NEW CITY FUNDING CORP. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/16/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 122XX	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : NEW CITY FUNDING CORP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
12/15/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	VA 22602	Web
XX/XX/XXXXXX/XX/XXXXDisputes Department/New City Funding ( mailed, emailed and called ) Re : Final Dispute, Urgent, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Credit File, SSN XXXX, DOB XX/XX/XXXX To Whom It May Concern : Ive tried my best to be patient and refute an unlawful line recording on my XXXX file. XXXX has repeatedly reaffirmed third-party information that is insufficient and unverified as evidence, violating my rights to fair credit reporting, year after year. I've already iniated the process to sue New City Funding for violation of Virginia state and federal laws. I request that New City Funding and XXXX take the following steps immediately : 1. Please provide me with copies of the original signed documents indicating the interest rate as well as the warranty for the items reported by New City Funding, before the latest date allowed by law. This includes contracts and service agreements they claim I signed and the truth in lending disclosures ; 2. This loan was and is unlawful and thus unenforceable in its prolonged, false and unfounded reporting, but also in its origination and continued demand for payments. Per Virginia law, section 6.2-303. ( Effective until XX/XX/XXXX ) Contracts for more than legal rate of interest, as well as Virginia Law Section, 6.2-303. ( Effective XX/XX/XXXX XXXX Contracts for more than legal rate of interest ; 3. The initiating entity that worked as an intermediate party to New City Funding is no longer in business connected to their unlawful operations ; 4. The automobile was not repossessed but was surrendered voluntarily as faulty because it was not drivable and repairs that were required ( but not revealed at the point of sale ) cost more than the vehicle. As such, I returned the automobile with an understanding I wouldnt be responsible for future payments. Two mechanics stated it looked to have water deterioration, common of cars at the site of hurricane/flooding. If the aforementioned requested material is not available, please know the validity of the New City Funding entry can not be established. Please remove them from my credit history and discontinue all collections and close file. This auto aas secured in XX/XX/XXXX and I surrendered it a few months later because it could not pass inspection and wasn't drivable. The negative impact this reporting had on my life is immeasurable. I tried to fight back but lost my daughter recently before and was disoriented because of my state of mind. New City Funding and their partner dealership exploited my situation and have continued attempts to collect on this illegal loan. I'm not the person I was this, however. They in fact continue reporting as of the loan is active. That was nearly 7 years ago. This is wrong. Thank you for your time and attention to this urgent matter. I hope this can be resolved quickly and fairly because Ive exhausted all attempts and Im now proceeding to legal action. XXXX XXXX XXXX XXXX Cc : Law offices, Virginia Attorney General, Consumer Finance Protection, XXXX XXXX XXXX
11/30/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NY 14612	Web
Consumer law rights I XXXX XXXX and XXXX XXXX will like to exercise our rights. New City Funding is claiming to have being there during the sale but that is a lie because we were on the phone with them at the time of the sale and XXXX was required to be put down. Which is unfortunate because they were suppose to exercise the truth and lending law 15 USC 1622b. Now 15 USC 1692 F states it was illegal for them to repo our car - ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. New City Funding disclose our information to a nonaliated third party.The company thatrepode our car there was no contract in place. Nor were we given a non-disclosure form. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) Notice requirements Except as otherwise provided in this subchapter, a nancial institution may not, directly or through any aliate, disclose to a nonaliated third party any nonpublic personal information, unless such nancial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A nancial institution may not disclose nonpublic personal information to a nonaliated third party unless ( A ) such nancial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Another law I would like to add is 15 USC 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. Now it's a 1,000 per violation.
01/09/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NY 121XX	Web
I Cosigned for a loan on a vehicle for my father in XX/XX/XXXXXX/XX/XXXXThe purchase of the Vehicle was for $XXXX we put down $XXXX and made 6 payments of $XXXX totaling just over $XXXX dollars leaving the remaining balance of $XXXX dollars The car Had actually broken down and the engine blew due to being faulty the dealership the car had been purchased from blew the check engine light prior to us purchasing the vehicle they had since been turned into the better business bureau and to my knowledge closed down. they repossessed the car and then auctioned it off for $XXXX bringing the balance down to $XXXX when I had last spoken with the financing company NEW CITY FUNDING they had advised me I was the main signer on the account and the would be coming after me for the balance which at that time they had said was about $7,000 I said absolutely not, not only is there no way it's XXXX XXXX but I also Am not the main signer on this loan I asked the initial amount They would not tell me the initial amount of the loan and kept telling me this was the amount owed due to late fees I told them that is not acceptable not only do they have the incorrect information about whom the main signer is but there Is no way It was up to $XXXX dollars I told the women on the phone not to contact me again until they have the correct information. This was the beginning of XX/XX/XXXX I have no heard anything from this company until they called my Boyfriends cell phone yesterday XX/XX/XXXX and left a message on his voicemail with my name and account number which to me is unacceptable because he has not ties to anything of mine what so ever so for them to even have his phone number is not okay. I then called the account manager XXXX whom then told me that They were going to be garnishing my wages and they had gone to court which I had absolutely no knowledge of and they are also saying I now owe XXXX for a vehicle they repossessed so after paying them off I wont even have the vehicle also They are not even going after my father the would not tell me if they have had any contact with him and I had to argue with the women for almost a half hour with her trying to disconnect the line multiple times for her to tell me the initial loan was for $XXXX which I never ever signed any paper work for an $XXXX dollar loan I would've told my father no way!
