| 08/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment 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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Best Egg Loan Fraud complaint On Saturday XX/XX/2019 I entered a loan code given to me in a mailer from a loan company called Best Egg into the form on the companys website XXXX to inquire about loan interest rates. The emailer states check your rate online with no impact to your credit score. After I entered my special code and hit enter a screen popped up that had all my personal and financial information, I thought this was a bit unusual. It asked that I pick a loan I was interested in and I clicked on the {$12000.00} for 36 months at 6.93 interest rate. The next screen that pops up states congratulations, your loan is being processed. I panicked and tried to cancel the loan put my username and password was not work, the website stated, username and password are unknow. I had no idea what was going on and I was concerned that this Best Egg is a fraud company. Sunday morning, I checked my XXXX XXXX accounts, and nothing was withdrawn, and nothing deposited. Later in the day I just didnt feel right about what had taken place on Saturday so I called my banks fraud dept. at XXXX XXXX and explained what happened to me and what should I do. The XXXX. agent advised me to close my checking account so they could not gain access to it, to deposit or withdraw any money. She would then open a new checking account and roll over my balance and but put a STOP on any deposits for {$12000.00} from Best Egg. So, I went through that very time consuming process and I thought everything would be o.k..
Not so, the evening of Monday XX/XX/2019 I check my account and XXXX XXXX had not only deposited a check from Best Egg into my account, but they deposited into my new account so now Best Egg had my new account information. I contacted XXXX XXXX fraud dept right away and gave them my reference no. the XXXX XXXX agent had given me Sunday night. She reviewed my case and said yes, that deposit should not have been deposited into your new account, something is wrong, something is very wrong!! We had a long conversation which resulted in her giving me another reference number and told me I would be receiving forms in the U.S. mail that will need to be completed and sent back. I asked If she could send the {$12000.00} back to Best Egg and she said, no I can not, you will need to send the money back. I said, if I send the money back they for sure will get my new account information and I dont want them to have my account information!!!! The phone called ended with XXXX XXXX doing nothing to help me or protect my account.
So Best Egg deposited the {$12000.00} into my account on XX/XX/2019, which surprised the heck out of me. However, I had not even received my loan papers, no Truth and lending agreement, no account number, nothing!! It wasnt until Tuesday XX/XX/2019 that I received a text message from Best Egg saying I can subscribe to Best Eggs mobile alerts. I still did not have an account number and nor did my password or username work on their website.
On Wednesday XX/XX/2019 I checked my checking account and the {$12000.00} remained deposited in my account. I had NOT received any communications from XXXX XXXX.
Thursday XX/XX/2019 I checked my checking account and the {$12000.00} was still deposited into my checking account. No communications from XXXX XXXX. I wanted the money out of my new account to avoid Best Egg from making withdrawals, so I went to the Best Egg website and tried my username and password once again and it still did not work. I had to go to the main Best Egg website and enter the loan code that got me into this mess, and I was able to get into the website and view the loan. I immediately processed a complete loan payoff for {$12000.00} ( this included the processing fee and interest ). I just wanted this loan closed!!! The payment processed and I have a screen shot of the receipt. Note, I have yet to receive any confirmation from Best Egg that this loan payoff has been made but they have withdrawn the {$12000.00} from my checking account. I have a screen shot of my checking account that will prove this and a Best Egg loan payoff reference number.
Friday XX/XX/2019 I check my checking account to pay bills and discover that not only did my Best Egg loan payment for {$12000.00} get withdrawn from my account BUT XXXX XXXX, without contacting me, went and sent the original {$12000.00} back to Best Egg after they told me they could NOT send the {$12000.00} back. I now have no money to pay my bills and I spend the next 2 hours 28 minutes on the phone with XXXX XXXX finest fraud agents XX/XX/XXXX, XXXX and Executive XXXX from XXXX XXXX. I received many apologies for the error that someone made in depositing the {$12000.00} even though there was a BIG STOP on this deposit and someone should have contacted you before they sent the money back, I just dont understand. They were all concerned with not sure how this could have happened. The end of the conversation with XXXX he gave me a XXXX XXXX Fraud Case number and phone number to call Monday morning as there is no one remaining in the office today and XXXX the Executive does not have a clue as to what can be done.
Monday morning XX/XX/2019 I contact XXXX XXXX with the phone number given to me and I am told they are looking into the matter and will contact me.
Tuesday XX/XX/2019 phone number again and they tell me they are still investigating the matter and someone will be contacting me soon. I get home from work and find a dear XXXX letter from XXXX XXXX that states they have investigated the matter regarding the {$12000.00} deposit from Best Egg into my checking account as I had requested and returned the money to CRB Best EGG and the matter is closed.
So, basically my bank XXXX XXXX, withdrew {$12000.00} from my checking account without my permission or contacting me and sent to a possible fraud loan company.
Clearly I will not receive any assistance from XXXX XXXX in recovering my {$12000.00} so I sent an email to Best Egg last night XX/XX/2019 asking them to return my overpayment of {$12000.00} that my bank had sent them and that they are to send the {$12000.00} in a cashiers check addressed to me at the address listed on my load. I have not heard from Best Egg.
I have screen shots and PDFs of all the documents that I can provide you.
Please help me, I just want my hard earned {$12000.00} back so I can pay my mortgage and bills.
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| 12/21/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
Servicemember |
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On XX/XX/2021, after business hours I applied for a loan via ; www.bestegg.com. Since my credit file is locked they requested that I open the file in order to prequalify for an offer. I was advised that a hard pull on my credit would not happen until I accept a loan offer. I accepted the terms and agreements which gave me the option to pay either 3 or 5 years. I accepted the longer term for a better monthly payment that will help me about to double up on the payback. After agreeing to such terms I was told to call in to verify my phone number. However, since it was out of hours of operation I decided to call back the following day XX/XX/2021 at XXXX.
During my phone call on XX/XX/2021 with a Ms. XXXX, I was placed on hold and during this hold time I was going over my emails to find a letter from Best Egg saying that my request for a loan had been closed for not being about to verify my income. When Ms. XXXX returned to the phone call we spoke about this matter and she stated that should would try and help my get things verified. She was very nice and helpful, I was placed on a brief hold and was told someone should reach back out to me regarding this information that she notated on the account. I then thanked her for her time and hung up phone.
I waited a week and called back to get another young lady and her name was Ms. XXXX. This call took place on XX/XX/XXXX, XXXX XXXX. During my phone call with Ms. XXXX I advised her what had happened and she placed me on a brief hold while she was able to go over the notes. She concluded what MsXXXX XXXX said. During which time she advised me to call back on Monday and speak to someone in HR because they are the ones who closed out the loan application and she did not have the ability to reopen it.
I then called back yesterday, XX/XX/2021 at XXXX. During this phone call I was placed on hold while the young a lady by the name of XXXX. During this 40 minute phone call she tried to reach the department that I was asked to speak with and said that they are usually busy and to try them back around lunch hour. Ms. XXXX also stated that she would leave a message for that department to give me a call back just in case I was not successful at my phone call back.
I called back again XX/XX/2021 at XXXX. This time I got another young lady whose name I did not get because by this time I was annoyed with all of the miscommunication. However, she transferred me to a loan application specialist who advised me that I would have to complete another application since the other one was closed. This was not the Information that I was given during the past four ( 4 ) calls so I was a little upset. During this phone call I was speaking with a gentleman whose name again I did not get.
He advised me that I needed to complete a new loan application and I expressed my concern of having my credit pulled again for an inquiry that already took my score down three ( 3 ) points. The gentleman stated that in order to complete the process to get another offer I had to unlock my credit file. Therefore, I did it and other offers were made available for higher dollar amounts but I chose to stay with initial requested amount of {$7500.00}. I completed the exact same process I did during the previous application only this time to call back this morning, Tuesday, XX/XX/2021 at XXXX and get transferred three ( 3 ) times to be told that my pay stubs appeared to be altered.
I am uncertain is to if they were but I am gainfully employed and there are lots of ways to get a person verified. I put in my banking information that was not accepted. However, I have statements and there is a perfectly good HR Department with both jobs that I work for. In fact we have a portal for one of the jobs by the name of XXXX where we download the stubs from. However, my XXXX job is contracted and they are a minority company. I have been with them for well over 5 years now and have never had such unprofessionalism during the process of trying to obtain a loan in which I qualify for.
Following up with the phone call with Ms. XXXX XX/XX/2021 at XXXX I asked her if there was someone else that I could speak with in management and request that the inquiry by removed on each attempt as this is not fair and it appears that they are just trying to get as people to apply by targeting our credit score and not willing to do the work it takes to underwrite the loan and get it funded.
I have attached the documents that were submitted. I do not run the payroll for either office and I do not have control over any errors if any but again, there are lots of ways to verify a person. I have also attached bank statements from my 2nd job that goes into a different account. I bank with XXXX the one I connected and XXXX XXXX XXXX which is now XXXX
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| 05/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
Servicemember |
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I want to make an official documentation before my intent to sue on the basis TILA & FCRA violations and Defamation. I have sent several letters to this company. My first letter explains to them that I was insolvent, and I was not in position financially to continue to make payments. I bring only {$1500.00} a month and I suffer from XXXX which this company had triggered with their phone calls and trying to negotiate a lower payment with an insolvent individual which is bring stress on me. Which I am not in the position to pay anything or anyone. My next letter sent was explaining why I didnt received protection in the first place with a premium insurance protection which I found it was a violation by THEM and is mandate on the lender under TILA requirements. P
er USC 1605 ( a ) ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. When these violations were noted, I am within my right to rescind my contract and seek damages if possible. 15 U.S. Code 1635 - Right of rescission as to certain transactions ( b ) RETURN OF MONEY OR PROPERTY FOLLOWING RESCISSION When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court.
( f ) TIME LIMIT FOR EXERCISE OF RIGHT An obligors right of rescission shall expire three years after the date of consummation of the transaction or upon the sale of the property, whichever occurs first, notwithstanding the fact that the information and forms required under this section or any other disclosures required under this part have not been delivered to the obligor, except that if ( 1 ) any agency empowered to enforce the provisions of this subchapter institutes a proceeding to enforce the provisions of this section within three years after the date of consummation of the transaction, ( 2 ) such agency finds a violation of this section, and ( 3 ) the obligors right to rescind is based in whole or in part on any matter involved in such proceeding, then the obligors right of rescission shall expire three years after the date of consummation of the transaction or upon the earlier sale of the property, or upon the expiration of one year following the conclusion of the proceeding, or any judicial review or period for judicial review thereof, whichever is later.
The lender provided no disclosures for opting in or out for premium insurance or provided any disclosures on my rights to rescind on my contract that was witness and signed by me and/or their agent. Ensuring that I was properly protected on my rights and responsibility and vice versa. Providing printed documents without initials and/or signatures does constitute those individuals was properly educated on their disclosures. My rights under 15 U.S. Code 1691 is defin
itely being violate. I notify this lender in XXXX 2022 and the account remain open, they are being deliberate in allowing the account to go into negative reporting status, the account remain in open status and knowing their practice they will discharge the account after so many months and note closed by creditor which is damaging my credit.
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| 05/18/2022 |
Yes |
- 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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On XX/XX/2022, I applied for a {$9000.00} personal loan through Best Egg, based on a recommendation from XXXX XXXX via email.
Later that afternoon I received a text from Best Egg congratulating me in the loan approval.
On XX/XX/2022, I received an email stating I was officially a customer and would receive funds in 1-2 business days. The email provided an account #, and a link to an account portal. The email stated that the loan proceeds were {$8400.00}, and the monthly payment was {$320.00} and the first payment was due XX/XX/2022. I followed the link hoping to see additional information, like loan terms. When I tried the link, I received account not found message. I called Best Egg customer service and told agent I received an email, but I had no idea what the terms of the loan were and the link they sent me said I did not have an account. Agent stated that I would receive an email from Best Egg with a XXXX XXXX XXXX document that outlines the terms and conditions of the loan. After I sign this, loan will be dispersed. She said the email was automatic and as soon as I received the XXXX XXXX XXXX document, an account portal link would be created as well. According XXXX the agent I should receive this email in 1-2 days.
On XX/XX/2022, I received an email stating my statement was now available with a link to the portal. I had not received any account information, so I ignored the email.
On XX/XX/2022, I received an email from Best Egg stating it was a statement. Again, I had no information on the loan terms or any funds. I decided I no longer wanted a loan with Best Egg as their practice seemed very poorly communicated and I feared the type of customer service I would have if I moved forward. I sent an email ; on XX/XX/2022, stating I wanted to cancel my loan application, to be removed from all email lists because I had not received any communication from them or any funds.
On XX/XX/2022, I received an email from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This email stated they needed additional verification information from me along with a list of what was acceptable. I replied to XXXX XXXX re-stating my email of XX/XX/2022. I wanted to be removed from the application, to be removed from all email lists because I was no longer interested in pursuing a loan with them.
On XX/XX/2022, I was reviewing a copy of my credit report and saw that Best Egg has listed that I had a {$9000.00} loan with them, and my balance was {$9000.00}, and the status of the loan was Open. I immediately called Best Egg and proceeded to demand answers as to why my credit report showed an open loan when I in fact did not have a loan. Additionally, I was concerned that the automatic payment would be deducted from my account. The supervisor I spoke with stated that this was not how Best Egg did business and he apologized. He said he could see the funds had not been dispersed and that he would cancel my account immediately. He said the credit bureau report would take approximately 30 days to remove. When I asked about the auto payment, he assured me several times they would not attempt to take funds as he was closing the account.
On XX/XX/2022, I received an email from XXXX XXXX stating that a withdrawal in the amount of {$320.00} was submitted on XX/XX/2022 but was declined because there were not enough funds. On XX/XX/2022, I also received a statement from Best Egg via email. This email again linked to a portal I have no access to.
On XX/XX/2022, I called Best Egg and asked to speak with a supervisor. The agent, XXXX, asked what the reason was. I explained the history of my dealings with Best Egg. I asked him to relay what kind of notes were on the computer regarding my account. He stated that I had contacted them XX/XX/2022 to cancel my account. He showed a payment reversal on XX/XX/2022. I told him Best Egg attempted to take money from my account and I demanded to speak to a supervisor. The supervisor named XXXX refused to get on the phone with me until I emailed a copy of my bank statement showing the charge from Best Egg. How can a company try to take money and put in your credit report that you have a loan with them when in fact I do not? How is this legal?
Lastly, on XX/XX/2022 I received another email from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is identical to the email I received and replied to on XX/XX/2022.
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| 06/13/2022 |
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, XXXX XXXX XXXX, consumer and of competent mind and age affirm that this complaint is accurate and true to my belief. Best egg is reporting false, negative a deceptive information to XXXX, XXXX and XXXX. Pursuant to 15 usc 1602 ( j ) The terms open end creditplan and open end consumer credit plan mean a plan under which the creditorreasonably contemplates repeated transactions, which prescribes the terms of suchtransactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning ofthe preceding sentence is an open end credit plan or open end consumer credit plan evenif credit information is verified from time to time. My social security number, in which pursuant to 15 usc 1602L The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I never gave Best Egg written or verbal permission to furnish my private personal information to the consumer reporting agencies. This includes all credit tranactions and experiences which should be excluded from the consumer report pursuant to 15 usc 1681B. Best Egg never gave me a disclosure to opt-out of having my private information furnished to any of the consumer reporting agencies pursuant to 15 usc 6802 . Best never gave me a right to recission pursuant to 12 CFR 226.23 - Right of rescission and 15 U.S. Code 1635 - Right of rescission as to certain transactions. Additionally, according to 15 usc 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. I had a balance that exceeded {$1.00} several times over the history of having this open-end credit plan. I have not received any disclosure separate from my billing statements 21 days before the statement date.
According to the 12 USC 411 The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States.The Secretary of the Treasury shall pay interest due or accrued on the public debt. Also 31 usc 3123 ( b ) As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. Best Egg has created the false believe that I/Consumer is obligated to pay this debt using Federal Reserve Notes or Floating Rate Notes, which is false and is considered extortion under 18 usc 1961 . If there is no lawful money and Federal Reserve notes are considered debt instruments and pursuant to 18 usc 8 the United States is responsible for all debts both public and private. How am I suppose to pay for something that has already been paid using my social security number?
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| 09/05/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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On XX/XX/2018 I went onto XXXX to look at loans to consolidate credit card debt. I was on their website at XXXX XXXX looking at XXXX loan rates. Someone from a different company called me at XXXX XXXX. At first I thought she was from XXXX or an affiliate. I went through the application process with that company ( XXXX XXXX ). I received approximately {$9500.00} a few days later in my bank account. I immediately used the money to pay off the credit card debt.
On XX/XX/18 I was reviewing something on one of the credit cards and realized I had a credit on the account for the exact amount I paid. I began to look into and realized I had a second loan through Bestegg I did not know about. I did not receive any notice of accepting a loan or a trust in lending agreement. I did not sign anything with XXXX. Upon closer inspection I realized XXXX had deposited the {$9500.00} into my account and XXXX XXXX had paid directly to my credit card.
I called XXXX on the evening of XX/XX/18. XXXX 's automated system stated twice that there was no account. I spoke with someone from customer service named XXXX. I asked XXXX for copies of all of the loan information. XXXX told me they do not give out copies ( On the XXXX website it states all documentation will be provided electronically if you e-sign ). XXXX told she had reviewed my account and that I had e-signed for the loan. I explained to her that I had not but she insisted that I did. After a few minutes I explained if they can not prove I have a loan I will not make any payments. At that time I was transferred to XXXX XXXX.
XXXX XXXX stated the same, that I had e-signed for the loan and they could not email me the documentation. I asked if there is a time frame that I could rescind the loan. XXXX XXXX stated there was a 3 day window but it had passed. I explained to her I did not know about the loan and wanted to return all of the money. She said I could repay all of the money but I would still owe the origination fee and interest. By the end of the conversation she agreed to send me a copy of all of the documentation by mail in 7-10 days.
On XX/XX/18 I called XXXX again. This time an account was pulled up instantly by their automated service. I spoke with XXXX ( from their loan department I think ) and she said I would have to go through customer service to resend the loan. She transferred me to what she said was a customer service manager XXXX XXXX.
