Mobiloans, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/06/2018	No	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IN 46268	Web
On XX/XX/18, my mother and step father received a call at their home number from this company stating I listed them as a reference and they were trying to reach me. My step father answered and took the number and extension to give to me, thinking it was a job, based on how the call went. I was given the information and before I could call, they got in contact with my mother on her cell phone. First of all, the home number they called was never given to them nor do I even have the number to give out. My mother spoke with someone named XXXX XXXX and he told her she was listed as a reference and proceeded to give the names other references that they were trying to reach to her. First of all, this is not something that they are allowed to do, to my knowledge. They further stated they have been trying to reach me and my boyfriend but our numbers were shut off. They are correct in that regard, however, those numbers were just shut off about 2-3 weeks prior and I never received a call before that ( I do screen my calls and voicemails and never received one from this company ). My mother passed along the information and told me they were after a debt for something else. I called thinking it was a debt for something else so I wanted to resolve it. She mentioned they were about to garnish me and that this was a courtesy call to let me know that the garnishment would be filed on this coming Friday, XX/XX/18. AS I was super busy and had a lot going on, I called back immediately to handle this and was also multitasking during the call, this will come into play later. I have had a few debt garnishments and know the process and in my busy state, it lapsed my memory that this is not the normal procedure. I called XXXX back to see what was going on and was a little annoyed and concerned they gave so much information to someone that was not me. XXXX XXXX answered the phone and I explained I was responding to a call to my mother and he immediately knew who I was and stated " I have the last four of the SSN as XXXX. '' Again, this should have rang a bell right then but I was doing about 5 things at once and it didn't register that he never asked me any verifying information. He proceeded to state it was a courtesy contact because they were putting in a garnishment order on this coming Friday. I expressed concern that I had no idea that I owed this debt and had never received any calls or mail regarding this debt or that it was purchased from the original creditor. He gave two addresses, one a past address and one my current, and I advised that the current one was correct but I had not received anything at any address and had always put in a forwarding notice. He glossed over that and went into payment options. He never asked for an updated phone number, being as the one they had was wrong, and started talking about settlement options and payments and again the garnishment order. I was very flustered and told him that I had no idea I had a debt owed and he mentioned that they had tried to auto draft it from my bank at one point ( I never gave anyone permission to do that! ) and it was returned either for NSF or a closed account. My account has never been closed and I was never informed that a transaction was attempted as my bank does provide overdraft protection. I told him I would discuss the options with my boyfriend and get back with him on what I decided. He urged me to decide quickly as I only had until XX/XX/18 to stop possible garnishment. He told me he would have his manager send me the payment terms so I could read them. I called back later after discussing the terms and deciding to pay as garnishment would put me in a severe financial bind. I called back and spoke with XXXX XXXX. He then asked me to verify the last four of the SSN, which he gave me in the first call and I could have been anyone at that point, I gave it to him and we set up the arrangement and discussed future settlement options and he mentioned in the first call about using a tax refund and so forth because it was that time of year, that threw up a red flag as to why they are just now contacting me. I set up the arrangement and he stated I would get updated terms ( the dates were wrong on the first ) within an hour or two. I never received the updated terms and it has been about 17-18hours. I did have time to sit and process the call last night and noticed a lot of issues with this call that has made me question if I truly owe anything. I looked through my old phone and paperwork ( I am a paper hoarder of sorts with bills ) and saw no notices of the debt being purchased by this company and no notices from the original company either. I did some research this morning, as it has been a number of years since I worked collections, and found they are required to contact me within 30 days, by mail, that they purchased this debt and give me a chance to dispute it. I never received that paper nor have I ever received a single bill, notice, or phone call. I am extremely concerned that so much personal information was given to a third party and no one truly verified I was who I said I was nor addressed why I was never contacted before the week they were to send me to garnishment. I'll admit, I got panicked at garnishment and wanted to stop that possibility and gave my CC number to set up the arrangements, which I now worry was taken by a scammer after reading these other complaints. I reached out to the manager XXXX XXXX asking for the original purchase date, all attempts at contact and dates of all calls and letters sent and the addresses and phone numbers contacted. I feel as they tried to prey on the fear of garnishment in people and used that to get a fast payment. They were willing to settle for way less than even the original debt and that is very concerning, as well. I do know that the garnishment process is longer than they let on and in my distracted state I forgot that. I have never received a single payment demand/notice nor have I received a court summons for debt court for a garnishment order.
08/28/2017	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NJ 081XX	Web
On XX/XX/XXXX, XXXXXXXX XXXX of Louisiana d/b/a MobiLoans d/b/aMobiLoans, LLC ( MobiLoans ), deposited {$320.00} in to my XXXX XXXX XXXX bank account in response to a loan application I completed. I was assigned an account number of XXXX. I request 4 additional withdrawals, show in the chart below, totaling {$1800.00}. XXXX has withdrawn XXXX since the account was created. I have since learned that the loan provided is illegal under New Jersey State and United States Federal Law. More specifically, this loan is in violation of N.J. Stat. Ann. 17:15A-47 which states A check cashing licensee can not cash or advance money on a postdated check. Furthermore, the loan is well above the 30 %, annual usury cap and is in violation of New Jersey Criminal Law, specifically N.J. Stat. Ann. 2C : 21-19, 17:11C-36 ( a ). I have satisfied well over the principal borrowed ( {$1800.00} ). The loan contract is invalid. I demand that you mark my account as Paid in Full immediately, respond to this e-mail noting that my account is Paid in Full and immediately cease any further withdrawal activity. The loan and withdrawal activity is illegal and I will pursue further action if XXXX XXXX of Louisiana d/b/a MobiLoans d/b/aMobiLoans, LLC continues to fraudulently obtain funds from my XXXX XXXX XXXX checking account that is linked to account XXXX. I reserve the right to pursue damages caused by excessive interest rates that are illegal in the State of New Jersey. If the activity does not cease within 24 hours, I will seek the covenant of the Consumer Financial Protection Bureau. I have attached XXXX XXXX 's opinion from the United States Court Of Appeals For The Ninth Circuit that reinforces that companies such as yourselves are not immune to Federal and State Law. Further action will not be limited to : Complaints filed with the Better Business Bureau, Consumer Financial Protection Bureau, state consumers bureaus, potential class action administration and legal action. Your company is already under investigation with the Consumer Financial Protection Bureau. Payments to XXXX XXXX of Louisiana d/b/a MobiLoans d/b/aMobiLoans, LLC ( MobiLoans ) by XXXX XXXX [ NAME REDACTED ] : XX/XX/XXXX MOBILOANS LLC DES : DEBIT XXXX INDN : XXXX, XXXX CO ID : XXXX WEB XXXX XX/XX/XXXX MOBILOANS LLC DES : DEBIT XXXX INDN : XXXX, XXXX CO ID XXXX XXXX WEB XXXX XX/XX/XXXX MOBILOANS LLC DES : DEBIT XXXX INDN : XXXX, XXXX CO ID XXXX XXXX WEB XXXX XX/XX/XXXX MOBILOANS LLC DES : DEBIT XXXX INDN : XXXX, XXXX CO ID : XXXX XXXX XXXX XX/XX/XXXX MOBILOANS LLC DES : DEBIT XXXX INDN : XXXX, XXXX CO ID : XXXX XXXX XXXX XX/XX/XXXX MOBILOANS LLC DES : XXXX XXXX XXXX : XXXX, XXXX CO ID : XXXX WEB XXXX XX/XX/XXXX MOBILOANS LLC DES : DEBIT XXXX INDN : XXXX, XXXX CO ID : XXXX WEB XXXXXX/XX/XXXX MOBILOANS LLC DES : DEBIT XXXX INDN : XXXX, XXXX CO ID : XXXX WEB XXXXXX/XX/XXXX MOBILOANS LLC DES : DEBIT XXXX INDN : XXXX, XXXX CO ID : XXXX WEB XXXXXX/XX/XXXX MOBILOANS LLC DES : DEBIT XXXX INDN : XXXX, XXXX CO ID : XXXX WEB XXXXXX/XX/XXXX MOBILOANS LLC DES XXXX DEBIT XXXX INDN : XXXX, XXXX CO ID : XXXX WEB XXXXXX/XX/XXXX MOBILOANS LLC DES XXXX XXXX XXXX INDN : XXXX, XXXX CO ID : XXXX WEB XXXXXX/XX/XXXX MOBILOANS LLC DES : XXXX XXXX XXXX : XXXX, XXXX CO ID : XXXX WEB XXXXXX/XX/XXXX MOBILOANS LLC DES : DEBIT XXXX XXXX : XXXX, XXXX CO ID : XXXX WEB XXXXXX/XX/XXXX MOBILOANS LLC DES : DEBIT XXXX XXXX XXXX XXXX, XXXX CO ID : XXXX WEB XXXXXX/XX/XXXX MOBILOANS LLC DES : DEBIT XXXX INDN XXXX XXXX XXXX CO ID : XXXX WEB XXXX XX/XX/XXXX MOBILOANS LLC DES : DEBIT XXXX INDN XXXX XXXX XXXX CO ID : XXXX WEB XXXX XX/XX/XXXX MOBILOANS LLC DES : CREDIT XXXX INDN : XXXX XXXX CO ID : XXXX PPD XXXX XX/XX/XXXX MOBILOANS LLC DES : DEBIT XXXX INDN : XXXX XXXX CO ID : XXXX WEB XXXX XX/XX/XXXX MOBILOANS LLC DES : DEBIT XXXX INDN : XXXX XXXX CO ID XXXX XXXX WEB XXXX XX/XX/XXXXMOBILOANS LLC DES : DEBIT XXXX INDN : XXXX XXXX CO ID : XXXX WEB XXXX XX/XX/XXXX MOBILOANS LLC DES : DEBIT XXXX INDN : XXXX XXXX CO ID XXXX XXXX XXXX XXXX XX/XX/XXXX MOBILOANS LLC DES : DEBIT XXXX INDN : XXXX XXXX CO ID : XXXX WEB XXXX Bank Account Credit History : XXXX/XXXX/XXXX MOBILOANS LLC DES : CREDIT IDXXXX XXXX : XXXX XXXX XXXX CO ID : XXXX PPD XXXX XX/XX/XXXX MOBILOANS LLC DES : CREDIT IDXXXX XXXX : XXXX, XXXX CO ID : XXXX PPD XXXX XX/XX/XXXX MOBILOANS LLC DES : CREDIT IDXXXX XXXX : XXXX, XXXX CO ID : XXXX PPD XXXX XX/XX/XXXX MOBILOANS LLC DES : CREDIT IDXXXX XXXX : XXXX, XXXX CO ID : XXXX PPD XXXX XX/XX/XXXX MOBILOANS LLC DES : CREDIT IDXXXX XXXX : XXXX, XXXX CO ID : XXXX PPD XXXX
11/30/2017	No	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	OH 457XX	Web	Servicemember
In XXXX of this year it came to my attention that a checking account I used for savings had XXXX taken from it. Upon further investigation the money was withdrawn by mobiloans in Louisiana, they are a tribal lender, which I had never heard of before. I immediately contacted the company and had them stop the automatic withdrawals that were on my account. The amount of the withdrawals ranged from XXXX to XXXX on the XXXX and XXXX every month. The amount was different each time. I requested at that time to speak with someone regarding the issue and how this happened. I was originally advised that I could email their fraud department but there was no phone number I could have to speak with anyone and that they would contact me. I never received a call from the fraud department but they continued to call daily to collect more money from me. I sent multiple emails to them starting on XXXX/XXXX/XXXX. I would get a generic email from them that said the same thing every time that I needed a police report. I currently am not living in the same state that the loan originated from and the local law enforcement in this state advised that they could not do report and was a waste of their time. I sent multiple emails to mobiloans advising of this and I would get the same response of either my email was being forwarded to a different department or to send in a police report. I continued sending emails to them on XXXX and XXXX/XXXX/XXXX. During this time I found out who the person was that used my account information. Because of personal reasons and this person being under the age of XXXX I am not pressing charges. I sent them multiple emails advising them of this information. The emails were never responded to until I filed a complaint with the BBB on XXXX/XXXX/XXXX and amazingly I got a response the same day which finally said we can better resolve this matter by phone with a phone number finally. Followed by another email like before stating the same thing regarding the police report. I did not call them right away due to the holiday and visiting with family. I contacted them today explained the circumstances and that I wanted to get this resolved and move on. I spoke with representative and stated that I would like all my money returned to me, however I was willing to take responsibility for part of the situation and requested that only the outrageous interest and fees for this loan be returned to me and that the account be taken out of collections and removed from my credit report. I was put on a long hold for the representative to return to say there was nothing they could do. I could dispute the charges and file a police report which I already told them the reasons I did not want to file a report. Then In the very next sentence they asked if I wanted to take care of the XXXX dollars still owed on the account!! After they have already taken XXXX from me. They were not willing to work with me at all or come to any agreement. The loan was done all online. I am in Ohio where I am not even sure this type of loan and outrageous charges is allowed. I do n't think it 's to much to ask to refund me the interest and fees. This has put a huge financial hardship on my family and children, especially with the holidays so close, and has been a nightmare and they are in no way willing to work with me.
07/01/2016	No	Consumer Loan Installment loan	Taking out the loan or lease	FL 33426	Web
Mobiloans LLC ( Mbiloans.com ) sent me a solicitation in the mail ( see attached ) I phoned them to inquire about this, explaining that I already have a Tribal Loan that has a very high interest rate and their rate was better to pay it off quickly, plus my laptop needs to be replaced so i can file my XX/XX/XXXX tax return for a refund. I was encouraged to apply online so i did. Upon acceptance of my application I was sent an email requesting I send copy or photographs of my drivers license and social security card as well as many bank statements to verify and of my 30 day income ( self employed ) and child support payments, which I submitted. Then they asked me for a copy of my most recent Tax Return which I sent them XXXX as well as letters regarding child support and family contribution documentation. The subsequent barrage of emails were from " Fraud '' at Mobiloans.com insisting that i send more and more financial documentation for longer periods of duration, as well as projected income for XX/XX/XXXX/XX/XX/XXXX tax returns which I expect a refund on yet I explained to them are unfilled to date.. They are asking for financial and personal documentation in addition to my good credit score, which seems excessive ; y unreasonable, and above and beyond what is customary for a small loan and I have never been solicited for so much personal identifying information previously when applying for credit cards or loans. When I refused to send projected income figures for XX/XX/XXXX/XX/XX/XXXX taxable income, they threatened to decline my application and when I questioned this and said I did n't have anything else to send and asked them just to send me written confirmation that my personal info and financial info would be securely deleted and not disseminated to third parties or banked, they refused stating they needed to see my current accounting ledgers. They also refused to provide me with a written disclosure of denial, as per the Fair Credit Reporting Act and refused to comment as to why my loan application would be declined. When i confronted them on the phone after numerous phone calls, they seemed overly defensive regarding my concerns protecting my sensitive information and placed me on hold for extended periods of time when I stated that I suspected that they may be procuring personal and financial information to use to file fraudulent future tax returns illegally. I suspect that this company is soliciting and disseminating personal and financial information for illegal purposes especially photographs of drivers licenses social security cards!!! and I am now very worried about identity theft or disclosure of my information to third parties who may abuse it. I have saved all correspondences via email with them and kept record of phone conversations. I believe that they are 'phishing. '' I believe i am not the only person who has had their information extorted and made vulnerable by their solicitation and extortion tactics. I am not sure that they are even a validated lending company. They state they operate under Tribal Law as well, which excludes consumers from the conventional protections. Help. I think I made a huge mistake.to apply for a loan with this alleged lending company.
07/29/2020	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	CA 90802	Web
XX/XX/XXXX - unauthorized credit inquiry on credit reports. XX/XX/XXXX -I called MobiLoans on or around XX/XX/XXXX XX/XX/XXXX Mobiloans sent email with burdensome items to complete such as getting documents notarized in order for them to start an investigation and remove the unauthorized credit inquires. XX/XX/XXXX On or around XX/XX/XXXX I sent letter remove unauthorized credit inquiry to Company via USPS mail. XX/XX/XXXX On or around XX/XX/XXXX I sent a second letter Removal of Unauthorized Credit Inquiry 2nd Attempt via USPS Service Type : Certified Mail - - First-Class Mail Return Receipt Electronic # [ ] o Enclosed in my letter to Company I included a company of credit report showing the inaccurate, unauthorized credit entry and other identifying information. XX/XX/XXXX - Company acknowledge receipt of my Letter ; Company responded via email on XX/XX/XXXX. ( Note : In letter I sent, I advised that I prefer communication regarding this issue sent via the mail not e-mail ). XX/XX/XXXX Mobiloans excerpt from their email ( XXXX ) : o To further address your concerns, on XX/XX/XXXX and XX/XX/XXXX you placed a call to Mobiloans regarding identity theft. On XX/XX/XXXX instructions on how to submit an identity theft claim was sent to XXXX. Currently, Mobiloans has not received the required documents to begin our investigation. Mobiloans is unable to accept your word alone. We are unable to validate an identity claim without adequate information and supporting documents. Again, if you feel that your personal information was fraudulently used to apply for a line of credit, in order for Mobiloans to begin an investigation, please submit to Mobiloans the items listed below. Mobiloans Identity Theft Affidavit ( must be completed in its entirety and notarized ; incomplete affidavits will delay the investigation of this claim ). We have attached this form a second time for your convenience. Current Driver 's License or State Issued ID. Filed police report with contact person including a phone number for the police department. Current utility bill You may submit the above listed items to Mobiloans by fax : XXXX, by email : XXXX, or by mail to Mobiloans address listed below. We are unable to take any action without the above requested items from the consumer. Once the above requested items have been received, we will begin an investigation into your claim. Once our claim has been completed, you will be notified of our results. XX/XX/XXXX I filed police report regarding this possible identity theft in relations to this unauthorized credit inquiry, and the attempt of someone using my information to gain access credit using my information. XX/XX/XXXX I have sent off information requested from Mobiloan via e-mail, albeit NOT Notarized as this is a burdensome cost and presents a taxing task which I believe is not a requirement based on my understanding of the law in order for the Company to rectify this inaccurate reporting. Company ( Mobiloans ) has not removed inquiry as of today.
07/25/2017	No	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	IN 47274	Web
I contacted XXXX XXXX the collection agency that bought my debt from mobiloans in early 2017. I informed them that I wished to start working on getting my account squared away. I told them at the current time I could afford {$50.00} a month to which I was told that was fine as long as I made two months of payments around 140 a month to start to show good faith. I really did n't have that kind of extra month but agreed to just to start the ball. After several months I contacted them to see if I could get a settlement offer. In reply they told me no that I was not going to get a settlement because they were allowing me to make payments to begin with. I told them that I felt that was unfair and wished for them to cancel all payments since they wanted to charge me a fee if I paid monthly vs having them auto draft from my bank. At this point the guy became mad about it and in short terms used threstening words and tone to try and get me to keep paying. I refused until they would give me a good settlement that satisfied both parties. I told them i would have some money for a settlement around XXXX XXXX 2017 if they could come up with a decent settlement around then to call me and maybe we could come to agreement. The guy then told me without an agreement from XX/XX/XXXX to XX/XX/XXXX there was a good chance that they would sue me. I felt very pressured into everything. But still said no to anymore payments. Fast forward to XX/XX/XXXX I find that Summit has taken {$50.00} from my bank. I call my bank to report it and my bank canceled my debit card and starting a fraud report. They also suggested I call XXXX to try and fix it. When I call XXXX the first lady talked to me and told me that I had agreed to the charges but said there was an email on my account that said I had cancelled all payments back in XX/XX/XXXX but then I called and told them to resume payments and to change my due date. I had not called them at which point she hangs up on me. I spend the next 2 hours calling them back to only be hung up on or transfered. Finally they get me a manager and he claims I told them to change my due date and keep taking the money out. When I told him I did n't he argued with me. After several times I tell him that they took the money without my approval and he said no I had given it in the beginning so it carries over even after I cancelled the payment because I wo n't tell them my intentions with the account. I told him I wanted my money back for the payment they just took and to cancel the rest of any thing on the account. He said no to my refund and then said the rest are cancelled and then hung up. I did n't get any confirmation or anything. My wife also has an account owned by them and her account is having the same problem right now as well.
05/23/2017	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	NC 280XX	Web
I received a call in XXXX from a company called XXXX XXXX XXXX . They are a debt collector hired by Mobiloans. De spite this debt being several years old, I agreed to a payment plan because it seemed affordable and they were offering me a settlement of XXXX for a debt that was XXXX . I agreed to pay back the amount of XXXX in 3 in stallments of XXXX . I received a letter through email confirming this information. Yesterday, I was reviewing my bank account and noticed that the first amount taken out was XXXX . I called the company to inquire about this and was directed to a man named XXXX . He immediately became angry and said that there was no way this was an agreement and that he would be fired if he ever offered something like this. He then called me the " XXXX XXXX . '' He wanted to know who signed the letter and I said it was only signed XXXX XXXX but it was sent by XXXX XXXX . He then forwarded my call to XXXX XXXX . XXXX XXXX was very agitated and said the agreement was no longer valid because I did n't make the agreed upon payments. I said you have my account information and you took XXXX . She said it 's not valid and you have to make payments in the amount of XXXX . I said I could n't afford that, especially in the summer months as I am a teacher and do n't get paid in those months. She accused me of bouncing a check t o Mobiloans and threatened th at I may very w ell be prosecuted. I did n't believe that I did this and she became very angry. I said I ca n't afford this, I have brakes to be repaired on my car. She said " oh now you are telling me the truth, why did n't you do that to begin with? ", " Now, maybe I can work with you. '' She again brought up the NSF check and ask me if I had ever been prosecuted. I said, No, of course not. I did not agree to the payments. She was very angry with me and basically hung up on me. I called Mobiloans and my bank and both told me that there was not a returned check. I called her back and she was really angry and very mean this time. She said " are you calling me a liar? '' I said, to not take a dime from my account and I was contacting an attorney. She accused me of talking to her like she was a child. She said she would send me proof of the NSF check right away, which I have not received. I looked this company up on the internet and apparently the NSF check and threat of prosecution is a tactic this XXXX XXXX uses often. This is a horrible company and should be shut down. Thank you, XXXX XXXX
10/05/2015	No	Consumer Loan Installment loan	Problems when you are unable to pay	OR 97756	Web
In XXXX 2014 I took out a {$1000.00} 'Line of Credit ' at about the same percentage as a payday loan from a tribal lender - Mobiloans. Over the course of the next 10 months I made regular payments of {$95.00} every two weeks. A few times I paid off the loan completely, only to need to take it out again. In XXXX I signed up with a debt management program. Mobiloans denied the proposal, saying they do n't work with those. I was told they would not accept any payment discussions on my loan until I was 30 days late. Once at 30 days, I called back to again discuss payment arrangements. I was not trying to 'settle the debt ', I was trying to pay it back with arrangements I could handle in my budget. I was told I could pay {$950.00} in XXXX installments of {$470.00} each within 30 days and this would satisfy the remaining amount due of {$1300.00}. I was told this would be accepted as payment in full and release me from the remaining debt. At great hardship, I made these payments on time, for a grand total of {$5000.00} paid on {$3400.00} loaned. During the entire time I was making on-time payments, nothing was reported to my credit report at all. As soon as I made the last payment of {$470.00}, my Transunion reported showed up with a Mobiloans account, of {$1300.00} Charged Off/Unpaid to Collections. I immediately called, and was directed to email Mobiloans Disputes. Disputes told me they would change it to Charged Off/Balance {$0.00} because I had 'accepted a settlement '. At no time during the payment arrangements was I told this would report to my credit this negatively. Usually Charge Offs are reported when there are XXXX plus months of non payment. This was not the case. I offered to pay the remainder of the amount they accepted as Paid in Full just to have this removed. They refused, saying it was my mistake that I chose the settlement option. I asked that they remove the Charge Off then as this was only hurting my credit, not them, as they 'd received {$1500.00} above the original loan paid back in full. I was told that they had to report 'accurately '. However, they had not reported 'accurately ' the amounts paid, nor the good payment history before the accepted final payment. I 've sent multiple letters and called numerous times. At best, I 've been told 'I should be thankful they are only reporting XXXX '.
09/08/2022	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MI 48066	Web	Servicemember
First, the company advertises the loan products as an installment loan. The way it is advertised makes you believe that the product offered is personal loan. The best way to describe it is you apply for a loan amount. The bank runs your credit and verifies income. Once approved, the bank will send you the money with the simple terms. The monthly payment, the interest rate, and pay off date. With " Mobiloans.com '', this is the furthest from the truth. The product turns out to be a very expensive ; never ending, PAYDAY LOAN. I received a loan for {$1800.00} and paid 1 time per month. Mobiloans.com is debiting our checking account 2 to 3 times per month. Every payment they take is completely different. Some payments they take are {$160.00} and others are {$180.00}. When they take the payments, between {$120.00} and {$150.00} of it is nothing but their fees. Two payments ; possibly 3, per month and {$20.00} to {$30.00} of each payment is going to the principal. The way this is trap is set up ; it will take 30 months to pay off the loan of {$1800.00}. The original loan amount of {$1800.00} will cost me {$9600.00}. One would think that every law in lending has been broken. Mobiloans.com has taken XXXX XXXX and XXXX XXXX 's playbook. Everything from the way it is advertised to how the products work is all a scam. The loan was taken out to report to the credit agencies and to help with the overall credit picture. We were trying to paint a picture for VA Home Lenders to finally live the American Dream and purchase a home. Something needs to be done with this to protect us as a consumer. There is no way a company should be able to advertise this product as a personal installment loan when it is nothing but predatory payday loans. I am XXXX XXXX XXXX veteran of the United States XXXX, and we need better protections from companies like this. I am filing the complaint to receive some type of assistance. There is absolutely no way in the world I would have signed up for this product had this information been presented to me from the beginning. If the company would have said that the loans were payday loans or cash advances, they would have never been able to receive me as a customer. Everything about this company needs to be published online. Thank You!
11/21/2016	No	Consumer Loan Installment loan	Managing the loan or lease	VA 22980	Web
I was approved for a $ XXXX line of credit through MobiLoans , LLC. In increments, I borrowed all of the {$1200.00}, and accumulated some fees associated with it. It was not long until I wrote and sent a check on XX/XX/2016 for {$1200.00}, and it posted to my checking account on XX/XX/2016 for {$1200.00} dollars. That left me with a balance of fee charges ( advance fee and fixed finance charge fee ). My latest payment due date was XX/XX/2016, for the minimum amount of {$92.00}, and a balance of {$290.00}. On XX/XX/2016 I sent a check for the balance of {$290.00} ( I sent {$290.00} ), and as of today, MobiLoans , LLC can not tell me whether they have received my check ; They just keep telling me that it takes 7-10 business days to process if mailed, which is n't anywhere on their disclosures for mailed payments. The {$1200.00} payment posted to my checking account just TWO DAYS after I mailed it. I strongly believe that they delayed/and are delaying this payment mailed on XX/XX/2016, just to charge another financed fee. I strongly believe that they should have received and processed my payment due XX/XX/2016 by XX/XX/2016, just as they did the {$1200.00} payment, in rapid succession. I was told by one representative that once they receive the payment, it is processed immediately. Currently, I have been told by a Supervisor that he can not call processing to see if the payment has been received, and he also stated that it takes 7-10 business days to process, which is contrary to what happened with the {$1200.00} payment. Also, the payment center for mailed payments is just in XXXX, and I am in XXXX, yet one representative told me that it takes five days to receive my " mailed '' payment. Well that was not the case with my " mailed '' {$1200.00} payment in XX/XX/2016. It was received expeditiously and processed expeditiously. So I am really wanting assistance to be sure no more fees are charged to my account. Once this payment of {$290.00}, that they are delaying, is processed, I will only have {$34.00} left to pay by XX/XX/2016, which I intend on paying/mailing in the next couple of days. I can most likely fax or mail whatever documents you might need or request to see.