10/28/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NY 122XX	Web
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even st ricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX
09/12/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NY 122XX	Web
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX
07/01/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MA 02780	Web
I applied for consumer credit to purchase a vehicle at XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I acquired the vehicle. I received a certified mailing on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX which contained a Notice of Repossession and Sale of Merchandise, Rights of defaulting buyer under The Massachusetts Retail Installment Sales Contract. This said letter was addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX. The letter advised that advised that I was in default under the contract listed above, and due to that default, New City Funding Corp has repossessed the vehicle and will sell it by auction on or after XX/XX/XXXX. The letter also included other information such as stated ; a. Name on Account : XXXX XXXX XXXX b. Collateral : XXXX XXXX XXXX XXXX # XXXX XXXX Account # XXXX d. Past Due Payments on your Loan : {$700.00} XXXX Accrued Late Charges : {$10.00} XXXX XXXX Fees : {$370.00} g. Total Amount Due to Redeem : {$1000.00} h. Total Loan Balance Due : {$5700.00} I responded by certified mailing Tracking # : XXXX which was an Affidavit delivered and signed by them XX/XX/XXXX with a demand for property as well as a conditional acceptance of the alleged debt upon validation and proof they were the original creditors and to proof it with records. I never received a response. I sent again a XX/XX/XXXX certified mailing # # : XXXX received by New City Funding and signed for on XX/XX/XXXX advising they had not responded to my affidavit and demand, nor had they returned any of my property and were now in default. I still received no response. I again sent a default and opportunity to cure on XX/XX/XXXX since we had been in COVID and a lot of business were closed. This certified mailing # XXXX was XX/XX/XXXX and was signed for on XX/XX/XXXX and they have since sold the vehicle, and claim I owe the rest which has affected my ability to obtain credit. Then they have reported payments to keep the activity date recent, still report I owe an alleged debt, have never given me credit for which I originally applied as well as charged fees for return, repossessed vehicle without an opportunity to cure or rectify. They have robbed me of my property, my credit, and my ability to obtain additional credit, my time and value.
05/02/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 13502	Web
In XXXX of 2016 I purchased a car from XXXX In XXXX NY about 8-9 months after I purchased the Vehicle I traded it in and the amount owed from the loan from New City Funding was added to the new loan from dealership. New city funding is stating that this vehicle was a voluntary repo and has this loan on my credit report as delinquent and I have reached out to New City Funding for them to show proof of voluntary repo which I still have not got they stated during a call that the dealer had called and said I gave the car in as a voluntary repo when I spoke with the dealership they stated that is incorrect. When I requested a copy of the certified letter New City Funding is required to send when a vehicle is repoed with the amount that was owed with proof of what the vehicle was sold for after the alleged voluntary repo and I have yet to receive anything from them and it has been well over 2 years. I have also filed a complaint with the XXXX and New City Funding has not responded to that report either. Also New City Funding stated on my credit report that the starting amount owed for the vehicle was {$6000.00} and that there was 8 payments made in the amount of {$250.00} which would be a total of {$2000.00} which would bring the balance down to {$4000.00} and they stated when they got the vehicle they sold the vehicle at the auction and I now have a balance of {$3900.00} on my credit report. Which if this vehicle was a voluntary repo there would have to be papers I signed to turn the car over to them as well proof of service for the certified letter to be sent which they do not have because I did not voluntarily give the vehicle it was a trade in and I was never served or received a certified letter from new city funding and I have attempted to get documentation from them for over 2 years and still no documents.
08/08/2019	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	MA 01702	Web
On my first complaint I told new city funding that the auto loan that I had with them wasnt discharged in bankruptcy, they are claiming that it was but that is incorrect because if an account is discharged in bankruptcy, it doesnt have to be paid because it was discharged, I filed for bankruptcy chapter XXXX so that means that all of the accounts that were included in my bankruptcy I didnt have to pay any longer because they were discharged, now I paid this auto loan in full, every single payment were taken out of my bank account, so if I paid this account in full using my own money, how can new city funding tell me that it was discharged in bankruptcy. If I discharged this loan in bankruptcy how come I still have the car? That is my question to new city funding, I was a great costumer to this bank and they are doing me so wrong by not telling the truth, even the documents that they sent me, if you look at each of the payments, they were made as they were agreed to. I want new city funding to proof to me that I did them wrong on this account, if they have any proof showing that I didnt pay this account in full I will stop complaining about this matter, this is no way to treat costumers, I will contact the attorney generals office and I will also file a complaint with the XXXX, XXXX XXXX XXXX, if this account isnt corrected because new city funding know very well that I never missed any of my payments on this car. The FCRA says that all information on a consumers credit file needs to be 100 % accurate and right now this account isnt being reported accurate at all. This bank or any other bank for that matter have to obey the FCRA and go according to what they say. I will also consider legal action in small claims court against new city funding for wrongfully reporting this account to all the credit bureaus.