I explained the situation to XXXX XXXX. He repeated the same as XXXX XXXX that the 3 day window had passed. I explained I had not received any documentation about a loan so I did not know about it until yesterday XX/XX/18. XXXX said I e-signed the application and there was nothing he could do. I explained to him I thought I was review rates and clicked on XXXX to review the rates. XXXX said by clicking that button I e-signed for a loan. I asked about the documentation for the loan he said it was provided after I was approved on their website and that I should have printed it. I asked if I could access the information on their website now and XXXX said there was not. He stated they are mailing the information to me and that it is against federal law to email me the documentation. Once I told him I was going to file a complaint he offered to send me to his supervisor by the make of XXXX. XXXX was not available and I was told he would call me back within 24 hours.
The button you click appears to be an agreement that you will e-sign the loan application, but in reality they use that click as your e-signature. You have to check that box to review any information about the loan. It doesn't make any sense. The practice of having someone click a button for loan approval before they can even review the terms of the loan is very deceptive.
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| 08/31/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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I received a pre-approval from Best Egg. I submitted the information ( SSN, income, etc. ), to which I was instantly approved for {$21000.00} ( with the specific comment that {$20000.00} will be deposited into my checking account ). A few days later, only {$20000.00} was deposited. I immediately called Best Egg to inquire about the difference, and was told " since you have no proof, there is nothing we can do to help you ''. I HAD taken screen shots, but the way Best Egg produces information on the screen, when I went back to the screen shot, it auto-directed me to the website, and since my ID/password are saved in there, it logged into the funded loan ( showing only the {$20000.00} deposit ). I had nothing to provide, since Best Egg wanted proof ( assuming I 'm a criminal, I guess ).
Then, last week, I received a letter from Best Egg that specifically states, " We hope you 're enjoying your Best Egg loan. It has come to our attention that, due to a system error, the pricing notice that was presented to you when you applied omitted your credit score. We apologize for this error, and we have enclosed a corrected copy of the notice for your records '', which tells me there was a computer/system error in which my credit score was not taken into consideration ( thus higher pricing ). Then, after the loan was approved and about to fund, they must have realized my loan was priced incorrectly, and increased the fees by {$400.00}.
I just called and spoke with Best Egg about the issue ( for the 2nd time ). I explained that I received the letter last week that clearly states there was a " system error with the pricing notice '', though, she tried to say that the letter has a different meaning. I re-read the letter 2-3 times to her, and we just simply had to agree to disagree. Again, it 's the use of " due to a system error, the PRICING NOTICE that was presented to you when you APPLIED omitted your credit score '' -- pretty clear to me.
She finally said unless I could prove to them that I was disclosed the {$20000.00} during application, there is nothing she can do. I asked if I was her mom, or brother, or other family member, and this happened, how she would resolve it, and she said through the technology department. I am confused why she did n't transfer me over there so they can research my issue.
Bottom line : this is bait and switch! I applied for the loan, and was approved ( based on fees of only {$700.00} ) ; then, after I accepted the loan ( with only {$700.00} in fees ), someone noticed the pricing error and simply added {$400.00} in fees. I want those {$400.00} in fees either deposited into my checking account ( as initially disclosed to me ), or a principal reduction of {$400.00} to my outstanding loan balance. This sort of shady lending has GOT to stop! I already swallowed a big pill to accept this crazy-high interest rate, but the double-punch of the {$1100.00} in fees is simply unacceptable!
Word of advice for anyone applying for any type of loan from Best Egg, PRINT EVERYTHING! Do not assume anything will stay, as this lender is motivated to hide and cover up their mistake, so that they win. Please, CFPB, do n't let them win!
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| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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i wrote a complaint stating the following " I am not denying my account or stating this account isn't mine. I am not asking for verification as defined pursuant to 15 U.S. Code 1681a ( l ) ( 2 ) ( A ) information in the consumers application for the credit or other information bearing on the credit worthiness of the consumer ; or pursuant to 15 U.S. Code 1681a ( l ) ( 2 ) ( B ) of the information in the consumers application for the credit to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. I am demanding you to remove my account information as you have no permissible purpose to furnish a consumer report in regards to i the consumer '' along with a detail complaint letter of the violations conducted by BEST EGG, best egg then responds with the following " Our records confirm that you applied, accepted, and were approved for a Best Egg Personal Loan. The loan was opened on XX/XX/2021, in the amount of {$6000.00}. Prior to funding, you agreed to the terms and conditions of the loan, as detailed in your XXXX XXXX, and as described in your Truthin-Lending Disclosure Statement. For ease of reference, please find copies of those documents enclosed '' this response has nothing to do with permissible purpose According to 12 CFR 1022.3 ( h ), identity theft occurs when a fraud is committed using the identifying information of another person without authority. In my case, XXXX XXXX XXXX, acting as a consumer reporting agency as defined in 15 U.S. Code 1681a of the Fair Credit Reporting Act ( FCRA ), has furnished and shared my consumer report without authorization. This constitutes an unfair act or practice in connection with a consumer credit transaction, as outlined in 12 U.S. Code 5531 ( c ) ( 1 ) ( A ). This act has caused me substantial injury in the form of identity theft, which was not reasonably avoidable I have not given you written instructions to furnish a report on my behalf to the credit bureaus thinking you as a financial institution are lawfully allowed to report my information I was misinformed and confused from your abusive acts misleading acts, furthermore, Best eggs actions constitute an abusive act or practice under 12 U.S. Code 5531 ( d ). Specifically, they have materially interfered with my ability to understand the terms and conditions of the consumer financial product or service, taken unreasonable advantage of my lack of understanding of these terms, and taken unreasonable advantage of my inability to protect my own interests in selecting and using this product or service. They have also taken unreasonable advantage of my reasonable reliance on them to act in my interests as a consumer In accordance with 12 U.S. Code 5536, it is unlawful for a covered person like Best egg to offer or provide a financial product or service that does not comply with federal consumer financial laws, or to engage in any unfair, deceptive, or abusive act or practice. I therefore request that you take any action authorized under 12 U.S. CODE CHAPTER 53 SUBCHAPTER V Part E to prevent Best egg from engaging in such actions against me and other consumer nationwide
|
| 08/03/2023 |
Yes |
- 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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AS OF XXXX XXXX, I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT BESTEGG XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan XXXX Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$240.00} {$240.00} {$240.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$4900.00} {$4900.00} {$4900.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$6500.00} {$6500.00} {$6500.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Unsecured Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
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| 01/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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Good afternoon!
I must say I am very frustrated with THESE COMPANIES. I have been trying to get a loan with THEM for years. Even when I had a XXXX to XXXX XXXX XXXX, I could never get loans with you. I have been wondering for many years that maybe it's just me and maybe it's my credit. I have been going years and years with disputing things off my credit and getting my credit as high as ever. I have done everything to try to make my credit manageable, and I have still BEEN turned down for a loan every time. So now we are gon na do things my way!
Let me inform your company of some Laws protecting consumers.
12 cfr part 1002 talks about the Equal Credit Opportunity Act. Consumers by law can not be denied credit. By law you all can not deny me credit transactions for any applications.
Please see the screenshots below I am a CREDIT WORTHY APPLICANT. Individual accounts can not by law deny me credit. This is DISCRIMINATION. I have many adverse action letters even from when my credit was even in the mid XXXX and I was still getting denied. So it makes me think who is responsible for this, the credit bureaus or your company..
Please refer to the other screenshot below. Adverse actions are illegal amongst consumers.
Adverse action : ( ii ) does not include ( I ) information solely as to " transactions '' or experiences between the consumer and the person furnishing the information; or ( II ) information in a consumer report.
These are transactions that I have applied for for years and I was turned down everytime. This is {$1000.00} per violation if I pursued this towards court.
This is 15 u.s. 1681m. Please view that as your company has broken this law and has resulted in me being denied for credit over and over. My SSN is my credit card which has been unauthorized by your company, bureaus etc. So you all can make money off my ssn but I can't benefit from credit transactions which are illegal!! Loans, Mortgage, car notes etc are extensions of credit transactions!
There is civil liability for violation of these laws! Please see 15 usc 1692k. I posted the screenshot below I have been denied credit from you for years and I refuse to be denied again.
Please forward this to your manager or corporate and have them contact me immediately! I want a loan of {$50000.00} or higher. I deserve that amount for all the years of frustration your company has caused me!!! I also want to get some credit cards to improve my credit asap!
Please don't make me go to higher authorities and take you to court like I may soon do with the credit bureaus. If I take you to court, I have consumer rights attorneys waiting for a case like this. Keep in mind, this is {$1000.00} per violation and I have years worth of denial letters from you so you do the math Thanks!
XXXX XXXX
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| 01/04/2023 |
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
- Their investigation did not fix an error on your report
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Web |
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Please be advised this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
BEST EGG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 08/21/2017 |
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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Im a victim of identity theft and have had a fraudulent personal loan opened in my name with a company by the name of BEST EGG/SST. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. The address on file that BEST EGG/SST have for this fraudulent account does not belong to me, and Ive never resided at the address. This company keep trying to validate this account as being a valid account, because this account was opened in my name which in inaccurate. I didnt consent, authorize, apply, nor request for this fraudulent personal loan to be opened in my name. I have several documentations showing that this is a fraudulent personal loan, but this company keep trying to validate this account with the credit bureaus as if this is a valid account. The address on file is does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed this fraudulent account as a fraudulent personal loan, and it is documented with the XXXX police department that, Im a victim of identity theft. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. When a consumer is a victim of identity theft that account that was opened in the consumer name will show that the account is a valid account. Due to the fact the perpertrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in the consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this consumer. Im not going to be liable nor responsible for a fraudulent personal loan being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files asap, and for this fraudulent personal loan to be removed out of my name immediately.
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| 08/01/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
Servicemember |
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THIS IS NOT A DUPLICATE COMPLAINT!! YOUR COMPANY HAS COMMITTED CRIMINAL INDIVIDUAL ACTIONS WILLINGLY AND KNOWINGLY. Yes, I entered a consumer transaction with this Company. However, when my hardship occurred, I have learned that fraud has been committed against me. In the false and deceptive form that I was aggrieved in, I was not offered Insurance with my Finance Charge in clear violation on 15 USC 1605a ( c ). Your company is in violation of breaking a number of consumer protection laws, including but not limited to : 15 USC 1635 - Right of Recession ( this was not included in my contract ) Pursuant to 15 USC 6802b ( 1 ), A financial institution may not disclose non public personal information to a non affiliated third party ( which are the bureaus, they are non affiliated third parties ) unless -- Pursuant to 15 USC 6802b ( 1 ) a, b, c such financial institution clearly and conspicuously discloses to the consumer, in writing in electronic form or other form permitted by the regulations described under section 6804 of this title, that such information not be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to DIRECT SUCH INFORMATION ; NOT BE DISCLOSED to such third party ; and ( C ) the consumer is given an explanation of how the consumer can EXERCISE THAT NONDISCLOSURE OPTION. Your company never disclosed to me this information or gave me my explanation of how I can exercise my nondisclosure option which is my right by law to not have this reported. Any transaction involving a finance charge is the sum of all charges pursuant to 15 USC 1605a and federal law states that insurance is supposed to be included in the finance charge, 15 USC 1605c and my finance charge didn't include insurance or give me the right to include it. Making this a fraudulent contract. It also states pursuant 15 USC 1605b ( 2 ) they were permitted by law to provide me with a written disclosure of the cost options for insurance, so that I may give written affirmation of my desire to have it included in my finance charge. I was never given this information. They also never gave any material disclosure disclosing I have a right to rescission, Pursuant to 15 USC 1635 of any consumer credit transaction involving a security interest. Making the RETAIL INSTALLMENT CONTRACT ACCOUNT between BUYER XXXX XXXX and XXXX your company is in so many violations of the TRUTH IN LENDING ACT as well as CONSUMER XXXX XXXX XXXX which means I XXXX XXXX XXXX XXXX to rescinding the contract.
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| 08/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Older American |
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I am writing to provide additional information and clarify the circumstances surrounding the credit card dispute related to the XXXX XXXX purchase. I recently received a receipt from your bank stating that it serves as proof of delivery for an order made at XXXX XXXX. However, I would like to bring to your attention the inconsistencies and inaccuracies in this receipt, which cast doubt on its validity.
Firstly, I want to emphasize that I did not place an online order with XXXX XXXX. The receipt provided by your bank indicates that the order was delivered to my address, which is incorrect. This order was, in fact, an in-store pick-up at an XXXX XXXX located in XXXX , Florida. The receipt should reflect this information accurately in order to prevent any further confusion.
Upon contacting XXXX XXXX directly, I was informed that the order in question was indeed an in-store pick-up, as I had previously stated. The pick-up person was required to present their driver 's license, and the order was under the name of " XXXX. '' It is essential to note that I am not associated with this name or any online XXXX XXXX account. Therefore, the receipt provided by your bank, indicating my personal information and an incorrect telephone number, is misleading and erroneous.
In addition, the receipt contains conflicting sections. While one part claims to be a proof of delivery, another section states that the number of delivery packages is zero, and the date of delivery is not available. This inconsistency further highlights the unreliability of the receipt as proof of delivery.
Considering the above discrepancies, I kindly request that you reevaluate the information provided and reconsider the validity of the receipt as proof of delivery. I would appreciate your assistance in resolving this matter promptly and ensuring that my credit card dispute is resolved fairly and accurately.
Enclosed with this letter are copies of the receipt in question, as well as any other relevant documents or evidence supporting my claim. I trust that these materials will aid in clarifying the situation and support my position regarding the inaccuracies in the receipt.
I am XXXX XXXX years old and do not shop at XXXX XXXX as I have no need for anything in that store.
Thank you for your attention to this matter. I look forward to a swift resolution and a favorable outcome. Please do not hesitate to contact me via email if you require any further information or if there are any additional documents that I can provide to assist in the investigation.
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| 09/15/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Problem with additional add-on products or services
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Web |
Older American |
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This was my wife, XXXX 's loan of {$18000.00} from Best Egg. I wrote on her behalf and notified them We are experiencing extreme financial hardship as a result of severe health problems including an XXXX XXXX I suffered and multiple XXXX XXXX my wife suffered that has caused massive medical bills and left us both XXXX, physically and financially. I am XXXX, XXXX is XXXX.
You proposed a settlement option '' of our financial hardship. Your agent, XXXX XXXX # XXXX ), who had written us offering XXXX interest options, called XXXX who gave me permission to talk with him since I am not a party to the loan. He said he was authorized to cancel the old loan and propose a loan under new terms. We would not agree without written loan papers which he promised to send via email immediately after our call. He stated the terms, I repeated them, I gave him my autopay info, he said I was correct, then said, " plus the {$440.00} ''. then hung up and did not follow through with his promise to mail the papers. The call was recorded.
XXXX then signed a new loan on their website in our names after removing and cancelling the old one. He used my debit check card number WITHOUT my permission. I cancelled this immediately via email and phone the next morning, explained the fraud to his office and they cancelled the transaction. We no longer trust anything said to us as this obvious fraud clearly raised questions as to their business integrity and/or willingness to follow existing law. Their agent CANCELLED the original loan and replaced it on his own with a fraudulent one signing XXXX up and using my autopay information wholly without our permission. Since they unilaterally cancelled the original loan, it is null and void.
I responded to their letter dated XX/XX/2023 in which they are attempting to collect a debt. Please record that our only income comes from Social Security and workers compensation benefits that are protected by Federal law from garnishment to pay a debt owed to a private person or company. My total income is XXXX XXXX monthly, my wifes is XXXX XXXX monthly. The only other income is an annuity she received as compensation for being 100 % XXXX from her employment, an amount less than her SS. Our mortgage is {$2100.00}. Thankfully, our equity is protected by our automatic homestead in AZ which will keep us in our home which we have owned for 10 years.
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| 10/13/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Problem when making payments
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Web |
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I wish to formally lodge a complaint against Best Egg concerning the handling of my personal loan. Over the span of six consecutive months, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have observed that none of the payments I made during this period were allocated towards reducing the principal balance of the loan ; instead, they were exclusively applied to cover the accruing interest.
During this time frame, specifically on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I executed automated payments amounting to {$190.00} on my Best Egg personal loan. Regrettably, out of these payments totaling {$1100.00}, not a single dollar has been directed towards reducing the principal balance of the loan.
In an attempt to address this issue, I contacted Best Egg on XXXX XXXX XXXX However, the representative from Best Egg attributed this problem to a " computer issue '' and refused to retroactively credit the payments towards my principal balance, as they should have been over the past six months.
As of today, my loan 's principal balance remains at {$6500.00}, which is the same amount it has been since XXXX XXXX XXXX I initially obtained this loan in XXXX XXXX for {$7000.00}, with a fixed interest rate of 20.51 %. I agreed to a payment schedule consisting of 59 consecutive monthly payments of {$190.00}, with one final payment covering the unpaid principal balance, interest, fees, and charges.
To alleviate financial hardship, I had previously availed two 'Payment Holidays ' from XXXX XXXX XXXX XXXX XXXX XXXX XXXX totaling four months. During this period, it was agreed that the interest on my loan would continue to accumulate, and the loan term would be extended to provide temporary payment relief. However, it was not part of the terms to have {$1100.00} applied exclusively to interest and {$0.00} towards the principal balance for six consecutive months post 'Payment Holiday '.
I sought the 'Payment Holiday ' due to financial challenges arising from my responsibility to care for my XXXX mother and her medical expenses while still supporting my household. As of now, my loan balance comprises {$6500.00} of the remaining principal balance, {$2000.00} paid in interest, and {$830.00} contributed toward the original loan 's principal balance.
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| 10/18/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
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I had a personal loan with Best Egg that I originated online and paid automatically on a monthly basis through my checking account. About one year into the 36-month term of the loan, we refinanced our home, and the lender added a condition that the Best Egg loan balance must be paid out of escrow funds before our refinance would close.