08/19/2018	No	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	CA 92374	Web
XX/XX/XXXX - Account Created The last week of the preceeding month was the month the company was contacted. The account history since creation has been somewhat consistent with payday loans but three existing mentions are using both payday and closed-end loan, and credit code type references. The payment dates were brought into standing. The original agreement was monthly repayment which was switched to bi-monthly after the agreement and verifications were complete. The company after a call about the payment change and the schedule, would not communicate about the difference and continued throughout. For the months of XXXX of this year, XXXX, the company has extended the preceeding month 's second payment to the following month at a fixed rate of approximately {$95.00}, with no more than {$12.00} fee for late payment which was originally to be included in a monthly payment minus the lateness. However the balance never reflected the dollar value balance supposed accurate. Payments of {$130.00} twice monthly minus a {$95.00} dollar admin, and fixed loan fee, {$3.00} per {$20.00} advance fee, and {$12.00} late fee is a few to many fees per code reference, with no mention for the coexisting references to credit, and the codes for loan ( closed end or open end ) does not seem accurate for an {$800.00} line of credit, nor loan or advance in the state of XXXX XXXX or XXXX though the company sevices both. The schedule for credit is 30 days, and loan 28 days, whereas the advance has two options bimonthly and monthly. The repayment lapsed two months during an emergency leave of XXXX XXXX the state the account was created, and into XXXX. With one year of repayment and borrowing, their calculations still seem inconsistent with fixed rates and fees with no explanation and the balance not reflecting payment nor fees I read in the communications with the company. They were helpful in time I needed cash fast, but the understanding is different, and those three types of crediting laws are ambiguously not differentiated in the company word usage. I think an other reason, such as additional unnecessary information was gathered, for the inconsistency was present.
10/05/2016	No	Payday loan	Can't stop charges to bank account	VA 23505	Web
Second complaint I applied for a mobiloan loan in XXXX XXXX and received my first statement on XXXX/XXXX/XXXX. With an approval of {$1200.00}. Mobiloans hides behind the false claims that this is a revolving line of credit however my payments averaged {$160.00} to {$150.00} dollar every 2 weeks. I am being charge along with my payment a cash advance fee averaging {$75.00} every 2 weeks because the account has a balance. Mobiloan loans only applies an average of {$45.00} towards the principle. The loan limit was never increase however just like anyonline cash advance loans you can borrow up to the balance of {$1200.00} when you make your XXXX week payments. Mobiloans gets awaywith not posting a high interest rate by camoflaging it with a finance charge of {$73.00} to {$75.00} every 2 weeks. Technically this interest rate hidden as a finance charge is over 90 % After a year XXXX XXXX Mobiloans will not allow you to borrow towards your XXXX limit until the balance is paid in full however they continue to charge the finance as a fake high interest rate every XXXX weeks that will never allow me to get out of this fake line of credit account. Mobiloans does not give a statement to reflect past payments applied to principle and amounts of finance charges instead they provide XXXX statement a month for any transactions or charges that month no yeat end statement in order to camofloug claiming this is a line of credit. If it is like a credit card the annial percentage is about XXXX to 28 % and the most finance charge is around {$30.00} a month based on thr {$1200.00} instead ot is just like a pay day cash advance {$320.00} fees towards a {$1200.00} cash limit. I have paid an average of {$3200.00} for this loan. When I had a balance around {$550.00} it was added to this loan the most {$1700.00} average total in loans. The payments I made was paid twice and still have a {$1700.00} balance and at thay time I would have paid over {$5000.00} for {$1700.00} in loans this is legal loan sharking and predatory loan practicing under the umbrella of a line of credit this is a loan from the United States not overseas predatory lending should be banned i. The XXXX
11/17/2020	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TN 37128	Web
Originally the loan was for Mobiloans.com, but it was removed due to a class action lawsuit. The fraudulent loans were reportedly issued by one bank, the XXXX XXXX XXXX XXXX, and three companies owned by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and MobiLoans LLC. XXXX XXXX XXXX and XXXX XXXX XXXX allegedly provided services to the XXXX XXXX XXXX XXXX and the tribal companies. Several other companies, referred to as XXXX, acted as investors for the loan scheme. All of the involved companies have denied wrongdoing and maintain that their installment loans and cash advances on lines of credit were all legal under tribal laws. However, the defendants have agreed to establish a settlement that will resolve the claims against them. Consumers are eligible for the settlement if they obtained any of the following : Loan ( s ) from XXXX XXXX before XX/XX/XXXX ; Loan ( s ) from XXXX XXXX XXXX ; Cash advance ( s ) on a line of credit from MobiLoans before XX/XX/XXXX ; or XXXX XXXX ( s ) from XXXX XXXX XXXX XXXX in Pennsylvania. The settlement will provide loan forgiveness for all covered loans. Class Members may also be eligible for a cash payment under the settlement. My loan was in year XXXX and qualified as one of the loans to be forgiven. The creditors removed the loan from my file, and I thought that was the end of it. But a collection company called. XXXX XXXX XXXX ph : XXXX, XXXX has been calling both my phone numbers many time 's, saying I owe {$1200.00} which is false. I told them this loan was removed due to the information above and I requested XXXX from XXXX XXXX XXXX to stop all contact with me. They still continue to call multiple times a day and night. Recieved call on XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX at XXXX, XXXX. I also have a recorded conversation from XXXX, and informed them I was recording. I told them about the lawsuit, and my loan was forgiven under the lawsuit, and removed from my credit report since XXXX, they now are trying to force me to pay a loan I don't owe, and refuse to stop contacting me even after I told them multiple times. Their website is XXXX : XXXX
02/18/2022	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	OH 45662	Web
I was called on XX/XX/XXXX by a woman named XXXX XXXX, left a voicemail not identifying what agency she was working for talking about suing me and filing an order of location for me and saying she is calling my work and would attempt to locate me there. My employer called me after to notify me they received a similar message. I called the company back at the number listed and was transferred to the legal department for XXXX XXXX or XXXX XXXX XXXX. They mentioned a debt owed to a payday lender and after the call I checked they did not provide a legit date for when this became delinquent, saying XXXX, which is not accurate. They also never notified me of anything prelegal or within last 2 months stating the sent an email in XX/XX/XXXX, I did not receive any written notification. They call call proceeded poorly as the woman accused me of bank fraud and saying my case wouldnt be civil but criminal due to bad checks, I asked what would be required and stated I couldnt pay today even if I could I shouldnt as I was never notified. I proposed a settlement agreement and was placed on hold and she said my agreement would be fine if I paid today via phone for the 1st amount, I told her I couldnt pay until XXXX and offered 1 time good faith payment of lesser amount today, she declined and became very agitated raising her voice and telling me to borrow money from family to pay today or I would be served at work. I stated that wouldnt be necessary for a civil money claim and she continued to speak about criminal charges regarding this payday loan debt. Ultimately the agent hung up on me and would not accept my offer for lesser payment today. I called the payday loan company afterwards who verified they sold the debt to XXXX and that unfortunately I could not pay them directly. The collection agency rep said it was too late to request notification in writing now, although I told her I never was notified. I attempted to email after this call and am awaiting response.
05/23/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95501	Web
I am a paid member of XXXX, XXXX, and XXXX and was able to screenshot multiple inaccuracies on my 3 credit reports of several negative items that do not match one another in listed balance, dates of alleged late payments, and/or authorization. I am challenging these negative items appearing on my XXXX report, I want them removed from my credit reports immediately. I have disputed thought the 3 bureaus and 2 have not listed the items as under investigation in over 30 days, violating the Credit Repair Act. I am not able to secure housing for my wife and kids during COVID as a result of these negative items appearing in a credit check for any home rental company 's applications. Please help us. 1. XXXX XXXX Acct - Dates do not match XXXX, Unauthorized, Company in class action lawsuits for illegal activity. 2. XXXX XXXX - Dates do Not match XXXX, Company in Class Action Lawsuits for illegal activity. 3. XXXX XXXX XXXX XXXX - Dates do not match XXXX, balance incorrect 4. XXXX XXXX XXXX XXXX - Dates Do not match XXXX, balance incorrect 5. XXXX XXXX XXXX XXXX - Dates do not match XXXX, balance incorrect 6. XXXX XXXX XXXX XXXX - does match XXXX XXXX, unauthorized, unknown. 7. XXXX XXXX - Insufficient information, does match XXXXXXXX XXXX XXXX XXXX unauthorized, unknown 8.XXXX Mobiloans XXXX Original Creditor Not listed, Terms Not listed, No payments have been reported on this account, Highest balance significantly exceeds credit limit. Unauthorized, Class Action Lawsuits for company-recent Settlements of {$860.00} million for illegal activity. Hard Inquiries XXXX : XXXX XXXX XXXXXX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX Hard Inquiries XXXX : XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXXXX/XX/21 XXXX : XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XXXXXX/XX/21 IXXXX XXXX XXXX XXXX XXXXXX/XX/21
05/01/2017	No	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TX 758XX	Web
during the XXXX XXXX of XXXX 2017 , I requested that my banking account information be updated so that i could use an additional account to make payments on my loan. I was not given the opportunity to do so, I received no response offering to help update my account information or providing me the option to do so. during XXXX 2017 , I called and requested that I be given an update on my account and was placed on hold for an extended period of time. I contacted mobiloans again during XXXX 2017 and after discussing the status of my account and learning of the additional charges being added I was offered a settlement amount. I verbally accepted the offer extended and was told that the agreement would be in place and the amount owed would be the agreed offer. As part of the offer I was asked to agree to a payment to be taken as " good faith '' I was told that it would be applied to the new settlement amount and would cease any previous ach payments.To confirm the agreement, I asked that I be delivered a copy of the terms and conditions of the settlement offer as proof of the agreement via email or physical mail. I was told that they would not do that and that I could expect information by the following close of business. The following day I was charged XXXX payments instead of the XXXX payment as agreed and was never given the terms and conditions of the settlement offer. I contacted them again and still did not receive the information requested. furthermore during this time I was unable to make payments on the account online. As a result of these actions and behaviors on behalf of Mobiloans, I consider this to be a breach of contract for violating the terms and conditions of the settlement agreement o ffered to me and for not allowing me to pay my account balance to avoid additional fees and charges.
05/09/2023	No	Payday loan, title loan, or personal loan Installment loan	Getting the loan	KY 40160	Web
I applied for an online installment loan. Was approved for up to {$1500.00} so it asks how much I pick {$1500.00}. Just trying to find out what my monthly payment would be what my interest rate would be and click continue without showing me any of that information it automatically tells me that the money has been funded still no information on monthly payment or interest. I'm immediately on XX/XX/XXXX right after it said it was funded I immediately contacted them telling them that I was not interested that I was just trying to get my quote for my interest rate and monthly payments. And now they charge me {$170.00} twice a month when I can't afford twice a month payment I'm on XXXX which is noted on the application the interest rate is astronomical but I still don't even know what it is because they never sent me that information or gave me an opportunity to review it.. I think they should have to lower my interest rate to what my States legal limit is because like I said I don't know what rate they gave me but it is astronomically High and should be illegal especially to not disclose it to somebody before they submit because even when I did click an area that might tell me what it would be it only gave me examples not what mine specifically would be. I think they should have to knock my interest rate down to at least 26 % that my state would allow. And also make my payments once a month instead of twice a month. They should also have to stop reporting it to my credit report because I did not agree on this loan overall they should just completely wipe the loan out because I never agreed on their terms they never showed me the terms I have a copy of their email responding to me that it had all been canceled and that I would not be charged anything I have that email
11/13/2015	No	Debt collection Payday loan	Communication tactics Used obscene/profane/abusive language	TX 750XX	Web
To ( XXXX ) XXXX XXXXXXXXXXXX XXXX/XXXX/2015 at XXXX XXXXThank you for your patience and assistance. Per supervisor XXXX in account services, the XXXX executive I spoke with hung up on the customer after she provided XXXX different telephone numbers twice ; the Mobiloans male executive violated FDCPA and FTC protection rights of one of Mobiloans ' loyal customers. The previous email is a foward from Mobiloans customer service department including the voided check the supervisor asked the customer today at XXXX XXXX central time to resend to the Mobiloans account services department for account number XXXX regarding the new banking information being submitted on XXXX XXXX, 2015. Per supervisor XXXX the system has not updated the checking account information via voided check and authorization form sent from XXXX XXXX, 2015 - XXXX XXXX, 2015. Per supervisor the system was unable to take payments customer scheduled and that the system deleted both payments set up online for XXXX/XXXX/15 and XXXX/XXXX/15 due to this system error. Per supervisor any and all late fees will be removed due to this issue and the phone collection calls being a result of a system error. Per supervisor any delay of the update of the new bank account information sent in beginning XXXX XXXX, 2015 to XXXX XXXX, 2015 will be corrected in the system for account number XXXX within 24-48 hours per recording. The customer will be scheduled to pay only the minimum balance on the next due date of XXXX/XXXX/2015 per current online account. Per supervisor XXXX, customer support will be contacted to recorrect point system to show customer as an on time paying customer and restore stolen loyal customer discount credits voided during company system error. Thank youAccount Number XXXX
04/01/2015	No	Payday loan	Received a loan I didn't apply for	CT 06705	Web
I recently received a statement from a collection company ( XXXX XXXX XXXX ), attempting to collect on an {$800.00} outstanding loan, on behalf of a company called " Mobiloans ''. Knowing that I have never applied, nor received any funds from such company, I called Account Discovery System and spoke with account manager " XXXX XXXX '' to discuss the matter. After discussing with him the details of the situation and letting him know that I have never established any lending relationship with " Mobiloans '' ; finding it extremely suspicious that I have never even received any statements or attempts from the company itself, trying to collect on the " supposed loan '' and that it was sent straight to collections. Without any regards to me discussing this " non-existing '' loan, he attempted to try to settle this {$800.00} balance, for {$500.00} if I 'd pay right away. At this point I was not even aware for whom this collections company was trying to collect ; therefore I asked him for the name and details of the company, so I can attempt to gather all the facts. He provided the company name " Mobiloans '' with the corresponding account number and contact number. After speaking to a " Mobiloan '' representative about the situation, she was " NOT '' able to find any account information relating to any loan taken under my name, social security number, telephone, address ; stating very clearly that " Mobiloans '' has " never '' established any accounts with me. The representative that helped me, was the very same one that suggested and directed me on where and how to place a fraud complaint. " XXXX XXXX XXXX '' is ignoring what I have stated, insisting on " settling '' this " non-existing '' loan for a lower amount.
10/15/2016	No	Consumer Loan Installment loan	Problems when you are unable to pay	CA 91942	Web	Older American
I requested and got approved for a {$600.00} loan from a company called Mobiloans. I told them I got paid once a month and they said that would be ok and would take out payments on the XXXX of each month. Now they want me to make XXXX payments a month. I can not do this. I called them and they said all customers were required to make XXXX payments ( minimum payments ) every month. When I tried to log in to mu account I could not because my login information was not correct. I requested a link to change my password and did not receive an email with a link for the password change. This happened 3 times in a 45 m, inute period. I called the customer service number and the representative said that I could change my payment options, but had to do this 4 days before payment was due. This is 2 days before payment is due on the XXXX of XXXX Payment has already been submitted to my bank which will not go through because I have no money in my account. I will also get charged bank fees for the returned payment and overdraft fees. I then read consumer complaints about Mobiloans, and I only wished I had done this before I trusted this company. I was in a financial bind and just took their loan. I am going to see if my bank can do anything about this, but I do n't know. Other information that was not made clear to me was that my minimum payment only covered their fee and would not go towards my loan unless I made more than the minimum payment. I can not do this and so will probably be paying this company forever, unless I suddenly win a lot of money which is not likely because the extent of my gambling is to enter the XXXX. I am XXXX and on a very low fixed income and can not work due to XXXX.
01/11/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL XXXXX	Web
TIME OUT!!! WAIT A MINUTE!!! This is my XXXX attempt at respectfully trying to achieve a lawful resolution to my situation. I've asked on XXXX occasions to have an investigation of an item that is reporting inaccurately on my credit report removed. My complaint was closed ( XXXX ) as the company MOBILOANS , LLC is using a stall tactic claiming that I am using a XXXX party to submit this request and that additional authorization is needed. I am reopening my case offering my statement as proof that no such XXXX party exists in submitting my dispute. I've recently received notification from this credit reporting agency that the inaccurate information on my consumer report continues to report as being verified. There is NO WAY that this can be true. I am invoking my rights per the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D for the credit reporting agencies to PROVE that they have actually DONE an investigation and not just submitted a response per a computer-generated document. These erroneous entries are detrimental to my overall credit rating and have caused me severe financial and emotional distress. This complaint is not being submitted through a XXXX party and by NO MEANS are there any additional authorizations needed for my inquiries to be addressed. I immediately demand that the entry that I have disputed be permanently deleted from my consumer report as it is reporting incorrectly. Should MOBILOANS , LLC refuse to do so, I will have no choice but to continue invoking my rights under the Fair Credit Reporting Act, Section 616, to pursue legal action to make me whole.
07/31/2017	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92113	Web
I have a loan with Mobiloans LLC which I have given 16 bi-weekly payments totaling {$2100.00}. It recently came to my attention that Mobiloans LLC is owned by the XXXX XXXX XXXX of Louisiana and it does not have a license with my state, the state of California, so my loan is illegal and void. I sent them a letter explaining this issue and told them I would pay only the principal balance and not the fees. Adding all my payments together I have overpaid my original loan of {$1000.00} I took out in XX/XX/XXXX plus the the additional loans of {$600.00} in XX/XX/XXXX, {$200.00} in XX/XX/XXXX and {$200.00} in XX/XX/XXXX. In the letter I stated the overpayment, asked to have acknowledgement that my loan is paid in full and my account updated to reflect this and then closed. I also asked for a refund of my overpayment and told them of my revocation of ACH authorization as well as no contact by phone to my home, cell phone, or employment, or my references for the loan. They responded with generic responses and then said Mobiloans LLC ownership by the XXXX XXXX XXXX of Louisiana is governed federally and does not need a license to operate in any given state and that I still have a balance of {$1400.00} which I need to pay. With the outrageous fees that they charge and every payment I have made, I want them to consider my loan satisfied in full because my loan with them is illegal and void and I will only pay the principal which I have. My last payment to them was on XX/XX/XXXX for {$120.00}. For example, for this last payment of {$120.00} only {$35.00} goes towards the principal the rest is all fees.
10/06/2021	No	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	WA XXXXX	Web
On XX/XX/XXXX I granted MOBILOANS the right to provide me an extension of my credit from my open-end consumer credit plan pursuant to 15 USC 1602 ( j ). However MOBILOANS furnished deceptive forms to deceive me into believing they provided me credit on their behalf. It is a fact, I am the original creditor and MOBILOANS has been fraudulently collecting payment from me in regards to the extension of this credit as well as other charges and fees. MOBILOANS also frequently computed " finance charges ''. I have disputed this account from my XXXX consumer report on multiple occasions because I never gave XXXX or MOBILOANS direct consent to furnish this information. No direct consent is identity theft! On XX/XX/XXXX I served MOBILOANS with a cease and desist and requested that they provide me with the valid documentary evidence for verification of the alleged debt they are attempting to collect. I received a vague response from MOBILOANS stating that the Fair Debt Collection Practices Act does not apply to MOBILOANS - see Exhibit A. I am demanding that they provide the law that exempts them from following federal law. The documents provided to me by MOBILOANS clearly states TRUTH IN LENDING DISCLOSURES- so MOBILOANS is willfully and knowingly committing fraud because this information is public and they are governed by these regulations! They have also been harassing me by communicating indirectly to XXXX and publishing information that is harmful and defamation of my character! It is a fact, MOBILOANS has committed fraud and continues to violate my rights as a consumer.
04/18/2019	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 90813	Web
So in XXXX to late XXXX of 2017 I received a mail notice pretty much saying i qualified for loan through this mobiloans website. I live in California and was going through financial issues so I figured that this would help relieve some of the burden of expenses that kept building. So I applied for loan and was given credit line of XXXX I believe, and every two weeks they would deduct money out my account to go towards what i loaned. However what I didn't really pay attention to was the amount of fees that my payments were going to rather than the amount that I borrowed. Every two weeks I make payments because it comes out of my account automatically and I borrow here and there but after doing the math of how much I have borrowed ( XXXX over time XXXX ) and how much I have already paid back ( XXXX ) I have paid back over XXXX in just fees which is a complete scam. I still have a balance of XXXX but current principal balance of XXXX ( which is amount of money i actually owe ) but with the fees they tack on every two weeks 60-80 % of my payment goes towards fee and the remainder towards the actual principal balance. I have been paying this balance down ever since I pulled but this is getting ridiculous and probably is illegal to tack on fees every two weeks that a payment is made. I am not really sure what to do in order to resolve this but this is definitely a setup to pretty much never be able to pay off the amount of money borrowed and if I'm not mistaken I believe its illegal to charge over certain amount of fees when issuing payday loans which is what I have.
10/16/2022	No	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33178	Web
On Thursday XX/XX/2022 my wife received a phone call stating that I was being served an order of location at my residence and I would need to contact XXXX for information regarding a file number XXXX. The same day, my mother was also contacted and was told that I was being located for a legal matter and they advised that they were attorneys. When I contacted the number I was told that I was being sued for defrauding the bank and breach of a contract. When I asked for additional information and a letter of validation for the debt they were reffering to they advised that they were not required to send me anything ans if I did not comply today they would continue their filing with the courts and would send an order of location out for me to my residence. The compmany would not even provide me with their full name and where I had called, the representative continued to raise their voice and demand payment immediately or I would be located. When I asked for written documentation of a payment plan or payment arrangement information I was told that they were not required to provide me with anything until I satisfied the debt they claim. This company calls my family members everyday and intimidates them and tells them they are attorneys and that I have legal troubles and that they are sending an order of location. They also will not provide me with any validation, validation in the mail, or answers to my questions, they just demand payment and threaten me. The agent threatened to take me to court and that I would be liable for all of the court costs.
06/25/2019	No	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	IL 604XX	Web
List of phone calls .... Mobile Loans Was told on XX/XX/19 to not pay and then they will offer settlement Missed Call XX/XX/19-XXXX Missed Call XX/XX/19-XXXX Answered Call XX/XX/19-XXXX Missed Call XX/XX/19-XXXX Answered CallXX/XX/19-XXXX I told them I could not afford to pay them and told them I'm sorry Missed Call XX/XX/2019-XXXX XXXX Sent an email stating I will only want one call a day. XX/XX/19 Missed Calls XX/XX/19 XXXX and XXXX Answered Call XX/XX/19 XXXX XXXX Told them I could not make a payment and asked for settlement Missed Call XX/XX/19 XXXX Missed Call XX/XX/19 XXXX Missed Call XX/XX/19 XXXX Answered Call XX/XX/19 XXXX Told them I could not make a payment and asked for settlement. Explained that my other bills come first. Missed Call XX/XX/19 XXXX Missed Call XX/XX/19 XXXX Missed Call XX/XX/19 XXXX Missed Calls XX/XX/19 XXXX, XXXX Sent a second email stating I will only want one call a day. XX/XX/19 Answered Call XX/XX/19-XXXX XXXX I told them to escalate it to a manger that might be willing to come up with a settlement. Missed Calls XX/XX/19XXXX Missed Calls XX/XX/19 XXXX Missed Calls XX/XX/19 XXXX, XXXX Called Them XX/XX/19XXXX I told them to escalate it to a manger that might be willing to come up with a settlement. Here is the list of phone calls I received and I have asked for only one phone call a day on XX/XX/XXXX. They said since they are not a third party debt collector the FDCPA does not apply to them. I would like a settlement before it is sold. But they are breaking the law as far as I know.
07/27/2022	No	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	CA XXXXX	Web
I have requested several time to refinance as well as seek help for paying off the loans. The provider stated that they do not off any refinancing or assistance. I have attempted to reach the Customer Service multiple times since financing the loans and it is multiple hours wait and when I email, they are unwilling to answer any questions ( despite advertising being able to solve issues via email on their phone line and website ). On XX/XX/XXXX, I emailed regarding concerns and there was no action or response from the company. Additionally, I have no access to my contract that I signed and payment schedule and do not have access on line. I attempted to reach them by email on XX/XX/XXXX to obtain the documents but was told to call the customer service. I was unable to get a hold of any one on the phone due to the extended wait time. When I was finally able to get a hold of a representative on XX/XX/XXXX. I was told I was not able to receive any statements or payment arrangement because they do not provide those to lenders. Additionally, I was directed back to my online account which has no information regarding my contract or statements available other than a payment history with no additional information. I was told there is a " Terms of Service '' that " counts '' as a contract. Here is the information of the Terms and Conditions with nothing specific regarding my loan with the company. XXXX XXXX XXXX I have also attached a screenshot of the attempt to view my statement where it does not show any information.
05/09/2018	No	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IN 467XX	Web
On XX/XX/2018 during the early evening I called by a XXXX who left a voicemail. He stated that he was XXXX from XXXX and that he was attempting to locate me. Did NOT mention this involved a debt. he went on to say that I had until the next morning to call him at his direct number for they would contact my employer and family members to try to locate me ... obviously not something I want, that's embarrassing and that makes me look bad. I called XXXX direct line that he provided in the voicemail and I requested something validating the debt. He point-blank refused to do so, telling me he had no obligation to do so, claiming that I had received documents in the mail and said that they had sent plenty of emails to me in which they had read receipts of ( which I NEVER received ). I had told him that I did not receive emails and he kept arguing with me and started to raise his voice. He told me that I was going to get my wages garnished at one point.He was literally yelling at me by the time I requested a supervisor, in turn making a snide comment. I have unfortunately fallen on hard times, and have had dealings with debt collectors before ... before good night, I have never had anyone threaten me or yell at me like XXXX did. The supervisor was more concerned about me paying the debt rather than his employee.l good night, I have never had anyone threaten me or yell at me like XXXX did. The supervisor was more concerned about me paying the debt rather than his employee. I will be reporting this to the FTC as well.
