National Auto Lenders, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30260	Web
NATIONAL AUTO LENDERS INC HAVE FAILED TO VERIFY THIS ACCOUNT ON XX/XX/2017. SO NOW IM ASKING FOR THE BELOW ITEMS OR THIS ACCOUNT IS FRAUDULENT PLACED IN MY NAME. I MY ALSO MAKING THIS REQUEST TO MEMBERS OF THIS FLORIDA CORP. ATT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt,
12/02/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33162	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONAL AUTO LENDERS, for committing identity theft. I have never given NATIONAL AUTO LENDERS, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with NATIONAL AUTO LENDERS and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving NATIONAL AUTO LENDERS any right to collect on this alleged debt. I have never received any documentation requesting validation from NATIONAL AUTO LENDERS, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If NATIONAL AUTO LENDERS, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NATIONAL AUTO LENDERS, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and NATIONAL AUTO LENDERS, continues its collection efforts, I will file for litigation for actual damages caused and NATIONAL AUTO LENDERS, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
03/15/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30082	Web
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. NATIONAL AUTO LENDER Last reported XX/XX/XXXX {$16000.00} Reported balance Highest balance {$21000.00} OVERVIEW Highest balance {$21000.00} Monthly payment {$650.00} 0pened XX/XX/XXXX In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 3. Please provide a complete account history, including any charges added for collection activity. You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
02/24/2018	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL XXXXX	Web
I have filed complaints with the XXXX and the credit reporting agencies in refrence to a data provider NATIONAL AUTO LENDERS. I requested to please provide physical proof so I can validate the account and the alleged alligations. National Auto Lenders States whats being reported is correct but has not to respond to my certified request to allow me to verify the account or send me anything inrefrence to this ccount to support their statement. Im only inforcing my credit rights per section 609, please understand im well within my rights to request and verify this information without being ignored or insulted for inforcing my rights. I have also made an attempt by phone and was advised that I will recieve a call back but unfortunitely again to my disappointment no one responded or call me back. I have attached the letter sent to National Auto lenders and reciept of successful delivary. *Please be advised, My request for deletion only supports the FCRA and laws thats inforced for inaccurate, incomplete, unverified and unproven statements and alligations.
12/29/2019	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	FL 33064	Web
I have paid my car loan in full ( $ XXXX+ ) with National Auto Lenders on XX/XX/2019 and it has been 3 months. We have not received our title and the lender has not send request to XXXX request for Lien Holder to be removed. They issued a Lien Satisfaction twice with incorrect information. However, it has been corrected, now XXXX XXXX Agency in XXXX XXXX, FL and XXXX XXXX, FL refused to accept it. They are stating we need the original title, which we never received. It has created a very stressful situation over the past week for my family and I. I would like to request if someone will please contact National Auto Lenders title department at XXXX and ask for the responsible party and ask them to submit the necessary request to remove their name from our title with XXXX so that we can obtain it without the hassle. It has been a bit of discrimination and hassle dealing with the XXXX workers in the local offices. We are not being treated fair compared to their same race of peers. Please investigate this matter as soon as possible. Thank you in advance.
10/17/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77009	Web
Originally I reached out to the company to remove accounts from my credit report. I provided them with all documentation that they asked for. I will attached them to this report as well. The account was opened dues to identity theft under my old name. My SSN and DL does not match their records. They have a completely different name on the contract. I show them my documentation but it look like the company instantly ignore my documents. They tried falsifying documents and had to freeze my account. I opened a police report against XXXX because of this issue. I will leave screenshot of this as well. I need this out of my credit ASAP or I will open a investigation against the company in court. Below you will find. They stopped responding to my email after sending them the documents they requested. I tried calling them to ask information but put me on hold for hours and cut the line. This insane that they do this to people and not fair. I will leave feedback open in case someone has the same issue with this scam company NATIONAL AUTO LENDERS
10/02/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 303XX	Web
Company violated numerous times FBPA- OCGA 10-1-390, XXXX XXXX XXXX XXXX, no title or title bond for 12mos, 7 temporary license plates issued illegally, violated FDCPA by contacting the names as references that were submitted as an addendum to my application, threatening them and giving them personal information about my loan. Reported the car stolen in XXXX XXXX while the loan was active. Illegally repossessed the vehicle in XXXX XXXX. Had to get an attorney, State of Georgia Used Car Commission, XXXX County Auto Theft department involved to get the vehicle back. Filed a civil lawsuit in XXXX XXXX against the XXXX XXXX XXXX. In XXXX XXXX they illegally repossessed the vehicle again, by acting in " self help '' BEFORE judge had granted an order. Quickly sold the vehicle w/o state grace period or offer for redemption while going through court proceeding in XXXX XXXX. Posted repossession to credit with an additional XXXX more than what was owed ... did not subtract the actual sale cost received from the vehicle in XXXX. Company is fraudulent.
05/08/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 783XX	Web