On the day the refi was funded - XX/XX/2016 - the escrow agent called Best Egg and attempted to make a payment. He offered to do a wire transfer and was told that it would not be acceptable. He offered to do an ACH payment and was told it would not be acceptable. He even offered - with my blessing - to log into my Best Egg account and initiate a payoff from there. He was then told that all of these options would be unacceptable, and the only way that Best Egg would accept a payoff was via check, mailed to their address.
Here 's what Best Egg did not say : They charge daily interest, so every day that goes by without receiving my payoff, they charge me more money. Each day, almost {$10.00} - I believe it was {$9.00} to be exact - was added to the loan balance. So they did n't receive and credit my payoff until XX/XX/2016, resulting in {$39.00} in extra charges to me. I feel that this is unacceptable and almost fraudulent - they engineered a process by which they could tack on a few extra days ' interest to every single loan payoff, and did n't even have the courtesy to tell the escrow agent that this is what would happen. As a result, they never considered my account paid off - rather, they now consider it to be delinquent with this minor and ever-increasing interest balance.
I contacted Best Egg this morning, XX/XX/2016 and spoke with " XXXX. '' XXXX informed me that they are unwilling or unable to adjust the interest charges, and this is just how their process works. Despite being fully able to take electronic payments on a monthly basis from my checking account, electronic payoffs just are n't allowed because - XXXX 's words - " our systems just ca n't handle it. '' So apparently I 'm supposed to pay this extra interest, based on a payoff date of XX/XX/XXXX, even though my agent was on the phone XXXX days earlier offering up numerous electronic payment options? I think this is outrageous.
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| 09/23/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment 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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In XXXX, Best Egg offered me an opportunity to apply for a loan at a lower rate that would allow me to consolidate two personal loans that I currently have with XXXX XXXX. The total amount financed on XX/XX/XXXX was {$46000.00} ; they agreed to direct pay my loans with XXXX XXXX and direct deposited the balance of {$2600.00} into my personal checking account.
On XX/XX/XXXX, I was notified by XXXX XXXX that they had received paper checks with my account number on them but they claimed that there was no name included so they would need some information ( loan number, issuing bank & check number ) from me before they would apply the funds to my accounts. ( emails in documents ) I was concerned about the amount that they claimed they received for the larger loan because it was {$2000.00} less than Best Egg said they had paid. I contacted Best Egg to get the information but was told that they would have to research it and get back to me. When I heard back from Best Egg some time later and provided the information to XXXX XXXX, I was told that the holding period had passed and they had returned the funds to Best Egg. I again called Best Egg to explain and was told that the checks had been cashed so as far as they were concerned, the money had been paid and there was nothing they could do to help me.
I then went back to XXXX XXXX several times to ask for proof that they had returned the funds but they were either unable or unwilling to provide me with any information. As it stands, I have no idea where the money is but both companies are charging me monthly payments. I have spoken to dozens of agents but have not been able to get this resolved. Best Egg has not honored their agreement to pay my loans but they are continuing to withdraw money from my account. I will also be duplicating this complaint against XXXX XXXX because they admittedly cashed the checks but have not credited my accounts.
This has put a significant strain on my monthly finances and had a serious negative effect on my credit score. I have used savings to meet my obligations but will not be able to continue to make double payments. I need help to get this resolved because I feel like both companies have turned a deaf ear to the situation.
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| 03/31/2022 |
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 |
Servicemember |
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I Consumer, XXXX XXXX extended credit to Best Egg/XXXX XXXX XXXX entering into a consumer credit transaction through the extension of credit in accordance with the Truth in Lending Act.
Upon review of my right and reports I submitted a dispute to the credit bureaus requesting that the Best Egg accounts listed on my consumer report be removed in accordance with 15 USC 1681a ( 2 ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report.
In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided.
Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Upon reviewing all of my documents, I WAS NOT provided with clear instruction to utilize my ability to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out.
There is no law that states that anything has to be reported on my consumer report but there are multiple that state that I have a right to privacy and that I MUST provide consent to the sharing of any of my personal nonpublic information.
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| 12/14/2022 |
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
- Their investigation did not fix an error on your report
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Web |
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This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
XXXX Credit Reporting Agency lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, 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 update the item from my 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 creditor, otherwise update this account immediately. UPDATE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
BEST EGG XXXX Open Date XX/XX/ Balance : {$0.00}
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| 03/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
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As a federally protected consumer, I am hereby expressing my right to privacy and this is an OPT OUT notice per 12 CFR 1016.7 I am now opting out and rescinding and ALL authorization, I the consumer any have given you. I mean any and all consent whether it be written, unwritten, verbal, implied, and nonverbal is revoked per 15 USC 6802. Per the FCRA 1681b ( a ) states that " In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates " Therefor any furnisher of information to credit agencies and the consumer reporting agencies do not have my consent to furnish this information, and they surely do not have my written consent. According to the Privacy Act of 1974, the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, NO AGENCY shall DISCLOSE any record which is contained in a system of records by any means of communication to any person or to any agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. You have violated both the FCRA and also the Privacy Act of 1974 Per the FCRA 15 USC 1681a ( 2 ) Exclusions, a report containing information solely as to transactions or experiences between the consumer and the person making the report ; Therefore, REPORTING transaction history is illegal. Please comply with my DEMAND regarding the removal of the account immediately, being that you have continued to violate my rights as Consumer. I have suffered mentally and emotionally. This is not my first complaint. You have a full understanding of the violations. You are aware you are breaking the law. Immediate action will take place Per the FCRA 15 U.S. Code 1681n for willful noncompliance.
By : XXXX XXXX All Rights Reserved
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| 05/06/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
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Web |
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I took a 36 month personal loan with this company in XX/XX/XXXX for {$10000.00} to consolidate my debt. The information I received in the mail stated the APR would be 5.99 %. On XX/XX/XXXX, I received a EFT deposit of {$9500.00}. They withheld {$490.00} for their service fee. My annual APR is 25.99 %. XX/XX/XXXX payments are {$400.00} per month. ( Principal {$270.00} + Interest {$120.00} ). I am 2 months ahead in my payments. The last statement I received, stated my next payment is due XX/XX/XXXX. Over the course of 36 months I will repay {$4500.00} in interest plus the initial {$490.00} service charge, for a total of {$5000.00}, plus the loan of {$9500.00} = {$14000.00}. I sent an email to their customer service dept., requesting that they review my payment history with them and consider lowering the interest rate, as I am not a credit risk. I received an response stating that I would need to call customer service, since they do not discuss private information via email. I called the number and spoke to man who politely explained that I would have to speak with their customer service dept. and transferred the call. I then spoke with a girl who sounded as though she was a child and clearly did not want to listen to me. She bluntly told me that WE ABSOLUTLY DO NOT Negotiate interest rates and I could make additional payments to reduce the loan. I thanked her and hung up. I am not asking that they change me no interest, I was asking if they would lower the interest to a more reasonable rate, since I am in good standing and have proven my ability to repay. I was misled by the initial paperwork I received and that this company clearly takes advantage of the public. I am paying back over 50 % in interest and processing fees. This is unacceptable and other consumers should be warned of this scam. A person should not need a magnifying glass to read the fine print, it should be clearly spelled out for them. I believe these business practices to be deceptive and misleading and this company should be held accountable for the people they have taken advantage of.
|
| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Subject : Follow-Up Consumer Opt-Out Dispute - Urgent Action Required- BEST EGG Personal Loan ACCOUNT NUMBER XXXX OPT-OUT MAIL TRACKING NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I am writing to follow up on a letter dated XX/XX/2023, in which I formally opted out of any and all authorizations, whether written or unwritten, verbal or non-verbal, that I may have given to BEST EGG. This request is made in accordance with my rights as a Federally protected consumer under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
Regrettably, BEST EGG has chosen to ignore my initial opt-out letter entirely, and my consumer information continues to be furnished without my consent. This persistent violation of my rights under the FCRA is unacceptable.
I am now submitting a formal dispute with the following requests : 1. **Immediate Removal of Furnished Information : ** I request that [ XXXX XXXX ] takes immediate action to remove any and all information pertaining to my consumer report. This is in line with my explicit opt-out directive, which covers both written and unwritten, verbal and non-verbal authorizations, as per 15 U.S. Code 6802.
2. **Compensatory Damages : ** In the event that BEST EGG willfully continues non-compliance with 15 U.S. Code 6802 by failing to honor my opt-out request, I reserve the right to seek compensatory damages. I request that BEST EGG pays a minimum of {$1000.00} for every offense of willful non-compliance.
This dispute is filed with the expectation that the Consumer Financial Protection Bureau will investigate this matter promptly and take appropriate action to ensure BEST EGG complies with federal regulations.
I appreciate your immediate attention to this matter and request confirmation of receipt of this dispute. I trust that the Consumer Financial Protection Bureau will take swift action to rectify this situation and enforce the necessary corrections.
Sincerely, XXXX XXXX
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| 05/05/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
This is Pertaining to XXXX XXXX XXXX - THROUGH ITS ATTORNEY, XXXX, XXXX XXXX XXXX, XXXX For - Best Eggs I WAS XXXX.
Last Payment on my account was XXXX
Amount due is {$4600.00} Principal - {$4200.00} Annual Percentage Rate - 29.91 % Finance Charge - {$3700.00} Settlement with my consolidation company was round {$1900.00} Total Payment due - {$10000.00} Summons was served NOT TO ME, It was served to my XXXX XXXX XXXX mother with XXXX after harassing her.
I was never Served. I was out of the country. I have proof.
MY STORY While consolidating my bills in XXXX XXXX On my credit report I saw XXXX. I called the phone number provided. I was told, this bill came from Best egg. I asked for all signed documents to be E-Mail or Mail to me. XXXX WAS NOT ABLE TO PROVIDE ANY DOCUMENTS. I Asked for Best egg phone number. I called Best egg, They were unable to provided me with any information. They informed me it was with XXXX and I have to contact XXXX. I Called back XXXX and explained. All I needed was proof. They were not able to provide me any Proof. What I was told, I need to pay this bill. I, AS A PERSON I DONT WANT TO PAY A BILL I HAVE NO RECOLLECTION OF. I called VARIOUS times, I got the same answers. I was stuck on eating a bill I have no recollection off. I went to MY XXXX AND CONTESTED - SAYING I HAVE NO RECOLLECTION OF THIS BILL.
I called my Consolidation Company an removed it from my Consolidation. The settlement was round XXXX at that time with my Consolidation Company.
ONE WEEK later after I removed it from my Consolidation Company a summon was served to my XXXX XXXX mother with XXXX on XXXX IT WAS NOT SERVED TO ME. I was XXXX. Never got proof, Never got any Collection Notice, Never got got a bill, Never got a Late Bill. Never got served.
I was XXXX.
According to - XXXXt The statue of Limitation on most death in New York is 3 Years from date of last activity on an account to Sue someone for a debt.
|
| 06/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
XXXX recently removed a bankrupty dismissed remark from my account associated with Best Egg. XXXX and best egg blame each other for reporting the remark and I have filed several disputes to both parties neither stated why these remarks were ever reported on my credit or where they came from. Unfortunately my points on my credit score did not change after bankruptcy dismissed was removed. When the bankruptcy dimissed remark was reported to my account XXXX of 2019 my credit score dropped 87 points. I additionally lost 4 points each month each time I made a payment to the best egg account. My score still remains the same as if I had the bankruptcy remark still on my account. XXXX only removed the remark over the phone and not during any of my disputes that I have filed. They did not state the reasons it was removed which would confirm that the remark was never associated with me and never had a house to receive a bankruptcy. Yet my credit score recieved deductions for a remark not associated with the user. A letter was sent with pictures to XXXX showing how the bankruptcy remark dropped my credit score. A special handling supervisor XXXX XXXX stated on the phone that even after seeing the points deducted that was never returned that they could not change the points. If a remark was associated with my account that didn't belong to me than it dosent make sense for my points to reflect deductions not related to my own actions or credit use. Bankruptcy dismissed remarks effect credit scores so not sure why after removing the remark my score remained the same. I have documentation of the effects each month. After mailing the letter of evidence XXXX did not acknowledge it until I called several times simply to get any response. Each person on the phone gave different response to the issue at hand.
|
| 03/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that your company absolve me of all charges on accoun # XXXX and that you take all appropriate steps to remove information about this account from my credit files immediately. Your company has been notified on numerous occasions that the above referenced account is a result of Identity Theft as well your company has received multiple FTC Identity Theft reports referencing acct # XXXX.The Notices your company received also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions.
If your company, BEST EGG, fails to comply with federal regulations you will be required to appear in a court venue local to me, in order to formally defend yourself. I have already filed a complaint with the Consumer Finance Protection Bureau ( XXXX and the Attorney Generals office ( XXXX ).
Failure to respond satisfactorily regarding this matter will force me to move forward with legal action against your company to the full extent of the law and I will sue for the maximum amount allowed in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Theft/Fraud 3. ) Violation of the Fair Credit Reporting Act
|
| 10/23/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
I received a " Pre-Approved '' offer for a personal loan up to {$50000.00} from Best Egg in XXXX. On XX/XX/20 I decided to check the interest rate on the " Pre-Approved '' loan. I visited the site given in the letter, provided my income & personal information only to be told that they currently have no offers for me. They listed a number of reasons including the old reliable " debt/income ratio ''. I did a live chat with a representative named XXXX & was told that I met " certain criteria '' which caused the offer to be extended. My reply to him was that this is deceptive marketing. To me ( and probably to most consumers ) " Pre-Approved '' means just that. You've already got the loan, you just need to complete the paperwork. Some banks, finance companies & loan companies seem to have a habit of playing fast & loose with terms such as " Pre-Approved '', " Pre-Qualified '' & " Pre-Screened ''. After separating from my now ex-wife I set about repairing my credit & have raised my scores about XXXX points in a year. I recently accepted an offer of a credit card with a well known credit card company who'd been sending me " Pre-Qualified '' offers for months. The reason I finally accepted was that they finally sent me a " Pre-Approved '' offer with an interest rate that was 2 % lower than all the previous " Pre-Qualified '' offers. I note that at the bottom of the Best Egg letter there is a paragraph in much smaller print that characterizes the offer as " Pre-Screened ''. If that had been at the top of the letter in large type I would never have even applied. These terms should have established legal definitions & companies should be penalized for misleading consumers about what they're actually offering.
|
| 10/21/2022 |
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 |
|
|
XX/XX/22 I filed a complaint to XXXX XXXX on some hard inquiries that were not authorized by me nor did I apply for any loan thru Marlette Funding LLC. XXXX XXXX XXXX that Marlette Funding LLc was removed from my consumer report dated XX/XX/22.
I have enclosed the document stating this fact.
I filed a complaint on XXXX to investigate on XX/XX/22 about these hard inquiries only to be sent a report on XX/XX/22 stating that their investigation was complete and they updated the information on my credit file and not deleting them. The XXXX report disputing the inquiries was not investigated properly and they also received the document from XXXX XXXX about the removal of the company.
I have enclosed a copy of the current credit report from XXXX showing the update and not removal.
I am also seeing this company on my XXXX credit report.
This Credit reports are mixed up with WHO XXXX XXXX and XXXX XXXX XXXX which they are not showing consistent accuracy.
I am now filing a complaint on XXXX XXXX filing a complaint about these UNAUTHORIZED credit inquiries. As you can see from the documentation I have provided it is clear that my personal information has been frequently used by this company just by looking at all the dates on my XXXX report, there are XXXX repeatedly for 2 years. THIS IS EXTORTION AND ABUSE TO ME AS A CONSUMER. I want these credit inquiries removed immediately. This is unbecoming of a business and customer service. I would like verification from XXXX showing my signature to validate these credit inquiries, Especially seeing how many were on the XXXX report and the fact that XXXX XXXX REMOVED inquiry off my consumer report and XXXX continues to show inconsistency with other reports.
|
| 12/31/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
XXXX Applied for loan via online website. Loan was approved with the following terms : Amount financed- {$4500.00} Term- 36 months APR- XXXX XXXX was to be automatically debited from my account each month. So at the end of the 36 month term I would have paid a few dollars shy of {$6000.00}. This would be about at extra {$1700.00} ( since the origination fees brought my actual deposit amount down to {$4200.00} ).
( I have attached screenshots of all the above terms ).
XXXX AFTER I received my approval and the money was deposited. I was given the opportunity to look at my account ( this option is not available before the money is deposited ) It is then that I see there will a DAILY accrual interest rate of {$2.00}. Which would meant at the end of the loan I would have paid an extra {$2600.00}. I was never made privy to this.
XXXX I called a XXXX rep who transferred me to the verification office.
I have documented a verification rep saying I dont even see a daily accrual as per of your terms so she transferred me back to someone who works in approvals who proceeded to incorrectly explain how math works.
When I told him to crunch the numbers and see for himself, he at first said my loan is 23.4 % ( incorrect ) I asked him was the interest rate increased in the 48 hours from loan origination to deposit, because that was not on any of the documentation I have.
He then admitted I was correct as far as the APR but had no answer as to why it was higher.
He transferred me to another rep, I explained the situation to her and she said to hold so she could consult her superior, she came back on the line and I asked what would be done, she then immediately disconnected the call.
|
| 10/08/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Re : Dispute of Inclusion of Certain Information in My Consumer Report - FCRA 1681a Exclusion Dear Sir/Madam, I am writing to dispute the inclusion of specific information in my consumer report, as allowed under the Fair Credit Reporting Act ( FCRA ), Section 1681a, Exclusion ( A ) ( i ). This section of the FCRA stipulates that the term " consumer report '' does not include certain types of information. I believe that the information currently appearing on my credit report falls under this exclusion and should be removed.
The information in question pertains to transactions or experiences solely between myself and the reporting entity. According to the FCRA, this type of information should not be considered a part of my consumer report unless subject to Section 1681s3 of the FCRA.
Specifically, I am disputing the following information on my credit report : BestEgg Late Payment Status I maintain that this information is solely related to transactions or experiences between myself and the reporting entity. It should be excluded from my consumer report in accordance with the FCRA 's Section 1681a, Exclusion ( A ) ( i ).