07/16/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	MA 018XX	Web
I recently noticed this delinquent account. I assumed my insurance had paid everything after I totaled my car because I never received a bill or any accounting. I can not possibly owe this much! Also, you are describing this account type as a loan when in fact the alleged agreement is known by its governing laws as a credit sale. There is no loan agreement in place. No goods or money have been loaned. I'm pretty sure it is a violation of the FCRA to knowingly furnish or report false information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. 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. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
09/24/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NY 14612	Web
On XX/XX/2022 XXXX XXXX XXXX and XXXX XXXX signed a contract. We did read the contract everything seemed to be okay. We're weren't able to ask the finance XXXX to many questions. However I have became aware that I am a federally protected consumer under 15 usc 1601 ( TILA ). So furthermore the new knowledge I have applied when reading over my contract I have seen some inconspicuous things. Starting with 15 USC- finance charge the consumer credit contract gives a definition I wasn't fully aware of what the finance charge was suppose to entail. The US code tells consumers the finance charge '' The finance charge should be determined as the sum of all charges ''. And further states " The finance charge does not include charges type payable in a comparable cash transaction ''. New City Funding failed to perform by making this clear and conspicuous to me. According to " FINANCE CHARGE '' in the TILA disclosures in the " MOTOR VEHICLES RETAIL INSTALLATION SALES CONTRACT. The finance charge is XXXX but on my credit it was noted I owed XXXX. Also in 15 usc 1605 ( c ), charges or premiums for insurance, against loss of or damages to property or against liability arising out of ownership or use of property shall be included in a finance charge. Unless otherwise permitted. New City Funding consumer failed to make this disclosure to me as well as another violation I notice was 15 usc 1662 ( 2 ) regarding the advertisement of down-payments. I was told by mikes auto sales, New City Funding would not accept my credit application unless I had a down-payment. One more violation New City Funding Presented they threaten to garnish my wages seized property under FDCPA section 807 they do not have the right to do that and it is a XXXX fine.
05/05/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 132XX	Web
I XXXX XXXX, The real XXXX XXXX validate that i am the original creditor. I attached my social security card # XXXX for identification verification purposes.I have the sole power and control over anything that involves MY CREDITOR because no credit can be created with me. I was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. Please understand that i attached my FTC REPORT # XXXX and I also attached an invoice for all the damages i received due to the violations that your company is guilty of. 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, which is technically Identity Theft, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. Furthermore, This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. Also I have not supplied proof under doctrine of estoppel by silence, XXXX XXXX XXXX XXXX MO XXXX 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. I demand that the following accounts be removed immediately.
04/11/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NY 131XX	Web
I applied for a vehicle loan and was told that I had a repo from new city funding. I have never had a loan through them, so I checked my credit report and did n't see it, finally I found it. Only listed on XXXX of the credit agencies. Somehow I was added to a loan in my fathers name fraudulently, most likely though the dealership he purchased it from ( which is no longer in business they were shut down due to fraud ) they had my information because I almost bought a truck from them. ( XXXX in XXXX ny ). On XXXX 's credit report for me it shows it was updated in XX/XX/2017 with the creditor new city funding stating the amount owed on the loan is {$6700.00}. I reached out to new city funding in hopes to get this removed off my credit report by just settling the debt for my father. I offered them {$4000.00}. they replied back and said the total amount owed was {$11000.00}. Which is not the amount owed. It also states on my credit report that the original amount was {$8000.00}. They have recovered the vehicle and sold it at auction. So with that the debt would go down. No way the debt is {$3300.00} higher than the original amount. I called them out on this with photos of the credit report, now they refuse to reply to me through email. I wanted to talk to them through email so that I had my own record of everything they said. This company is trying to take advantage of people.
09/02/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NY 14606	Web	Older American
On or about XX/XX/2022 I received a letter from XXXX XXXX, XXXX XXXX XXXX, advising me of a car that I was supposedly co-signed for. For a whole month I tried calling them to get the information about this car, however still no one called me back. I then called and spoke with the receptionist who allowed me to speak to a lady by the name of XXXX XXXX. I explained to XXXX that I never co-signed for no one, she said that they had my signature. XXXX said that she was not the one who was handling the case and that she would have that person call me. As of today, XX/XX/2022 I have yet to hear from that person. However on XX/XX/2022 I received a copy of the contract in the mail, and as I said I did not sign anything, the signature is not mine. I then called the bank, New City Funding, who told me the same thing it is my signature. I told them that it is not my signature and they said it is a civil matter and I needed to take it up civil court. In the past I did buy 2 cars thru them and paid them both off I asked them to look at the signature on those two loans. I asked them to send me a copy of those contracts and I guarantee them the signature is not the same. The signature on this loan, # XXXX is absolutely positively not mine.
06/17/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NY 14450	Web