I have received an extraordinary amount of phone calls fr om National Auto lenders who are trying to collect a debt. The person who they are trying to contact no longer has the number they are calling. I changed my number and I received the number from my cellular phone company for the person who they are trying to collect money from. They call from several different numbers at least twice a day. The phone call starts out as a robocall asking you to either pres s 1 if you are the person they are looking for or press 2 if you are not. Pressing 2 caus es a disconnect. I have actually looked the company up on the internet and got the phone number for them. I called and explained the issue to them and asked that I be taken off the call list. They said they would and it would take up to 10 bu siness days. That was over a month ago. I do not owe this debt. I do not know the person who owes this debt. The person who they are looking to collect this debt from no longer has this phone number or is associated with this number.
03/14/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	FL 33325	Web
I obtained an auto loan with NATIONAL AUTO LENDERS , Inc. XX/XX/XXXX. They target individuals with low credit ratings and issue high interest auto loans. I questioned their high interest rates, my down payment and the original loan agreement, and was given the run around. This company is ripping people off daily. I made a {$7000.00} down payment made several advance payments for six month in advance. Principle loan amount stayed the same after 3 years. Contacted their office and questioned the interest rate and payout amount got the run around. After several attempts they told me that they had to send the request out to a different department and I would n't be able to speak to them directly. After no response to several request. I resulted in trading the vehicle in on XX/XX/XXXX in in order to get out of the bad loan. Worst customer service experience ever. I would like someone to investigate this company accounting practices and their affiliation with the local automobile dealerships.
03/10/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77063	Web
National Auto Lenders is reporting an inaccurate repossession on my credit reports. I have disputed this account directly with National Auto Lenders, and in return of my dispute I received a copy of a sales contract and no other documents. If they are able to report an inaccurate repossession on my reports, shouldnt they have a statement to prove all payments and fees? They should include the billing statement, proof of them notifying her when the car was sold, a letter showing how much the car was sold for and other disclosures. A sales contract is not proof of debt and if they can not provide valid documents to show how and why this account is reporting as a repossession, they do not have the right to report this account on my credit reports. I am requesting that all further documents be sent or this account to be deleted from my reports now!
01/27/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	FL 33023	Web
I lost my job due to the national disaster hurricane Irma I have a XXXX XXXX XXXX my loan amount is {$14000.00} left on it my father and I got a appraisal for the vehicle due to a prior accident on the vehicle history that the car was totaled its only worth {$9000.00} my father offer the best he can to pay the loan off which was {$12000.00} they to me and my father that they do not care about if I lost my job I shouldve never finance the car its a business. I told them I do understand its a business but things do happen thats out of our control and I know its something we can negotiate. Horrible company with even worst employees. They need to be reported and shut down immediately. Would NOT recommend anyone to do business with them.
10/31/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33801	Web
On XXXX XXXX 2016 National Auto Lenders repossessing a vehicle or fraudulent fraudulently I have recently found out through a copy of my title history report that they still own that vehicle they sent me a fraudulent deficiency balance notice saying that they sold that car so that 's how to prove that they never sold the vehicle and I want it removed from my credit report XXXX and XXXX has already removed it with information that I have sent only XXXX will not remove it with the information that I sent I am seeking you any type of monetary value that I can get from this fraudulent case but right now I just want them to remove it from my XXXX credit report I am uploading a copy of the title thank you
03/09/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33073	Web
i have a current loan and was wrongfully repossessed, i was advised that i had a deferment payment how ever no paper work received, to confirm, i was advised via phone deferment was approved .after submitting over XXXX in fees to recover my vehicle, Further more a tracking device was installed in my vehicle with out my consent ... .... I have ha numerous calls to my mother home after requesting 3 times to contact me only and provided a secondary number that i agreed for them to contact. This company has had numerous complaints I am not the only one I just want fair treatment per Florida state law.
02/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 33319	Web
In XX/XX/2021 requesting national auto lenders to validate debt because I have no knowledge of this account the company neglected to provide me with any documents they basically ignored my letter which is very disheartening. The company is allotted no more than 30days to validate the debt failure to do sure means they must delete this account. However, this company is still reporting this account on my credit report please help. By the way Ive also included a copy of my certified mail receipt indicating letter was sent
02/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33172	Web
I would like to request an investigation for this account NATIONAL AUTO LENDERS XXXX. The bureaus are reporting late payments on this account which I don't agree. I do not believe I was late on the dates you are reporting. I highly recommend you deliver confirmation that the alleged account was in fact late so you have the necessary practices to make sure you accurately inspect your accusations. This account was reporting a balance of XXXX and the status is already CLOSED.
02/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33172	Web