I kindly request that you investigate this matter promptly in accordance with the FCRA 's provisions. Please remove the disputed information from my consumer report or update the disputed information to Paid on time /never late and provide me with a revised copy of my credit report that accurately reflects the exclusion as specified in Section 1681a, Exclusion ( A ) ( i ) of the FCRA XXXX
I appreciate your attention to this matter and your compliance with the FCRA 's guidelines regarding the exclusion of certain information from consumer reports.
|
| 07/12/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX Best Egg XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE, XXXX XXXX XXXX : Disputed Account Notice to Furnisher XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Please send me a letter explaining your findings and actions.
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/2021 Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.
|
| 03/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
What happened?
your agent XXXX XXXX was sent emails and certified letter dated XX/XX/XXXX ( confirmed received ) by borrower that advised a payment of XXXX was in the process of being sent The XX/XX/XXXX letter also contained a directive by borrower that when those funds were to pay 20 monthly pre -payments ahaead by month ( XX/XX/XXXX -thru XX/XX/XXXX ) .also borrower and spouse made a total of 4 calls to XXXX XXXX XXXX 2ce and and XXXX who all assured the payment would be processed in accordance with borrower directive.XXXX stated the monies would be applied but dur datye would not change and it would as months become due as they like draw from the XXXX credit, ,WHAT IS XXXX XXXXHAVE MY MONIES IN ANOTHER ACCOUNT AND SRAWING ADDITIONAL INTREST, THERE SHOULD BE NO CREDIT APPLY THE PAYMENT AS DIRECTED, the problem is it looks like it was applied to principle and does not adavnce due date to the XXXX XXXX..XXXX XXXX XXXX and XXXX stated the account has a XXXX credit and each month XXXX XXXX would draw off of that .no where in writng does borrower have assirance but XXXX XXXX word, the account should be above board open and transparent and read due date XX/XX/XXXX and a borrower requests a payment history displaying the breakdowm of payments ( prinxipal and intrest ) for all thoise pre paid months.this internal accounting of my payment i have never seen, when someone pre pays a loan it should display thenext due date, XXXX XXXX is showing XX/XX/XXXX which is not correct.this business practice is highly suspect and i am taking no one words for how it was applied when i can not see it for my records
|
| 05/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
On XXXX XXXX , 2017 I looked logged into the website by Bestegg to see if I was qualified and what my rates would by ONLY. On their page where I entered my information, it stated that to check rates and to see if you are qualified your credit WILL NOT be affected. My credit was affected immediately! I was alerted within 2 minutes that my credit was affected. I called the customer service department of Bestegg and was assured that my credit was not affected. I received a call 1 week later by a customer agent from Bestegg asking if I was still interested in the loan. At this time I explained how upset I was about the false advertisement and how my credit was affected when I read on their front page that my credit would NOT be affected by just checking rates and to see if I qualified for a loan. If you do not accept their loan then your credit is not affected!! This agent seemed to be genuine and was going to pass my complaint on to her supervisor and I would receive a call from this person and 1 1/2 m onths later I am still waiting while my credit is looking awful as I am always working hard to keep it perfect. This is not a company that I would ever work with after I was a victim of fraud and lied to b y two differe nt individuals within this company. I am due some type of restitution for causing my credit score to rise against my will leading me to have to w ait to refinance my mortgage until this is removed from my credit. The name that appears on my credit from BestEgg.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Pa XXXX XXXX
|
| 07/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have these accounts that does not belong to me and i want it to be remove from my credit report.
XXXX 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.
3. Identity Theft XXXX Account Number : XXXX This is not mine.
4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine.
2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX Account Number : XXXX This is not mine.
4. Identity Theft XXXX Account Number : XXXX This is not mine.
5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
6. Identity Theft XXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX Account Number : XXXX This is not mine.
9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
10. Identity Theft BEST EGG Account Number : XXXX This is not mine.
11. Identity Theft XXXX Account Number : XXXX This is not mine.
|
| 12/11/2017 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Older American |
|
I have a loan with a " company '' called XXXX XXXX - which was advised by XXXX XXXX to consolidate my credit cards. I have asked repeatedly to get my statement online - which have not received - have been told by this " company '' that they will send to me in the mail, the mail service here is horrible. Sometimes do n't get mail for 2-3 days - very unreliable. Do not understand how a company can not offer statement online. Also, this company originated in another state and after checking my correspondence from them, there are several companies located in XXXX XXXX, IL, XXXX XXXX, TX and also in Del. I do n't have a very good feeling about this company - since I can not even get a statement on line to know what the balance of my note is - very uncomfortable not knowing who or what I am dealing with. When I made this loan, it was online and approved for over {$7000.00} - have made multiple payments and never received any email or acknowledgement that the payments were received. This was do n't through the mail - at a much earlier time. Please look into this company - I will give you all the background on it I can - they are very secretive about their addresses, just XXXX XXXX. I am a widow and XXXX years old. Please do n't let me be swindled out of what I thought was an honest company and was trying to get my head above water. I see on your site that there have been other complaints about this company. Please investigate this company and it 's affiliates - there seems to be something fishy about them.
|
| 01/22/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Older American |
|
have already started investigation into this company, wish to add more information to assist you in helping me.
XXXX about MARLETTE FUNDING , LLC - also XXXX XXXX XXXX ) XXXX-XXXX XXXX XXXX 4 years in business Headquarters XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX See More Contact Options BBB File Opened : XX/XX/XXXX Business Started : XX/XX/XXXX Business Incorporated : XX/XX/XXXX in DE Type of Entity XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, Chief Operating Officer XXXX XXXX XXXX, CEO XXXX XXXX XXXX, Director of Operations XXXX XXXX XXXX, Chief Marketing Officer Business Category Consumer Finance Companies See More Business Categories Service Area We service the following area ( s ) : Delaware Alternate Business Names Marlette Funding , LLC See More Business Information BBB Reason for Ratings BBB rating is based on 13 factors : Get the details about the factors considered.
BBB Reports On Licensing Advertising Review Government Actions Out of Business Misuse of Better Business Bureau Name/Logo Bankruptcy Mail Returned BBB accredited business XXXX XXXX BBB ACCREDITATION SINCE XX/XX/XXXX A+ BBB Rating System Overview Customer Review Rating : 87 % 11 % [ 946 ] Positive Reviews [ 23 ] Neutral Reviews [ 118 ] Negative Reviews [ 1,087 ] Total Customer Reviews [ 149 ] Total Customer Complaints Composite Score : XXXX XXXX has received 4.84 out of 5 stars based on 1,087 Customer Reviews and a BBB Rating of A+.
Share your experience XXXX XXXXXXXX XXXX XXXX
|
| 04/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I have asked Best Egg numerous times to validate the loan that i have with them. I want the actual accounting of the loan. I sent them a registered letter on XX/XX/XXXX XX/XX/XXXXXXXX and XX/XX/XXXX. They have responded to my first letter only with my loan documents and not the actual accounting of the loan.
I have told them in all my letters I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you.
I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Uniform Commercial Code ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account.
As of today, XXXX XXXX, I have not gotten any response from my second and third letter.
|
| 04/14/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Servicemember |
|
I exercised my right of rescission as a result of XX/XX/2022 due to failure to provide me the following mandatory T.I.L.A required disclosures below and such rights in accordance with the regulations of the Consumer Financial Protection Bureau : 1. the creditor must deliver the notice of right to rescind to each consumer in the transaction 12 C.F.R. section 226.23 ( b ) ( 1 ) ( i ) - ( v ). 2. the notice must disclose the requisite information clearly and conspicuously 3. The consumer 's right to rescind the transaction 4. Information on how to exercise the right to rescind 5. the effects of rescission 6 the expiration date of rescission ( 3 days-3 years ) 7 to satisfy the notice requirement, the creditor is required to use model form in Appendix G form or the one substantially similar. none of the above did I receive from Best Egg violating 12. C.F.R. section 226.23 ( b ) ( 2 ). Best Egg is ignoring and refusing to execute my rescission rights thereby, being non-compliant to the regulations of the Bureau 12 C.F.R section 226.23 ( d ) ( 1 ) and 12 C.F.R. section 226.23 ( d ) ( 2 ). It appears Best Egg and its officers are intentionally refusing to comply with the regulations of the Consumer Financial Protection Bureau, T.I.L.A. Regulation Z, and the U.S. Supreme Court Order and Decree on XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX whereby borrower need only provide written notice to a lender in order to exercise right of rescind.
|
| 02/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX
|
| 10/30/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
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Web |
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-I opened a credit card with Best Egg on XXXX of 2022 -The card had a 0 % apr deal for over a year -I immediately signed up for auto pay ( like I do with all my credit cards ) -On XX/XX/XXXX the minimum payment was returned for {$29.00} -i called in XXXX. They weren't able to explain why it happened but said everything seemed fine. I signed up again for auto pay and made a payment of {$200.00}.
-After that I have been consistently charged a late fee and interest every month.
-I received a late fee refund in XXXX because I complained, but that was it. They did not fix the problem which was evidently with their system.
-I traveled alot for work over the summer and missed a lot of calls from them but i had no reception. I called again in XXXX and payed {$210.00} over the phone to stop the bleeding but they didn't resolve the issue. They had my bank info obviously bc they pull payments when I call but they weren't solving the auto pay.
-For the past few months I have been dealing with them a ton over the phone and they refuse to provide proof that I submitted any wrong info or take responsibility for their flawed system, intake process, etc. Their website shows my correct bank info in the auto pay but they say its my fault somehow. I want a refund for late fees and interest AND they have affected my credit score negatively. They said they would get back to me weeks ago and no response.
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| 04/04/2022 |
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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On XX/XX/XXXX I made a payment of {$500.00} to best egg to bring my balance down to {$3200.00}. On XX/XX/XXXX after I made that payment Best Egg reported I made an {$140.00} payment for the XX/XX/XXXX payment. It also still says my last payment was XX/XX/XXXX. I called Best Egg and was told a ticket would be sent. I called back days later and was told there was never a ticket created and that I have to dispute the information with the credit bureaus. I disputed the information with XXXX on XX/XX/XXXX and Best Egg LIED to XXXX stating I only made a payment of {$140.00} and my balance increased. On XX/XX/XXXX Best Egg reports to XXXX that the original information they reported was incorrect which is not true. I have proof on their provided statement that the balance is now {$3200.00}. I filed other dispute with XXXX on XX/XX/XXXX Best egg again lies and tells them the information currently on there is correct. I have called best egg multiple times are every time I am told there back office handles that and there is nothing they can do. I have to keep filing disputes. I filed another dispute on XX/XX/XXXX with XXXX and they still refuse to update my balance. I filed another dispute with XXXX on XX/XX/XXXX and that is pending. I just got off the phone with best egg and now I was told I need to send them a request to have this looked at and it could take 30 days.
|
| 03/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
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Web |
Servicemember |
|
As a service member protected under the Military Lending Act ( MLA ), I should not have more than a 36 % Military Annual Percentage Rate ( MAPR ), including costs like calculating your interest rate and finance charges and other added charges.
After reviewing my documents, I am sure the interest is more. On the agreement, the interest rate is 22.84 % with a {$1900.00} origination fee. Then on the lending disclosure is has the loan will cost me an XXXX of 27.49 % yearly.
None of the monthly statements I receive includes an interest rate or XXXX, so I am unsure what is being charged. The statement shows how much interest is being paid. The statement of the XXXX and a clear description of the payment obligation must be provided in writing in a form the covered borrower can keep.
Also, the consumer has my bank account information stored on their website, which I can not remove. Under MLA, a consumer can not require or use a check, electronic fund transfer, or other methods of access to financial accounts maintained by the covered borrower for repayment. It is prohibited for a creditor to use a borrowers account information to create a remotely created check or remotely created payment order to collect payments on consumer credit from a covered borrower.
Signed documentation was never processed for this loan and is not in portal documentation.
|
| 05/25/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
I paid XXXX by check to Best Egg Card Services. My bank mailed the check to their office. The check was cashed and never applied to my account.
The following was their response : Thank you for contacting Best Egg. In looking at the attached, it appears your check was cashed by XXXX, and not received by Best Egg. You may want to reach out to them as to the status of your funds. If you have any questions or concerns regarding this matter, please contact us at ( XXXX ) XXXX.
This is what I wrote back : I don't understand. I mailed it to this address last month and it was applied to my account no problem. Is this not your mailing address? If someone else got a hold of my check at your address then don't you need to do sue diligence and figure out who is taking checks from your business and where they are going? Please help me understand as your answer is very vague.
This was their response : I am reaching out to our payment processor to identify how the check was cashed by XXXX but intended for Best Egg. Once the research is completed, and we are provided the funds we will back date the application. We will be in touch shortly.
I have not heard back despite my best efforts and have yet to be credited almost two months later. Someone stole my check from the office and cashed it. I want a credit as the error and issue is on their end.
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| 09/04/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
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|
Web |
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I'm in my late XXXX XXXX and have had excellent credit all my life up until this year, I've paid off my student loans, 2 consolidation loans in my credit lifetime.
I recently fell behind on my priorities due to being on XXXX leave twice this year ( both times within 2 months ). I have recovered and have since returned to work. I am trying to dig myself out and get back on track. I have a good paying job and just need a jump start, I've applied for a {$3000.00} personal loan and have been denied by pretty much everyone. Even the same very company ( best egg ) that I borrowed and have paid back since. Best Egg misleads me by sending me email saying that they have an offer waiting for me due to my good history with them and then I get denied upon pressing the link. I feel that they are playing with me ... ... at this point, this whole ordeal is beginning to impact my well being to where I'm losing sleep ... I feel that I am doing everything I can to do well on my debt but im being penalized for being on XXXXl leave which was beyond my control. Another thing is that these lenders are misleading me by sending me propaganda saying how they want to help but then denying it, these lenders should not be allowed to advertise on state funded website as there clearly they show zero intention in helping consumers..
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| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third-party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.
|
| 03/28/2019 |
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/XXXX XXXX XXXX WAS SENT CERTIFIED MAIL RETURN RECEIPT WHICH THEY RECEIVED AND SIGNED FOR, THE COMMUNIQUE CONTAINED INFORMATION THAT A XXXX SINGLE PAYMENT WAS ENROUTE TO PAY A PERSONAL LOAN AND A DIRECTIVE ON HOW TO APPLY THE XXXX PAYMENT ' .THE DIRECTIVE BY BORROWER WANTED XXXX PRE PAYMENT APPLIED BY MONTHS TAKEN OUT OF THE XXXX .THE ACCOUNT WOULD THEN BE PAID THRU XX/XX/2020.4 CALLS HAVE BEEN MADE TO 3 DIFFERENT REPRESEANTIVES IN THE LAST WEEK ON RECORDED LINE BY ME OR MY SPOUSE WHO IS AUTHORIZED O SPEAK ON MY ACCOUNT, THE REPS NAMES WERE XXXX, XXXX AND XXXX.EVEN THOUGH XXXX XXXX ACKNWLEDGED THEY WOULD BE APPLYING PER BORROWER DIRECTIVE BAILEY STATED FOR THERE OWN INTERNAL RECORDS BORROWER WILL BE AND IS NOW PAID THRU ACCOUNT XX/XX/2020. NO WHERE WILL BORROWER HAVE PROOF OR ACCOUNT REFLECT DIRECTIVE ' THE WEBSITE INFORMATION WILL UPDATE MONTHLY TO NEXT DO DATE, BORROWER FEELS THIS IS WRONG AND SHOULD BE PROVIDED WRITTEN ASSURANCES AND ACCURATE ACCOUNT INFORMATION ONLINE. IN THE EVENT SOMETHING WERE TO HAPPEN TO BORROWER, TO THE ARBITRARY, LEGAL EYE, WHICH ALL THAT MATTERS, XXXX XXXX WANTS ME TO RELY ON THEIR ASSURANCES ACCOUNT IS PAID THRUXX/XX/2020 REGARDLESS OF WHAT THE STATEMENTS OR WEBSITE READS, UNDERSTANDABLY NOT COMFORTABLE WITH THAT FOR THE OVBVIOUS REASONS.
|
| 02/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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On several occasions I was told my Best Egg account would be updated to show Paid as agreed, closed. It has been well over 30 days that my score has suffered to the tune of minus XXXX points.
I have recieved letters from Best Egg that this would be fixed. Now I am loosing money daily until this is fixed. They are in voilation of my rights 15 USC 1681 sec 602A and 11.
I am requesting this loan be updated with the correct information that it was paid as agreed in FULL, and closed Best Egg acct # XXXX was paid off in XX/XX/XXXX, but entered into best egg system on XX/XX/XXXX. Best egg sent a letter stating it was paid off. However, on XX/XX/XXXX, XXXX reported this same account was still owed and now 90 days past due. My credit score suffered over 65 points due to this error. Best egg then sent 2 letters explaining their apologies and that this will be updated correctly. I has not been updated. This account needs to show PAID, closed, never late. I researched my consumer protection laws. Best egg and XXXX XXXX should know 15 USC 1681 sec 602 a and section 2. also refer to other pretection laws that goes with this claim. please help me write a statement to the creditor and XXXX. My goal is that this information is updated to show paid as agreed, closed..
|
| 01/14/2023 |
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 |
Servicemember |
|
On XXXX XXXX, 2023 I received a message from XXXX XXXX informing me that a change in my credit information has occurred as a result of a hard credit inquiry. On XXXX XXXX, 2023 I requested a credit report from XXXX, XXXX and, XXXX. On each of the reports I identified an erroneous name ( XXXX XXXX XXXX has been added to my record as well as, XXXX telephone numbers ( XXXX and XXXX ) and, an erroneous last XXXX digits ( XXXX ) of a social security number. Additionally, I noticed a hard inquiry dated XX/XX/2023, from XXXX, XXXX XXXX XXXX XXXX, IN XXXX, tel. XXXX, appears on all three of my credit reports. Also, there are XXXX soft inquiries from : - XX/XX/2023 - BEST EGG, XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX, XXXX.
- XXXX XXXX, 2023 - XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX.
- XX/XX/ 2023 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX. XXXX.
