| 07/01/2023 |
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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In XXXX of XXXX I got a loan through Quick Loans of Newton County in XXXX XXXX. Per their records I paid off the original loan on XX/XX/XXXX of XXXX which I do recall. Also on XXXX they claim I received a loan ( the 2nd loan ). I didn't know anything about it up until XXXX of XXXX and have lived less than a mile from their office the entire time. The only reason I found out about the loan was my credit score dropped XXXX points out of no where because that's when they randomly decided to report it, 52 months from the date it was opened. After reviewing the information provided by Quick Loans to the credit bureaus I noticed that it claimed I'm " only two payments behind '' and I only owed {$150.00} because the monthly payments are {$75.00}. So I tried disputing it multiple times with XXXX and XXXX. With my disputes being denied somehow when the information is obviously incorrect. So I then contacted Quick Loans and asked for the manager and that's when " XXXX '' got on the phone. I explained to " XXXX '' the situation and how the FTC states that inaccurate information had to be fixed or delete free of charge. She responded " I'm not fixing or deleting anything until the 3rd party is completely paid off and you have a confirmation email proving it's paid ''. The employee " XXXX '' then told me they sold all of their collection accounts to a 3rd party named " Consumer Attorney 's '' in XXXX or XXXX XXXX XXXX and that's who was responsible for my account now. So I called them. When I spoke to " Consumer Attorney 's '' they asked for my Social security number and after providing it to Consumer Attorney 's I was told there was nothing in their system linked to my social. I then contacted Quick Loans again and spoke to " XXXX '' and told her what Consumer Attorney 's claimed. She then responded " I'll contact our corporate office and will get back with you in about an hour. " ... After two days of not hearing from them, the amount of time and money I've spent trying to fix my credit, them completely going against the FTC 's laws and regulations, refusing to correct or delete the inaccurate information, causing me to be denied not only personal loans but business loans as well ( I have proof that the reason for my denials was because of their inaccurate account ) the credit bureaus completely disregarding my disputes of obvious inaccurate information and continuing to report it, embarrassing me, and I'm on the verge of losing my business now and that's how I support my family. I contacted a lawyer and got all three of my credit reports, sent proof that their information is inaccurate, sent PDF 's, screenshots of the amount of times I called Quick loans, the amount of time and money I've spent trying to fix it, the loan denial letters, proof that it caused my credit score to plumit XXXX points, and the 8 separate disputes that I tried to fix it with. I then contacted Quick Loans again and spoke with " XXXX '' and was told that " Consumer Attorney 's does have my account but it was inactive because they couldn't get in touch with me '' ( which doesn't make any sense to me because that's the sole reason collection companies buy lenders delinquent accounts. To find and contact the debtor to get the money out of them. Somehow they had no accounts linked to my social the 1st time I called but now they magically do ). Again I asked " XXXX '' to delete or fix the inaccurate information and she said " It's not my responsibility to. Consumer Attorney 's has your account now so you need to take it up with them '' ( how many violations is that now per the laws and regulations of the FTC ). I'm done playing with them. Now Quick Loans is going to be held responsible for their actions and their " manager 's '' action. My lawyer XXXX XXXXXXXX with the XXXXXXXX XXXX XXXX was extremely happy and willing to take this case, to say the least.
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| 07/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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We acquired a loan in XXXX from XXXX XXXX in XXXX for {$800.00}. We made the first payment fine due to it was on my old checking account card. We went to using XXXX and XXXX XXXX for our deposits and every month when trying to pay, they would deny payment stating they cant take those cards. We work 6 days a week, and nothing was mentioned at the beginning about only taking certain types of payments. We can not just go an hour to pay a bill each month. After we got behind, one of the ladies who works there, came to my husbands job, and decided to let his co workers know how late he was and said some terrible things about him, with him not even being around at the time. Luckily, they came back and told him everything, which was extremely embarrassing, due to we do not want everyone knowing our business on our bills. She could have called him outside, or to the side instead of letting his manager and co workers know everything. We are willing to pay it all and have it completely paid off before the end of XXXX, but now they have decided not to take any payment and to sue us for non payment. I am hoping something can be done to stop them from telling their customers business to anyone that will listen. We are filing with the FDCPA also and hoping she gets terminated.
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| 11/18/2018 |
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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XXXX {$2000.00} You can not collect a debt twice ...
... grave errorfalse claim and reportingI want this account removed, and reported to credit bureaus immediately or litigation may follow.
Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification.
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Please be advised this is against F.C.R.A. law and is a violation of my rights..
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| 10/16/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Charged fees or interest you didn't expect
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Web |
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XXXX XXXX of XXXX County charged me late fees that ran up to {$180.00} after the loanw as paid off, it is now reporting on my credit. I only ahd {$20.00} in fees left I paid off all three loans. I want this off of my credit, the loanw as paid off in full.
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| 12/22/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My identity has been compromised by somebody that I do not know. 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.
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| 01/26/2018 |
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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Collections manager came out and gave loan information to family member without my consent as well as showing court paperwork to them while i was asleep.
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| 02/23/2023 |
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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| 02/22/2023 |
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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| 10/20/2022 |
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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| 10/20/2022 |
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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| 06/08/2022 |
No |
- 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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| 10/13/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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| 07/27/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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| 07/27/2021 |
Yes |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
|
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|
| 07/26/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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| 07/22/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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|
| 07/13/2021 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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|
| 06/29/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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|
| 06/10/2021 |
No |
- Debt collection
- Payday loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 06/10/2021 |
No |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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| 10/20/2020 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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| 08/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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| 08/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/04/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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|
Phone |
|
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| 11/24/2016 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Managing the line of credit
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|
Web |
|
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| 01/06/2016 |
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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