10/08/2020	No	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	KY 426XX	Web
I have never been late, aside from postponing payments but theyve always been made. I recently contacted customer service and their COVID department and explained that I have XXXX XXXX was recently exposed to XXXX. They asked me to provide the last check stub Id receive while in quarantine because I wont be working for awhile. I told them on a Tuesday XXXX XX/XX/XXXX ) I would have that on Friday XXXX XX/XX/XXXX ). They advised me I would still be receiving calls that Im delinquent which was fine but when the representatives would call they would refuse to tell me where they were calling from. Again, annoying but fine. Today I call back and I am advised that even though Im reaching out for assistance and help to postpone my payments and protect my credit with the last {$500.00} Ill have for 2-4 weeks, the representative told me I will still be required to submit a payment, as well as, if not, Ill still be reported as delinquent. So here I am trying to keep my credit decent, feed my family, and survive the quarantine on {$500.00} with 3 children, and Mobiloans is just concerned about getting more money from me. Theyve collected so much in fees from me since I became a customer XXXX poor choice on my part XXXX that my car could probably be half way paid off ; a total amount of fees charged in 2020 is {$2300.00}. If it were me just taking a month vacation for fun, that would be different. I didnt choose XXXX quarantine. No one did. Mobiloans feeds on the innocence of struggling individuals with no remorse.
04/11/2018	No	Payday loan, title loan, or personal loan Installment loan	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	MI 48326	Web
I applied for a loan through Mobiloans to help improve my credit score by making regular payments. I was approved and made every payment on time and paid in full successfully. I noticed that they had not reported any information to XXXX or XXXX. I called Mobiloans customer support on XX/XX/XXXX to inquire about why it has not been reported to all three agencies and also to ask them to report it. They told me that I would have to send them an email with the request to XXXX - I sent the email request on XX/XX/2018. In the email I clearly stated that I would like my loan account and all payment information reported to all three credit bureau 's ( XXXX, XXXX & XXXX ). I also indicated my name, email address, phone number and my loan account number. I never received a response indicating that they had received the email or if they were investigating my request. I called mobiloans customer support line again on XX/XX/XXXX to inquire about my request and to ask why I still have not had a response. They told me to send the request again and also copy the support email box and they would make sure the information was going through and the request was being handled. On XX/XX/XXXX I forwarded my original email and also included additional information and sent it to XXXX and XXXX. As of today, XX/XX/XXXX I have still not had any response from Mobiloans. They have not acknowledged that they have received my email requests and they have not made any attempt to contact me with any information regarding my request
11/16/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 894XX	Web
On or around XX/XX/2021 I took out a loan with Mobiloans in the amount of {$1800.00}. I was making regular payments until XX/XX/2021 when I made a payment in the amount of {$1700.00}. I had two " fixed finance charges '' still left to pay at this time. On or about XX/XX/2021 I got an alert from XXXX XXXX that my credit score had gone down due to a 30 Day delinquent payment from Mobiloans. On XXXX XXXX I received an email from Mobiloans informing me that I am not 30 days late, I am only 24 days late ( attached hereto ) at the time of the reporting I would have only been 12 days past due, yet they still reported to both XXXX and XXXX that I was 30 Days or more delinquent. It should be noted that you can not make ANY payments on their website if you are more than 1 day late, calling them gets you put on hold for an indefinite amount of time, and emailing them gets you an automated response telling you they believe they have resolved the issue. I have been calling and emailing since Early XXXX trying to get my account figured out and they refuse to communicate and do things like report you to the CB 's. When you do get someone on the phone or by email, they tell you they " can't help you because it's only been x amount of days '' the second time I reached out I was only 9 days past due and they refused to assist me. I can't attach the emails I sent because they are all done through their website and you don't get copies of those. This is not the first time they have screwed up with my account.
10/20/2021	No	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 94606	Web
I received a voicemail from ( XXXX ) XXXX " This is XXXX XXXX contacting you in regards to your claim being filed through XXXX county by law have to make you aware that want your claim number as the XXXXXX is file through the county it does become a matter of public record and there is an order for your location since I wasn't able to reach you by phone I have been instructed to contact your employer because it looks like that is going to be your likely place of lactation the store you do have the legal right to contact the office that is processing your claim however you would need to speak to them before your claim is filed once your claim is discharge from their office all of your legal rights will be forfeited the number that will be provided for that office is XXXX again that phone number is XXXX You XXXX legally notified by telephone and you will be located unless I a.m. instructed otherwise I called the number back at XXXX XXXX XXXX claiming to be a " XXXX XXXX XXXX '' They repeated over and over that they are only a third party notifier about legal proceedings. I then informed them that legal proceedings always have paperwork and that I never received paperwork from this " debt collector '' nor this I allow for them to call relatives and harass them. I asked for a website or a business name that I could look up and then the person on the line got rude and did not want to answer any more of my questions. I hung up and got on the FTC website ASAP and filed a claim.
10/16/2022	No	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33178	Web
On Thursday XX/XX/2022 my wife received a phone call stating that I was being served an order of location at my residence and I would need to contact XXXX for information regarding a file number XXXX. The same day, my mother was also contacted and was told that I was being located for a legal matter and they advised that they were attorneys. When I contacted the number I was told that I was being sued for defrauding the bank and breach of a contract. When I asked for additional information and a letter of validation for the debt they were reffering to they advised that they were not required to send me anything ans if I did not comply today they would continue their filing with the courts and would send an order of location out for me to my residence. The compmany would not even provide me with their full name and where I had called, the representative continued to raise their voice and demand payment immediately or I would be located. When I asked for written documentation of a payment plan or payment arrangement information I was told that they were not required to provide me with anything until I satisfied the debt they claim. This company calls my family members everyday and intimidates them and tells them they are attorneys and that I have legal troubles and that they are sending an order of location. They also will not provide me with any validation, validation in the mail, or answers to my questions, they just demand payment and threaten me.
08/24/2018	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	FL 32808	Web
I have been with Mobiloans for 4 years and through their reward program, I earned the status of Diamond. Diamond status would allow me to receive an 80 % discount on fees. As of XX/XX/2018 the fee discount will be reduced from 80 % to 65 %. My fees were {$22.00} every two weeks and now they are {$38.00} ( an increase of {$16.00} ). I called Mobiloans on XX/XX/18 and inquired about the increase that I noticed on the website. She advised me that everyone has to pay the increase. I called again today, XX/XX/18 because the fees are too high and will take me longer to pay off the loan. The first representative tried to tell me that there was an opt-in or an opt-out and the time has passed to select either. I told the representative that I had no knowledge of an option at all. And at no time did the representative advise me that their was an opt-in or opt-out from the XX/XX/18 call. I asked to speak with the Supervisor and I was connected to XXXX. She told me that she would review the call from XX/XX/18. XXXX advised me that they will not be able to change the opt-in or opt-out since I didn't give the representative at the time my choice. I reiterated to XXXX that I was never given a choice and I believe this to be deceitful and I plan to file a complaint with the CFPB. She then advised me that she would send it over to her legal department. I never received an email regarding the increase either. Nor did the website advise of an opt-in or opt-out.
10/01/2015	No	Credit reporting	Incorrect information on credit report Information is not mine	CA 91007	Web
Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by MOBILOANS LLC , XXXX XXXX XXXX, XXXX , XXXX XXXX on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, XXXX, may be compromising my identity. During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. Any internet inquiries into my credit, if any, were unauthorized by me. Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
05/10/2019	No	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	DE 19805	Web
The mobiloans website will not allow you to make additional payments. Its set up fraudulently to make it appear as if you can but is actually an endless loop of not being able to choose a date for your intended payment even choosing right now is not an option. I have screen shots of this payment processing inability for several attempts for weeks leading up to my due date of XX/XX/2019 in order to save from additional fees my intention was to apply a larger pymt so that my loan balance would reach a lower tier so i could possibly catch up and pay off this loan without the almost 500 % interest rate. For weeks when i attempt to access the website via my cell or computer the website conveniently has maintenance so you can not schedule or make payments or their is system issues or even when u call their ivr system doesn't prompt or ask if you want to make a pymt only prompts are directed and clear when it comes to extending this line of credit that will surely be your livelihoods demise as it will take your everything you have left unguarded. When i called i was given vague answers that did not allow me to full fill my intention of paying off this absurd loan. This type of predatory lending i thought my government was protecting me from is still alive and well and profiting off the backs of us lower income hourly tax paying workers. Shame on this company and shame on the government that allows it to operate freely.
03/11/2022	No	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	CA 92130	Web
XXXX loaned a fixed sum of {$900.00} on XX/XX/XXXX and was paid back in full with interest. One of the payments made on XX/XX/XXXX for {$110.00} failed to process due to an unknown and unexplained error by mobiloans.com. I notified Mobiloans on XX/XX/XXXX that this payment was not deducted even though the payment was properly reflected on my account balance statement. This loan was subsequently paid in full. Several months later, on XX/XX/XXXX, Mobilloans sent this email. Dear [ XXXX ], Please note, this email is for information purposes only and no action is required on your behalf. Our records indicate that the payment reflected on your Mobiloans account for XX/XX/XXXX was not actually processed by your bank. We will add this unprocessed payment amount to your principal and overall balance. These new balances will be reflected immediately in your account. You will have XXXX billing cycles to make up this payment. If you have any questions, please contact Customer Support at XXXX Sincerely, The Mobiloans Team On XX/XX/XXXX, I checked the online balance and it was higher than this {$110.00} payment. This unknown line item charge was added without my knowledge or any notiifcation XXXX on XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX FFC at 10 % Off {$9.00} {$36.00} {$120.00} Due to their error, XXXX is now requiring an automatically payment in the amount of {$120.00} from my bank account. This is fraud.
04/13/2022	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	TX 76001	Web	Servicemember
XX/XX/2022 I contacted via Certified Mail Mobiloans llc. about an inquiry on my credit report that I did not authorize and informed them of the FCRA violation 15 USC 1681b ( a ) 3 ( f ) ( i ) and let them know that I do not have an account as defined at 15 USC 1693a ( 2 ) for review or collection. And I proceeded to inform them of more USC violations as well as civil liability damages of {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 USC 1681n ]. I informed them that they have ten calendar days to settle or I would see actual damages which are greater than the amount. They responded stating that they are unable to pay and refused to do so, as well as remove the inquiry. I responded with yet another letter filed XX/XX/2022 repeating my offer and informing them yet again of their willfulness to settle and furnish inaccurate information on my credit report citing civil liability for willful noncompliance 15 USC 1681n, 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer and USC 1681q obtaining information under false pretenses. I received no response. All correspondence is attached to this complaint. and I am ready to proceed both legal counsel to seek further damages if they do not remove this inquiry, and abide by the law that they clearly are in violation of.
01/26/2022	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33771	Web
I received a phone call from XXXX XXXX on XX/XX/2022 stating that they were calling on behalf of a debt I owed to Mobiloans.com. The caller did not read the debt collector disclosure. He simply stated that his company is a mediator and they were calling to settle prior to pursuing civil action, or before it is attached to my social security number and damages my credit rating. When asked to have the debt validated via mail, the caller refused and stated they do not send letters and only email. I reached out to Mobiloans Account Services department and they stated that the debt was sold to XXXX XXXX XXXX and they provided a phone number of XXXX. I spoke with a rep at XXXX XXXX who stated that they have never heard of XXXX XXXX that I should not provide them with my financial information, and that my debt was sold to XXXX XXXX XXXX XXXX. She provided the phone number of XXXX. I have called XXXX multiple times, left 2 voicemails and have not gotten a response. This company has also never contacted me via mail or any other communications regarding this alleged debt. I called XXXX a second time asking for a validation to be mailed to me. They refused. I asked for their mailing address, to which they also refused. They claim they are located in XXXX, GA however they contacted me from a XXXX, FL number ( XXXX ) XXXX.
12/09/2023	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93704	Web
I am submitting this consumer complaint regarding an unauthorized payday loan entry, account # XXXX, that was illegally furnished by Mobiloans to XXXX XXXX XXXX In XX/XX/XXXX, I formally disputed this loan entry and requested verification from XXXX and the creditor Mobiloans. On XX/XX/XXXX, I received documentation from Mobiloans that purports to show a loan application filed by myself. However, the attached application lists my date of birth incorrectly as XX/XX/XXXX. Additionally, my social security number and drivers license number were obscured and listed as all XXXX XXXX I have never completed any application nor agreed to any such loan terms with Mobiloans. Regardless of the inaccurate information on this fabricated application, any payday loan issued to me as a California resident by Mobiloans, which operates under tribal law, constitutes an illegal contract. Mobiloans lacks the California state license required under Financial Code 23005 to legally issue the deferred deposit transaction. In summary, Mobiloans maintains invalid and inaccurate loan information furnished without my authorization on my consumer report. I request the CFPB take swift action to compel Mobiloans to permanently remove this unlawful debt information and rectify this harmful violation of fair credit reporting protections.
01/04/2017	No	Payday loan	Charged fees or interest I didn't expect	OK 74135	Web
I emailed Mobiloans on XXXX/XXXX/XXXX to close and settle the account. Mobiloans replied with a settlement amount of {$700.00}. I stated the settlement amount should not have any interest or fees added and I wanted to be reassured of that. I was never given the interest rates or fees or how much the payments would be applied to the balance. I have made a total of {$870.00} payments to Mobiloans and I still have an outstanding balance. Mobiloans responded to my email twice stating The issue you 've described in your email may be resolved more efficiently if we can speak with you. I stated in my original email that I would only respond by email. I have spoken to Mobiloans Customer Representatives before and they have given me misleading incorrect information. I stated in my original email to to have the ACH Revocation stopped to have them stop debiting money out of my account. I received a reminder from Mobiloans stating that I have auto pay and that they draft the minimum payment to be drafted on XXXX/XXXX/XXXX. Mobiloans stated in the email that they have stopped automatic payment drafts from my checking account as of XXXX/XXXX/XXXX. I am getting no where with this. I am submitting supporting documentation such as emails and payment history. Please HELP!
11/26/2020	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33162	Web
I was offered a {$1500.00}. Loan from Mobiloans that I accepted, however, a month before the entire loan was to be paid off. Mobiloans placed an additional {$500.00} on my account in XX/XX/2019 that I did not request. The {$500.00} made the loan to be {$2000.00}. Nonetheless, when I declined the additional {$500.00} and submitted a letter informing them that I did not request or need any more money, they placed it on my account anyways and therefore, this was without my permission. I have called the company several times and communicated with someone in customer services and I was informed that they had received my letters of complaint and someone was looking into it. Recently, I did a credit check and found out, Mobiloan place a mark on my credit report, stating that I owe them. They owe me with the high percentages rates and over charging for a few dollars. I paid the {$1500.00}. Owed to them, and I should not have a mark on my credit from this company. I did not or needed any more money, but they put it on my account as if I requested it and was debiting money from my account that I do not owe and now this company has made my credit bad. I want this company to resolve this issue and fix my credit report that they destroyed.
01/16/2019	No	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	FL XXXXX	Web
XX/XX/2018 I paid off my car loan. On XX/XX/XXXX, I created an account with XXXX XXXX to verify that it was showing paid in full. At that time I discovered that I had 3 accounts that I was unaware of on my credit report. Those accounts were : XXXX XXXX XXXX account # XXXX, XXXX XXXX # XXXX and Mobiloans # XXXX. Unfortunately, I havent checked on my credit in Years. At that time I contacted an Attorney via my XXXX XXXX to discuss the matter. He instructed me to report this to the Federal Trade Commission which is Federal Law Enforcement, to request my credit reports via the credit bureaus and to file a complaint with the CFPB. I made the Identity theft report via FTC and the report # is XXXX. In addition, I received my XXXX report in the mail yesterday. I am very confused as my credit report is showing that the above mentioned accounts were opened over a Year ago and in 2 of the cases it appears that payments were made at some point. I have never applied for a XXXX XXXX, or XXXX XXXX nor given anyone permission to apply for one on my behalf. I was an authorized user previously. I have never applied for a loan with Mobiloans. I have not had a need for a loan in that I make a very comfortable salary and have limited debt.
03/23/2018	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	FL 33321	Web
I applied for a loan from Mobiloans and requested for the funds on two occasions. On XXXX {$500.00}, and XXXX {$260.00}, loan total {$760.00}. My first payment was scheduled on XX/XX/ on my payday, which was a XXXX. I called Mobiloans on a XXXX afternoon ( XXXX ) to update my new bank account, which is the time that is required to make any changes before payments are taken out. When I called Mobiloans, the representative made a 3-way call with me and my bank, and confirmed my new account. The representative told me that the payments should be processed in the right account on the due date. Come XXXX, Mobiloans did not process the payment as a way to charge me more finance fees. On that same day, Mobiloans added another hefty finance fee in my account. Between XXXX to XXXX I was charged {$200.00} for fees on my {$760.00} loan. I called the lender on 4 occasions for them to explain the fees to me ; 1st as to why they did not process the payment ; 2nd why they charged extra fees on XX/XX/ whenthey never processed the payment. The explanation did not make sense and they were unwilling to solve the problem, even after I paid them {$750.00} on XX/XX/. All my attempts to get them to solve the problem have been unsuccessful.
12/24/2018	No	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	FL 32771	Web
I received emails stating on autopay and called to verify but not being drafted so showing late. I received emails XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating " remember that your account comes with AutoPay, so no action is required if you'd like to make the minimum payment ''. I called previously and verified with a rep would come out of checking automatically. Called today and was transferred to a total of 8 people. Each not allowing me to speak to a Supervisor and stating Sr Rep and no Sup. Las person stated I read email wrong after I forwarded to the previous Sr Reps. She then stated I had bad payment history which had nothing do with issue and so rude. I requested a sup but never got one. I need someone from corporate to assist. I already made the payment but still need issue addressed. I called XX/XX/XXXX and made the payment that I was told was being drafted. I got no where with the whole issue. Even after making the payment, I am still receiving illegal collections calls. I received an email confirmation payment was submitted but online it does not show I even made the payment. I email and asked why payment not showing or still getting collection calls and was not given an answer.
01/14/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	KY 425XX	Web
At XXXX XXXX. ET on XX/XX/2021 i received a call from XXXX XXXX XXXX XXXX. Stated he was from Mobil Loans and said I owe $ XXXX and we could take care of that with a debit card today. I informed him we filed bankruptcy last XXXX. He asked if they had been included and I told him yes. He said " let me look at our other system '' and then said yes, he saw that it was filed. Then he asked if it had been discharged and I told him not yet. On XX/XX/2021 at XXXX p.m. ET I received a call from the same number. Stated his name was XXXX from Mobil Loans and my balance is $ XXXX and I told him we filed. He then stated he was just following up where i said i had filed the bankruptcy. I told him yes we had filed and not to call me again or I would report them and I hung up. I have the call records saved to my phone. I was a collector for two years and I know when someone said they filed bankruptcy, regardless of whether they provided their attorney info, case number or not, it was " cease and desist '' and we stopped calling immediately. Why did they even call the first time when their " other system '' shows we had filed, and they had obviously been notified by my attorney or the court? I feel harassed!!!
11/09/2021	No	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	AL 35758	Web
On Tuesday XX/XX/2021 at XXXX from XXXX calling me regarding proceeding office said a complaint had been filed against me. I told her I was unaware of what she was talking about. A few minutes later my wife called me and said someone had called asking for our daughter ( XXXX XXXX XXXX said they had a complaint against her and then they ask for me ( XXXX XXXX ) to make the long story short this cause a a big family mess because my called my daughter which is in school got her very upset my wife was thinking she had to sneaked and took out a loan which was not the case. I then called the number XXXX gave them the # XXXX and spoke with a XXXX XXXX and asked him why was they calling asking for my daughter he told me that sometimes they will even reach out to neighbors and other family to reach a person this is a violation and he would not give me the address of the place he was calling from, he said he couldnt give out that information. Also he stated that this under the ( FDCPA ) can not threaten leal actions and at the end he said legal actions will be taken. This phone call was made on XX/XX/2021 at XXXX a.m. from XXXX. Please follow up with this and let me know the outcome thanks so much
12/21/2016	No	Debt collection Payday loan	Taking/threatening an illegal action Sued where didn't live/sign for debt	NJ 07036	Web
XXXX XXXX XXXX XXXX has repeatedly placed threatening phone calls to my cell phone and the phone of my XXXX father. These calls do not identify the agency as a debt collector, the message directly state " legal action is being taken against you, papers are being filed in a court of law, if you do not contact us ''. I returned a call on XXXX/XXXX/XXXX to see what company was calling leaving messages like this on my father 's phone ( he has XXXX trouble ). I spoke with a representative who had information on an old payday loan account ( over 8 years old ) that was verfied paid before I filed Chapter XXXX in XXXX. I asked the representative why they were calling me instead of the lawyer ( he stated I was being sued in XXXX I reside in XXXX ) and he began to become irate. I further advised him to contact directly and not my father, which turned into an argument. He stated it was ok, they will pursue. This practice of threatening consumers is unacceptable. The company stated they had an affidavit from my bank, but they had outdated contact information. The representative further claimed they sent court papers to an old address and email, but they had a current phone number.
11/02/2019	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 480XX	Web	Servicemember
XXXX XXXX XXXX of XXXX also known as Mobiloans , LLC has reported a closed charge off on my credit report for XXXX. I disputed this account several times and never get any debt validation or response from them about this account they are reporting negligently. I was threatened by a customer service rep and their compliance manager that they didnt care that I was military or a federal employee and that they would keep their illegally high interest rate loan appearing in my credit report in an effort to damage my credit report and that they didnt have to abide by federal or military laws because they are a tribal lender and they only obey their tribal laws. I researched to see how many other people have had this same problem with this tribe and come to find out they are restricted and not even licensed to loan or report in several states. They arent even allowed to do business with government or military personnel because they charge illegally outrageous loan rates. Please see the attached images of the class action lawsuit which includes Mobiloans , LLC XXXX XXXX XXXX for racketeering. Please see the consumer alert at the link below. XXXX XXXX XXXX-not-licensed-XXXX
03/04/2022	No	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 92108	Web
XXXX XXXX XXXX XXXX XXXX has repeatedly called my place of work, home and even my father and step mothers home. They told my step mother that I was getting ready to be sued for a debt and that they needed to tell them where I was. I finally got in touch with them, did not understand the debt, or remember the debt specifically. I asked them for proof of this debt and they stated they did not have to give this to me, because the name of the company seemed familiar and I was being threatened I agreed to be on a payment plan. I have made payments and have only 2 left and was unable to pay these last 2 due to COVID, these people are now calling my place of employment threatening me to call my boss, calling me and when I answer, this women keeps saying.. oh OK, just wanted to see if you were at work and then they hang up. I have told them DO NOT CALL THIS NUMBER AGAIN, it's my place of employment and it's a call center I can't receive these calls here. I am in California and I am told they must send me proof of any payments I have made within 30 days and I have NEVER received anything from them other than threatening calls. NOTHING BUT THREATS.
09/09/2019	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	CA 91709	Web
I had a emergency my mom passed I needed a loan to help with services and this company I borrowed {$1000.00},, XXXX every two weeks and what ever your balance they added a finance charge of XXXX every time you make a payment so you would be able to pay loan down and I didnt understand this process so on XX/XX/2019 I got laid off my job I ask this company can I please be placed in a payment plan because I dont have income and I dont want anything negative on me so I am asking to be place on a plan they said they dont have a plan and I have to make away and pay the note every two weeks or the finance fee will continue till you 60 days late and it will become a charge off and you will have a negative impact on your self I couldnt believe they wouldnt help the customer its not my fault that a company laid off the entire department, I am looking and going on interviews I am so stressed trying and hoping I get a job soon, I can not pay these people what they want! All I ask is for a payment plan and my other creditors offered me a payment plan and its so much better till I get back on my feet,, please help this is terrible.
12/08/2016	No	Payday loan	Charged fees or interest I didn't expect	FL XXXXX	Web
Mobiloan should not be allowed to conduct business in the United States. This company is a Predatory Payday Loan business where the consumer is charged over 150 % on a loan. For example, one borrows {$1500.00} and is charged an upfront fee of {$150.00} to do so and given XXXX weeks to pay in full prior to incurring an astronomical " fixed '' daily finance charges. Even though the company 's representatives ( XXXX, ext. XXXX, among others ) state that it 's a daily fixed rate they never give direct amounts. I have heard about predatory lenders like Mobiloans and tried it for myself and can not believe that the Consumer Financial Protection Bureau lets them get away with " ripping off '' consumers who need short term financial assistance. This is disgraceful and I hope that CFPB is not just a Government Agency to ignore this predatory behavior and will get to the bottom of this on behalf of consumers having financial difficulties and do not take the time to read the fine print. Mobiloans can make a profit but not over 150 % to the consumer. Mobiloans , LLC with a physical address of XXXX, LA XXXX.