I suffer from XXXX XXXX XXXX XXXXXXXX and XXXX as well as XXXX XXXX XXXX which is greatly agitated by stress. I have reached out to lender to explain to them that once the funds are available I will make a payment. They requested that I reach out to them and I have reached out to them to request that they no do not call me. The individual that I spoke with states that he would not be able to comply with that request as I owe them money. I explained to him that I did not say that I don't owe the money however, would rather not to be contact as I will reach out to him when funds were available. Lender states that he does not have to comply with my request as he is not a collection agency. Although correspondence states otherwise. Unwarranted calls are detrimental to my mental health. Representative that I spoke with on the phones states that he does not have to comply with my request as I owe them money. I explained that I did contact them to inform them that I would make the payment, already and is not necessary for them to call as I will reach out to them when funds were available. XXXX XXXX Legal Collector Legal Department New City Funding Corp . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/25/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	NY 109XX	Web
I sent letters out, and call and still no replies to get this Charge off and Closed Accounts off which make no sense .Account shows charge off and was paid.l completely off. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. New City Funding Account # XXXX, has violated my rights. XXXX XXXX CO Reference # XXXX, 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. 9a0950 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information inaccurate
07/30/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	FL XXXXX	Web
On XX/XX/2019 I went to XXXX XXXX auto dealership, to find a vehicle, I applied on their application, they referred me to New City Funding for a loan, for the purchase of the vehicle, I was instructed to give. a {$3000.00} down payment for the vehicle, so I did, as we were going through the retail installment contract, I was instructed to initial certain areas not understanding what they mean all I knew was Im getting my car, after finally paying off the loan, I started to study new material, thus me learning that any dealership asking for a down payment in a consumer transaction is illegal along with a list of violations according to the truth and lending act. I was never given full disclosure that I had the right to rescind the contract which I have done, certified mail, with a copy of the contract, which is marked up with the USC violations and fines I have given them 20 days to respond and havent received any knowledge on the matter
06/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 01109	Web
Im writing because I noticed that my most recent credit report contains New City Funding Corp as a Paid Charge off Collection. I was in a rear end front end collision and the vehicle was totaled out and was unaware I was still obligated to continue to pay the car off in full. I thought that was up to the insurance company. I want you to know that I understand my financial obligations, so I paid it off in full in 2018. I would have an excellent repayment record. I am planning to apply for a Mortgage Loan, and it has come to my attention that the missed payments, and charge off status on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to delete the account from my Credit report. Thank you for your consideration, and I hope you will approve my request.
06/02/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	AR 723XX	Web	Servicemember
I called New City Funding in XXXX XXXX, XXXX repeatedly asking for help because the truck was dead and would cost {$4000.00} to repair. I had been with them for almost 4 years having paid off a first loan and getting a second that was almost paid off. The principal having been paid and {$1500.00} interest remaining. I told them to come repo the truck. They said it wasn't worth it. To scrap it. So I did. I also explained, before this, that I'm on XXXX and can't make 2 vehicle payments. The employee named XXXX just said, after repeated calls that I've asked them to not make and only contact me by mail, that he would call me " every day for 25 years '' since I was not making the payments. I'm tired of being harassed by multiple phone calls.
06/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 144XX	Web
Try to dispute an account that is over 7 years old. New City Funding repossed the vehicle in XXXX and wrote it off. They now after 7 years are coming back and adding it as a new account on my credit report with XXXX. I tried disputing it twice throught XXXX both times they came back and did not remove it. They have documentation on file showing this account is past the 6 year statute of limitations in the State of NY. NCF wrote off the account and are now trying to double dip 7 years later and XXXX is refusing to remove the account from my file. The amount of the write was {$2300.00}. The dates I contacted both companies was XX/XX/XXXX when the account was noticed on my report and again on XX/XX/XXXX. The account still remains
09/16/2022	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 Problem with personal statement of dispute	NY 130XX	Web
I have a repossession on my credit report that I have been trying to dispute through XXXX and remove as its beyond the 7 years of its statute of limitations with New City Funding. The date the account was opened was XX/XX/XXXX for {$3000.00}. The vehicle was repossessed in XXXX for remaining balance of {$1600.00}. When I disputed in the past the reporting agency came back and said it was a verified debt until XX/XX/XXXX. I recently disputed it again as its beyond 7 years old and they still wont remove it. Please have them remove it. I feel I have paid the price with the harm its done to my credit score for the last 7 years and it is my right to have it removed.
04/15/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 010XX	Web
NEW CITY FUNDING KEEPS PUTTING THIS ON MY REPORT WHEN THIS WAS MY MOTHERS CAR. At the time she got this car I had my permit, and I never agreed to be a co signer I agreed on being someone they will call if she doesnt pay her bill. I just got my liscense in XX/XX/2018 this car was taking out a year before that, Ive contacted them multiple times telling them this and they tell me theirs nothing I can do but take my mom to court and Im telling them I never signed any documents and even so I didnt have my liscense so how could I be a co buyer. What further action can I take now becaus this isnt my responsibility and its affecting my credit!
08/30/2023	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	NY 146XX	Web	Servicemember