I contacted the credit bureaus to request my records be corrected. XXXX proceeded to add an alert to have businesses requesting inquiries to contact me to confirm my request for credit. The credit bureaus are requesting I report the incidents to the FTC and/or law enforcement authorities in order for them to maintain the alert in my records and correct the erroneous information.
|
| 03/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Fraud / Identity Theft 4 Accounts opened fraudulently Best Egg ( Personal unsecured Loans ) # 1. {$15000.00} Opened on XX/XX/2022 # 2. {$12000.00} Opened on XXXX XXXX 2022 XXXX ( fraud dept ) : spoke XXXX XXXX **** was emailed that inquiries and loans would be removed from my credit reports but to date is false **** requested ip addresses used to apply online and no response ***** told that loans were approved fully online and nobody physically reviewed the application nor verified the identity.
**** perpetrator used a made up email address and no idea how they were able to obtain approval and funding **** perpetrator used a google voice phone number that is not mine XXXX # 3. XXXX XXXX Opened XX/XX/2022 {$9000.00} *** received 2 emails each asking me to provide time consuming paperwork and put an unreasonable time frame for them to receive or else they would validate the debt *** have not provided any information regarding how the loan was obtained, information provided, etc.
**** called customer service multiple times and they were unable and did not have a number to the fraud department ***** to date. Co has refused to provide any documentation on information utilized to gain approval and funding XXXX XXXX # XXXX Security freeze Conf # XXXX
|
| 05/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/2022, I called Best Egg to inquire about payment assistance on an existing loan - as was advertised on their website.
I was offered 0 % interest for 12 months if I enrolled in auto draft and made all my payments on time. This offer was only good once for the life of the loan. I agreed to this offer and continually asked if this was 0 %. I was told that it was.
However, on the 1st payment date of XX/XX/XXXX, I realized I was blatantly and fraudulently lied to. I was being charged interest, even though I was told I would not be charged interest for this plan. When I called back on XX/XX/XXXX, I was told that the disclosure did in fact say 0 % and there was an error. Then I was falsely told about 20 minutes later I was charged only for partial month interest, even though it obviously showed I was charged full months interest. Then another half an hour later I was told that I had to pay interest for the first month but after that then I paid no interest. I told, shocked at the 5 different answers I was getting 5 different times, that I was never told about an enrollment payment ever. Best Egg legally can not invent terms of a payment plan as they wish after the fact and in contravention to what I agreed to.
|
| 11/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
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On XX/XX/2021, I applied for a personal loan with best egg. I provided my personal information and was informed that I needed to submit a paystub. I asked to submit an offer letter instead of paystubs due to the fact that I was starting a new job. I was informed that the company can not except an offer letter and pay stubs must be provided.After submitting all of the requested information, my application was never reviewed, I was never contacted by the company to request additional information and my loan was ultimately denied. When I attempted to contact a supervisor at the company On XX/XX/2021, I Spoke with a representative named XXXX and was denied The opportunity to speak with a supervisor by XXXX. I was told that I would receive a callback from the company however I have not heard back from anyone. I was also informed by XXXX that my application was closed due to the fact that I never submitted an offer letter. When I informed XXXX that I previously spoke with a representative at the company and was informed that I can not submit an offer letter there was no attempt to remedy the situation. I would like to have this inquiry removed from my credit report due to receiving wrong information from this company.
|
| 02/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I XXXX XXXX attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a U.S. postal Money order. Which Cleary states at the bottom that it is a negotiable instrument which I brought and paid for the right to negotiate it. Money Order XXXX and XXXX was made with the proper clauses and provisions based on banking law in the amount of XXXX and XXXX in accordance with HJR-192 public law 72-10, UCC 3603 ( b ) UCC 3-311 and public law for negotiable instruments to Best Egg on XXXX. They accepted my instrument but did not credit my account correctly I did call and spoke with recording will be attached and they refused to stand in honor of the law by applying the proper payment even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit fir them.
I am filing this complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands, they are committing ab illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
|
| 06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Over the past year I have compained to both Best Egg and XXXX about the attached account, where as best egg is impoperly reporting late payments and payment status. I have tried everything to get them to fix this error. Both point the finger at the other, My last letter was sent to transunion on XX/XX/XXXX with not response,, see attached.
The account listed above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 09/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American |
|
XX/XX/2019 paid off outstanding loan. Check from the escrow company that paid Best Egg on my behalf was {$2600.00} more than loan balance as I had continued to pay my monthly instalments even as my re-finance applicaton was being approved and processed.
XX/XX/19 I called to confirm my mailing address for Best Egg to send my refund check.
XX/XX/19 I was told my check had been mailed on XX/XX/19 and returned unopened. Another check would be sent and should be received by me by XX/XX/19.
XX/XX/19 No check yet. Spoke with XXXX XXXX, Loan Manager, who told me a check had been mailed out on XX/XX/XXXX and if I have not received it then I need to wait for them to find out what happened to that check before they write a third check. Once again I confirmed my mailing address and asked them to send it via registered mail.
I also sent a registered mail complaint to the CFO of MarletteFunding/Best Egg, asking for a resolution to this problem on XX/XX/19 and I have not heard a thing from either him or a Best Egg representative.
So my money is being held hostage and nobody seems to have a straight explanation or time span it will take to address this problem.
|
| 01/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I sent Best Egg a Cease and Desist in XXXX of XXXX instructing the company to stop communicating with me through any and all mediums. Best Egg has violated my federally protected consumer rights by communicating with me through The Credit Reporting companies, XXXX, XXXX and XXXX after being told to stop.
15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
|
| 09/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have disputed multiple late payments on my XXXX account and I have no received any notice of a investigation or notice of how this information was verified XXXX has violated my consumer rights repeatedly and has not responded to my multiple investigation attempts 15 U.S. Code 1666 - Correction of billing errors!!!!!!
a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor I have stated numerous consumer violations XXXX has violated it this matter not resolved will have to take civil action be advised a second party owns my current Debts that are closed so information on my report has not be validated
|
| 09/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Best Egg XXXXXXXX, it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.
( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
|
| 01/28/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
XXXX sends out printed advertising but application for the loan is done online. On XX/XX/XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX ) approved a loan in the amount of {$6500.00}. I printed out the email showing that the loan amount of {$6500.00} had a 14.99 % APR and a term of 3 years. I selected these terms on applying for the loan. These terms were repeated in an email on XX/XX/XXXX, when the loan was funded.
In actual fact, a loan proceed of {$6100.00} was deposited in my checking account.
When I called the XXXX number on XX/XX/XXXX, I was told that a loan origination fee of {$320.00} was deducted from the amount deposited to my account. The origination fee was not declared on any of the information about the loan I printed out.
After the fact, I went back to the advertising sent to me and found in closely spaced, tiny 2 point grey print reference to an origination fee.
The CSR knew who I was, but told me that the origination fee was 5.25 % ( which I converted to XXXX during conversation with him to check the math ). Then he changed the percentage of the origination fee to 4.79 %, and this was correct ( XXXX x XXXX = {$320.00} ).
|
| 08/19/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Recently in XXXX, I was shopping for a personal loan. Best Egg notified me that I was pre-qualified for the loan. I spoke with a representative from Best Egg, and decided to hold off until I decide on the loan. On XX/XX/2022, I was notified by email that loan has been " funded ''. However, I did not authorize nor sign any documents related to the loan offer. I called that following week, and explained to the representative that the loan was unauthorized and I never approved the amount to be funded. Nor did I ever sign any documents agreeing to the loan. The representative explained they will reverse the amount from my bank account, and also notify Best Egg 's fraud team that I did not authorize the loan. I explained to the representative that the loan should not be reporting to my credit or any inquiry related to Best Egg should be present. However, recently, I was notified that the loan is now being reported to my credit, even though I spoke with Best Egg, explaining it was fraud. I logged into the account online, and even after cancelling the loan after fraud, the loan still shows a XXXX balance due.
|
| 05/19/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I am being penalized for making additional payments on my account which were not made on the due date. Additional payments were made prior to the due date. I called and spoke with two different representatives and they stated, because my payments were not made on the due date, it is not allowing me refinance my loans, basically penalizing me. They suggest i only make payments on my due date in which I will continue to incur interest when I could be saving or avoiding extra interest. I was then hung up on because I asked them to provide me with something in writing. My loan document states that i will not be penalized for making early payments. I have never been late, all my payments have been made on time. My loan agreement was signed on XX/XX/XXXX and per my loan agreement, the first payment will be 30 calendar days after the loan has been funded. My first payment was made on XX/XX/XXXX for the payment amount of {$330.00}. Another payment of {$100.00} was made on XX/XX/XXXX and from there on my payments have been automatically taken from my account on its due date which is the XXXX of every month.
|
| 06/11/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
I made my XX/XX/XXXX payment, due on XX/XX/XXXX, within the grace period ( XX/XX/XXXX ) to XXXX. I made the payment of {$180.00} ( on XX/XX/XXXX ) in excess of the amount due ( {$170.00} ) plus any interest that would have accumulated on the account within those 3 days. ( {$1.00} *3 ).
Instead of reducing the prinicpal balance. XXXX XXXX has decided it will apply it to my next payment. This is not how i want it allocated, and not ethical.
After I have paid off the amount due, plus any interest incurred I should be able to have the excess payment amount as i see fit. If i want it allocated to reduce the prinicpal balance it should go that way. XXXX has conviently been applying my excess payments as statement credit instead of reducing the principal.I dont want a credit, I utlized my grace period and pay enough to cover the interest incurred during that grace, the amount due, and a little bit more to reduce the principal.
Lastly, XXXX provides this limitied statement, which doesnt show you the allocation, or much relevant information. They can do better and be more transparent.
|
| 01/29/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
NEW INFOMATION .... As a debt collector participating in commerce in the United States of America Best Egg is governed and must abide by federal law. Best Egg claim in there response that they are required to report my information to the credit reporting agencies, Required by whom? pursuant to 15 USC 6802a it clearly states that no financial institution or an affiliate may not disclose to a nonaffiliated third party any nonpublic personal information, I have no establish relationship with any credit reporting agency in regards to the alleged debt.
Furthermore pursuant to 15 USC 6802b ( XXXX ) ( B ) I was not given the option to opt out of any form of credit reporting or sharing of my personal information with any nonaffiliated third party, I also was not given any explanation of how I may exercise my right of nondisclosure option pursuant to 15 USC 6802b ( XXXX ) ( C ). For the sake of my right to privacy as a Federally protected consumer and the sake of my personal reputation I request that Best Egg kindly remove this information from all Credit reporting agencies.
|
| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Problem with personal statement of dispute
|
|
Web |
|
|
MARLETTE funding has responded to CFPB compliant that the inquires that I am disputing were due to me applying for credit 4 times for the 4 inquires through XXXX XXXX and XXXX. I in fact have never applied for credit or a personal loan. MARLETTE funding please provide me documentation of me applying on those dates.
MARLETTE funding please provide me documentation of the application me giving permissible purpose. If MARLETTE funding can not provide such documentation then MARLETTE funding must delete/ remove inquires off my report. And also a settelement of {$2000.00} for the 4 inquires for the impressible pulls. Or I will sue in federal court for violating FCRA rights and have attorney fees court fees covered by this company.
I sent in 2 letters through mail and MARLETTE funding hasnt gotten back in my letter through mail. My last letter was sent yesterday regarding the same matter. Still havent received a letter back from MARLETTE funding through mail. If I dont get a letter through mail from MARLETTE funding I will begin the litigation process.
|
| 11/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I XXXX XXXX personal information has be stolen around the beginning of the year XXXX. During the beginning of XXXX I contacted XXXX while XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was XXXX and unable to work, or take care of myself, I required XXXX XXXX XXXX, same as I provided for my clients. the entire duration of my illiness I had no control over my personal information and was taken advantage of by various individuals, as an result of being XXXX XXXX, someone used my personal information to open fraudulent accounts, such as a personal loan, and a medical account that provides XXXX and XXXX XXXX. I can not name names, do to the fact that I was in the XXXX XXXX XXXX XXXX The result of the misuse of my personal information im now a victim of identy theft and fraud, this is the second time that I have experience this, since XXXX when my information was apart of a data breach by XXXX XXXX.
This has caused great discord and inconvenience. Company never verified the account information prior to submitting it to my credit report.
|
| 02/01/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
Hello, Was sent offers in the thousands of dollars, by these companies who claiming I was Pre-qualified for a loan, after applying for a loan from one of these company, suddenly I get turn down and they saying no longer qualified for any loan, with that company.
Not understanding, what Pre-qualify me in the first place when they made an offer of a loan.? These called predatory loans, and false offers, on person like me..
I'm not new to this office, I recently complained before. My complain number is:XXXX. In that case the decision sent to me XX/XX/2017, about my complaint, I'm very displeased with your decision, and moreover, your response offered no consolation to my complaint.
However, I continued to get offers in the mail with offers over and over again, especially from XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Pre-Approved for {$30000.00} and so.
These companies are collecting personal information only, not really lending, and the government needs to do something about it, and place a stop to them.
|
| 12/06/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I have a loan I took out with Best Egg. Every time I login to check a balance or see activity they have denied me access to it from the beginning even though I have never been delinquent. When I have repeatedly made the request to have it available to me online when I log in -- they always give me the excuse that they can not post the information online because it is a privacy issue. The only hope I have of even getting close to getting a statement is by looking at the payoff balance which they tell me is subject to change at any time. I have access to all my daily activity reports and statements with all my financial institutions. There is no excuse for telling me that I can not see any statements online. I believe that they are withholding information that they do not want me to have access to. If so, I will apply for another loan elsewhere and close this one out but right now, I have not seen anything approximating an accurate or up to date statement. My sense is that they are scamming me somewhere in the process.
|
| 11/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Best Egg Financial did not investigate or report ( XXXX 's ) card not present transactions beginning on XX/XX/2023 which are still ongoing.
Spoke to Merchant - XXXX XXXX on XX/XX/2023 - at the direction of Best Egg Spoke to local police - on XX/XX/2023 at the direction of Best Egg Spoke to XXXX ( debit card/checking account ) - XX/XX/2023 Spoke to an attorney who advised me to follow the direction of Best Egg.
Best Egg Credit Card - Issued by XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SD provided only a hotline ( XXXX ) XXXX which was often unreachable during business hours. Each Best Egg representative would not provide their title, last name, or an escalation contact. Any attempt by myself to validate the legitimacy of the organization was dismissed and resulted in me having to provide additional sensitive information during a fraud investigation. To my knowledge, no record of prior phone calls where maintained by Best Egg although this information was transmitted via telephone on a record line.
Case number - XXXX
|
| 06/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
on XX/XX/22 I sent a presentment of final payment on BEST EGG account XXXX In the amount of {$23000.00}. My presentment was accepted by XXXX XXXX, CEO of MARLETTE XXXX XXXX XXXX PARENT COMPANY OF BEST EGG PERSONAL LOANS As per the Postal Rule and his not response by mail on the matter in question.
On XX/XX/22 I sent him a request for a statement showing XXXX balance on my account.
NO RESPONSE THROUGH POST OFFICE WAS SENT.
On XX/XX/22 I sent him a NOTICE OF DEFAULT AND OPPORTUNITY TO CURE letter.
Letter was received, but no response was sent through the Post Office.
On XX/XX/22 I sent an AFFIDAVID OF MAILING AND NON-RESPONSE to XXXX XXXX, CEO of MARLETTE XXXX XXXX XXXX PARENT COMPANY OF BEST EGG PERSONAL LOANS.
NO RESPONSE WAS RECEIVED THROUGH POST OFFICE.
Therefore, this debt is paid in full and They have NO right to be reporting negative information on my credit file.
I want my statement reflecting XXXX balance on my account.
I want them to abide by the UCC laws governing commerce in the United states.
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Upon cheking my credit report XX/XX/2022, I found an account belonging to someone else ( XXXX XXXX XXXX XXXX XXXX to my credit reports. My credit file, espeially XXXX, has been in special handling department for XXXX due to file merging issues. This account was kept in good standing which is why I never noticed Best Egg on my credit reports until it was reported delinquent.
Account holder has a different middle and last name ( XXXX XXXX XXXX is my name and only name ive ever gone by ). I won my dispute with XXXX and XXXX with removing the alias name, address, and other information from my credit reports due to this inaccuracy.
Best Egg has yet to privde PROOF of identification ( photo ID, social seurity card, selfie ) or any other supporting documentation to prove the identity of the rightful owner of the acount they're reporting. If they had proper doumentation, they could cross reference to see we are XXXX different people.
Legal action will be taken after this attempt to resolve this issue.
|
| 08/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
XX/XX/2019, a personal check was mailed to Best Egg in the amount of {$4400.00} to close my account. I did the same with many others creditors and all accounts were closed but Best Egg.
XX/XX/2019, after noticing the funds were not withdrawn from my bank account, I contacted Best Egg and was told by an employee the check was not yet received and that I will be charged a late fee of XXXX dollars every three days if they don't have their payment. Therefore I now owe them XXXX dollars because, " It's been 6 days since my due date. '' XX/XX/2019, I contacted Best Egg and was told they just check got the check and will post later in the day.
XX/XX/2019, I contacted Best Egg and was told the check was received on XX/XX/2019, but was not sure why it was not posted, " We'll make sure it's posted. '' Today, XX/XX/2019 and the check is still not posted.