07/25/2019	No	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 75150	Web
XXXX XXXX XXXX has repeatedly contacted my mother and brother about a debt they said I owe. They sent me a text on XX/XX/2019. I replied STOP. They then sent my brother the same text. I called the company at XXXX and tried to explain that I want them to cease and desist contacting me. I asked for the mailing address so I could send the information in writing and they refused to provide it, I was hung up on three times when asked. The agents will not give out anything but a generic name, no agent Id or last name. One woman told me okay I removed all your information and she would send me an email with what I was requesting. She then sent me an email telling me to opt-in and that I am consenting to receiving ongoing private and personal electronic information. I called the number on the email XXXX and spoke to someone named XXXX, he stated that he had removed all my numbers. I am not sure if that was the truth, he at first told me he didnt have an agent iD, then that he couldnt give out his last name, then he gave me an extension XXXX. Which doesnt mean anything, I called back to check.
02/20/2018	No	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web
I was contacted by XXXX XXXX XXXX, XXXX attempting to collect a payday loan debt on behalf of Mobiloans. I was told the amount I owed was {$8000.00} during the call the collector after only me saying yes to my name and date of birth which he gave out mentioned my employer, names of family members and complete social security number. I do not believe this debt is mine. I do not believe the loan was from a legally licensed lender in the State of Oklahoma and do not understand how such a collector has and is willing to give out my personal information. I have already disputed this information with XXXX XXXX XXXX, XXXX previously. I have requested the lender cease and desist all phone contact with myself, any assumed references and my employer. I have requested validation of the debt, calculation of the amounted owed which was stated as {$8000.00} and the license of the collector original lender validation of the collectors ownership of this presumed debt. I was also threatened with a lawsuit and when inquiring about the jurisdiction was not provided the information.
03/22/2020	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	FL 32221	Web
Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of {$1500.00}, and have had 10 bi-weekly withdrawals of approximately {$180.00} to {$130.00} debited from my account. This results in a principal balance of {$1400.00}. I am willing to repay the {$42.00} balance via credit card in 5 monthly installments of {$8.00} each on the last Friday of each month. At this time I am revoking ACH authorization. You are no longer authorized to withdraw payments from my checking account. I am also revoking any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. Please contact me to set up payment arrangements as outlined above.
11/02/2019	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 480XX	Web	Servicemember
XXXX XXXX XXXX of XXXX also known as Mobiloans , LLC has reported a closed charge off on my credit report for XXXX. I disputed this account several times and never get any debt validation or response from them about this account they are reporting negligently. I was threatened by a customer service rep and their compliance manager that they didnt care that I was military or a federal employee and that they would keep their illegally high interest rate loan appearing in my credit report in an effort to damage my credit report and that they didnt have to abide by federal or military laws because they are a tribal lender and they only obey their tribal laws. I researched to see how many other people have had this same problem with this tribe and come to find out they are restricted and not even licensed to loan or report in several states. They arent even allowed to do business with government or military personnel because they charge illegally outrageous loan rates. Please see the consumer alert at the link below. XXXX XXXX XXXX-not-licensed-XXXX
07/09/2019	No	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TX 75025	Web	Older American
On XX/XX/19, I received a notice in the mail from Mobiloans, claiming that I owed them money in the amount of {$1100.00}. The notice was dated as of XX/XX/XXXX and said I owed them {$100.00} due on XX/XX/19. I have never heard of this company and certainly have never borrowed money from them. I sent an email to their support email address : XXXX, advising them that I had never heard of them or taken out a loan with them. I requested that they correct their records or I would report them to the FTC. They replied I needed to complete an affidavit and have it notarized and sent back for them to investigate. I advised this them was outrageous and appeared to be a scam to get personal information from me such as my driver 's license, date of birth, social security number, etc. None of this passes the smell test. I checked with XXXX and found that Mobiloans has never made any inquiries about my credit. A legitimate company would not provide a loan or line of credit without first checking someone's credit! This stinks to high heaven. Please help.
03/09/2018	No	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 93458	Web
I signed up with this company and was misled as to the rates and fees that would be attached to this '' line of credit '', which effectively acts like a running payday loan with ridiculous fees. I have paid the principal amount of the loan ( {$480.00} ), and requested that the account be closed and considered paid in full. This was in an email sent on XX/XX/2018. The company insists that their practices are legal due to them operating on tribal grounds, and that California 's consumer protection laws are not applicable to them. This is in an email reply from them on XX/XX/XXXX. Their statement in the legality of the line of credit : " MobiLoans , LLC ( " MobiLoans '' ) is organized under the laws of the Tribe, is owned and operated by the Tribe, and operates exclusively on land owned by the Tribe. As such, MobiLoans is an " arm of the Tribe, '' and entitled to sovereign immunity and therefore not subject to any state laws. '' I'm not sure what else to do. Any help you can provide will be greatly appreciated. Thank you
09/28/2016	No	Consumer Loan Installment loan	Taking out the loan or lease	TX 77082	Web
I received a pre-approval letter from a company called mobiloans early in this month and accepted. I was asked to send in a voided check as well as an authorization form allowing them to make ACH transactions on my account. I sent all the info as requested and supposedly the information was updated as I got a confirmation email. So I requested funds on monday the XXXX of XXXX 2016 to give me enough time to receive it by the time I needed it ( XXXX XXXX 2016 ). They promise to have the funds in your account by the next business day but two days later ( today ) I hadnt recived the funds so I called their customer service line and recived the worst customer service ever! The people told me basically that the agent who made the update to my account did it wrong and because of this I had to wait till they received the money back before I could request it again pretty much leaving me to deal with my issues of not being able to handle my emergency in time which was the whole purpose of using the service to begin with.
08/07/2020	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 90604	Web
I took out a loan with mobiloans when I encountered some financial hardships. They present the loan as a line of credit but what was not made clear, and was very deceptive, is that the charge a very high fixed fee every two weeks, which means that out of your biweekly payment, only a few dollars actually goes towards your principal balance. Mobiloans also told me that there are no prepayment penalties, but when I tried to pay down some of the principal balance, they instead applied it to the following fixed fee scheduled. I emailed mobiloans and explained what happened, and that I want to make a payment toward the principal balance. The reply to my email was that I need to call customer service if I wanted to complete that action. When I called customer service, they said I can not do that because the fixed fees are fixed, and you have to pay them every two weeks. This is fraudulent and predatory practices and trap consumers into an endless cycle of fixed fees that equate to over 400 % interest rate.
02/24/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76049	Web
I was recently going over my XXXX credit report and I found some inaccuracies in their reporting. Here are the facts. Original Balance is incorrect. XXXX is reporting the Original balance as {$2400.00}. Original balance after interest and fees was {$2100.00} Monthly Payment is incorrect. Monthly payment varied from {$150.00} - {$170.00}. Status is not 30 Days late. I have documents showing every time a bill would be coming up Mobiloans LLC would send me a email copies attached stating that his account comes with AutoPay* so no action is required if youd like to make the minimum payment. Mobiloans LLC has set the standard letting me know to not worry that my account will be automatically drafted each month. My wife spoke to Mobiloans and they said that the account was taken off AutoPay on XX/XX/XXXX. I never requested this. Now it my credit report is showing a 30 day late even though this was now my fault. I have tried to remedy the situation to no avail I will be attaching documents
03/10/2017	No	Payday loan	Charged fees or interest I didn't expect	OK 738XX	Web
I requested a loan for {$1000.00} from mobiloans My payments are all similar. Auto draft of {$150.00} and {$45.00} applied to loan balance {$100.00} applied to advance/fees. So the two payments equivalent to {$300.00} that come out each each month only {$90.00} of that goes to my account balance. I have a few times had to request funds because I did n't realize it would be twice a month but was sure I had gotten myself in a mess and would just have to keep trying to get through it until I got it paid off. I went through all of my statements and I have paid {$4700.00} to them since XXXX2015. My total fees charged total in {$2400.00} and my current balance is {$1000.00} with a payment due of {$260.00} and {$170.00} of that is fees. I feel this debt has been more than enough taken care of. I was advised by several people to close my bank account and try to find relief of this debt. I do n't feel I owe this company anymore money they have received back what they loaned to me and then some.
08/15/2016	No	Consumer Loan Installment loan	Taking out the loan or lease	NE 68127	Web	Older American, Servicemember
I believe Mobiloans LLC fraudulently stole my identity from the Internet and processed the loan with the expectation that I would cash the checks thereby agreeing to the loan. Mobiloans LLC sent XXXX checks in the mail without me soliciting a loan. Since I had not applied for the loans I presumed they were an unsolicited loan so I destroyed the checks without cashing them. Because the checks were not cashed there is no legitimate loan and the ensuing debt collection notice is fraud. I have submitted a police complaint but the local police are not able to resolve the fraud. The loans appeared on my credit report and I filed a dispute with XXXX and XXXX. XXXX resolved the dispute by deleting the account from my credit report. XXXX resolved the dispute by making a comment in the file and the loan is shown as being " Charged off as bad debt, Profit and loss write-off ''. I applied for a loan with XXXX XXXX XXXX and the loan was denied because of this statement in my credit report.
01/14/2020	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 76028	Web
I took out a loan online with Mobiloans.com after receiving a pre approval in the mail. The interest rates they provided to me were way less than the fees being charged now. The online site sends you to a portal showing payment plans involving 12 payments of $ XXXX monthly to pay off a loan of {$1500.00}. I made sure I read this thoroughly understanding Id be paying {$300.00} in interest ( repaying a total of {$1800.00} ) now they are trying to withdraw {$150.00} weekly. I spoke to a representative that informed me I only had 11 weeks of making {$150.00} payment and the loan would be payed off. THIS IS NOT TRUE they have collected {$180.00} so far on a loan I took out approximately XX/XX/2019 and only {$30.00} has gone to the principal. This is a preditorial loan and would like to see what options I have. After researching their site ( not being able to find the previous portal stating I would only pay {$300.00} in interest fees ) their loans average at a 200 % + interest rate
07/11/2023	No	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NV 89113	Web
In a time of desperation, I was able to get a line of credit with Mobiloans in the amount of {$2500.00} in XXXX of 2022. I have up to this date not missed any of my bi-monthly payments that shift to different amounts each time but have been able to pay the balance which reflects {$2800.00} paid with a remaining balance of {$2600.00} remaining. I have placed a complaint with the XXXX bureau as the customer service line is impossible to get through and generic emails are the only form of emailed communication. I understand that this company has had issues in the past with " XXXX XXXX XXXX '' and claims tribal immunity to state laws. I am requesting that my account reflect a zero balance owed as the interest rate is ridiculous making them a predatory lender taking advantage of those in desperation and causing more debt in the end. The interest rate is ridiculous making them a predatory lender taking advantage of those in desperation and causing more debt in the end.
12/01/2017	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	NE 683XX	Web
I moved and when I moved I closed the account payments had been drawn on. When the XXXX payment did not go through because Mobiloans had not changed the account, I paid from my new bank account. I told them when it was paid that this was the reason. In XXXX they were still trying to debit the old account and not registering payment. I sent them a check for what the last two payments had been with a note stating that this was the account they needed to draw the payments from and asking them in writing to please change to this account. Since XXXX XXXX, they have been calling multiple times a day every business day. At first I would not answer and within a few days blocked the number on my phone. Now they are leaving messages with nothing but background noise ( XXXX, XXXX, XXXX, XXXX, and XXXX ). If they ca n't use some common sense and change the account and if they refuse to stop calling and leaving blank messages, then I refuse to pay any more on this account.
11/16/2016	No	Payday loan	Charged bank acct wrong day or amt	VA 23185	Web
Received a loan from Mobiloans. They were deceitful in their monthly payment schedule. They have been withdrawing more money from my checking account than I agreed to. Yet when I look at the payment history it does n't reflect the entire payment. Their practices are extremely deceitful and the " language '' is written in a way that seems legitimate, understandable and upfront. However, they 've never provided a truth in lending disclosure as promised when I applied and I do not have one in " my account information. '' What they offered when I applied is NOT what is being followed. I 've contacted them and they are NOT willing to assist. I have copies of my payments and the amount they 've deducted from my bank account. Willing to submit them as necessary. For example, they deducted {$220.00} from my checking acct on XX/XX/2016. However, they only posted a payment of {$110.00}. Where 's the additional money applied they deducted from my bank account.
02/18/2019	No	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	TX 79106	Web
I have had an active account with Mobiloans since XX/XX/XXXX. I have paid approximately {$120.00} per pay period for a {$1200.00} loan. At one point, I was able to get online to access my account and see where I stood on payoff amounts and payment schedules. In XX/XX/XXXX, I was unable to access my online account stating that I was in debt consolidation. I don't understand why debt consolidation should be a reason to not have access to my account. I have called several times to see what my payoff amount is, and I do not get a straight answer. I was told I have " about 32 payments '' left before loan is completely paid off. This seems excessive for a loan that is a balance of {$1000.00}. I believe have overpaid the amount I owe and this account should be closed. I would also need a copy of my loan agreement so I can further evaluate this account. I do not have access to any of this information, and they do not provide it to me when I call them.
10/06/2021	No	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	WA XXXXX	Web
I have disputed this account from my XXXX consumer report on multiple occasions because I never gave XXXX or MOBILOANS direct consent to furnish this information. No direct consent is identity theft! On XX/XX/2021 I served MOBILOANS with a cease and desist and requested that they provide me with the valid documentary evidence for verification of the alleged debt they are attempting to collect. They have also been harassing me by communicating indirectly to XXXX and publishing information that is harmful and defamation of my character! It is a fact, XXXX has NEVER had my direct consent to furnish this information on my consumer report. I have received multiple notices from XXXX stating that this account has been verified as accurate without providing any adequate documentary evidence that I gave them consent to furnish this information. I am demanding that they delete this account immediately as they are harming my reputation as a consumer!
02/19/2018	No	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	SC 29650	Web	Servicemember
I received monies from these companies, paid them in full I thought ...!! They continued to withdraw money from my bank account even after I ordered them to stop. They caused me great hardship. I paid them off early trying to avoid the high interest rate. So the unauthorized withdrawals by the payday loan companies continue until I was force to close my account. Because of this I had to actually get a XXXX debit card for my direct deposits of my bi- weekly pay. It wasnt until I tried to get a financing for a home did I see the fraudulent entries on my Credit File. As the CFPB has successfully sued XXXX XXXX XXXX ... I am involved in that settlement ... I have asked for monies Owed and now a complete DELETION OF ALL THREE TRIBAL LENDERS OFF MY CREDIT FILE .... MOBILOANS ... XXXX XXXX LENDING AND XXXX XXXX ( after the court case ... they did mark my credit file as PAID IN FULL. Please delete these 3 fraudulent entries on my credit file.
08/15/2022	No	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	FL 33810	Web
I had no knowledge of this loan until I was contacted by a company call XXXX XXXX on XX/XX/XXXX, They told me they were contacting me on behalf of Mobiloans an online lending company and that I was being sued for an amount that was not disclosed to me. It was said the loan was taken out somewhere in " XXXX ''. The rep on the would not give me her name and she was nasty. I reached out for help where I was then given contact information on the company mobiloans. I called the company and spoke with a rep named XXXX who gave me information on the account. The loan amount was {$1500.00}, taken out on Tuesday XX/XX/XXXX, at XXXX using an old address that I used to live at. Using what seems to be my XXXX XXXX bank account. I have pulled my bank statements from XXXX and XXXX and online deposit of XXXX was ever placed into account. I can also attach my bank statements that show on XX/XX/XXXX, I did receive a loan in the amount of XXXX
03/28/2023	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	ID 83713	Web
I received a text message today XX/XX/XXXX. I called the number back and they told me that they took me to court and that they're going to arrest me if I can not pay half of the Debt but I never received anything in the mail about a court date or anything and this happened back in XXXX. They have all my current information but the debt was done in california. I tried to contact mobile loans themselves. They said it was sold to a 3rd party deck collector XXXX XXXX XXXX I call That number and they told me that it was sold to another company in XXXX XXXXXXXX XXXX XXXX. I tried to call that company and their number does not go through. The lady told me on the phone that I have 2 hours To come up with XXXXXXXX XXXX or they are sending someone out to arrest me. But like I said I never received anything about me being sued or I would have responded. I am very scared I can not be arrested I have children.
09/28/2021	No	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	FL 32608	Web
I received a call today ( XX/XX/28 ) stating that they were going to file a claim with my local county, XXXX county. She stated she was looking for me and my location. She called my employer, my mother, my mother in law and me. I have never ever given out the information of my mother nor mother in law. They stated they were charging me with three different charges one which included a criminal charge. I made a few phone calls to lawyers for representation. Then I called back to get more information from the company as I had already set up an appointment with a lawyer for tomorrow. The representative refused to give me a physical address for the company, he simply stated that the law firm was call XXXX XXXX XXXX. Later on in the afternoon me and an attorney called the number and he attempted to get more information from the representative which ultimately lead to the man disconnecting the line.
02/22/2021	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29406	Web
I received a phone call stating that a court order would be sent to charge me with a worthless check. I called to find out more and was told it was for a company named " Mobile Loans '' and the loan was taken out in XXXX. I told XXXX XXXX, the woman in charge of my account, that it was not my debt and she told me that I had to either make a settlement payment or go to court. I then asked her to send me validation of the debt as it was not mine. I then asked her what address she had on file and she gave me an address in a whole different city. The call was then disconnected. I then called back and was told that they did not have the ability to stop the court proceedings unless I paid. I asked to speak to a XXXX and that is when the " Legal Department '' came to the phone. This women was XXXX XXXX XXXX Once I told her the situation she told me to " have fun being XXXX again and enjoy court ''.
10/31/2018	No	Payday loan, title loan, or personal loan Payday loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02148	Web
Hello, I took out a payday loan from mobiloans in XX/XX/XXXX. I have always paid them on time at an outrageous interest rate. I found out in XX/XX/XXXX that the loan is illegal in my state of Massachusetts and I am only responsible for the principal amount which I have paid about triple that amount. I sent an email to the company letting them know the information I found out and they stopped taking the money from my checking account. Now I am trying to buy a house and they have reported to the credit Bureaus that I have on overdue balance of almost {$400.00}. I have asked them to fix the error to a {$0.00} balance and they refuse. I also disputed with credit reporting agency but keeps coming back as accurate. Technically they should owe me a refund of the amount over my principal amount but I am not asking for that, Only to remove or correct to a {$0.00} balance on my credit report.
08/30/2016	No	Consumer Loan Installment loan	Taking out the loan or lease	NJ 07105	Web
In a time of financial hardship, I turned to the internet in search of a personal loan. I ran across many websites which purport to lend installment loans at a much higher interest rate. At that time, I was unaware of the usury laws which protect consumers of NJ from loans with interest rates above 30 %. I was in such dire need that I applied for numerous online installment loans and was approved for all three. I made payment religiously whenever they were due, however, I was recently made aware by the attorney I work for that these loans are illegal and that most likely none of these lenders is licensed to lend monies in NJ. Any money owed to this company was paid well over the amount borrowed. The interest rate charged was well over XXXX %. This complaint is for one of the companies, however, I will be submitting separate complaints for each of the lenders.
06/13/2018	No	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 773XX	Web
In XX/XX/2016 I was the victim of a data breach and someone opened accounts in my name with MobiLoans and XXXX XXXX XXXX. I have sent several letters to both companies and fraud affidavits with no luck. Mobiloans refuses to investigate even though a proper dispute was filed. They keep stating they need my dl, utility bill and a police report. As far as the Fair Credit Reporting Act I only need to provide a fraud affidavit which they have. Mobiloans says they will no longer correspond with me even though I sent a letter to dispute the debt on several occasions. Both of these companies are refusing to investigate or remove them from my credit report. ALso both of these companies are illegal to operate in the State of Texas. I have a letter from Mobiloans stating they will no longer address my correspondence as I have questioned the legality of their company.
04/03/2020	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	IN 46260	Web
I contacted Mobiloans to ask if they were doing anything to help consumers who had lost income due to the coronavirus pandemic. They stated that at that time they were not doing anything, but that I could push back my payment to the next payment date, and that I could just pay both payments on that date. That doesnt help me because at this time I dont have an income, so I looked into more information on the company, and discovered that in several states including my own, they were charging interest beyond the cap that is allowed, so Im trying to find out if I can try to settle for a lesser amount than is owed since I have paid a substantial amount of interest already to them. Also, a few days after I called, they lowered my credit limit to {$1900.00}, whos was {$500.00} less than what I owed, then a couple of days later, changed it to {$2400.00}.
01/16/2018	No	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	FL 33431	Web
I recently joined XXXX XXXX, and reviewed my credit report. I see there is an account from Mobiloans on my credit report. I have never applied for an account from Mobiloans or any other loan because I am a starving XXXX XXXX and do not have a job. I live on my college campus and can not begin to think who would 've stolen my identity. I called the XXXX number that was on the credit report but was passed around only to be told that the account had been written off. Unbelievable that an account could be opened, never paid and closed without anyone at Mobiloans becoming suspicious. I have filed an identity theft report with the Federal Trade Commission. The report number is XXXX. I have also reached out to my campus police to make a police report of this fraud. Apparently, Mobiloans do not verify identity prior to giving out loans.
06/23/2020	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 90011	Web
I requested a loan. I didnt know that the Loan was illegal in the state of California and the amount of interest charged was that high either. I continued to make payments because I did not want the negative report on my credit so I just let the withdrawals Happen and I have overpayed the principal amount borrowed yet somehow I owe {$800.00}. When my original loan was $ XXXX When the covid pandemic shutdown happened I stopped Payments to avoid overdrafting as I had no income I sent an email letting know I couldnt pay. My balance at that time was {$660.00} but somehow since XX/XX/2019 I was making {$120.00} plus payments every two weeks. Even though the amounts they are charging are illegal I tried to settle the account to avoid negative marks on my report and they refused. The want a full {$500.00} dollars payment to settle
07/06/2018	No	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	AL 36608	Web
This company is a unlicensed loan lender in my state. From XXXX I have borrowed {$2100.00} and have paid back {$2400.00}. I have over payed them {$310.00} in fees and interest. I have emailed them asking for a refund in the amount of {$310.00}. They claim I still owe them an additional {$1300.00}. I also told them in my state since they aren't licensed I owe only the principal amount. I have paid the principal and asked them to consider my account paid in full. I want a refund in the amount of {$310.00} sent to me by paper check and for my account to be marked paid in full. In my state if a company isn't licensed they can't charge fees or interest. They claim to be exempt from the law, they are a native american tribal lending company. I have revocated automatic achieve authorizations and wage assignment 's from them also.
11/03/2015	No	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	IN 46614	Web
I notified them right away that I could n't make the payments right now because of the enormous fees. I spoke to them on the phone to customer service first, letting them know they could call or email me but could not call my employer. They still called my employer daily. I sent them an email to stop calling my employer, they still called daily. I faxed them a statement, referring to this website that they must stop calling my employer at XXXX. I told them in the fax that they could continue to call my cell or email me, both of which they have. But they keep calling my employer daily, sometimes more than once. I can not get personal calls of any kind at work. I just want them to stop calling my work number. I do have supporting documentation but I do n't have it on me at this moment that I 'm submitting this.
03/21/2022	No	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TN 377XX	Web
I took out a loan for XXXX. I paid regularly, and switched jobs. I had an issue with direct deposit. Company didn't have option to pay online. I did have a few weeks payment wasn't made. Last time I spoke with mobiloans, I believe in XX/XX/2022, was told I owed XXXX. I mailed payment in XX/XX/2022 for XXXX. In the form of money order. I sent XXXX to cover any added interest that may have potentially occured. XXXX is the USPS tracking number where payment for {$2400.00} I have asked multiple times for a statement by mail and it's as though they are refusing at this point. I've paid them more than I was even told I owed them. I'm really trying to do my part. The payment was delivered 12 days ago. I still haven't gotten any record or confirmation of this, and any electronic communication is ignored.
09/05/2015	No	Payday loan	Charged fees or interest I didn't expect	FL 34747	Web
Misleading, excessive interest rates, lying about reporting to credit bureau. When you talk to them and the mailer informs you that you are approved, you get a loan look at the website, it looks like you are paying {$100.00} per {$1000.00} lent which is fair. They ask you the days you get paid, i get paid twice a month, they charge me not {$100.00} for the whole loan but per pay period and deduct {$150.00} each pay period so basically you only pay {$50.00} towards principal. These are loan shark rates. Also, they state in emails that they report positive payments to the credit bureaus. That is a lie, They misinformed me I believe I should only pay {$100.00} like they told me, I have paid the entire principal off when I found out about the scam but {$500.00} in interest for only 90 days of a loan.