This company is reporting on me and I don't have no idea who these people are they put a judgment out on me and these people here I don't have no idea who these people may be these people could be scheming I know I have went through an identity theft everything supposed to be frozen but these people keep coming at me with some judgment and I don't know who these people is they're harass me and you need to have them stop and pull that judgment off me it doesn't make sense by the god of judgment on me and I don't even know who these people are contracts and all that might be fake check this company out
01/10/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 34747	Web
I have been having some problems with payment issues with the company. I requested a ledger a week ago to verify where the payments have been going. I did not receive one. After a week I called back to ask where the ledger was. I was then able to get one emailed to me finally. Without giving me time to properly go through my finances for the previous year and getting back to them, they decided to threaten me to get the info I needed by XXXX tonight even though I told them that my Fiance does not get home until after XXXX and we still need to go through the information.
07/24/2019	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	MA 01702	Web
Theres an account that was included in my bankruptcy that wasnt suppose to be, I had an auto loan with New City Funding around 2016, I paid the loan in full as agreed but for some reason that account was included in bankruptcy and that isnt correct, I contacted New city funding and asked if they can update the account on my credit report to say paid as agreed never late but they didnt seem to care because the account still has the same status of discharged in bankruptcy. I want the account updated or deleted from my credit report.
03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10025	Web
Back in XXXX I pulled my credit report finding accounts that I had no recollection of doing business with. One of the accounts that have stuck on my credit profile & continuing to hinder my approvals for bank accounts as well employment is NEW CITY FUNDING CORP . This account was opened back on XXXX ' XXXX XXXX. After disputing the account they did not provide any validation, rather serve me with a summons at someone else 's address, with a contract that has my partial name, as well a signature that isn't mine.
11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 137XX	Web
There is an auto loan that was taken out on XX/XX/2018 in the amount of {$5600.00}. The loan is through new city funding. It was partially paid then charged off. This is not my account and most definitely fraud. You cant even buy a new car for that price. It shows that its an SUV. I have never owned an SUV in my life. I disputed it, but the company maintains that its my loan without providing the proof Ive requested. They simply ignore me.
08/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 14207	Web
accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnished an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
04/11/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	SC 290XX	Web
I have reached out to New City Funding Corp to request copies of all contracts that were obtained in my name. Under the FCRA these creditors are required by law to provide documentation and notice of these accounts. I have called, sent multiple letters, and send multiple fax. I have not authorized this vehicle loan to be placed in my name and request that they be removed immediately or I will seek to pursue legal action.
01/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 14020	Web
I wanted XXXX to investigate this but no response from them so Im here because i believe there is a violation against this company for reaging this account and Im sure they didnt take the money off from my gap insurance and when they sold the truck but I would like you guys to investigate this for me and would like this account immediately deleted from my credit report thank you
07/23/2016	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	NY 14094	Web
This is a debt from 5 years ago it was voluntary given back to them saying still owe debt but he is not telling me exactly how much I owe told me had to make a payment before telling me how much I I owe and told me had to give him a routing and account number which I do n't agree with said would n't take credit card not giving my personal bank account information
08/14/2022	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 34601	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX ( Sub # XXXX ), 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 2 : It also states a Consumer reporting agency can not furnish a account without my written instructions.
09/29/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NY 140XX	Web
I am one payment of XXXX dollars behind my loan company called today on XX/XX/XXXX told me XXXX u its up for repo and hung up on me I plan on paying it as soon as I get paid next week Wednesday when ill still be only one payment behind I have been sick and in and out of work due to XXXX
05/05/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	NY 146XX	Web
you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
09/24/2020	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MA 02721	Web
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
04/23/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	MA 025XX	Web
I financed a vehicle in XX/XX/XXXX-XX/XX/XXXX and had car issues days into the loan then the loan was cancelled and was no longer active but it still shows it on my credit report and I would like for it to be cleared off.
01/29/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NY 147XX	Web
The agreement implemented XX/XX/2017 on a used vehicle purchase. the loaning companies truth-in-lending disclosure form is fraudulent the numbers are all wrong and doesn't add up
09/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23464	Web
Defamation of character, reporting in accurate information about me. Reporting a charge off account from years ago as current and owing when its charged off. See attachments
06/29/2023	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	AR 723XX	Web	Servicemember
In my previous company about their bully of a collector they said they would stop contacting me by phone and they haven't! Attaching screen shot from today.
01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 14624	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 14624	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 14227	Web