This is an attempt to try and collect more funds through late payment fees. Their actions are unprofessional, deceptive and dishonest.
|
| 09/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
On XX/XX/XXXX, I went online to apply for a small loan. I started putting in my information, name, address, where I banked etc. Then I got to a part where they asked me for my Banking username and password. I decided nope, not doing it so I left the website. They immediately called me and I explained to them that I wasn't comfortable giving that info and I had changed my mind about a loan. They continued calling until I had to block them. Meanwhile i was also receiving e-mails from them stating that I needed to mail them more information to complete the loan. I continued to ignore them. Today XXXX XXXX, XXXX I received a text message from them that said, Welcome to Best Egg! Your account # is XXXX Your first automatic payment is scheduled on XX/XX/XXXX for {$68.00}. View your account details at XXXX. I called them 3 times. The first lady hung up on me, the second lady said it was my fault because I gave them my bank info to just pay it back! I did not consent. XXXX over it!!
|
| 08/31/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
The response from Best Egg credit card issued by XXXX XXXX and XXXX is irrelative to my complaint and in in its entirety. As of today, XX/XX/, the account is still blocked, and credit balance is held for no reasons. The balance transfer has been completed and authorized by third party company and has nothing to do with Best Egg issued by XXXX XXXX and XXXX. I have been contacting them almost every other day at number they provided, ( XXXX ) XXXX, and asked for the person in charge, XXXX. Last time I called was XX/XX/. They usually say she is at lunch or at the meeting and will call you back in a few minutes but that never happens. They have asked me to contact the bank that balance transfer was issued from to reverse the transaction ; however, the third-party bank has stated that the transfer was done electronically and can not be reversed. I have explained the situation and response from third party company ; however, they never released the hold on my account and funds.
|
| 06/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
|
| 10/02/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
Servicemember |
|
I applied for a loan based upon a pre-approval offer on XXXX from BestEgg online marketplace. I was advised I was approved pending verification of my identity. I submitted a true and legal copy of my California Drivers License, which in fact was approved and verified by the representative on the phone. ( Of which I spent XXXX minutes with ) I was told the information was fine and that a final review would be done and loan processed. Within minutes I received a decline letter stating that I was declined due to not being able to verify my identity and information was from XXXX. I immediately contacted XXXX and advised them of the circumstances. I was told that that was not the case and that companies like BestEgg just throw in wording on their decline letters and then refer customers to XXXX.
I attempted to contact BestEgg Verification department to get more info. I've been sitting on hold for almost XXXX hours now waiting for someone to get me more information.
|
| 12/15/2017 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Requesting help regarding my XXXX XXXX loan. Since the very beginning I been making my payments on time But lately due a serious hardship and XXXX in the family I requested their help and see if they can do something about the interest fees, rates and other charges and even forbearance programs to help out with the monthly payments of {$260.00} XXXX XXXX will like me to default so they can add all the fees and charges and make my debt go from {$6000.00} to {$10000.00}. I called BXXXX XXXX looking for help me another forbearance plan or deferment programs available but no help so far! instead I got transferred from department to department where nobody is willing to listen. The lack of professionalism is big and only inspire distrust to customers. This loan highly negatively impacted my lifestyle and got me in debt now i owed more than i borrow.
Id like to exercise my rights as a consumer and not be consume by predatory interest rates and other fees.
|
| 10/27/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I did a consolidated loan using Best Egg with an advertised interest rate of 8.13 %, but when the payments started Best Egg actually took 31.76 % interest and stated it was written in the contract as " daily charges. '' On XXXX XX/XX/2022, the first payment was made. The loan is supposed to have a set interest rate of 8.13 %, but the first payment indicated an actual interest rate of 31.76 %.
{$110.00} ( interest ) / {$370.00} ( monthly payment ) = XXXX Fraud was committed. Best Egg advertises quick access to funds and low interest rates in large bold print. That low interest rate will be the first and only thing seen when you login ( I took screen shots ). Best Egg adds on daily charges that are not spoken about and does not match what they advertise.
There were no wet signatures used. Everything was done online. The loan and contract are invalidated and need to be canceled due to breaking the contract, and false and surreptitious advertising.
|
| 06/25/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
on XX/XX/2022 I called best Egg and asked them to stop ach payments withdrawals and they said OK but to also write a letter which I did the same day. The ach payments did not stop. I had to file XXXX XXXX bankruptcy in XX/XX/XXXX XXXX the ach withdrawals did not stop. they continued to take payments. I called again and they said they would stop as they were notified by the court. they withdrawals continued and the bankruptcy couldn't close since they now owed me money Ithe Trustee was to give to creditors. the Court gave them a reprimand on XXXX and again in XXXX XXXX to this day they try to auto withdrawal payments which I now keep the account empty and told XXXX XXXX XXXXXXXX to deny the payments which are adding to fees. so far they owe me approximately {$2000.00} in ach withdrawals after I took away my permission and street the bankruptcy and the day they don't know how to fix the issue. until then the bankruptcy can not be completed.
|
| 07/07/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I took out a loan on XXXX for {$15000.00} On XX/XX/2022 I was contacted by best egg regarding a consolidation and refinance offering me a lower rate and payment on my EXISTING LOAN.
I agreed.
I asked if this was separate loan and they said NO THIS IS YOUR CURRENT LOAN.
on XX/XX/2022 they deposited an additional $ XXXX into my account. I called in upset because as I suspected this was AN ADDITIONAL LOAN and they used PREDATORY TACTICS because I am a senior.
I immediately asked that the loan be rescinded. They said I was still liable for the origination fees of {$790.00} ... and I refused to because I never authorized this loan. I only wanted a refinance of my existing loan.
They finally agreed to remove it. But, to date it is still reporting on my credit. They provided a letter saying they remove it and they still have not. This is a huge hardship as I have been declined credit elsewhere due to their inaccurate reporting.
|
| 05/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
XXXX XX/XX/2021 I called BestEgg via phone and requested my auto payment to be canceled due to changing banks until further notice. The request was said to be done. I made a one time payment from XXXX via Bestegg website. One time payment of full payment due amount {$890.00} from XXXX on their website after the phone call.
XXXX the auto payment was canceled so I made a one time payment from a new bank XXXX XXXX, the payment was successful.
XX/XX/XXXX, I am confused why the XXXX account is on autopayment and then uncover BestEgg double billed me in XXXX. I made a one time payment from XXXX XXXX and an Auto Recurring from XXXX. I asked again for the autopayment to be canceled on XX/XX/2021.
The bestegg.com website itself does not allow me to setup any auto payment, only one time payments. Bestegg must have decided to help themselves to my XXXX account in XXXX. Called Bestegg on XX/XX/2021 to discuss this mess.
|
| 07/24/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American, Servicemember |
|
On XXXX, I applied for a personal loan of {$25000.00} from BestEgg Company.
I filled out all the documents and specified I was " Self-Employed. '' I received the notification that I was " Approved. '' ( " Congrats! You're approved ).
NOTE : THIS WILL BE MY SECOND LOAN FROM BEST EGG The next screen shows my " TRUTH IN LENDING DISCLOSURE STATEMENT. '' Then the next screen said " Almost done ... Before we can deposit your funds, we need to verify your information. '' BUT I WAS APPROVED.
The display continued by stating : " You could get verified instantly by connecting your payroll provider ( like XXXX, XXXX, XXXX ) ''??
First of all, I do not have a payroll provider. I stated that I was self-employed when I started the application process. THEY APPROVED ME.
Is BestEgg trying to get me to pay for a Payroll Service that I don't need?
I have included documents.
Best Egg, XXXX XXXX XXXX, XXXX, PA XXXX.
|
| 12/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Best Egg Representatives keep constantly calling and harassing me repeatedly about a debt I dont owe and accounts thats not my accounts or debt. I been receiving phone calls from Best Egg Representatives using profane and vulgar language against me, sending me litigation notices of me being arrest, took to jail, and sent to prIson for a debt thats not my debt or account. I am very afraid right now because, I been receiving death threats from Best Egg Representatives as well.I fear I might lose my life and die because of the constant harassment and XXXX XXXX I been receiving. Best Egg has reported the fraudulent debt and accounts to XXXX and XXXX, and the fraudulent accounts and debt is currently listed on my credit report. Best Egg is currently in violation of the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C 1692 under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
|
| 04/20/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
received a missed call from XXXX returned call it was XXXX XXXX, i gave permission to the represenative to speak with my husband XXXX XXXX XXXX who i thought had written permission sent in to XXXX XXXX.i provided permission to speak with XXXX XXXX my spouse again. the name of the rep we spoke with was XXXX XXXX, he put me on extended hold and he stated a l. to tried to contact about overdue payment but he noticed a lkarge poayment was made and system hasnt updated, my husband tersely interjected and stated this cal is not warranted account is due thru XX/XX/XXXX, and do not call again and this matter was supposedly handled by XXXX XXXX # XXXX XXXX XXXX, he was advised to cease and desist orally from any further contact and that will be backed up in writing, account is not over due even there website is showing past due incorrect, this is wrong.proof attachment included
|
| 08/26/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I currently have a new loan with Best Egg. I had a payment due on XXXX XXXX, 2015 that was set to auto debit. I logged onto their website and made my payment on XXXX XXXX, 2015 and they applied it on that day. I logged into their website on XXXX XXXX and it stated my next payment was due XXXX XXXX, 2015. Even though I had already made my monthly payment, they still auto debited the payment out of my account, causing my checking account to go negative. When I called them to find out what the issue was they just stated that the auto debit system is n't tied to the online system and I should have called and cancelled the auto debit. I asked why they would take money when no payment was due and they stated that they have a poor system in place. Can they debit money from my account if I do n't have a payment due and my loan is n't past due?
|
| 08/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
The Best Egg company will not send me monthly statements. I have been paying early ( ahead of the due date ) the last two months in a row to get ahead and hopefully pay less interest.
I'm concerned about the payment application ( s ) with Best Egg. Last month i paid on XX/XX/23 and of my {$250.00} payment. {$200.00} went to principal and {$41.00} went to interest. Whereas this month ( XXXX ) I paid on XX/XX/23 well ahead of the due date, and {$170.00} went to principal with {$78.00} going to interest.
I would like for the company to send me a monthly statement via US Mail so i can closely monitor my account. Additionally, i would like for the company to review my account and payments applied and explain why i'm being charged more interest ; Especially if the interest is not yet due for the next corresponding month.
|
| 05/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
I was solicited for a credit card by Best Egg, issued by XXXX XXXX XXXX XXXX in XXXX SD. I called their information number on XX/XX/XXXX to ask if this was a soft pull because I didn't want a card with a low credit line. I was assured by the rep that it was a soft pull until/unless I accepted the card. I asked him to make certain and he again assured me that it was a soft pull. After going to their website and applying, the amount of credit offered was too low and I fid not accept the offer. Within 5 minutes, I was notified by all 3 credit bureaus that there was a hard pull from these grifters. I again called to speak to a supervisor to reiterate that I didn't want the card and they needed to remove the hard pull from all 3 credit bureaus. She hung up the phone when I said I was recording the conversation.
|
| 09/01/2021 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
The company best egg sent me the CONSUMER two illegal false advertising letters by mail. First I've never done any business with them so how can I be pre approved unless identity theft, fraud and privacy of the CONSUMER. So then I CONSUMER XXXX tried in good faith to dismiss the first violations and requested my personal line of credit for XXXX subsequently I was denied at this point I requested the mailing of this denial letter the representative lied repeatedly claiming I can't get physical copy at which a Supervisor named XXXX also had many deflective and deceitful words I asked him according to USC 18 section 8 to correct this issue now also reminding him of 15 USC 1681n XXXX refused to comply deflecting and denying but later acknowledged he was familiar with the law which was clear admission
|
| 09/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I found out this year ( 2021 ) that someone had gotten loans and credit cards in my name. I keep getting phone calls from debt companies about debt that's owed to them in my name. I contacted the company Best Egg and let them know I never ever applied for a loan with them in my name. I submitted my FTC report, my Police report and a letter telling them that the debt is not mine. They told me that they will not except my documents because the supplied the loan to me into a XXXX XXXX account that I do not have. I don't know what else I can do to prove that the debt is not mine. I went to the Law Enforment agency and the government fraud websites to prove my name and Best Egg is basically telling to go XXXX an egg unless I pay. The loan was aquired in XXXX for almost {$19000.00} dollar.s
|
| 08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I have recently requested that information my credit report be removed to the fact that when I settle with my closed accounts I was promised the removal of closed accounts if I settled with second party agency that house my debts This information was false or misleading and is a direct violation of the consumer law I have stated this many of times and have been ignored repeatedly I just want these closed accounts remove off my credit report immediately from all three bureaus 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section
|
| 10/06/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
I opened a new credit card with Best Egg. The card has a 12 months 0 % APR deferred interest promotion. I received my first statement. Nowhere on the statement does it indicate that there is a promo 0 % APR for the current statement balance. It indicates that future purchases will have a 0 % APR ( and cash advances will have a 29.99 % APR ). The balance to which this 0 % APR applies is {$0.00}.
The " fine print '' on my statement says that I need to pay the balance in full to avoid interest charges ( section Grace Period on Purchases ) I am concerned that the current balance will be subject to interest charges. A chat rep from Best Egg says that there is a promo for purchases with 0 % interest until XXXX. This is not indicated on the statement.
|
| 04/06/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
Best Egg approved my personal loan for {$32000.00}, but when I saw the high 14.99 % interest rate I did not accept the offer. This rate was only visible to me after approval. They sent me many other offers to try to lure me into accepting the loan, but the rate was too high for me from their advertised 5 % and 6 % rates.
When they became finally convinced that I was not going to accept the loan, they sent me a letter declining my application citing insufficient income. I had originally applied for {$40000.00} and they approved me for {$32000.00}.
The rejection lowered my FICO score and affected my ability to get better rate loans. I believe this tactic used by Best Egg is fraudulent, unethical, and vindictive and deserves to be fixed.
|
| 04/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
In late XXXX or early XXXX of 2018 I applied for an unsecured personal loan through www.bestegg.com. I requested and was approved for {$15000.00} and my originator is set at XXXX XXXX XXXX. I was sent an email that had the fees and was surprised by the cost to do the loan. I live in the state of Kansas and it is my understanding the origination fee for Kansas residents is 2 % up to {$100.00}. I would like the fees associated with my loan to be reviewed by the CFPB to see if there was any wrong doing in the fees charged for a Kansas resident. I would also like a copy of my TIL and Promissory Note for my records. These documents were never sent to me and are not available through the customer online portal website of XXXX
Thank you.
|
| 09/15/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I live in Ohio and my husband is XXXX XXXX for the military and spouses fall under the SCRA benefits in Ohio. I have contacted them three times with the Ohio SCRA law and my husbands military orders and they refuse to change the interest to no more than 6 %. I was told they are in another state and could do whatever they want to do. I was informed that even though they might be in another state, they must abide by Ohio 's laws to do business with customers in Ohio. The company has not responded to my request in writing only when I call in on the phone they refuse to review it and state since I am not the service member they will not change it even though in Ohio they are required to.
XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/XXXX
|
| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Name. XXXX XXXX Address. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX Tx XXXX Email Address. XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ), has violated several of my rights.
15 U.S.C 1681 section 602 A. Clearly states that i have the right to privacy.
15 U.S.C 1681section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 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.
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
|
| 10/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
This issue has been going on for months now I try to use the card and every transaction gets declined. Ive tried using it at multiple locations makes no difference if Im at a gas station and grocery store or buying a movie ticket for the life of me I cant get the card to work I have called on multiplications you said that youve restarted the card reset the card you told me to wait XXXX hours other time you tell me to wait XXXX hours But nothing ever works. What does it take to get you to fix the card so I can use it like Im supposed to be able to? Im not at my credit limit Im not behind on anything never missed a payment I mean Im a good customer I do have a small balance but its very small, so why doesnt the card work?
|
| 01/22/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Best Egg has continued communication in regards to the alleged debt after I gave notice that they cease and desist all communications with me in regards to the alleged debt pursuant to 15 USC 1692c ( c ). Best Egg has also failed to proved adequate documentation as request pursuant to 15 USC 1692g so that I can exercise my right as a consumer and accurately validate my obligation to the alleged debt, all I have received from Best Egg is copies of a loan agreement. I still have no information on who the original creditor is, there address and where the credit originated from. Pursuant to 15 USC 1681n ( a ) and 15 USC 1681o ( a ) Best Egg is noncompliant to my request to accurately validate my obligation to the alleged
|
| 12/14/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
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On XX/XX/2018, I was approved for a loan for XXXX for annual percentage rate of 29.91 %, Finance charge of XXXX, amount financed XXXX, total payments XXXX, number of payments 59, and a monthly payment of XXXX.All payments are due on the XXXX of every month.All payments are automatically deducted from my checking account every month.This XXXX loan is owned by XXXX XXXX but serviced by XXXX.Every month my payment is due on the XXXX, XXXX always takes the payment out two days later which screws up my account because I have other bills due and causes fees from my bank for insufficient funds.Just recently I was charged XXXX because the ach bounced.I feel im being taken advantage and beginng to feel this loan is a scam
|
| 01/28/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 09/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : BEST EGG XXXX Open Date XX/XX/2017 Balance : {$0.00}
|
| 01/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
BESTEGG was advised to investigate a few things that I believe are inaccurate and they never responded. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law.
|
| 10/22/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I was sent a preapproved offer from XXXX. I applied the very day that I got the offer, and my application was denied for credit reasons.
If I was preapproved, how can they deny me because of something in my credit report? Their approval was supposedly based on my credit report.
Text from the denial below : Re : Your loan applicationThank you for checking your rate for a Best Egg ( R ) loan. We regret that we are unable to approve your application at this time, for the following reason ( s ) : Insufficient credit lines established on open revolving accountsLack of revolving account historyToo many inquiries in the last 12 monthsInsufficient available credit on all open revolving accounts
|
| 08/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
This company has violated the UCC 3-603 and UCC-3-311. neglecting payment made with a negotiable instrument.
on XX/XX/23 my Payment coupon arrived at there facilities XXXX XXXX XXXX XXXX XXXX they have replied they never received the payment, however it shows it is there with the amount of XXXXXXXX XXXX i opened a dispute with the company and sent out a fault and dishonor letter notarized reminding them of the payment and offering them a discharge. ( tracking # XXXX ) arrived on XX/XX/23. they are denying they have received, the mailing addres was given to me by one of there representatives and confirmed multiple times.
they are violating Ucc 3-604 ucc 3-602 ucc 3-504
|
| 02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have sent XXXX, XXXX and Best Egg letters to clear up this account thats in error. But to no avail. This account has been re-aged because there are three different date last active? and only one bureaus has any payment history?