08/31/2016	No	Payday loan	Received a loan I didn't apply for	FL 338XX	Web	Servicemember
The choices above do n't cover my issue. I have been receiving harassing calls from individuals saying they are with " mobile loans. '' They have even searched for family members and called them. They stated that I received a payday loan XXXX 2013 and have a balance left ( approximately {$1600.00} if I remember correctly ). Supposedly it was deposited to a XXXX XXXX XXXX account, which I do not have nor did I have in 2013. I have already gone down the road with them on dealing with this as a fraudulent account opening/id theft and all they do now is get hostile and hang up the phone on me. I 'm tired of this company thinking they can call people up like they work for a federal agency and harass XXXX them. They are not going to bully me into paying something I am not responsible for.
06/13/2016	No	Payday loan	Can't contact lender	TX 762XX	Web
I borrowed {$800.00} from XXXX payday loan company Mobiloans. I have paid back {$1100.00} and they say I still owe another {$1100.00} in interest charges. I have defaulted on the loan and been in contact with a supervisor about making some kind of deal with them and he was suppose to call me back and I have called every day XXXX4 times a day and he will not get on phone nor call me back, His name is XXXX he goes by XXXX around the office. I can verify I have been calling him daily. They are threatening to ruin my credit. I have paid back all the principal plus some, so what there saying I owe is all interest! I have offered to pay some of the interest. But they will not return my call instead just random workers call me several times daily demanding payment in full. Please help!
10/03/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33032	Web	Servicemember
Mobiloans reported to the credit bureau XXXX that I did not make an XXXX payment. On their client portal website and in my bank you can see clearly the 2 payments via ACH debit that Mobiloans charged. I contacted transunion and was informed that I needed to contact the creditor so they can stop reporting misinformation. When I contacted mobiloans the representative refused to help me and said she doesnt do anything with credit. I asked to speak to a supervisor and was told she would send an email and will not be able to get on the line. I tried asking her to please transfer me to a supervisor but before I could finish my sentence She placed me on hold and then came on and said her supervisor XXXX said to email because she couldnt help me & theres no one I can be transferred to.
11/13/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA XXXXX	Web
I received a text message from XXXX over a week ago saying I am approved for {$3000.00}! I hit the link and thats when I started receiving emails, text messages and a whole lot of calls back to back saying I have been approved for {$2500.00}, {$5000.00}, {$1000.00} and etc. I gave a loan funding company my information over 1 year ago and I think they are selling my profile to a lot of scammers! These people have my social security number, bank account information, job information, email address, telephone number and etc. I have received hundreds of calls, text messages and emails! They are running my credit without my authorization! Please have the inquiries removed from my credit report that started XX/XX/2023 and on out to this date and maybe even more dates to be added.
09/30/2018	No	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	FL 324XX	Web
I have been made aware that this company is not licensed in the State of Florida to make payday loans. This company is also issuing payday loans with interest rates that could violate State of Florida and Federal usury laws. I have requested my original loan document from this company and they are refusing to provide it. Instead they have provided where I applied for a loan and the paperwork about cost and fees. I have sent them several letters asking for my original loan documents to this date. I have not received them. This could be a violation of the truth and lending act. Also they have listed this illegal loan on my credit history with XXXX and XXXX XXXX. I want the loan removed from XXXX and XXXX XXXX and any other credit bureau they may have listed it on.
12/18/2017	No	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	CA 92882	Web
I have been paying off a {$1000.00} loan for about 16 months ay {$300.00} per month. I was never told that this would NOT be added to my credit report. The deductions stopped coming out of my checking account and I assumed that I was done with this loan. I checked my credit report and see that this loan was reported at a bad debt. I got nothing in the mail or phone calls from mobile loans, the only notification that I got was a negative mark that appeared on my credit report. Over the weekend I got something in the mail stating they are in the middle of bankruptcy and I need to send my claim in to possible be added. These people are crooks I have paid over {$4000.00} for a {$1000.00} loan. I believe that they have committed fraud. Please see attached credit report.
08/24/2019	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 344XX	Web	Servicemember
Requesting my account to be closed due to MLA. Company says I opened the account XX/XX/XXXX so Im not covered. I filled out a new application in XX/XX/XXXX and I received funds XX/XX/XXXX. I checked the box that asked if I was in the military. I also at the time didnt know anything about Military Lending Act but the company was aware of the MLA. They were supposed to deny my application but they didnt. Once I was aware of this later on down the road I reached out to the MobiLoans support team. I was told I was still responsible for the loan and the fees and the Military Lending Act did not cover me. After doing more research Im not responsible for the exaggerated fees and APR. Im requesting my account to be closed due to the violation of the Military Lending Law.
01/31/2023	No	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 794XX	Web
This company calls my cell phone at least ten times a day, from various numbers from different states. They call before XXXXXXXX XXXX. and throughout the day until late evening, including weekends. The numbers they have most recently called from are below : XXXX ( PA ) ; XXXX ( Ohio ) ; XXXX ( Oregon ) ; XXXX ( Florida ) ; XXXX ( MA ) ; XXXX ( NJ ) ; XXXX ( NC ) ; XXXX ( Indiana ) ; XXXX ( Florida ) ; XXXX ( Texas ) ; XXXX ( Georgia ) ; XXXX ( Virginia ) ; XXXX ( Minnesota ) ; and multiple other numbers including numbers in Washington DC, New Mexico, Utah, Wisconsin, Idaho, California, and New York. They never leave a message and every time I call back, I get a message that says, " Thank you for calling Mobil Loans. ". I really need them to stop calling me.
04/15/2017	No	Debt collection Payday loan	Communication tactics Used obscene/profane/abusive language	CA 90035	Web
I am disputing a debt with Mobiloans via credit bureau disputes and am repeated called at work. 3 days ago, a man used abusive and obscene language with me and even laughed at me. The debt collector called me very aggressive saying they are taking me to court for a XXXX dollar debt.I said I understand I owe you guys I 'm currently going though a financial organization we can discuss a Payment plan in XX/XX/XXXX not right now. He was trying to intimidate me and laughed at me.I told him per my consumer rights per FTC please do not call me during my work hours send me everything via writing so I can communicate it with my financial representatives.And he started going ok with his intimidated psychology, I replied, I 'm busy so I will hang up if you wo n't stop.
11/25/2015	No	Payday loan	Charged fees or interest I didn't expect	TN 37013	Web
I opened an account with Mobiloans on XXXX/XXXX/15. Since then I borrowed almost {$900.00}. By XX/XX/XXXX I had paid back over {$600.00} of the loan thru payments made to this account thru my bank account. At present after making these payments I still owe over {$900.00}. I had to go to my bank and put a stop payment, since the withdrawals were becoming not only more frequent, but also bigger each time. I had read something about this company before, but they seemed to be legitimate, but later found out what the complaint were about. I had made the loan because I was in between jobs to help me get thru to the next month, but the cost of pay8ing back the loan has made it almost impossible to do with the amount of money I make in my new job.
01/26/2017	No	Payday loan	Received a loan I didn't apply for	OH 45231	Web	Servicemember
Mobiloans , LLC is an online payday loan company. Mobiloans has filed a derogatory report to the credit bureau 's for a loan that is not mine. I have contacted Mobiloans on multiple occasions requesting validation as required by law to no avail. Mobiloans has nothing with my signature on it indicating that i personally applied for this loan, nor that I agreed to repay any loan. After submitting my complaint and dispute to their account support and account dispute division they chose to charge the account off and file a negative report to the XXXX credit bureau. Mobiloans resorted to tactics of harassing me by phone and threats of ruining my credit if they were not paid. These tactics and method were numerous and documented by me.
08/08/2016	No	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	TX 75287	Web
Name of Creditor : MOBILOANS LLC Address : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, LA XXXX Re : MOBILOANS LLC Amount : {$760.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
10/15/2018	No	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TN 37912	Web
Hello, I have a defaulted payday loan with Mobiloans. It was eventually taken over by XXXX XXXX aka XXXX XXXX. I believe in paying what I owe, so I made an agreement on XX/XX/18 with " XXXX '' at XXXX to have {$25.00} taken out of one of my credit cards every month. When I saw the {$5.00} cash advance fee also taken out, I called XXXX back up and cancelled this arrangement and stated I would call back to make another arrangement. Today, XX/XX/18, I was notified via email from my credit card company that this company tried to take out another {$25.00}. Totally unauthorized. I called XXXX and asked why. He stated " well, you never called back to make other arrangements. '' Isn't this illegal? Please advise. Thank you,
04/28/2015	No	Payday loan	Charged fees or interest I didn't expect	OK 730XX	Web
On XXXX XXXX, 2015 I initiated an online payday loan with Mobiloans LLC. Initial spoke to a representative and was assured they were in compliance with Oklahoma State Law and Federal Regulations. After never receiving proper loan document and further investigation, I am be charged fees in excess of allowable interest ( in excess 600 % ) - They have also changed my payment terms to from monthly to bi-monthly by means of ACH without my consent. If you atempt to resolve via telephone - the representative becomes beligerant and threat of vioaltions regarding siesure of bank accounts or imprisonment. These folks claim XXXX, however, finding your investgation against them, they are not excused from federal regualtion.
07/02/2023	No	Payday loan, title loan, or personal loan Personal line of credit	Improper use of your report Reporting company used your report improperly	KY 40160	Web
On XX/XX/2023 I filed a dispute against Mobiloans. On my credit report which at that time they're supposed to stop contacting me until the dispute was resolved. They did not they continued to call me three or four times a day on the XXXX XXXX and XXXX of XX/XX/2023 which is in direct violation of fcra U.S.C-1681. And should be subject to a {$1000.00} payout because at this point is considered harassment they only stopped contacting me when I contacted their legal team myself to let them know of their violation ... when speaking with them before they claimed because they were a tribal group they were virtually Above the Law and they didn't apply to them. But when it comes to fcra laws they are held accountable
09/01/2021	No	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TN 37804	Web
A company by name of XXXX repeatedly kept calling me, and some family members leaving messages with them about trying to locate me. And that a claim was in process of being filed in county I live in. I did call this number back and they seemed to know a debt that I owe but was asking me for personal information to get into file. I feel XXXX because I did give them some then They were going over payment arrangements that if I could have afforded debt would have been paid to begin with. The more I thought about it it didn't seem right so I asked for companys full name address and a written statement and they said they don't provide that information and they would send out a notice thru county to locate me.
03/08/2016	No	Payday loan	Received a loan I didn't apply for	CA 90046	Web
I have filed multiple grievances with this organization, attempting to have this loan removed as I did not apply for it. At some point during XX/XX/XXXX my computer was compromised and accounts were opened in my name, linked to my checking account and emails compromised. An individual was acting on my behalf to obtain these loans. I tried to explain this to someone at Mobiloans, without any assistance. I was told that this was my debt, and that I was responsible for it. Furthermore, I would not have taken out a loan with such a high interest rate that is illegal in the state of California. As of XXXX/XXXX/XXXX, this is being reported unfairly and illegally on my credit report as a charged off account.
08/08/2016	No	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	TX 75287	Web
Name of Creditor : MOBILOANS LLC Address : XXXX : XXXX, LA XXXX Re : MOBILOANS LLC Amount : {$760.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
06/10/2022	No	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	MS 39047	Web	Servicemember
Mobile Loans has reported a false information to my transunion report recently. They claim the account which was opened in XXXX of 2019 and closed in XXXX of 2019 was a revolving account and that is was charged off with no payment history, no last activity, no scheduled payment of account closed designator. this is a scam company. how can this be a revolving account like a credit card or line. this is clearly a high interest loan company due to my research. This account needs to be removed immediately. I've tried to explain this to transunion, but they hang up on me. none of information from this legal or accurate. They also violated my rights under 15 USC 1681s-2 and 15 USC 1681 section 602 A
10/07/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75025	Web	Older American
Reference CFPB Complaint ID XXXX Date XX/XX/19 Since the last complaint I have provided MobiLoans with a Police Report and FTC ID Theft form, regarding a fraudulent account set up in my name. Also, I submitted a notarized MobiLoans ID Theft form to them. Mobiloans, knowing the account was in question, and in possession of all these previously mentioned documents, MobiLoans preceded in bad faith to hit my XXXX Credit report with a 30 days past due notice which is unfairly affecting my credit score. This is not my account or my debt. The account was created by an Identity Thief. Mobiloans needs to acknowledge their mistake and immediately remove the 30 day past due notice from my credit reports.
03/15/2023	No	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	CA 955XX	Web
This company and another have been calling me non stop for 6 months now ive had credit card charges that i didnt make that have been happening for a long time but these companies keep calling me and keep saying i owe them money and i keep telling them i sont have a bank account even but they insist i owe them and are now saying i owe them XXXX to XXXX XXXX a piece and i never have had an issue with identity theft untill i moved to XXXX 8 months ago but i need some sort of assistance with all this fruad going on i know my loans i know my accounts but this is getting out of hand i cant afford to pay these one of the companies said they were mobi loans and the other is XXXX XXXX loans
08/16/2023	No	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	NE 68601	Web
The customer service representative will not verify my identity unless I provide them my full social security number, date of birth, zip code, email address, phone number, bank routing number and bank account number. I dont feel comfortable giving them all that information and feel its a bit excessive in order to confirm my identity. I did, however, provide all the information excluding my banking information and they said unless I provide all my personal information, they are unable to answer any specific questions about my account and would only be able to answer general questions. I feel this violates my rights and privacy and raises the risk of potential identity theft.
08/17/2019	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	FL 344XX	Web	Servicemember
I filled out a new application in XX/XX/2018and I received funds XX/XX/2018. I checked the box that asked if I was in the military. I also at the time didn’t know anything about Military Lending Act but the company was aware of the MLA. They were supposed to deny my application but they didn’t. Once I was aware of this later on down the road I reached out to the MobiLoans support team. I was told I was still responsible for the loan and the fees and the Military Lending Act did not cover me. After doing more research I’m not responsible for the exaggerated fees and APRs. I’m requesting my account to be closed due to the violation of the Military Lending Law.
01/03/2020	No	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	TX 76036	Web
In XX/XX/2019, I filed a dispute with XXXX concerning my MobiLoans account that is on my credit report. MobiLoans was involved in a class action lawsuit, along with several other lenders. As part of the class action lawsuit, MobiLoans was supposed to remove their information from consumers credit reports. XXXX said they verified the information as accurate, which is impossible, because how can XXXX verify this information as accurate, when a court order says it has to be removed. Either way two parties are at-fault here. Mobiloans is at-fault for not removing the information, and XXXX is at-fault for verifying something as accurate when it isn't.
09/17/2015	No	Payday loan	Charged fees or interest I didn't expect	OH 452XX	Web
I borrowed {$600.00} as a short term loan and intended on paying it off. I was charged a {$150.00} cash advanced fee. They automatically took out {$96.00} out of my checking account, which I tried to stop and they failed to let me after I sent them emails and phone calls, which were of no help. Then they charged me a {$65.00} finance charge on the XXXX, which brought my total back up to $ XXXX.The next minimum payment is {$110.00}. {$65.00} would go towards the finance charge and the remaining {$48.00} would go towards the principal balance. Then they plan on charging me another {$65.00} finance charge on XXXX XXXX on top of the minimum payment.
10/28/2021	No	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	CA 94608	Web
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
09/23/2020	No	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MO 64801	Web
I received an offer by mail from mobile loan. They offered me a pre qualified loan and at the time I filled out the application online. The result was a denial and they E mail blasted my personal information social security number bank card information all of the personal information you would normally associate with a loan to 68 payday lenders for their review. I felt the tactic was misleading to say the least and dangerous to my personal information to say the most. This kind of misleading advertising should not be allowed. I would like to see them honor the Offer they put out are at least stop these misleading mailers. Regards, XXXX XXXX
08/25/2015	No	Payday loan	Charged fees or interest I didn't expect	NC 27704	Web
I got an intial loan of {$900.00}. The payments were {$130.00} every two weeks which I agreed to. I saw an option to push the next payment to the next pay period. I thought it meant I could start the payments the next pay period. Instead it XXXX the payment which I could not afford. Now they are saying I owe {$500.00} for a payment. Most of this fee is finance charges which they keep adding on every week. I asked for payment arrangements of {$50.00} and they are taking the payments but my balance keep going up {$100.00} everyweek. They are a tribal internet lender. I want to stop adding the interest and apply payments toward my balance.
07/12/2017	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NJ 08724	Web
Approximately XX/XX/XXXX I took out a loan online for {$840.00}. I was charged a {$71.00} cash advance fee, also. I have paid them {$1100.00} to date, and still owe {$530.00}. I am a XXXX XXXX resident, and I have found out this loan is not legal in my state, and it violates XXXX XXXX XXXX Civil Usuary law NJSA XXXX . They are harassing me, even calling my work phone numerous times daily. I understand I am owed the excess amount I paid over the loan amount. I will no longer make payments on this illegal loan and wish for them to Cease & Desist calling me, my employer, and anyone else to try to collect on this.
10/12/2021	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 92346	Web
I took out a loan with Mobiloans on XX/XX/15 I was under the impression that I would like not be charged a one time finance charge how we I have learned that there is a high interest that is accrued monthly. After doing the math I realized that it would take several years to pay off the loan. I am now unable to pay for the loan and have been unable to get in contact with anyone from the company. They are also reporting to XXXX credit reporting f and that was not disclosed. They also do not provide payment history. I have recently learned that they should not be conducting business in the state of California.
09/17/2015	No	Payday loan	Charged bank acct wrong day or amt	FL 32068	Web	Servicemember
On XXXX/XXXX/2015 I spoke with XXXX different representatives at Mobiloans , LLC who XXXX confirmed with me that a payment would be authorized for XXXX/XXXX/15. Two days later they charged my account in the amount of {$130.00}! TWICE!! This caused my account to have multiple overdraft fees as I had authorized other bills to be paid. When I called them, they told me they were sorry and that it was a mistake on their end, but unfortunately there was nothing they could do about it. This company has caused me so much unnecessary stress, I would never recommend them to anyone! STAY AWAY FROM MOBILOANS!
03/14/2019	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	FL 325XX	Web
This company is a RIP-OFF! They charged me outrageous fees and interest, and also every time I made the required minimum payment, it was as if the loan amount never decreased ( payments barely covered the interest ) leaving me with a balance more than I actually borrowed. I was contacted by mail by a company called XXXX XXXX saying there was a possible class action lawsuit. I completed and submitted the claim form, but never heard anything back from them. I just want to see what options I have to either be reimbursed for all the fees/interest charges and/or reimbursement of my money that I paid.
09/08/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MO 630XX	Web
XX/XX/XXXX received text from XXXX XXXX XXXX, Mobiloans LLC stating my loan is approved and thank you for signing. I told them I did not fill out any loan application. They asked me for my Social Security to which I did not provide. I gave them the application number and said they should be able to figure out from there to which they wanted me to call. Why should I call, so they can try to get more info from me to scam me. I asked for a copy of the application and they said I had to call. I want this inquiry removed from my credit report as I did not authorize any such application or inquiry.
02/05/2019	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77489	Web
I just received an email from Mobiloans who is the original creditor alleging that I took out a payday loan with them, I have never heard of this company and was a victim of identity theft, as I filed a police report in addition to a report with the FTC, I never authorized a loan with Mobiloans or this third party they sent this account to, furthermore I have not received any mail from them with a proper debt validation. I am very familiar with my rights and would appreciate if this debt is removed from all 3 credit reports as there is no signature showing that I in fact owe this alleged debt.
11/13/2015	No	Payday loan	Payment to acct not credited	TX 76543	Web	Servicemember
I received a loan in about of {$1000.00} around XX/XX/XXXX. XXXX my first payment towards the end of the month for XXXX. And ever other month til now. I paid back the loan and than some. I paid to them over XXXX and my balance is still sitting at XXXX I 've called them and they basic said told me, that 's just the way it is. So I 'm going to be paying {$2000.00} and something for a {$1000.00} that makes no sense to at all. I feel like this company takes advantage of people. This company has put me in a deeper hole than I already was in. I 've been having to make {$300.00} payments each month..
12/16/2016	No	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 75287	Web
I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I should receive notification in the mail and a right to dispute the items before they are added to my credit report.The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item.
12/16/2016	No	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 75287	Web
I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I should receive notification in the mail and a right to dispute the items before they are added to my credit report.The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item.
11/27/2018	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 90034	Web
I get 10 calls a day over and over for the past 2-3 weeks from a loan company called Mobiloans claiming there is a debt owed of XXXX for a loan that was under my name social security and address that supposedly was direct deposited to a XXXX XXXX XXXX account which I am not affiliated with nor have I had. I've called XXXX XXXX XXXX to verify this information and there has been no such deposits or accounts with any deposits from Mobiloans under my name and social security number. Since I denied the debt they continue to call me continually. This is not my debt. Please help me.
04/11/2019	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 761XX	Web
I took out a loan from Mobiloans in the amount of {$1800.00}. I have been making payments on the loans and have already paid in excess of {$4300.00} for the loan. When I tried to settle the account, I was told that the amount that would have to be paid was {$2500.00}. I thought this type of fees and interest rate were illegal. My husband is no longer able to work, and I am no longer able to make payments. I have attempted via phone and email to settle the account. I told the company that I could settle the account for the amount of {$250.00} but I never received a response.
03/24/2022	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	FL 33570	Web
I applied for an emergency loan thru mobiloans.com on XX/XX/2021. The loan is in the amount of XXXX. I have made 4 payments totaling XXXX and they are still reflecting my balance still due of {$2000.00}. They are charging me an ( APR ) : 469.44 % making it so this loan will never be paid off. They are taking XXXX every payday on the XXXX and XXXX each month totaling XXXX per month. This is causing my family extreme hardship and the fine print was not clearly explained to me, however by anyone 's terms we can see that this is predatory lending and irresponsible practices
11/27/2017	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	CA 92377	Web
I currently have an open loan with Mobiloans an online lender, I received a loan from this lender for XXXX $ on XX/XX/XXXX and have been making biweekly payments XXXX $ XX/XX/XXXX,XXXX $ XX/XX/XXXX,XXXX $ XX/XX/XXXX,XXXX $ XX/XX/XXXX, XXXX $ XX/XX/XXXX which has been ACH debited from my account, I have paid XXXX $ to date XX/XX/XXXX, this loan is illegal in my state of CA and I want to pay what is owed on principal XXXX $ and the debt considered paid in full and have this account closed.I sent them a written notice making them aware of this and they have refused.
10/09/2018	No	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 93454	Web
After realizing that most of the monies paid to Mobiloans weren't going to paying off the principle, I had to quit making payments and wrote them to try to work out a fair repayment program.I can not continue to pay excessive fees.I am on XXXX and cant afford.I never borrowed more than 400 at anytime and made payments but principle never seems to go down.Just need help arranging fair repayment plan, and stopping excessive fees.They have already damaged my credit after 30 days.They have ignored any requests to lower and set up payments that I can afford.
10/28/2019	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	CA 91744	Web
On XX/XX/2019 I received an email from XXXX XXXX XXXX XXXX XXXX monitoring services, notifying me that a financial company requested credit information from XXXX on XX/XX/2019. The financial company identified as MOBILOANS LLC, without my knowledge ran my credit report causing a hard inquiry dropping my credit score which Im currently rebuilding. I emailed MOBILOANS customer service support requesting a letter of deletion and to provide me the information I requested and did not receive any call backs nor an email about the credit inquiry.
01/29/2020	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	WA 98277	Web
I sent many emails to Mobiloans trying. I tried setting up a payment plan on the principal only of the {$2100.00} loan taken. They were unwilling to work with me on any payments. They called my home, cell and work day in and day out, even after I requested written correspondence only. Once I found out and notified them that they illegally operated in the state of Washington and that all interest under XXXX must be refunded they stopped contacting. but they have continued to put on my credit report causing serious damage to my score.
09/01/2016	No	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	CA 93722	Web
This collection agency is harassing my manager at work, as well as calling third party people who I have no association with. This third party is my boyfriends child 's mother. This debt is from 2012, and I have had no association with the child 's mother at the time or at all currently. I have no problem communicating with them however she was yelling at me stating she can call again if she wanted to referring to my manager and the third party. I also asked for a mailed statement and she said she does n't provide those.
11/18/2018	No	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	HI 96706	Web	Servicemember
On XX/XX/2018 Mobiloans attempted to contact me at XXXX and XXXX HST. prior to establishing who they were talking to they immediately advised via a recording that the purpose of the call was to collect a debt and any information gained would be used for the purpose. I stress that when they called and the phone was answered a recording played advising this was an attempt to collect a debt. There was not attempt to determine who they were talking to prior to the recording. I believe this is a violation of the FDCPA
12/05/2017	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77469	Web
I contacted Mobiloans after finding a loan on my credit report. I contacted the company and asked for all of the information regarding the debt including the paperwork and I never received any information. The company continues to call me and my family members NUMEROUS times and will not remove the information from my credit report. I 've sent numerous letters via priority mail with receipt requested asking for debt validation and the company does not respond, however, they continue to report negatively.
03/31/2015	No	Payday loan	Charged fees or interest I didn't expect	FL 323XX	Web
