. This ordeal is stressful and embarrassing.
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| 12/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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Luckmore Finance XXXX advised I was discriminated against for not having sufficient credit and my collateral was not new enough on the phone. When I receive an advise letter they mentioned information I was not disclosed of. The letter indicated I was discriminated against because they couldnt verify employment. They did not ask me to send anything to verify employment, I did provide my employers number. If anyone calls my employer to verify employment they are transferred to the appropriate department ( I have transferred others that has called to verify a peers employment with us to that department ). They also mentioned other reasons in which they did not advise me of when in fact I did ask for the reasoning.
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| 08/03/2022 |
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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The manager at luckmore finance ( XXXX ), XXXX XXXX XXXX XXXX XXXX has called and texted me several times during my work hours after Ive asked him not to contact me during those hours. He has called from his personal cell phone. Today, he called my job at about XXXX pm, and told the person who answered the phone that I requested him to call me- which was not true. He has already told me he would not contact me anymore and their attorney would, which would be preferred. Im attaching proof of him texting me and calling me from his personal cell phone.
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| 07/28/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Threatened to take legal action
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Web |
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I have been getting repeat phone calls from a debt collector. They call me at least 6 times a day, send text messages and even call my friends XXXX references XXXX as well. They have threatened to report me to the news media and threatened to give my information over to a team of lawyers I guess they deal with. I even tried making a payment thinking that would help but it did n't, they started calling me two days after I made a payment and arrangements. This ordeal has been a nightmare because I really feel like im being bullied.
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| 11/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Luck more financial is a completely fraudulent Co. ever since the onset of the loan, they have dealt in nothing but shady practices. Then ended up taking the truck that was financed.
Upon trying to get everything straight with them I was told that if I paid the balance in full, they would remove the trade line from my credit reports. They have not to this date. I have called, and basically got mocked, and laughed at because of their trickery, and immoral business practices.
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| 02/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Luckmore finance continually keeps putting hard inquiries on my credit its happening without my consent.
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX
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| 08/27/2022 |
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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I am a natural person, I am a living human being, and I have writes under 15 USC 1692 F SECTION 6, 15 USC 6802, 15 USC 1692, and 15 USC 1692 K. Under these laws luckmore finance continued to violate.
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| 04/23/2021 |
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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Luckmore Finance Corporation has ran several hard inquiries unlawfully from one or more credit bureaus. I have never solicited services or had any contact with is organization.
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| 12/09/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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| 01/04/2022 |
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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| 12/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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| 12/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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| 12/05/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Email |
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| 04/04/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Referral |
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| 12/07/2015 |
Yes |
- Debt collection
- Payday loan
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- Communication tactics
- Called after sent written cease of comm
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Web |
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| 06/23/2015 |
Yes |
- Debt collection
- Payday loan
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Phone |
Older American |
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