This account is reporting errors that seem suspicious how can you have different date last active? and date of last payment when the account is supposed to be charged off? Best Egg and or the credit bureaus are re-aging this account which is a violation of my rights. XXXX and XXXX has been reporting this wrong information every month since I found out about this account which is horrible and I need to understand how they can do this to me?
|
| 02/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
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I am on a automated payment plan for {$62.00} with Best Egg for the XXXX of every month started XX/XX/XXXX. Best Egg continuously reported to the credit bureaus that I was late from XXXX XXXX XXXX. Best Egg received on time payment of {$62.00} every month on the XXXX drafted out of my bank account. When I called them for the 3rd time to ask for an explanation, no one could explain the 1st nor 2nd times. The 3rd time Best Egg stated they did not see what I saw on my credit report. But they had to report it. Every time they report this my score goes down. This is incorrect information. Even when disputing this Best Egg still stated I was late and even added XX/XX/XXXX.
|
| 10/18/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
Main Issue - I have asked Best Egg to quit calling me at work at least twice. They have continued to call. The last time was today, Wednesday XX/XX/. They talk to the switchboard operator, they talk to my co-workers, stating that they are with Best Egg, trying to reach me, and then leave me voicemails. Today 's voicemail was from XXXX was at XXXX in the afternoon. I am sure my co-workers can figure why they continue to call.
Side Issue- I have a medical issue that has caused me to a financial hardship. I called Best Egg requesting a lower payment and lower interest rate while I try to get caught up. They refused to help, stating they have no programs available.
|
| 10/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I appreciate you taking the time to UPDATE some of the information in my credit file ; however, there are still accounts that need to be UPDATED.
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureau to validate this account ( A ). I hope this disputed account is updated.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX Open Date XX/XX/2017 Balance : {$0.00}
|
| 04/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
In XX/XX/2019 I made 5 payments up front to cover XXXX, XXXX, XXXX XXXX and XXXX payments, sending them a check for the total fixed payment that had already included interest. I made a {$1500.00} payment XX/XX/XXXX for my XX/XX/XXXX1st due date, my payment is XXXX a month a wanted the rest to be applied to principal. Best Egg took my {$1500.00} and applied the entire amount to interest only telling me that because they were charging me daily on all the payments I made upfront! In my XXXX a month that includes the interest and now they want additional XXXX for more interest because I made 5 months of payments up front! This company needs to be investigated!
|
| 08/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and delete : BEST EGG XXXX
|
| 10/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am not denying my account or stating this account isn't mine. I am not asking for verification as defined pursuant to 15 U.S. Code 1681a ( l ) ( 2 ) ( A ) information in the consumers application for the credit or other information bearing on the credit worthiness of the consumer ; or pursuant to 15 U.S. Code 1681a ( l ) ( 2 ) ( B ) of the information in the consumers application for the credit to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. I am demanding you to remove my account information as you have no permissible purpose to furnish a consumer report in regards to i the consumer
|
| 01/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
regarding previous complaint # XXXX. CFPB contacted Best Egg about this account. XXXX replied based on their investigation I did not dispute the application, whin I emphatically denied ever applying for a loan. I did not ever apply for a loan. My identity was hacked, and someone else used my information to get a loan. they also stated that the validity of the loan was not in question. It has been in question from the very first time I called to inform them that I am a victim of identity theft. they conclude the paragraph with the statement that they are required to report accurate information. They did not report accurate information.
|
| 01/31/2022 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This BEST EGG/XXXX XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided.
BEST EGG/XXXX XXXX
|
| 06/26/2022 |
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 |
Servicemember |
|
I am receiving emails from XXXX XXXX that I have taken a personal loan since XX/XX/2021. The loan company is from bestegg and I have never associated or even heard of the company name. It is stated that I have an unsecured loan with 60 month installment and requiring me to pay {$510.00} a month for the loan. I have disputed this with XXXX XXXX and would like to report identity fraud and theft of my personal information. This has happened before where my SSN was used and the police contacted me that my information was being used. Please help me as best as possible, the loan has ruined my credit score and the charges are also stacking
|
| 11/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/2021, in accordance of the law 15 U.S. Code 1692g - Validation of debts. I sent Best Egg a debt validation letter for an alleged debt. I also sent a cease and desist in accordance of the law 15 U.S. Code 1692c - Communication in connection with debt collection. Since that date I have received an adverse action against me according to 15 U.S. Code 1691 - Scope of prohibition. The debt was originally listed on my Consumer Report as a loan amount of {$25000.00} and on XX/XX/2021 it was updated by Best Egg to {$230000.00}. I have not received any communication by mail providing any validation information for this alleged debt.
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In Accordance with the fair reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the rights to privacy. 15 USC 1681 section 604 ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Also under 15 USC 1666 ( B ) a creditor may not treat a payment on a credit card account under an open and consumer credit card as a late payment for any purpose. I request that all late payments to be removed from my credit report according to my rights mentioned above. Thank you in advance for your help in protecting my rights.
|
| 07/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
The company stated in a notice that they are unable to extend credit to me because of settlement information listed on a credit report for an old account. I spoke with XXXX in the applications department, XXXXSupervisor in the applications department, and XXXX Manager of escalations. I informed them all that it is unlawful and an act of discrimination for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction or because the applicant has in good faith exercised any right under this chapter. XXXX stated she would put in a ticket to escalate the matter for a resolution within 24 hrs.
|
| 05/30/2019 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX In reviewing my credit report I noticed that in the last 24 months this company has requested a soft check 17 times without my permission Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX When calling the number listed on the credit report I was not able to get a person to answer the phone. Currently on 30 minutes of a recorded commercial for their best egg loan service.
|
| 07/26/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
I was given a of {$10000.00} from Best Egg financial institution. They deducted {$500.00} and deposited {$9500.00} into my account. My monthly installment payment are {$300.00}. I just realized the interest alone is {$250.00} from the {$300.00}. That means am only paying {$48.00} a month? That is outrageous, can you please help me I was not told read from any where that was going to be the rest. Am a senior citizen XXXX will retire next year, I can not survive on such a huge amount of interest rest. Please can you help me out. I know there is something wrong here. After 5year I will about {$20000.00} HELP ME PLEASE
|
| 03/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
i was scammed a few months ago. i was contacted by someone who also fell victim to the same group saying they were in contact with a private investigator claiming they could get my money back. i had stopped the " project '' when i realised what was happening but he got access to my personal and bank information ( most likely from the black market on the internet ) and applied for two loans : one for {$5000.00} with XXXX and another for about {$3500.00} with bestegg. i have contacted bestegg about the matter and disputed the account on all credit reports but bestegg has said that the account is accurate.
|
| 01/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
On XX/XX/XXXX, I paid a principal payment of {$500.00}. My regular monthly payment is due on the first of each month. I have the payment of {$160.00} automatically withdrawn and the loan is current. My complaint is that Best Egg only paid {$440.00} off my principal and took {$59.00} out in interest. The CSR stated that if I wanted to make a principal payment I should do it the day after the regular payment is due. Is this a correct calculation of a principal payment make later in the month as opposed to later in the month?
Please advise is this is a best practices consumer loan practice.
Thank you
|
| 04/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I took out two personal loans from XXXX XXXX to help my small business in XX/XX/XXXX. We were paying on time every payment, but my company had a big down turn in last 90 days that we are unable to recover from. We are currently meeting with bankruptcy lawyers and they have advised us to ask the company to stop calling us. They have been calling 4-10 times per day. I requested that they stop calling on XX/XX/XXXX on multiple occasions and they still call, text and email many times per day. We are trying to figure out our options and told them that when they called. They still continue to harass us.
|
| 11/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I received a offer from Best Egg credit card offering 0 % interest on balance transfers and purchases for 12 months. I applied and was approved, but I couldn't locate the balance transfer option on the website. I called and spoke with XXXX and was told that they haven't set up that feature and he didn't know if/when it would be set up. I only applied for this card for the 0 % interest rate offer, now I have a card I can't use and it's on my credit report.
I would like to be able to use the 0 % balance transfer for 12 months or have the card closed and totally removed from my credit reports.
|
| 02/22/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have a personal loan with Best Egg. I innocently forgot to pay it on XX/XX/XXXX, the due date. The very next afternoon, I started receiving robo calls EVERY HOUR nearly. This is harassing and extremely excessive. I have previously spoken to someone about this at Best Egg, yet nothing has been done. I am not months late but a day or so. I can not stand to continue receiving calls like this, especially if I am at work. No messages are ever left, it just a robot. I have since set up payment, but continue to get calls constantly, literally all day long. This HAS to stop!
|
| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I was offered a settlement agreement with Best Egg. And that is to pay them XXXX in 24 months 23 payments of XXXX a month and final payment of XXXX. That equals XXXX. Now best egg is saying I have a past due amount, and that is showing my last 15 payments to be late, and now my credit is junk. I have an email from Best Egg explaining are agreement. All my payments have been on time from date on agreement XX/XX/XXXX to my last payment date of XX/XX/XXXX. Also they have the wrong balance due amount and the length of agreement it is 24 months not 36 months
|
| 09/21/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
I attempted to make a balance transfer from my Best Egg credit card account to a credit card account with another bank, but I wasn't able to. I called Best Egg customer service and spoke with a customer account specialist named XXXX. He told me that they have a policy that balances can not be transferred out of a Best Egg credit account to a credit card account with another bank, however, a balance can be transferred from a credit card account with another bank into a Best Egg credit card account. In a sense, Best Egg is forcing me to stay with them.
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I filed a complaint regarding an other account I had with the same lender report in accurat late payment when I was never 30 days late They then removed the late and went into my other account I have with them that has payments auto drafted and added 3 late payments to my other account Since the payment is auto drafted is draws directly out of my account on the exact date its due 2 payments were reversed but they went through on the second try. There was never a 30 days late payment on my accounts prior to me making the complaint on my first account
|
| 09/18/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
On XX/XX/2017, I received an email from XXXX XXXX regarding my loan status. The email 'confirms my delinquency status ' ... The email was also addressed to several other XXXX XXXX borrowers. This sharing of delinquency status to other persons seems to violate my privacy rights under the FDCPA. Providing my personal email address to other borrowers seems suspect as well. I called XXXX XXXX to complain, and followed up with a written complaint including a copy of the email since they denied sending the email. XXXX XXXX has not responded to complaint.
|
| 12/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I XXXX XXXX am trying to avoid filing a chapter XXXX bankruptcy petition. However, before I do that I want to obtain the actual ownership of my current creditors that went into default several years ago. I hereby file a qualified written request on each defaulted creditor, and if any of these debts were sold off to a third-party debt buyer, then I will review the proper documentation to make sure all proper legal requirements were initiated. Accordingly, I request full validation of the stream of ownership on each account under reinvestigation.
|
| 09/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. BEST EGG XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}
|
| 04/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
On XX/XX/XXXX, I received a loan of {$15000.00} from XXXX XXXX. The loan payments were drawn from my check account, {$480.00} every month.
On XX/XX/XXXX, I paid off the full balance of the loan. However, the next day, {$480.00} was withdrawn from my checking account.
I have contacted XXXX XXXXXXXX about 25 times since then, asking them to refund the {$480.00} overpayment.
In each instance, XXXX XXXX has taken my information and promised to resolve the issue. Yet here we are, almost a year later, and they have not yet repaid me.
|
| 07/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
I am hearing impaired and I have contacted Best Egg multiple times regrading unauthorized transactions on my credit card. I have faxed them multiple times as I can not call them because of being hearing impaired. I have received no emails or letters in the mail just countless phone calls everyday to collect because the account is now past due and has occurred late fee 's. They will report late payments on my perfect credit reports all for an error they will not acknowledge via the letters I faxed to them to dispute this balance.
|
| 06/12/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I received a pre-approved letter from Best_Egg with an offer code. The letter has not date but has a Respond by XXXX XXXX , 2017 date.. The letter reads You 're pre-approved for up to {$50000.00}. I applied online for {$40000.00} with the offer code and was denied based on various factors. How can companies such as Best Egg be allowed to mail pre-approved letters, accumulate consumer information through the application process, and then deny them? It would seem to me that they are building an information database.
|
| 07/01/2021 |
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 |
|
|
MARLETTE SERVICING LLC, XXXX XXXX, entities, associations, affiliates have been pulling my credit report without my knowledge and authorization. I have a list of dates over the past few years when the different names have acquired my records. I understand this is an ongoing issue.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are also entities that did not have my expressed or written approval to have, used or any such authority to make any inquiries to my credit, credit worthiness or anything thereof.
|
| 08/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
Best Egg is basically calling my place of employment multiple times a day almost every day of the work week. I need this to stop for as I am in fear of losing my job because they constantly harass my place of employment. I have XXXX along with XXXX which stems back from a work accident which killed a coworker right in front of me. Im pretty much XXXX as since my wife and I had to move in with my parents. I am very worried that my employer may take action against me for the harassment coming from Best Egg Financial
|
| 08/15/2017 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
I received my loan online and make all my payments online, I never call in. I paid the account off in full per the amount on the website, then 2 days later they hit me with a {$7.00}. I paid that, then they hit me with a {$.00} charge. They wont give me a payoff over the phone and the one online is incorrect, they say they can only " Mail Me '' a payoff ( To collect further interest I assume ''. BEST EGG is an online lender that wont give accurate payoffs on the same site that you can actually the the payoff.
|
| 11/29/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
These people are robbing me and I 'm sure others as well. My credit is in the mid XXXX and I got a loan fromXXXX XXXX XXXX for {$7200.00} and I make monthly payments of {$230.00} and I called to see why my balance is still {$7100.00} the said the out of the $ XXXX monthly payment only {$65.00} is going towards my principal but I got my loan in XXXX 2017 and the is now XX/XX/XXXX so the balance is inaccurate and needs to be corrected along with this company is over charging people and need to shut down.
|
| 11/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I XXXX XXXX entered into a consumer credit transaction with Best Egg on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge should include all fees associated with the extension of credit. Best Egg charged me an Origination fee separate from the finance charge. XXXX XXXX Bank is listed as the Lender in this consumer credit transcation.
|
| 02/14/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Older American |
|
On XXXX XXXX, 2023 a loan was applied for in the amount of {$35000.00} to Best Egg using my identity. My name and address was used but the email address that Best Egg showed was not mine. The loan was denied due to to many inquiries. Nothing wrong with my credit report rating.
The email used for loan application was XXXX and phone # used was XXXX which was my old number from years ago.
I am sending you a copy of the letter I received from Best Egg and Thank you, XXXX XXXX
|
| 12/04/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I was trying to dispute {$100.00} out of this following transaction - XXXX XXXXXXXX {$320.00} Amount Merchant NameXXXX XXXXXXXX DateXXXX XXXX XXXX I called best Egg at customer service to dispute it, it's a nightmare to dispute a transaction, for for my future XXXX or any of the big transactions I will stop using best Egg credit card.
I wanted to dispute this transaction because it was a nightmare living at this XXXX and there were lots of amenities which were missing.
|
| 04/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
Someone fraudulently used my SS # and name to get loans. They also changed the address and phone number on my credit report and set up a XXXX service account using my information.
This occurred on or around XX/XX/2022.
Three loans were taken out : Best Egg in XXXX, Pa {$10000.00} XXXX XXXX in XXXX, MD {$3100.00} XXXX XXXX in XXXX, SC {$6200.00} The companies have been notified and fraud reports started.
I filed a police report to be included with these reports.
|
| 12/07/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have attempted to payoff this loan. Difficult to get a person, when I do they agree it doesn't make sense that I paid {$4700.00} in interest and only {$300.00} in principal. I told them I want to pay this off ASAP but they said they need to open a ticket. Then they disconnected the call. Please help me get this paid OFF ASAP. I can't get answers about the interest. I don't think they want me to pay off so they can continue to assess as much interest as possible!
|
| 03/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
I have had a loan with Best Egg for 14 months. Every month I have paid interest between $ XXXX. Suddenly, this month, they are demanding to apply approx. {$XXXX} toward interest and {$XXXX} ( more or less ) toward the balance. When I ask for an explanation or reconsideration I get nothing. I have paid off thousands toward the balance of this loan. My interest should be going down, not up. This company should be held responsible for stealing from their customers.
|
| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I notified Best Egg of their violation of my consumer rights and requested that they correct their improper reporting of my account with them. They sent me a response informing me of their refusal to comply with consumer law and in their letter to me, they claim that their written agreements and policies shall remain enforced regardless of what my rights are or what the law says.
They are in direct violation of FCRA 15USC 1681a 2Ai and 5. 15 USC 1681n
|
| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 states I have the right to Privacy. 15 U.S.C. 1681 section 604 A section 2 It also states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer creditor plan as late for any purpose.
|
| 01/29/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
This is incredibly horrible.
My new credit card company " best egg '' aka " XXXX XXXX '' has just cost me a bundle.
They wrongfully charged my checking account twice and I got NSF fees from my bank. Then they proceeded to charge me an NSF fee themselves.
I wrote them about it but they did not resolve this matter voluntarily.
I just sent all of the money that I was supposed to pay them.
They are claiming I still owe them hundreds plus fees.
|
| 11/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on BEST EGG. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
BEST EGG XXXX Balance : {$0.00} BEST EGG XXXX Balance : {$0.00}
|
| 03/07/2022 |
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 |
|
|
XXXX/MARLETTE XXXX XXXX XXXX XXXX, NJ XXXX Dear XXXX/MARLETTE : It is your responsibility to ensure your permissible purpose in accordance with the Fair Credit Reporting Act before reviewing a consumer 's credit report. Demonstrate that your hard inquiry for XXXX XXXX dated XXXX, 2022 met this requirement, pursuant to the XXXX. My Social Security number is XXXX.
Otherwise, rescind the errant notation immediately.
Sincerely, XXXX XXXX
|
| 08/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXXXXXX XXXX # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
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.
|
| 12/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Best Egg has placed a account on my credit for {$8900.00} on XX/XX/2022. I have called and disputed with them asking them to show me a signed contract with my name, but they refused and stated they have no signed contract. I was told the money was placed in an unknown account that is current closed out ( I had to investigate ), but Best Egg refuses to help me.