Was given a loan by mobiloans.com. This place is COMPLETE SCAM and I pray no one else borrows money from them. They allowed me to get {$1000.00} and told me I 'd only have to pay {$1100.00} back. That occurred in XXXX XXXX, safe to say it is XXXX XXXX, XXXX and I AM STILL PAYING! So I decided to pay the remainder balance in full to avoid them EVER again in LIFE! I would love to know how much I have paid them but I do not want to because I KNOW I WILL BE EVEN MORE LIVID THEN I AM NOW! *Mobiloans.com
08/13/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32277	Web
XXXX accordance with the fair credit reporting act XXXX {$100.00}, XXXX {$150.00}, and XXXX XXXX XXXX {$1200.00}. Has violated my rights. 15 U S C 1681 section 602 A.states I have the right to privacy. 15 U S C 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U C S 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
11/20/2015	No	Payday loan	Charged bank acct wrong day or amt	VA 23503	Web
Mobiloans processes XXXX transactions from my account when only XXXX was authorized. When I contacted them to request refund the supervisor said she would have to review call and call me back. I said I would hold. She refused saying she has calls before me, despite being on the phone with me for 15 min. I told her I was contacting the CFPB to file a complaint. THEN she said " then I wo n't be able to contact you back if you are going to escalate it to anyone '' and hung up on me!!
11/21/2016	No	Payday loan	Charged fees or interest I didn't expect	OH 43615	Web
I received a mail from Mobiloans that I was prequalified for {$1000.00} loan. I applied for the loan and was charged {$100.00} which brought the loan to the total amount of {$1100.00}. I was never told that I will be paying {$95.00} financial in each billing circle. my payments are schedule bi-weekly some times in the amount of {$150.00} or {$140.00}. All I thought the {$100.00} added to the original loan was fixed but not knowing {$95.00} will be added in every billing circle.
12/09/2021	No	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	VA 221XX	Web
Hi, my name is XXXX XXXX i got mobiloans back in XX/XX/2017 and there is a lawsuit about the high interest rate 's i got letter from XXXX XXXX Settlement sayin g that they would forgive any debts that was owed and there would be cash payments but still i am receiving XXXX phone calls from a company which i do not know what the company name is and saying they will send me to proceedings and calling my family members also. If anyone can help with this. Thank you very much
04/20/2017	No	Debt collection Payday loan	Improper contact or sharing of info Contacted employer after asked not to	NC 27615	Web
I have submitted XXXX complaints about this company to the CFPB and they have yet to respond. I am concerned because not only is this reporting negative on my credit, but now they have went as far as contacting my family and my employer. This company and its representative are out of hand, they have called me from ( XXXX ) XXXX , ( XXXX ) XXXX , and various other numbers. This needs to be immediately deleted from my credit report and harassing called stopped!
05/19/2015	No	Payday loan	Charged fees or interest I didn't expect	PA 19406	Web	Older American, Servicemember
I had a payday loan with Mobil Loans for a few years. Recently was informed by them that they no longer could make loans in Pennsylvania. So, I paid off my loan with them but they are still charging me fees. My last balance was {$61.00} which I paid on XXXX. Now they are charging me {$8.00} in fees for a loan that is paid in full. Recently I checked on line and they have added another {$8.00} in fees stating that I now owe {$17.00} for a loan that has been paid in full.
03/19/2022	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MI 480XX	Web
Ive called multiple times about the extreme interest rate and told them I can not afford the payment. The payment amount and finance fees were not disclosed to me upon applying. Ive paid all my payments on time and they only apply a small amount. The interest is over 600 % and is predatory lending. I have been sent emails saying they would reduce my interest rate based on timely payment but when I called they couldnt offer it. This company has violated UDDAP policies.
03/16/2020	No	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	VA 230XX	Web
I have this {$1000.00} dollar loan since XX/XX/XXXX. As of today, I owe {$810.00}. They take a total about {$300.00} a month, split bi-weekly payments and i am still not finished paying them. Recently, i noticed that there has been a complaint filed against Mobiloans because of high interest rate, which Virginia won the case. Because of this I received an email on XX/XX/XXXX from Mobiloans stating that they are no longer doing business with Virginia customers.
11/12/2015	No	Consumer Loan Installment loan	Taking out the loan or lease	TX 78520	Web
I noticed on by bank account that I had a credit of XXXX on XXXX/XXXX/2015 from Mobiloans LLC. Subsequently I had debits in the amount of XXXX on XXXX/XXXX/2015, XXXX on XXXX/XXXX/2015 and XXXX on XXXX/XXXX/2015. I have never applied for nor agreed to any loan. I did not need a loan nor have I ever needed a loan for XXXX. I have placed a Stop Payment on my bank account and filed ACH disput as well. I do not want my crediit affected by this unauthorized loan.
12/27/2018	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	IN 46234	Web	Older American
On XX/XX/XXXX I called to extend the payment as my Social Security benefits come once a month. I was told they could not extend the payment to the date I receive my check because I had extended a payment already. This is their policy. I have never received anything from them stating this. My automatic withdrawals are twice a month on a XXXX balance and are charging XXXX with each payment of XXXX this is 2 times a month and I can not reduce the balance.
04/25/2020	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	AL 36832	Web	Servicemember
I had recently made an arrangement for a payment plan to pay my outstanding debt over a period of 6 months. My first payment was {$50.00}. I had missed my second payment and was told by the debt collector company that if I were to have another returned payment, that they would press charges for an attempt to defraud. They have since communicated with my family and discussed with them about my payment history with the company and the amount that I owe.
02/01/2022	No	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	MI XXXXX	Web	Older American
Mobiloans LLC is trying to charge me a Usurious interest rate of XXXX XXXX on a loan of {$1800.00} Account Snapshot XXXX Approved Credit Amount {$1800.00} Current Principal Balance {$1700.00} Current Fees {$230.00} Total Account Balance {$2000.00} Total Past Due {$150.00} Total Amount Due {$300.00} Scheduled Payments XX/XX/2022 Past Due Payment {$150.00} XX/XX/2022 Minimum Payment Due {$150.00} Transaction History : See Attached Transaction Summary
07/31/2019	No	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	FL 335XX	Web
I understand I am having financial difficulties and have communicated with mobil loans, now 4 days in a row telling them I will send in a payment soon. Each time I contact them letting them know when I will make a payment, they call immediately after acting like its the first time they are contacting me. I just got a job and they call my phone up to 10 times per day.I spoke with them today at XXXX and they called again at XXXX.
03/11/2022	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 344XX	Web
Received a spoofed number call from XXXX XXXX. Told me that my husband and I would be arrested and taken to court and that he would locate me at my premises. Then called my mother on another spoofed number threatening to break in to find me ( meanwhile I own a home ) and he would hunt for me. Stated it was in regards to a Mobiloan account. And to call XXXX. I am contacting an attorney too since this behavior is uncalled for.
02/26/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91605	Web
I'm part of a class action settlement ( XXXX, et al. v. XXXX XXXX, XXXX, et al. Case No, XXXX ). As part of the settlement, Mobiloans has agreed to cancel and remove my account on my credit report. I've tried to dispute the information multiple times through XXXX, but it still shows as a charge off and on my account. Please remove this trade line as soon as possible. Attached is the approved class settlement action.
07/14/2023	No	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	TX 78539	Web
I first applied in XXXXXXXX XXXX 2022. I have made all my payments and I still owe XXXX and that's because I pay {$350.00} a month. It is making it impossible to make ends meet. I pay two payments a month of {$170.00} and only {$30.00} goes into the principal. This can not be legal. I reached out to them but nothing has been resolved. I had my car repoed due to this loan because I could not make all my payments.
03/15/2021	No	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	MI 48312	Web
Mailed in a {$500.00} money order the tracking information shows the payment was received. I was told payments mailed in to the specific address would post when received. My payment has not been posted two workers hung up on me after I began to get irritated with them because my account did not reflect accurate notes because I was in two systems and my name was spelled incorrectly on my initial loan documents.
06/04/2019	No	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	VA 22401	Web
Called me during work hours, and after I politely asked him to call me after work he started raising his voice, saying " You need to pay your bill, you haven't made a payment in a year, '' and that was after I asked him not to call me until after XXXX XXXX. I believe I had {$500.00} when I no longer had the ability to pay ( child support arrearage, etc ), and that amount has since gone up to the thousands.
12/10/2021	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	IN 466XX	Web
Sent to a mediator or collector of some sort refused to give any information other than what was owed no apparent knowledge of date or year of loan. Yelled over me on the phone claiming I needed to pay {$1200.00} now or Id be sued for {$4000.00}. No notices ever sent in the mail claimed I took out the loan using an employer that I havent had in 6 years and accused me of writing fraudulent checks.
06/02/2016	No	Payday loan	Charged fees or interest I didn't expect	FL 32224	Web	Servicemember
I applied for a small loan and was accepted for a short term loan. Being military with XXXX credit I anticipated 36 % but found this to be more of a Payday loan. They are trying to classify as line of credit and trying to circumvent the military lending act and service member civil relief act. I have contacted them but they refuse to waver which is putting myself in financial hardship.
01/24/2017	No	Consumer Loan Installment loan	Problems when you are unable to pay	FL XXXXX	Web
I have been getting phone calles from this company saying I owe them money. I have never opened a account with them and now call me countless times every single day saying the same thing over and over again about me owing them money. When I explained to them that I have never opened a account they said for me to contact you on this site and the phone call will not stop until I pay.
02/07/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 370XX	Web
getting calls from a company called XXXX about a debt I do not owe. my id was stolen and a police report was filed with XXXX county XXXX pd. ive tried to expain the situation to this company and have failed. they have now started calling from a XXXX number with different area codes to harass and threaten me. they say they are not governed by us laws and call 6 to 12 times a day.
12/11/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 24501	Web
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
10/25/2019	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 45840	Web	Servicemember
XXXX XXXX has contacted my personal phone, and my employers phone 6 to 7 times a day each. it has been asked on numerous times not to call my employer because I can not receive personal phone calls at work. a gentleman on the phone that calls is using abusive language, arrogant and demanding information from both my employer and is discussing what the debt is
12/12/2019	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	WA 986XX	Web
Over the course of the past year, I have been lent money from XXXX XXXX, which is an unlicensed lender in my state. I have been charged interest rates and other fees that are not legal in my state. I have overpaid my loan by over {$1000.00}. They are an usurious lender that is hiding behind the sovereignty of a tribal nation to avoid legal trouble, clearly.
10/31/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92374	Web
I am disputing following companies for unauthorized inquiries I had no knowledge of up until this point. I am a victim of identity theft and will provide docs of the many submissions i have placed to prove that my account has been tampered and. I am trying to clear my report and this includes erasing these inquiries that wasnt authorized by me
08/04/2021	No	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	WA 99207	Web
Mobiloans charges usurious interest rates and fees. They try to hide under the tribal cloak to avoid following state law. I called to see if I could set up a payment arrangement/hardship program to potentially lower interest or stretch payment out and they said that they do not offer this and would have to make full payments when they are due.
01/21/2016	No	Consumer Loan Installment loan	Managing the loan or lease	FL 33160	Web
took out the the load from mobiloan. After, discovered and the terms and conditions of the load were unlawfully in my area. have contacted the company asking to surrender the load without penalty and interest. They refused and to day keep harassing me over the phone 10-20 times each day as well as placed a negative entry in my credit report.
02/01/2019	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	WI 54449	Web
They called me and stated that they are comeing after me for fraud from a loan I took out in XX/XX/2017 for about XXXX. I made as many payments as I could but I lost my job at that time and was not able to pay it I am currently geting garnished so I can not send them money or I will not be able to live I am a single father of XXXX kids.
05/30/2018	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29405	Web	Servicemember
Mobiloans , LLC is a tribal lending company that gives loans online. They are not licensed in the state of South Carolina where I live. The loan is not legal. Someone called me about taking me to court to pay back the loan. The loan is not even a legal loan therefore I do not have to pay it back and can not and should be sued for it.
09/17/2016	No	Consumer Loan Installment loan	Problems when you are unable to pay	VA 23505	Web
I would like to make a complaint against Mobile loans. I have paid this company over {$3000.00}. I am being charged a fixed amou t of {$73.00} every two weeks. I have co tacted this company to request a deferment or a settlement. I am drowning with these online lenders requesting help. All.of my payments are being applied to i terest
08/29/2018	No	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	NV 89178	Web
This company is not legal in Nevada, I have attempted to notify them numerous times to stop collecting on an invalid loan, however they have not gotten back to me. Today I received an email making me aware that my account was sold to a third party agency. This is an illegal loan they should not have the right to sell my information.
08/17/2016	No	Consumer Loan Installment loan	Taking out the loan or lease	CA 91710	Web
The company I have a loan through has n't applied any payments towards my loan and said they would be deducting once a month payments for one year of XXXX dollars each month now they are doing it twice a month and never sent over my payment dates just a generic payment plan with the amount you borrow but mine is different each month
09/07/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08854	Web
Illegal Payday loan who is not licensed to do banking or credit report in NJ and is violating NJ Unsury laws refused to lower the 800 % interest rate. They have then reported the loan on my credit report which the amount is inaccurate. The credit reporting agenccy says it is valid and they can not remove it. Loan # XXXX Mobiloan
04/24/2018	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	FL 33013	Web
I have credit monitoring. I was alerted that there was a hard inquiry on my report XX/XX/2018. I checked the company out & dont recognize it. Nor have I applied for anything recently. I called them & they offer no help & can't tell me anything. I want to know who used my social to try & get a loan & i want the inquiry removed.
09/13/2016	No	Payday loan	Charged fees or interest I didn't expect	CA 94597	Web	Older American
I am a senior citizen. I took out a loan with this company and was conned into taking out this loan. The loan amount was for {$1100.00}. I now realize that I am paying {$90.00} interest every two weeks on this loan UNTILL IT IS PAID OFF SENIOR ABUSE. I DID NOT REALIZE THE AMOUNT OF MONEY THEY WERE CHARGING ME. IT IS CRIMINAL
04/17/2018	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 90810	Web
I was deposited a total amount of {$2000.00} since XXXX of this year. I have paid {$1100.00}. I still owe them {$1800.00}. Ridiculous fees. I have tried to tell them they are illegal in my state as they are charging over 200 % in fees, but they insist they are a tribal lenders and does not have to abide with state laws.
03/14/2023	No	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	IN 46222	Web
I took out a loan of XXXX $ from Mobilaons XX/XX/2022, i paid payments for 6 months and brought my amount down to XXXX $ and i thought i was done. The company is still charging me from my bank account and there is not a way to cancel. theyre suddenly charging me 400 % interest which is illegal in the United States XXXX
08/02/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 331XX	Web
I would like to know what happens, that your level of authority as an arbitrator or as a guarantee to users or clients of credits, can not take action against a company, which does not respond or in this case they ignore to eliminate the negative quota in my reports How long should I expect them to take action on this?
08/18/2016	No	Payday loan	Charged fees or interest I didn't expect	VA 225XX	Web
I took out a loan with Mobile Loans, not realizing that I would be paying a XXXX interest rate every two weeks. I borrowed XXXX, and they are charging me {$200.00} every two weeks, plus XXXX interest every two weeks. I bring home XXXX per month from Social Security XXXX and can not afford to make a XXXX payment.
04/08/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89139	Web
FRCA Violation credit card XXXX XXXX XXXX XXXX FRCA Violation real estate loan late payment XXXX CARES ACT Violation personal loan late payments XXXX FRCA Violation other loans MOBILOANS LLC FRCA Violation hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXXXXXX XXXX
10/30/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 331XX	Web
this company MOBILOANS LLC I have paid more than two years, I need this abuse and report to my person and my credit to be corrected immediately! He held MOBILOANS LLC directly responsible for not ERASING an account already paid from my credit and for continuing to use my ID to damage my credit!
05/27/2015	No	Payday loan	Charged fees or interest I didn't expect	AZ 85635	Web
They take out fees XXXX so it takes a very long time to pay back the principal. When I tried to make payment in full in order to avoid any more fees, they said I could n't! Feel deceived ... These types of loan companies are illegal in Arizona, so they should not be available to Arizonians.
06/16/2017	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33470	Web
THIS LOAN IS NOT MINE, I FILED PAPERS WITH MOBILOANS, AND NOW THEY HAVE SENT ME TO COLLECTIONS. THIS HAS CAUSED A NEGATIVE TO M Y CREDIT SCORE AND I 'M JUST TRYING TO GET THIS HANDLED. APPARENTLY WITH JUST SOME BASIC INFORMATION YOU CAN OBTAIN A LOAN WITH THIS COMPANY WITHOUT VERIFICATION
11/20/2021	No	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	AL 35209	Web
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
05/21/2015	No	Payday loan	Can't stop charges to bank account	CA 94132	Web	Older American
I made loan of {$1000.00} from mobiloansfrom XX/XX/XXXX TO XXXX XXXX, XXXXI PAID {$1300.00}. + SO CALLED FIX FINANCE CHARGE ANDCASH ADVACE FEE TOTAL OF {$780.00}. THIS MEAN THAT I BORROWED $ XXXXAND PAYING {$1100.00} FOR THIS LOAN? AND THEY STILL TAKING MONEY FROM MY BANK.
02/20/2017	No	Payday loan	Charged fees or interest I didn't expect	VA 23185	Web
fees and payments were different than what they are deducting from my bank account ; additionally i have learned they are n't licensed or authorized to do business in VA ; also no instructions for stopping ACH transactions on statement ; terms and conditions or website.
02/13/2017	No	Payday loan	Can't stop charges to bank account	NC 27615	Web
Follow up to Case number : XXXX I am writing because a response was never received from this company. It is also reporting negative on my XXXX credit report. I request this be removed as their was no response from the company. The original complaint was sent XX/XX/2016
07/23/2018	No	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Contacted your employer	AK 99508	Web
I received a phone call multiple times in the last week to my place of work by a woman from XXXX XXXX. She was calling from XXXX. She was rude, threatening and has continued to call my work even after I have asked her to stop. She claims to be from Mobiloans.
10/14/2016	No	Payday loan	Can't stop charges to bank account	NC 27615	Web
The amounts that the payday loan company is charging me is outrageous. I 've asked a few times to stop the draft due to inability to pay, and they will not allow them to stop. I am at the point of needed to change my bank account. XXXX XXXX, North Carolina
07/08/2019	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	FL 331XX	Web
a long time ago I made the payment of the TOTAL amount of the loan to the Mobiloans company and wish to be removed from my credit bureaus the negative account report that reports and damages my credit. Rs a credit already paid and it's been a while.
06/21/2017	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38002	Web
Someone took out a loan in my name without my authorization and now I have a collection on my report regarding it from a collection company. They refuse to listen to me when I tell them it is the result of Identity theft and not mine.
01/10/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 91709	Web
this creditor put charge off on my credit after this was included in my bankruptcy and I complaint with your company and they never responded to your office regarding my complaint I want this removed from my report thank you
01/04/2017	No	Payday loan	Received a loan I didn't apply for	FL 33167	Web
My identity was stolen in XX/XX/2009. A XXXX XXXX. He obtained a DL and opened a fradulent loan with the DL. I filed a police report and an investigation was done. Afterwards, there was a warrant issued for his arrest.
05/02/2017	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	KY 41042	Web	Servicemember
I took out a loan for XXXX but the finance charges are so ridiculously high that I ca n't sustain the payments. I feel these predatory and illegal practices that are designed to trap consumers in never ending debt.
05/02/2017	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	KY 41042	Web	Servicemember
I took out a loan for XXXX but the finance charges are so ridiculously high that I ca n't sustain the payments. I feel these predatory and illegal practices that are designed to trap consumers in never ending debt.
07/08/2016	No	Payday loan	Charged fees or interest I didn't expect	IN 46202	Web	Servicemember
Charged an illegal interest rate of over 100 %. In 2016 alone, I 've been charged over {$1100.00} on an original loan amount of {$1200.00}. These interest rates were n't fully disclosed until the loan was finalized.
05/13/2015	No	Payday loan	Payment to acct not credited	CA 94132	Web	Older American
they are rip-me off for this loan. my loan amount was {$1000.00}, they charged me {$1500.00}, even I extend few times. I made few times paid {$300.00} and they credited for only $ XXXXthis things happened XXXX.
07/05/2017	No	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	NJ XXXXX	Web
I have an illegal in NJ payday loan that I applied for online before I knew it was illegal because of the interest rate. My interest rate is over 200 %. I 've made high payments and have barely touched my loan.
10/13/2015	No	Payday loan	Charged fees or interest I didn't expect	FL 32207	Web
I paid the balance of the loan and now they say I owe {$65.00}. My credit union sent them a check for {$1100.00}, which was balance on XX/XX/2015.They received the check XX/XX/2015. Now they say i owe {$65.00}
07/20/2019	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 331XX	Web
I need XXXX to act as arbitrator in this case where the original lender and collection company evade their responsibility, thus damaging the client. Then the response of one ( Mobiloans ) and another ( XXXX )
10/15/2015	No	Payday loan	Applied for loan/did not receive money	FL 322XX	Web
I was applying for a loan from mobiloans.com and they said my social security number was not in there system but when i go on their site they say it is. this was my first time ever applying with this company.
10/03/2023	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 331XX	Web
I made a loan with MOBILOANS LLC and it was collected in 2019 by XXXX XXXX And they are still fighting to delete my negative account and you do not TAKE ACTION IN THE CASE, what is happening???
02/10/2022	No	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	MI 48317	Web	Older American
XXXX practices predatory lending practices and charges Usurious Interest Rates ( 446 % ) in the State of Michigan. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Cell : XXXX
02/18/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90250	Web
Hello! I have submitted disputes to each credit bureau for these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX access I did not open these accounts and i just realized their on my report.
10/30/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33068	Web
MOBILOANSLLC has been reporting on my credit report for no reason. This account was sold to another company and handle by me. I 've disputed this reporting to no satisfaction on my part.
06/01/2022	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WA 98203	Web
I have made multiple attempts to verify that this debt is mine or owed and have not been able to get XXXX or Mobiloans to verify this debt yet this debt was reported to XXXX.
11/15/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 445XX	Web
There are hard inquiries reported on my credit profile that aren't associated with any open accounts, therefore, i would like those inquiries removed from my credit profile.
10/03/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29680	Web
These hard inquires were done on my credit reports without my authority. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MOBILOANS LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/31/2020	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	CA 95391	Web
After several large payments made towards the loan, the balance only continued to increase because of the astronomical interest rates 206.73 % and 425.45 % they charged.
12/12/2019	No	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	CA 91780	Web	Servicemember
Tried to payoff the loan in full and they refused to accept payment. They then sold my account to a collection agency ( XXXX XXXX ) which I was able to pay in full.
10/01/2021	No	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	AL 36605	Web
I demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.
06/28/2017	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NC 28562	Web
I recently found out that this company is illegal in our state. I have emailed them with the hopes of at least a payment arrangement for the principal only.
05/18/2016	No	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TX 77346	Web
They consistently call my phone 3-6 times a day. I have told them that I do n't have contact with the person they are trying to reach and they still call.
01/02/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	NM 87002	Web
this was supposed to be XXXX. i also have phone numbers on my report and addresses that were never mine on report. please help im trying to pay all debt
05/12/2016	No	Payday loan	Charged bank acct wrong day or amt	FL 34668	Web
Lender charged my account when it was not expected/unauthorized, which cost me overdraft, return check fees, and bank account is at negative status.
11/19/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	CO 80904	Web
I have had someone steal my identity to use it for mortgage, medical, airlines that I'd never use I've never been there, wrongful debt collection.
01/25/2018	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MI 48473	Web
Did not realize I had to make payments every 2 weeks. I get paid every month just once and was asked how often I got paid when I opened the loan.
10/04/2019	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	SC 291XX	Web
There is a hard inquiry on my credit report on XX/XX/2019 from : XXXX XXXX XXXX XXXX XXXX, LA XXXX I never applied for credit with this company
03/31/2015	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 91730	Web
Receives calls 3-4 times a day everyday but no message. This number comes us on my caller id but because i 'm at work I do n't answer it.
02/12/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 388XX	Web
There is an account with Mobiloans on my credit report that I have no knowledge of. Amount is over 2,000 . It does not belong to me.
11/02/2015	No	Payday loan	Can't contact lender	PA 155XX	Web
This lender refuses to remove false debt off of credit report. This is a payday loan and payday loans are not on credit reports!
09/20/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20601	Web
False credit inquiry. I contacted the company, but I did not feel comfortable sharing my personal information over the phone.
02/22/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77045	Web
I've tried disputing this information. My information has been shared without my consent. please delete this information.
07/05/2015	No	Payday loan	Can't contact lender	PA 155XX	Web
This lender keeps contacting me about a closed charged checking account and false reporting on my XXXX credit report.
02/01/2017	No	Consumer Loan Installment loan	Managing the loan or lease	NJ 07087	Web
I ca n't pay, too high interest. I was paying twice a month. For this loans I 'm in a debt settlement program.
01/02/2020	No	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	TN 37830	Web
I have sent two debt validation requests ( XX/XX/2019 and XX/XX/2019 ) and have never received anything back.
04/20/2021	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	MI 49707	Web
the fees for the loans from personify and mobile loans are to costly for my fixed disibilty income
03/17/2020	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92392	Web
I just got a settlement check from XXXX XXXX XXXX and I think I am being charged a high interest.
10/30/2018	No	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	FL 344XX	Web	Servicemember
I am in the XXXX and there is a set APR we can not go over. I am being charged XXXX in APR fees.
08/13/2021	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	OK 730XX	Web
2015 credit for the amount XXXX online mobile loan. I dont recall on this loan at all.
11/04/2021	No	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	IN 47130	Web
Mobi Loans-whomever they sold their accounts to is making threating calls
03/07/2023	No	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	MI 48507	Web
This account was open as fraud. I was not the one who open this account
10/02/2022	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	TX 75154	Web
Address from another state, location I've never been to nor lived
12/05/2017	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 75287	Web
I noticed that Mobiloans has reported 30 days in XXXX
10/03/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TN 37076	Web
XXXX XXXX XXXX Unaware of this hard inquiry
01/13/2024	No	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 752XX	Web	Servicemember