12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23518	Web

09/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 14608	Web

09/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23518	Web

06/27/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Old information reappears or never goes away	NY 14227	Web

05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 18424	Web

03/10/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NJ 07305	Web

02/06/2023	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 14621	Web

11/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NY 14621	Web

02/02/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02740	Web

11/17/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	NY 10459	Phone

10/30/2021	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	NY 11703	Web

10/18/2021	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account information incorrect	PA 17070	Web

09/30/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02740	Web

09/16/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NY 14616	Web

08/12/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NY 14301	Web

06/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10940	Web

03/30/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	NH 03055	Web

03/26/2021	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	MA 02721	Web

03/26/2021	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	MA 02721	Web

03/26/2021	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	MA 02721	Web

03/26/2021	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	MA 02721	Web

03/13/2021	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 14605	Web

02/02/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	NY 14616	Phone

01/22/2021	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	MA 02721	Web

01/22/2021	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	MA 02721	Web

01/22/2021	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	MA 02721	Web

10/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23464	Web

07/27/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NY 14590	Web

05/07/2019	No	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	NY 12466	Web

12/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NY 14624	Web

09/05/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Confusing or misleading advertising or marketing		Phone

09/05/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MA 01905	Web

03/07/2017	Yes	Credit reporting	Incorrect information on credit report Account status	MA 01742	Referral

03/02/2017	Yes	Credit reporting	Incorrect information on credit report Account status	MA 01742	Referral

01/10/2017	No	Debt collection Auto	Communication tactics Frequent or repeated calls	GA 30294	Web

04/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33169	Referral

03/09/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	NY 11738	Web

02/08/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NY 11738	Web

12/07/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NY 13208	Web

12/02/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NY 14513	Web

09/03/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NY 14425	Referral

05/06/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NY 14220	Phone