NCD Financial, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 328XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX SS # XXXX Telephone- XXXX Date- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IDAHO Account number XXXX XXXX 15 U.S. Code 1605 - Determination of finance charge a ) Finance charge definedExcept as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. ( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. 15 U.S. Code 1666b. Timing of payments b ) Grace periodIf an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge XX/XX/XXXX Account number : XXXX To Whom It May Concern, Kind regards, XXXX XXXX
07/28/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	VA 23601	Web
I have been with NCD Financial since XXXX of XXXX and have notice that there is a huge issue with the Update Your Payment Option. Many of times I have submitted my new Payment Option to just come back to the site and realize it still hasn't update at all. This has happen again but only this time impacting my Credit Score causing my Credit Score to drop over XXXX Points. I just check the site again as im typing this and again. The payment option still not corrected. This has greatly impacted my immediate life being that im in the process of purchasing a home and at the moment hindering me. Also according to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I never received any of such yet a negative report were furnished on my report. Now under 15 usc 1981n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. All im asking is the payment option update process be corrected and this one time late payment be removed from my credit report.
12/08/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OK 73099	Web
I'm XXXX, I have XXXX, XXXX, memory problems due to XXXX XXXX XXXX XXXX. I thought the blender was paid off 2 years ago but it wasn't, so I called to try and see what I could do to settle the debt. I can't even afford to get food without my food stamps. After all my bills and rent are paid, I have {$12.00} that usually pays for my medicine, so i wanted to know what the lowest payment they could take, I could afford {$12.00} if I didn't get my meds and they refused to take it. They said they will sue me if I can't pay {$100.00} of my {$130.00} debt and if I can't pay them I will go to prison. I offered to give back the blender, it's in good condition but they said it's past that. They said I had till XXXX to pay or else they will sue me. They scared me so bad I had a XXXX XXXX and had to call the head of my health team to calm me down. They told me to pull up my XXXX XXXX XXXXXXXX and stop crying and pay. I asked for advice on how to get the money but all they told me is just pay. I don't have a way to raise money for this, I called to try and work it out but instead they verbally abused and threatened me with legal action. The head of my health team said that what they did breaks the law or something? And that I should report them. I was so scared that they were going to put me in prison because I can't afford all the legal fees they said they would put on me. I tried to explain my situation but they hung up. I am actually scared, I try so hard to not have debts, I try not to live beyond my means and this was such a shock. I literally had XXXX on the XXXX, and have no way to get out and try to make the money they want. I'm still so very confused and upset as to why this happened.
04/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY XXXXX	Web
I am a consumer pursuant to 12 CFR 1022.3 ( f ), 15 U.S. Code 1681a ( c ) NCD FINANCIAL LLC Identity theft 12 CFR 1022.3 ( h ) using my identifying information without authority ____________________________________________________________________________ i do understand NCD FINANCIAL LLC thinks they are a Furnisher of information and states they are required to furnishing accurate information, in fact pursuant to 12 CFR 1022.41 ( c ) ( 2 ) you can not be a Furnisher because you acting as consumer reporting agency as defined pursuant to 15 U.S. Code 1681a of the FCRA, My Identifying information pursuant to 12 CFR 1022.3 ( g ) ( 1 ) which is my name social security number, government identification number date of birth, pursuant to 12 CFR 1022.3 ( g ) 3 ) my account number which is a unique electronic identification number Used To identify me the consumer specifically, in conjunction with information regarding my transactions and experiences, which would be a consumer report pursuant to 15 U.S. Code 1681a ( d ) ( 1 ) ( A ) making Creditor NCD FINANCIAL LLC a consumer reporting agency due to the fact such information is bearing on my consumer credit worthiness, credit standing, credit capacity, character, general reputation, collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for credit and has a direct reflection on my credit score pursuant to 15 U.S. Code 1681g ( f ) ( XXXX ) ( A ) ( i
06/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AR XXXXX	Web
Since XXXX XXXX XXXX NCD Financial has been reporting account XXXX onto my credit without any explanation. i first noticed on XXXX of XXXX that I had acquired missed payments on my experian credit report for an account I am not familiar with. I reached out to the Company about possibly being a victim of identity theft and they did an investigation but continues to leave the account open in my name. NCD Financial does not even collect on the reported amount. I have not received any communication from the company by mail, phone or email. I don't know what to do to have this issue resolved, it has prevented me from getting approved for a car. I would like for a fraudulent investigation done on the reported account please.
03/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	GA 30294	Web
I been watching my credit report and my score inaccurate because my fico score showing XXXX XXXX but every site I got to credit karma or anybody its a lower score. And a bankruptcy is on my credit not suppose to be there at all.My XXXX not showing no Bankruptcy at all but XXXX and XXXX showing it with different inaccuracies information Im not familiar with and do not know of. I even have hard inquiries I did not do. Someone has stole my information a few years ago. And I file a police report and Im still going through a lot with some credit bureaus lying on me and showing inaccurate credit report. All three credit bureaus trying to ruined my life. I cant get anything.
09/24/2023	Yes	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem with the payoff process at the end of the loan	TX 78573	Web
I paid my loan in total for a full deletion from my credit report. I have the emails to prove the deletion from my credit report. After I paid {$300.00} the company only put paid in full on my credit report, which caused my score to drop XXXX points. When I tried to reach the company to hold up hold their end of the deal, they responded they could not delete this from my credit report.
10/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 93550	Web
I tried reaching out to the furnished to remove late payments because they are hurting my credit and I received no reply. Furthermore, I reached out to the credit bureau ( XXXX ) to just delete the profile from my credit since the furnished refuses and the credit bureau refuses. There is no balance owed on the account. Account is paid in full.
11/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46368	Web
The Company NCD Financial LLC is showing as an open account for over 2 years and it should be a closed account. This information is inaccurate! Also it is only showing on XXXX and not the other agencies of XXXX and XXXX. The company is NCD FINANCIAL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32818	Web
15 USC 1681 Section 602 States I have the right to privacy. 15 USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
10/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA XXXXX	Web	Servicemember
This company is reporting my account late and it is not late in fact I paid it in full last month when I called them to fix it they refused and said I had to wait until next month. This is illegal to report info inaccurately. And they took my XXXX $ then reported my account late my score dropped 75 poults
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 236XX	Web	Servicemember
In accordance with the fair credit reporting act, NCD FINANCIAL acc # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
06/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33025	Web
I contacted NCD about the account still showing on my report and was told to contact the Credit bureau. I then contacted the credit bureau and was told to contact NCD. I spoke with the manager @ NCD who was very helpful of closing the account and paid in full.
11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34286	Web

06/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06514	Web

06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11225	Web

04/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	HI 96813	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33301	Web

07/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77459	Web

06/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60901	Web

04/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30338	Web

03/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08360	Web

03/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33319	Postal mail

02/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 08312	Referral

01/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32835	Web

01/08/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60440	Web

12/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34747	Web

11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30097	Web

08/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95757	Web

07/17/2021	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	TX 77044	Web

05/07/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Information is missing that should be on the report		Phone