01/11/2024	No	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Charged fees or interest you didn't expect	WA 98445	Web

01/07/2024	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	CA 92584	Web

01/04/2024	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89084	Web

12/17/2023	No	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Struggling to pay your loan	FL 33021	Web

11/25/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32218	Web

10/15/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33179	Web

10/04/2023	No	Payday loan, title loan, personal loan, or advance loan Installment loan	Charged fees or interest you didn't expect	CA 95833	Web

09/13/2023	No	Payday loan, title loan, personal loan, or advance loan Payday loan	Loan payment wasn't credited to your account	CA 92882	Web

08/25/2023	No	Credit reporting or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Billing dispute for services	CA 92311	Web

08/24/2023	No	Payday loan, title loan, or personal loan Installment loan	Getting the loan	CA 91201	Web	Servicemember

08/09/2023	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	TX 75757	Web

07/31/2023	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IN 47043	Web

07/09/2023	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	CA 90015	Web

07/05/2023	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	OH 43232	Web

07/02/2023	No	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	FL 33404	Web

05/30/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	KY 40444	Web

04/03/2023	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33137	Web

03/23/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44307	Web

03/08/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48044	Web

03/08/2023	No	Payday loan, title loan, or personal loan Installment loan	Getting the loan	AL 36618	Web

01/02/2023	No	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	AL 36105	Web

11/18/2022	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	WA 98837	Web Referral

10/25/2022	No	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	FL 33012	Web

10/16/2022	No	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	MS 39170	Web

10/06/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95747	Web

09/07/2022	No	Money transfer, virtual currency, or money service Domestic (US) money transfer	Confusing or missing disclosures	CA 95407	Web

08/17/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33810	Referral

08/17/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33810	Referral

08/10/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36105	Web

08/09/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36105	Web

08/03/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33411	Web

08/03/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30126	Web

07/20/2022	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	TX 75043	Web

07/10/2022	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29405	Web

06/05/2022	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	TN 37415	Web

04/08/2022	No	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	SC 29477	Web

04/01/2022	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77373	Web

03/31/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 36105	Web

03/08/2022	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TN 38478	Web

02/21/2022	No	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	MO 64145	Web

02/07/2022	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32304	Referral

02/05/2022	No	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	IN 47630	Web

01/23/2022	No	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	FL 33613	Web

01/12/2022	No	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	FL 33309	Web

11/25/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43110	Web

11/23/2021	No	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32935	Phone

11/19/2021	No	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	OH 43207	Web

11/15/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43213	Web

11/10/2021	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	TN 37160	Web

09/29/2021	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	FL 34221	Web

09/26/2021	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43110	Web

07/15/2021	No	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	KS 67219	Web

06/11/2021	No	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	FL 34652	Web

05/25/2021	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 78602	Web

04/13/2021	No	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	VA 22193	Web

04/09/2021	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94306	Web

03/26/2021	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NV 89014	Web	Servicemember

03/24/2021	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	OK 74435	Phone

03/17/2021	No	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	NC 28027	Web

03/02/2021	No	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	PA 15210	Web

02/04/2021	No	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32835	Web

01/11/2021	No	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	CA 90022	Web

12/23/2020	No	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account		Phone

11/23/2020	No	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 75235	Web

10/10/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33901	Web

09/14/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35211	Web

08/31/2020	No	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	CA 95670	Web	Servicemember