They have a very rude team, and never call back when they say they will.
|
| 09/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
1. I contacted XXXX XXXX on several occasions to have the fraudulent inquiry removed from my credit profile. XXXX XXXX refuses to remove the fraudulent information. I provided them with a letter stating that the XXXX XXXX inquiry made to Best Egg / Marlette Funding was deemed fraudulent. XXXX responded by sending me an Explanation Of Inquiry letter.
2. Best Egg / Marlette Funding failed to request removal of fraudulent information.
|
| 08/29/2022 |
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 |
|
|
n accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX # XXXX has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666 B : A creditor may not treat on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 09/24/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
the loan is with Best Egg, who transferred the money into my bank account [ good ] but has not ever given me a statement, correspondence, or any way to contact them or keep track of loan. I would 've liked to make additional payments but the info they show when withdrawing payments from my bank account does not provide any information I can use to do so. also, they advertised low rates but that does not turn out to be the case.
|
| 05/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.
15 USC 1681 section 602 states I have the right to privacy.
15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.
|
| 09/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit reporting act. This lender has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting can not furnish a account without my written instructions.
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.
|
| 01/05/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I received a loan offer from Best Egg ... I was only interested due to the No origination fee offer ... I completed the application process and then noticed the disclosure of a XXXX charge for a origination fee..I called the XXXX service center in XXXX XXXX and was told..sorry we cant help you ... I then spoke to the supervisor on duty who offered no explanation. I feel that this is very deceptive.practice.
|
| 10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on BEST EGG/SST ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
|
| 01/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/XXXX, I applied for a personal loan through their website. I was approved after XXXX steps, and then I went to verify my bank account. Only after this step, it was revealed that there were points / Origination Fee that were not upfront. It was only until today, XX/XX/XXXX, that the Best Egg Loan Agreement and Promissory Note were sent over to me via email.
This practice is deceitful.
|
| 12/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
Loan was created online. Studying TILA and consumer law. I never received my rights to rescind. I sent the paper work to them to rescind. they received it on XX/XX/2022 and haven't respond back. Their 20 days are up. I need you to reach out because I feel as thought they may be ignoring me. They need to do what the law say to do. This was sent to the registered Agent of the company
|
| 06/20/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American, Servicemember |
|
On XXXX / XXXX / 2017 , I applied for a loan with Best Egg to consolidate my credit cards ( {$13000.00} ). When the loan was approved, the approval document did not indicate the amount of the origination fee ( {$510.00} ). The advertisments for loans of my size and credit score s howed much lower fees. As a result of the high fee, I was not able to cover my credit card balances.
|
| 09/01/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Today is XXXX XXXX and I checked my email and got an alert that a lender reported a new account. I checked through XXXX XXXX and XXXX XXXX and I did not open this latest account with bestegg. I think someone has used my identity to do this. My XXXX account was highjacked several weeks back and maybe that has something to do with it. I wanted to report this as soon as possible.
|
| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
BestEgg erroneously reported a paid-off personal loan on my credit report on XX/XX/XXXX. The loan was paid off in XX/XX/XXXX and they reported it as overdue with a current balance of {$3600.00}. My credit score was affected and went down by about XXXX points because of this! I have contacted them and they said they would investigate in the next 30 days. That is unacceptable!
|
| 11/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
the XXXX never investigated the Identity Theft as to the accuracy of the account, in less then XXXX hours i was notified that the account was accurate, so that didn't seem reasonable investigation, and the furnisher of the account wasn't forwarded any information i sent the XXXX to accurately determine or with any reasonable effort, determine if the debt belonged to me
|
| 06/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
cfpb case XXXX Best Egg has responded that it is filed with the wrong company. That is not true. Best Egg sold a fraudulent debt that they had no right to sell, so they are responsible for the harassment that the sale generated. They are aware of this because I spoke the the individual responsible after a previous cfbp complaint. He is acting in bad faith now.
|
| 06/08/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American |
|
I AM BEING SUED BY XXXX XXXX XXXX FOR A LOAN THAT WAS CLEAR IN BANKRUPTY IN XXXX THEY HAVE CHANGE THE DATE TO XXXX XXXX AND SAID I GOT THE MONEY IN XXXX WHEN I FILE I DIDNT BORROW ANY MORE MONEY FROM ANYONE. I DONT KNOW IF SOMEONE ELSE DID I KNOW I DIDNT.THE ONE WHO IS DOING THIS IS XXXX XXXX XXXX AS I SAID I HAVE NOT BORROW ANY MONEY SINCE MY BANKRUPTY
|
| 02/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
My wallet was stolen about 3 months ago ; my loan was almost paid off, but the wish to add on to the loan. They were playing a game over the phone. When I called the guy did not want to answer and tell me the amount that I had owed. My fault, because they are thugs stealing from people.
When I ask the guy what I had owed ; he did not want to answer.
|
| 12/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 USC 1681 Section 602 States I have the right to privacy.
15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I have XXXX XXXX. I use their profile to monitor my scores etc. I tried to cancel a loan offer from their website & was told I could not. I was told I had to wait until the proceeds were deposited. I explained I wanted to cancel the loan. I wanted to close my checking account but my bank said not to. XXXX XXXX offers the worst predatory loans.
|
| 04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My payments are due on 1st of every month After I made a payment and the last day of the month ( XX/XX/XXXX for XX/XX/XXXX payment ) it was due and payment credited, best egg reported me over 30 days late when I paid the payment prior to the new payment becoming due now since they reported this inaccurate my credit drop 65 plus points
|
| 03/16/2021 |
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 |
|
|
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )
|
| 02/25/2022 |
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 |
|
|
I am seeing an influx of credit inquires on my credit that I was never privy to. A bunch recently in XXXX : XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX/MARLETTE XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XXXX, XXXX Inquiry
|
| 12/15/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Older American |
|
Best Egg solicited a loan, telling me I was pre-approved for up to {$50000.00}. This was stated without any qualifications whatsoever by the company. On checking online with their " personal offer '' number, I was made to answer numerous financial questions and ultimately denied credit. Therefore I was clearly not pre-approved.
|
| 09/03/2018 |
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 |
Servicemember |
|
I checked my credit report, noticed two inquiries from XXXX XXXX, XXXX and XXXX that I'm unsure of where they originated. I have not applied for any new accounts because of my open bankruptcy yet inquiries from different courses keep popping up. I have added fraud alerts to all of my credit files with each credit bureau.
|
| 08/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with XXXX XXXX, BESTEGG, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all XXXX bureaus and XXXX XXXX, BESTEGG, and XXXX with no successful resolution. There was definitely an error on their part.
|
| 12/12/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Best Egg reported my account 30 days past due on XX/XX/2022. They also updated my last payment received was XX/XX/2022 which is incorrect.
Last payment made was XX/XX/2022 at 28 days past due. The payment was never 30 days or more past due and that is INACCURATE.
Supporting documentation attached.
|
| 12/17/2021 |
No |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Best Egg is attempting to collect an alleged debt in which they have not provided proper proof of my obligation to the alleged debt pursuant to 15 USC 1692g. I am requesting that Best Egg cease and desist all communications in regards to the alleged debt pursuant to 15 USC 1692c ( c ).
|
| 04/19/2022 |
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 |
|
|
I, XXXX XXXX, consumer in fact, recently checked my credit report and I saw an unauthorized inquiry from XXXX/MARLETTE on XX/XX/2022. I did not authorize nor give any written consent to this inquiry on my credit file. This is identity theft from BEST EGG and I have been injured.
|
| 03/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
I filed dispute a dispute in regards to excessive incorrect information that is being reported on my credit report. It has been well over 30 days and I have not received any investigation results nor any of the evidence/proof documents that I requested from the reporting agency.
|
| 08/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
On XX/XX/2023, I applied online for a line of credit. Best EggXXXX XXXX XXXX XXXX XXXX XXXX XXXX immediately denied an extension of my credit. This is XXXX violations of ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit.
|
| 06/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 12/15/2015 |
Yes |
|
|
|
Web |
|
|
Is this a legitimate organization? I had to provide my social security number and address to get them to remove my name from their mailing list. Then I got a follow up mailing piece asking me to sign my confirmation to not receive any more offers from their organization.
|
| 06/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft BEST EGG Account Number : XXXX This is not mine.
|
| 02/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
MARLETTE FUNDING accessed and obtain a copy of my XXXX consumer report without my written authorization. I never gave authorization for this company to obtain a copy of my consumer report. I also sent a notice of dispute for unauthorized credit inquiry by mail.
|
| 09/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Repeatedly calling my in-laws several times per day even though they have my phone number. They have told them repeatedly that I am not reachable at their number.
They also call me repeatedly, even after speaking with them and making payment arrangements.
|
| 02/01/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
I am a qualifying XXXX XXXX service member. Ive provided my enlistment documents, current pay stubs, and. An office letter from my supervising commanding officer proving I am XXXX XXXX.
However the company continues to deny adding benefits to my account.
|
| 10/16/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Nothing has happened a representative continues to call me to inquire about payment but can not adjust the bill, also they continues to call before XXXX a.m. eastern time until about XXXX p.m. at night. They call at least 4 times a day sometimes more.
|
| 04/02/2021 |
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 |
|
|
I recently requested a copy of my credit report & seen unauthorized hard inquiries. This is a violation of the FCRA under section 604 permissible purpose.
XX/XX/XXXX - BEST EGG, XX/XX/ 2021 XX/XX/XXXXXXXX, XXXX, XXXX, 2021 - XXXX, XXXX, XXXX, 2021
|
| 06/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have these accounts that are not mine and i want it to be remove.
1. Chapter XXXX Bankruptcy Case Number : XXXX 2. XXXX XXXX 3. XXXX XXXXXXXX 4. XXXX XXXX XXXXXXXX XXXX 5. BESTEGG XXXX 6. XXXX XXXXXXXX 7. XXXX XXXX 8. XXXX XXXX XXXXXXXX
|
| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Under XXXX. Transactions are not to be shared with any XXXX party without proof that an opt out of reporting was given to me the consumer. I did not receive any opt out information. Best Egg illegally put a late payment on my credit files.
|
| 08/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
Monday XX/XX/2023 apply for a line of credit XXXX and was denied credit. I feel they didn't give me credit because maybe low score or income purposes..which is q violation of the equal credit opportunity act.for discrimination of some sort
|
| 07/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
borrower requested refund of overpayment equal to 5 payments .that account is due for 2020.refunding this amounts are borrowers own money and a credit, it was denied without reason by XXXX at marlette funding and XXXX XXXX at marlette
|
| 08/15/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
Multiple offers for " pre-approved '' installment loan to assist with debt consolidation. Letters read : '' You 're Pre-Approved for a personal loan up to {$50000.00} '' Once personal information is entered on website, no offers given.
|
| 09/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
The collection agency called my employer and went into detail about the loan i took out, the amount on how much was taken out, the dates, everything. Tried to get my employer to pay the debt. I feel this is an invasion of my privacy.
|
| 05/23/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Hi! I am being double charged a fee already debited by the company, and it also reduced my borrowed amount. I requested the company adjust my loan amount and they declined, stating no double charging has occurred. Please help me!
|
| 01/29/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
Mislead by the terms of Best Egg and XXXX all the information was falsely given about the terms and late fees its predatory calls against A XXXX women they treated me so bad.. I lost my job due to COVID -19 please please help me
|
| 04/10/2017 |
No |
|
|
|
Web |
|
|
Marlette Funding , LLC showed up on my XXXX credit report as requesting credit information XX/XX/2015. I have never done business with this company so I do not think they should have requested access.
XXXX XXXX, DE XXXX XXXX
|
| 05/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I gave them a cease and desist order on XX/XX/XXXX. Then I called to confirm that they received it because I received another piece of mail dated XX/XX/XXXX. On XX/XX/XXXX, I received two more pieces of mail dated XX/XX/XXXX.
|
| 12/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
best egg fraud team never contacted me, by mail with any proof the debt was mines, they didn't submit any contracts, any id 's of me, nothing!! how can a company simply state, it belongs to you, and thats it!
|
| 08/12/2023 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
The bank had blocked and hold funds in my account after balance transfer was processed. I have contacted them several times but there is no action taken. Thay have blocked my funds and hold it since XX/XX/23
|
| 10/25/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
this company calls my employers line constantly the XXXX do not pick up for they do not have my extension and I contacted them over 3 months ago while I hired a lawyer to take care of this account for me.
|
| 11/17/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I have been on the opt-out prescreen list for over 10 years, and I just got a " prescreened '' offer from MyBestEgg. Since they are not obeying the prescreened offer opt-out, they need to be penalized.
|
| 01/29/2019 |
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 |
|
|
I received several alerts from my credit monitoring service of new inquiries on my credit report. These inquiries were all from XXXX XXXX XXXX. I did not initiate these inquiries.
|
| 11/03/2017 |
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
|
|
Web |
|
|
Checked credit report and seen an inquiry I did not make. XXXX XXXX, 2017. Marlette Fund XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX XXXX XXXX XXXX XXXX
|
| 09/07/2019 |
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 |
|
|
I checked my credit report on XXXX XXXX and found a hard inquiry on my XXXX credit report from Marlette XXXX XXXX that I did not recognize or authorize.
|
| 03/15/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/13 the following companies performed hard credit checks on me without my consent.
XXXX ( Finance ) XXXX XXXXXXXX ( Bank )
|
| 04/15/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
|
| 08/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
Best Egg declined my credit application siting credit score as a reason when my credit score is better than the avg consumer.
|
| 05/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
Received several emails about loans that were opened in my name along with a credit card that was mailed to me.
|
| 09/25/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Credit monitoring or identity theft protection services
- Received unwanted marketing or advertising
|
|
Web |
|
|
I didnt open this account and now have a loan that I did not ask for or signed for or initiated, this is wrong!
|
| 06/18/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
XXXX XXXX appears to refuse to update reporting. This account has been paid in full.
|
| 06/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
SOMEONE CAME TO MY HOUSE ASKING FOR ME WITH A CAMERA?!?!?!
MORE HARASSMENT!!!!!
|
| 11/19/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
|
|
bad information they have with me, company best egg account number # XXXX
|
| 03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
False reporting don credit report
|
| 03/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
This adress never been use by me
|
| 02/01/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 01/30/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 01/06/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 01/03/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Servicemember |
|
|
| 12/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
|
| 12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/08/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 11/15/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
|
| 11/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
|
| 10/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 10/26/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 10/06/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/28/2023 |
Yes |
- Debt or credit management
- Debt settlement
|
- Problem with customer service
|
|
Web |
|
|
|
| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/25/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 09/20/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Phone |
Servicemember |
|
|
| 09/20/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 09/05/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
|
| 08/18/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
Older American |
|
|
| 08/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 08/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 07/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 06/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 06/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
|
| 06/19/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 06/15/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
|
|
Web |
|
|
|
| 06/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 05/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 04/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 04/26/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 04/12/2023 |
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 |
|
|
|
| 04/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 03/21/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 03/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/24/2023 |
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 |
|
|
|
| 02/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 02/04/2023 |
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 |
|
|
|
| 01/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/14/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 01/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 12/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
Servicemember |
|
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/02/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
|
|
|
| 11/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
Older American |
|
|
| 11/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/18/2022 |
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 |
|
|
|
| 10/16/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 10/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/26/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 09/13/2022 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
|
| 08/26/2022 |
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 |
|
|
|
| 08/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/16/2022 |
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 |
|
|
|
| 08/12/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Referral |
|
|
|
| 08/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
Older American |
|
|
| 08/06/2022 |
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 |
|
|
|
| 08/04/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Postal mail |
|
|
|
| 07/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 07/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Was approved for a loan, but didn't receive the money
|
|
Referral |
|
|
|
| 07/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Phone |
|
|
|
| 04/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/17/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/17/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 03/12/2022 |
No |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
|
| 03/03/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 03/02/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Referral |
|
|
|
| 02/08/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 02/01/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
|
|
|
| 01/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
Servicemember |
|
|
| 01/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 12/16/2021 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Phone |
Older American |
|
|
| 12/16/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 12/10/2021 |
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 |
|
|
|
| 12/04/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/02/2021 |
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 |
|
|
|
| 10/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 10/25/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 09/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/16/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/31/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/17/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with additional add-on products or services
|
|
Web |
Servicemember |
|
|
| 08/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/17/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/15/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Referral |
|
|
|
| 03/23/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Can't contact lender or servicer
|
|
Phone |
|
|
|
| 03/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/06/2020 |
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 |
|
|
|
| 10/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Referral |
|
|
|
| 10/10/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 10/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Postal mail |
|
|
|
| 09/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Postal mail |
|
|
|
| 08/21/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
|
| 08/18/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 06/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 06/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/05/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/20/2020 |
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 |
|
|
|
| 04/06/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 10/23/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 10/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 09/28/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Referral |
Servicemember |
|
|
| 09/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
|
| 09/17/2019 |
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 |
|
|
|
| 09/07/2019 |
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 |
Servicemember |
|
|
| 08/08/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Referral |
|
|
|
| 06/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 02/26/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Referral |
|
|
|
| 02/04/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 01/08/2019 |
No |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Postal mail |
|
|
|
| 12/16/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/24/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 09/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Postal mail |
|
|
|
| 05/31/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 09/19/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 09/08/2017 |
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
|
|
Web |
|
|
|
| 08/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 05/10/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 05/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/01/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
Servicemember |
|
|
| 01/26/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 01/25/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Postal mail |
Older American |
|
|
| 01/09/2017 |
Yes |
|
- Advertising and marketing
|
|
Postal mail |
|
|
|
| 12/27/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 12/05/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Postal mail |
|
|
|
| 12/04/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
|
| 11/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
|
| 09/01/2016 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Shopping for a line of credit
|
|
Referral |
|
|
|
| 07/27/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 07/26/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 05/31/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Postal mail |
|
|
|
| 05/09/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Phone |
Servicemember |
|
|
| 04/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 10/31/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 09/24/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 09/10/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Phone |
Servicemember |
|
|
| 09/03/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 08/18/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 07/31/2015 |
No |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 03/18/2015 |
No |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|
| 03/03/2015 |
No |
|
|
|
Web |
|
|
|
| 02/09/2015 |
No |
|
- Advertising and marketing
|
|
Postal mail |
|
|
|
| 08/22/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|