I would like to request an investigation for this account NATIONAL AUTO LENDERS XXXX. The bureaus are reporting late payments on this account which I don't agree. I do not believe I was late on the dates you are reporting. I highly recommend you deliver confirmation that the alleged account was in fact late so you have the necessary practices to make sure you accurately inspect your accusations. This account was reporting a balance of XXXX and the status is already CLOSED.
03/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30906	Web
I reached out to the company and asked them to provide me with documents showing my signature, how the loan was established and proof that the loan belonged to me. They advised me the loan was sold and could not provide any information. I disputed with XXXX XXXX and XXXX so that I could get the info and they advised me proof was provided but they could not provide it to me. I want this matter looked into because this company should not be reporting on my credit report
01/24/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77063	Web
National Auto Lenders is reporting an inaccurate repossession on my credit reports that I am not familiar with. I sent them a letter requesting validation of this debt and sufficient documentation on how they figured this account belonged to me and have not received any type of communication back. I am requesting that documents are provided for this debt and that this account is removed from my reports.
05/01/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 33023	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
06/03/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	TX 77070	Web
After submitting a good will letter 3 months ago along with calling the company, emailing and faxing documentation to remove late payments for my auto loan due to Hurricane Harvey and being without employment for 5 months, this company still will not help with my account by removing any of the late payments from my credit report with all 3 credit bureaus :
07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 777XX	Web
I have disputed this several times over the past 2 years and it has not been resolved. It is constantly working against my credit score. I am a business owner and my credit is very important to me. I pay all my bills on time. I have also contacted the creditor and have been told that it will be corrected and it has not.
04/29/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	FL 334XX	Web
Harrassing phone calls, during the times I specifically asked them not to call. Every time we speak I let them know I am unavailable at certain times, and it negatively affects my current job position. However, I still receive multiple calls, back-to-back, during the times i am unavailable.
03/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30501	Web
XXXX XXXX XXXX {$880.00} My social security number has been compromised and used as collateral BY XXXX XXXX XXXX and XXXX XXXX Please help me by deleting any negative items off my credit In accordance with the FCRA 15 U.S.C 1681 Section 602 A states I have the right to privacy.
01/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33172	Web
When Covid started I was given the option to not pay the vehicle for 3 months due to lack on income. When i checked my credit report it showed I was late 30 days not once but twice in XXXX and XX/XX/2020.
12/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75034	Web
Sent dispute letter on XX/XX/18 & they failed to mark disputed within 30 days on credit bureau reports, as required by law. See attached credit reports, proving that they failed to do so.
08/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23434	Web	Servicemember
XXXX XXXX XXXX is inaccurately reporting an open account. The account was settled in full XX/XX/2022. The balance nor comments have been updated to reflect updated status.
08/23/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33705	Web
XX/XX/2021 high balance XXXX balance XXXX I have asked to have this removed from my credit. I have never gone to this dealership
06/30/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33073	Web
This car payment has been paid in full since XX/XX/2015 it is still showing that I owe. This is damaging my credit
05/24/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30909	Web
I never received a copy of the contract. This company is also reporting an inaccurate balance
09/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34711	Web
I NEVER SOLICITATED LOANS
01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32210	Web

12/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33021	Web

03/11/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	TX 77064	Web

12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Problem with customer service	FL 33157	Web

09/05/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77009	Web

08/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77009	Web

12/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11235	Web

06/29/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	OH 45069	Web

05/10/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75134	Web

04/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32217	Web

09/14/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	FL 33173	Web

09/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33578	Web	Servicemember

06/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30350	Web

04/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77060	Web

06/04/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32839	Referral

05/01/2019	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 33837	Web

04/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33056	Web

04/03/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	GA 30021	Web

01/23/2018	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 75204	Phone

03/10/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30096	Postal mail

03/06/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	GA 30096	Phone

05/18/2016	Yes	Debt collection Auto	Disclosure verification of debt Right to dispute notice not received	FL 33177	Web

02/11/2016	Yes	Debt collection Auto	Disclosure verification of debt Right to dispute notice not received	TX 77072	Web

01/19/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33801	Phone

09/01/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	FL 33169	Web

03/03/2015	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	FL 33903	Web