08/31/2020	No	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 92128	Web	Servicemember

08/30/2020	No	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	MS 39083	Web

08/19/2020	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	FL 32669	Web	Older American

07/24/2020	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	FL 33311	Web

07/15/2020	No	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 77045	Web	Servicemember

07/13/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98375	Web

06/20/2020	No	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	CA 90022	Web

06/18/2020	No	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 32653	Web

05/30/2020	No	Mortgage Conventional home mortgage	Applying for a mortgage or refinancing an existing mortgage	TX 78382	Postal mail

05/20/2020	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33801	Postal mail

04/16/2020	No	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	SC 29229	Web

03/03/2020	No	Debt collection Payday loan debt	Communication tactics Used obscene, profane, or other abusive language	FL 33579	Web

02/08/2020	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	FL 33162	Web

02/06/2020	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	VA 23223	Web	Older American

12/31/2019	No	Payday loan, title loan, or personal loan Payday loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 44138	Web

12/26/2019	No	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MI 48065	Web	Servicemember

12/12/2019	No	Payday loan, title loan, or personal loan Personal line of credit	Incorrect information on your report Information belongs to someone else	TN 38115	Web

12/09/2019	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OH 44103	Phone

10/08/2019	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 91752	Web

10/02/2019	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NV 89031	Web

09/13/2019	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	WA 98391	Referral

08/20/2019	No	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NC 27886	Web

07/30/2019	No	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	TX 75056	Web

07/12/2019	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MI 48442	Web	Servicemember

07/09/2019	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	NV 89145	Web

07/09/2019	No	Payday loan, title loan, or personal loan Payday loan	Money was taken from your bank account on the wrong day or for the wrong amount		Phone	Older American

07/08/2019	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	NV 89145	Web

06/30/2019	No	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	NY 11758	Web	Servicemember

06/29/2019	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan		Postal mail

06/29/2019	No	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	FL 33305	Postal mail

05/10/2019	No	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	CA 91605	Web

05/04/2019	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 77051	Web

05/01/2019	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	TX 77051	Web

04/04/2019	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OH 44321	Web	Servicemember

03/14/2019	No	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	FL 33584	Web

03/13/2019	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33646	Web

02/13/2019	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	AL 36526	Web

01/31/2019	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93536	Web

01/29/2019	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect		Phone

01/04/2019	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NV 89166	Web	Servicemember

01/03/2019	No	Debt collection Payday loan debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NV 89166	Web	Servicemember

11/29/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22407	Web	Servicemember

10/24/2018	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	WA 98258	Referral

10/22/2018	No	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	WA 98372	Web

10/08/2018	No	Payday loan, title loan, or personal loan Personal line of credit	Problem with the payoff process at the end of the loan	TX 77051	Web

10/02/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 20147	Web

10/01/2018	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	WA 98674	Web	Servicemember

09/26/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33125	Web

09/06/2018	No	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account		Phone

08/20/2018	No	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	VA 24017	Phone

08/08/2018	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IN 46168	Postal mail

08/03/2018	No	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	CA 92694	Web	Servicemember

06/14/2018	No	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	WA 98465	Referral

06/14/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 37115	Web	Servicemember

06/12/2018	No	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	NE 68801	Web

06/04/2018	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	VA 24073	Postal mail

05/24/2018	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 90046	Web

05/13/2018	No	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	NE 68801	Web

04/29/2018	No	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	VA 23509	Web	Servicemember

04/03/2018	No	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect		Referral

03/29/2018	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	OH 44312	Postal mail	Servicemember

03/15/2018	No	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account status incorrect	WA 98031	Referral

03/04/2018	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	TX 77026	Web

02/10/2018	No	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	FL 33169	Web

02/09/2018	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	IN 46224	Web

01/29/2018	No	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	CA 94601	Web

12/20/2017	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	WA 98271	Web

12/20/2017	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	WA 98271	Web

12/07/2017	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33614	Web

12/05/2017	No	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Account information incorrect	AL 36617	Phone

11/18/2017	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	WA 98902	Referral

11/16/2017	No	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	TN 37190	Web	Servicemember

11/14/2017	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	FL 34987	Web

10/17/2017	No	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	CT 06614	Web

10/14/2017	No	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	CT 06614	Web

09/22/2017	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 90016	Web

09/20/2017	No	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	WI 54166	Web

09/15/2017	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TN 37069	Web

08/17/2017	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	WA 98444	Referral

08/17/2017	No	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	FL 33702	Web

08/16/2017	No	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OH 44130	Web

08/14/2017	No	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	NJ 07648	Web

08/05/2017	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NC 28213	Web

08/03/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 53511	Web

07/25/2017	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	TN 38125	Web

07/17/2017	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	NJ 08085	Referral

07/14/2017	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	FL 32210	Web

07/14/2017	No	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	FL 32210	Web

07/13/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 38114	Web

07/05/2017	No	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	NJ 07825	Web

06/06/2017	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	FL 33463	Web

05/26/2017	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	AL 35160	Web

05/01/2017	No	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	FL 33647	Web	Servicemember

04/26/2017	No	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	AL 366XX	Web

04/18/2017	No	Payday loan	Charged fees or interest I didn't expect	VA 22655	Web

04/18/2017	No	Payday loan	Charged fees or interest I didn't expect	VA 22655	Web

04/12/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 75503	Web

03/30/2017	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90059	Web

03/30/2017	No	Payday loan	Charged fees or interest I didn't expect	TX 78759	Web

03/27/2017	No	Consumer Loan Installment loan	Managing the loan or lease	IN 47634	Referral

03/18/2017	No	Consumer Loan Installment loan	Managing the loan or lease	IN 46226	Web

03/13/2017	No	Payday loan	Can't contact lender	MI 48603	Web

03/06/2017	No	Payday loan	Charged fees or interest I didn't expect	TN 37115	Web

03/03/2017	No	Payday loan	Charged fees or interest I didn't expect	IA 52402	Web

02/15/2017	No	Consumer Loan Installment loan	Managing the loan or lease	NJ 07010	Web

01/20/2017	No	Payday loan	Charged fees or interest I didn't expect	FL 33179	Web

01/10/2017	No	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	VA 23966	Web

01/09/2017	No	Consumer Loan Installment loan	Problems when you are unable to pay	OK 73071	Phone

12/26/2016	No	Consumer Loan Installment loan	Problems when you are unable to pay	TX 75219	Web

12/01/2016	No	Payday loan	Charged fees or interest I didn't expect	CA 95758	Web	Older American

11/14/2016	No	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	FL 33157	Web

11/04/2016	No	Payday loan	Charged fees or interest I didn't expect	FL 32828	Web

10/19/2016	No	Payday loan	Charged fees or interest I didn't expect	MO 63146	Web

10/04/2016	No	Payday loan	Applied for loan/did not receive money	TX 77063	Postal mail

09/30/2016	No	Payday loan	Charged fees or interest I didn't expect	NJ 07757	Web	Older American

09/28/2016	No	Payday loan	Charged bank acct wrong day or amt	NE 68008	Web

09/17/2016	No	Consumer Loan Installment loan	Problems when you are unable to pay	VA 23505	Web

09/08/2016	No	Consumer Loan Installment loan	Managing the loan or lease	FL 32404	Phone

09/07/2016	No	Payday loan	Payment to acct not credited	FL 32216	Referral

09/05/2016	No	Payday loan	Can't contact lender	MI 48205	Web

08/13/2016	No	Payday loan	Applied for loan/did not receive money	NC 28306	Web

08/10/2016	No	Payday loan	Charged fees or interest I didn't expect	VA 23860	Web

08/05/2016	No	Payday loan	Can't stop charges to bank account	NV 89117	Web

07/19/2016	No	Consumer Loan Installment loan	Managing the loan or lease	CA 91750	Web

06/03/2016	No	Payday loan	Can't contact lender	TX 77092	Web	Older American

04/24/2016	No	Payday loan	Charged fees or interest I didn't expect	IN 46383	Web

04/21/2016	No	Debt collection Payday loan	Communication tactics Frequent or repeated calls	CA 91770	Phone

03/01/2016	No	Consumer Loan Installment loan	Managing the loan or lease	CA 90304	Phone

01/27/2016	No	Payday loan	Charged fees or interest I didn't expect	CA 90043	Web

01/27/2016	No	Consumer Loan Installment loan	Managing the loan or lease	VA 24609	Web

01/10/2016	No	Consumer Loan Installment loan	Problems when you are unable to pay	TN 37012	Web

12/30/2015	No	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	TX 76227	Web

12/15/2015	No	Payday loan	Can't contact lender	NJ 07040	Web

10/29/2015	No	Payday loan	Charged fees or interest I didn't expect	CA 95626	Phone

10/28/2015	No	Payday loan	Charged fees or interest I didn't expect	OK 74104	Referral

10/17/2015	No	Consumer Loan Installment loan	Managing the loan or lease	FL 34601	Web	Older American, Servicemember

10/13/2015	No	Payday loan	Charged fees or interest I didn't expect	PA 19129	Web

09/01/2015	No	Payday loan	Can't contact lender	NV 89451	Web

08/24/2015	No	Consumer Loan Installment loan	Problems when you are unable to pay	FL 32908	Web	Older American

08/17/2015	No	Payday loan	Applied for loan/did not receive money	FL 33611	Web

08/10/2015	No	Payday loan	Charged fees or interest I didn't expect	CA 95391	Web

07/29/2015	No	Payday loan	Charged fees or interest I didn't expect	VA 24502	Web

07/21/2015	No	Consumer Loan Installment loan	Problems when you are unable to pay	FL 32908	Postal mail

06/25/2015	No	Payday loan	Charged fees or interest I didn't expect	FL 32833	Referral

06/19/2015	No	Payday loan	Received a loan I didn't apply for	TX 77029	Web

06/15/2015	No	Payday loan	Received a loan I didn't apply for	FL 32068	Web

06/10/2015	No	Payday loan	Charged fees or interest I didn't expect	NJ 07885	Web

06/01/2015	No	Payday loan	Can't stop charges to bank account	IA 51031	Web

05/12/2015	No	Consumer Loan Installment loan	Problems when you are unable to pay	CA 90043	Postal mail	Older American

05/04/2015	No	Payday loan	Charged fees or interest I didn't expect	CA 93063	Web

04/24/2015	No	Payday loan	Charged fees or interest I didn't expect	NJ 08854	Web	Older American

04/24/2015	No	Payday loan	Charged fees or interest I didn't expect	NJ 08854	Web

04/06/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	FL 34472	Web

03/09/2015	No	Payday loan	Charged fees or interest I didn't expect	CA 93534	Web

03/05/2015	No	Payday loan	Charged fees or interest I didn't expect	NC 27127	Web	Servicemember

03/03/2015	No	Payday loan	Charged fees or interest I didn't expect	PA 19021	Web

03/02/2015	No	Payday loan	Charged fees or interest I didn't expect	NJ 08721	Web	Servicemember

02/24/2015	No	Debt collection Payday loan	False statements or representation Attempted to collect wrong amount	PA 19104	Postal mail

02/24/2015	No	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	CA 95825	Web

01/31/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33334	Web

01/22/2015	No	Payday loan	Charged fees or interest I didn't expect	CA 95368	Web

01/13/2015	No	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	TX 76210	Phone	Servicemember

01/12/2015	No	Payday loan	Can't stop charges to bank account	CA 95521	Referral	Servicemember

12/31/2014	No	Consumer Loan Personal line of credit	Managing the line of credit	CA 91402	Phone	Older American

12/30/2014	No	Payday loan	Charged fees or interest I didn't expect	FL 33714	Web	Older American, Servicemember

12/20/2014	No	Payday loan	Charged fees or interest I didn't expect	FL 33068	Web

12/17/2014	No	Debt collection Payday loan	Communication tactics Frequent or repeated calls	MI 64133	Web

12/16/2014	No	Payday loan	Charged fees or interest I didn't expect	CA 95531	Web

12/08/2014	No	Payday loan	Charged fees or interest I didn't expect	NJ 08831	Referral

12/04/2014	No	Consumer Loan Installment loan	Problems when you are unable to pay	FL 33460	Web

12/01/2014	No	Consumer Loan Installment loan	Managing the loan or lease	PA 18042	Web

11/27/2014	No	Payday loan	Charged fees or interest I didn't expect	NC 27203	Web

11/19/2014	No	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	PA 19120	Web

11/18/2014	No	Payday loan	Received a loan I didn't apply for	FL 33569	Web

11/07/2014	No	Payday loan	Charged fees or interest I didn't expect	PA 19129	Web	Older American, Servicemember

11/04/2014	No	Payday loan	Charged fees or interest I didn't expect	OH 45601	Web	Servicemember

10/19/2014	No	Debt collection Payday loan	Communication tactics Frequent or repeated calls	TN 37912	Web

10/18/2014	No	Payday loan	Charged bank acct wrong day or amt	PA 15003	Web	Older American, Servicemember

10/16/2014	No	Payday loan	Payment to acct not credited	NC 28762	Web

10/16/2014	No	Consumer Loan Installment loan	Managing the loan or lease	GA 30114	Web	Older American

10/14/2014	No	Payday loan	Charged bank acct wrong day or amt	CA 91205	Web

10/02/2014	No	Consumer Loan Installment loan	Managing the loan or lease	TX 75067	Phone

09/29/2014	No	Payday loan	Charged fees or interest I didn't expect	NE 69210	Web

09/29/2014	No	Payday loan	Charged fees or interest I didn't expect	PA 15554	Web

09/24/2014	No	Payday loan	Charged fees or interest I didn't expect	NJ 07430	Web

09/22/2014	No	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	FL 32720	Web

09/12/2014	No	Debt collection Payday loan	Communication tactics Frequent or repeated calls	NJ 07017	Web

09/10/2014	No	Payday loan	Charged fees or interest I didn't expect	OR 97220	Web

08/27/2014	No	Consumer Loan Installment loan	Taking out the loan or lease	TX 76302	Web	Servicemember

08/13/2014	No	Payday loan	Charged fees or interest I didn't expect	FL 33498	Web

08/07/2014	No	Payday loan	Charged fees or interest I didn't expect	IN 46845	Web	Older American

08/07/2014	No	Payday loan	Charged fees or interest I didn't expect	PA 16504	Web

08/01/2014	No	Payday loan	Can't stop charges to bank account	NC 27509	Web

08/01/2014	No	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	FL 32811	Phone

07/28/2014	No	Consumer Loan Installment loan	Taking out the loan or lease	CA 95757	Web

07/26/2014	No	Payday loan	Charged fees or interest I didn't expect	OH 44141	Web

07/21/2014	No	Payday loan	Charged fees or interest I didn't expect	MI 48037	Postal mail

07/10/2014	No	Payday loan	Charged fees or interest I didn't expect	NJ 08075	Web

07/07/2014	No	Bank account or service Other bank product/service	Deposits and withdrawals	FL 33314	Phone

07/02/2014	No	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	CA 92129	Phone	Servicemember

06/26/2014	No	Payday loan	Charged fees or interest I didn't expect	VT 05701	Referral

06/24/2014	No	Payday loan	Charged fees or interest I didn't expect	PA 18702	Web	Older American

06/21/2014	No	Payday loan	Charged fees or interest I didn't expect	OH 44141	Web

06/12/2014	No	Debt collection Payday loan	Communication tactics Frequent or repeated calls	NJ 08854	Web

06/04/2014	No	Payday loan	Charged fees or interest I didn't expect	CA 94510	Web

05/26/2014	No	Payday loan	Charged fees or interest I didn't expect	FL 33609	Web

05/22/2014	No	Debt collection Payday loan	Communication tactics Frequent or repeated calls	NJ 08809	Referral

05/22/2014	No	Payday loan	Charged fees or interest I didn't expect	FL 34604	Referral

05/22/2014	No	Payday loan	Charged fees or interest I didn't expect	FL 32084	Web

05/17/2014	No	Payday loan	Charged fees or interest I didn't expect	CA 93728	Web

05/17/2014	No	Debt collection Payday loan	Disclosure verification of debt Right to dispute notice not received	CA 93728	Web

05/16/2014	No	Payday loan	Can't contact lender	VA 23851	Web

05/16/2014	No	Debt collection Payday loan	Improper contact or sharing of info Talked to a third party about my debt	NJ 08201	Phone	Older American

05/13/2014	No	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	CA 92392	Web

05/13/2014	No	Debt collection Payday loan	Communication tactics Threatened to take legal action	NJ 07086	Web

05/12/2014	No	Payday loan	Charged fees or interest I didn't expect	NJ 07086	Web

05/08/2014	No	Debt collection Payday loan	Communication tactics Called after sent written cease of comm	OH 44883	Web

05/07/2014	No	Debt collection Payday loan	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TN 37013	Web

05/06/2014	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	VA 22192	Web

05/02/2014	No	Debt collection Payday loan	Improper contact or sharing of info Contacted me after I asked not to	PA 19004	Web

04/30/2014	No	Debt collection Payday loan	Communication tactics Frequent or repeated calls	MI 48201	Phone

04/26/2014	No	Payday loan	Charged fees or interest I didn't expect	PA 17948	Web

04/25/2014	No	Payday loan	Charged fees or interest I didn't expect	WA 98201	Web

04/23/2014	No	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	NC 27526	Web

04/16/2014	No	Consumer Loan Personal line of credit	Account terms and changes	CA 95694	Web

04/16/2014	No	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	CA 91729	Web

04/15/2014	No	Debt collection Payday loan	Communication tactics Frequent or repeated calls	MI 48313	Web

04/11/2014	No	Debt collection I do not know	Communication tactics Called after sent written cease of comm	PA 15601	Web

04/09/2014	No	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	CA 92618	Web

04/06/2014	No	Payday loan	Can't contact lender	NJ 07601	Web

04/06/2014	No	Payday loan	Charged fees or interest I didn't expect	NC 27870	Web	Older American

04/04/2014	No	Debt collection Payday loan	Communication tactics Frequent or repeated calls	VA 23219	Web

04/02/2014	No	Payday loan	Charged fees or interest I didn't expect	MI 49009	Web

04/01/2014	No	Payday loan	Charged fees or interest I didn't expect	NJ 07601	Web

03/27/2014	No	Consumer Loan Personal line of credit	Account terms and changes	PA 15145	Web

03/24/2014	No	Payday loan	Received a loan I didn't apply for	CA 93291	Web

03/10/2014	No	Payday loan	Charged fees or interest I didn't expect	TX 78758	Web

03/01/2014	No	Bank account or service Other bank product/service	Account opening, closing, or management	FL 34470	Referral

02/18/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33875	Phone	Older American

02/18/2014	No	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt was paid	PA 19063	Web

02/11/2014	No	Payday loan	Charged fees or interest I didn't expect	PA 18103	Web

02/08/2014	No	Payday loan	Charged fees or interest I didn't expect	KY 40204	Referral

01/31/2014	No	Payday loan	Charged fees or interest I didn't expect	VA 20176	Phone

01/30/2014	No	Payday loan	Charged fees or interest I didn't expect	WA 98057	Web

01/23/2014	No	Payday loan	Charged bank acct wrong day or amt	NY 10027	Web

01/22/2014	No	Payday loan	Charged fees or interest I didn't expect	WA 98031	Phone

01/21/2014	No	Payday loan	Charged fees or interest I didn't expect	MI 48180	Web

01/18/2014	No	Payday loan	Charged fees or interest I didn't expect	CA 94901	Phone	Older American

01/18/2014	No	Payday loan	Charged fees or interest I didn't expect	MD 20910	Web

01/10/2014	No	Debt collection Payday loan	Communication tactics Frequent or repeated calls	VA 22311	Web

01/09/2014	No	Payday loan	Charged fees or interest I didn't expect	RI 02908	Web

01/09/2014	No	Payday loan	Applied for loan/did not receive money	MI 48640	Phone

01/09/2014	No	Consumer Loan Personal line of credit	Managing the line of credit	WA 98406	Web

01/07/2014	No	Payday loan	Charged fees or interest I didn't expect	VA 23507	Web	Servicemember

01/03/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77441	Web

12/31/2013	No	Payday loan	Charged bank acct wrong day or amt	VA 24017	Web

12/27/2013	No	Payday loan	Charged fees or interest I didn't expect	OR 97301	Web

12/21/2013	No	Consumer Loan Installment loan	Managing the loan or lease	VA 23464	Referral

12/20/2013	No	Payday loan	Charged fees or interest I didn't expect	NY 12928	Web

12/19/2013	No	Payday loan	Charged fees or interest I didn't expect	MS 39669	Phone	Older American

12/17/2013	No	Payday loan	Charged fees or interest I didn't expect	CA 93550	Web

12/17/2013	No	Payday loan	Charged fees or interest I didn't expect	CA 92026	Web

12/16/2013	No	Consumer Loan Personal line of credit	Problems when you are unable to pay	MT 59860	Web	Servicemember

12/14/2013	No	Payday loan	Payment to acct not credited	TX 75010	Web

12/14/2013	No	Payday loan	Charged fees or interest I didn't expect	FL 32129	Web

12/12/2013	No	Payday loan	Charged fees or interest I didn't expect	CA 93711	Web

12/11/2013	No	Payday loan	Charged fees or interest I didn't expect	AL 36280	Postal mail

12/09/2013	No	Payday loan	Charged fees or interest I didn't expect	MA 02301	Phone

12/05/2013	No	Debt collection Payday loan	False statements or representation Attempted to collect wrong amount	WA 98113	Web

12/05/2013	No	Payday loan	Charged fees or interest I didn't expect	PA 19149	Web

12/02/2013	No	Payday loan	Charged fees or interest I didn't expect	SC 29649	Web

12/02/2013	No	Payday loan	Applied for loan/did not receive money	IL 60202	Web

11/24/2013	No	Payday loan	Can't stop charges to bank account	OR 97910	Web	Older American

11/23/2013	No	Payday loan	Charged fees or interest I didn't expect	DE 19703	Web

11/19/2013	No	Payday loan	Charged fees or interest I didn't expect	MA 02066	Web

11/13/2013	No	Payday loan	Charged fees or interest I didn't expect	TN 37209	Referral

11/09/2013	No	Payday loan	Charged bank acct wrong day or amt	MN 55430	Web	Older American, Servicemember

11/07/2013	No	Payday loan	Charged fees or interest I didn't expect	PA 19610	Web

11/06/2013	No	Payday loan	Charged fees or interest I didn't expect	CA 94117	Web

11/06/2013	No	Payday loan	Charged fees or interest I didn't expect	CA 91403	Web	Older American

10/25/2013	No	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 90501	Web

10/25/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	WI 53095	Web