North State Acceptance, LLC CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
02/10/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 146XX
Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section XXXX05b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX12 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. NORTH STATE bal. {$4500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX81c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
03/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • TN
  • 37664
Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' North State Acceptance is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' North State Acceptance the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, North State Acceptance whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' North State Acceptance Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
04/26/2023 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
  • TN
  • 376XX
Web Servicemember
I got a XXXX with North State Acceptance XXXX of XXXX. It was repoed XXXX of XXXX due to medical issues and them not willing to work with me on a 30 days late payment. They took the XXXX back then XXXX of XXXX contacted me and asked me if I wanted the XXXX back I could pay XXXX $ and restart with them but I declined that offer. Around XXXX we went to court over the balance due after they sold the XXXX and I had a payment agreed made with courts. North State did not show up to court on the requested court date neither. I did a garnishment as dealing with this company was impossible. My garnishment was paid XX/XX/XXXX, that was the last payment taken from my account. From XXXX to XX/XX/XXXX XXXX XXXX still reported none payments to my account and showed a balance of XXXX XXXX I contacted the courts and they stated that there was a interest balance owed of XXXX XXXX I disputed the balance owed and the reportings of non payment to XXXX with no help. the whole time I was making my monthly agreed payments north state never reported it to the credit company and even disputed it they never fixed it. XX/XX/XXXX I contacted XXXX XXXX and made the payment of XXXX XXXX I spoke with a lady name XXXX, I asked her why they had not reported any payments made, why had they not reached out about a balance owed and why were they reporting a balance of XXXX XXXX Her response was the system doesnt take in account your payments and just reports no payment because you opted for garnishment and that their system was messed up. I asked her to delete once the payment processed of XXXX XXXX She sent me a email with a payment and that a deletion letter would be mailed to me in 30 days. First I never received the letter and second its still on my credit. Also how can a company report incorrect info to my credit and I provide proof and XXXX still not fix it. Then after I made the payment left I get a alert that North State reported a XXXX $ to my credit report. When I had a letter it was paid and should be deleted! I disputed this yet again with XXXX for them to state the info was credit. How is this possible??? I contact North State and get a young man who tells me that the system has glitch and is doing this to many accounts but that they will have it fixed by XX/XX/XXXX. My credit has been hit many times for incorrect information from a company that does not care they are hurting someones credit. I was told this would be delete and it has not. I want this remove due to the email I have stating deletion, due to the mupilte times they reported INCORRECT INFORMATION to my account and Experian allowed it. Even tho I showed proof.
03/29/2023 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • SC
  • 29229
Web
The company has stated that they had a right to run a credit report however they did not have my legal permission to run the credit report. Nor did they confirm my address needed for the credit report has they have not documentation from me that the address that they used was my physical address. As far as the 4 mileages concern, they have record that the address that they had on file was my correct address as the documentation they have uploaded has the correct address. As they have lied about the mileage distance from the old address to the new address. Both documents clearly have two different addresses. It is the company 's obligation to keep track and comprehend all the information that they receive and send out to their customers. Falsely accusing a customer of not holding insurance that was obtained at the time. You all repossessed the vehicle in XXXX, and I got the vehicle back the same day. Do make sure that your information is accurate. I had XXXX yes and you all still received money at the XXXXXXXX XXXX location before you all had closed that location. Then later accepting multiple payments past XXXX of XXXX per month. which I have receipts for to repossess the vehicle in XXXX and lie and say I missed a payment in XXXX after already receiving payment is scamming and horrible integrity has a company. Then you not only repossessed from my home. You sent me mail three days after the repossession that I owed a payment of XXXX and warning me of a repossession after i've been paying XXXX. My mother was listed as a reference not my legal address and you physically went and harassed her during the first repossession. By law in the state of North Carolina Fair Debt Collection Practices Act 58 70 100. Harassment. No collection agency shall use any conduct, the natural consequence of which is to oppress, harass, or abuse any person in connection with the attempt to collect any debt. By law North state acceptance should have contacted me and requested for permission especially putting a po box address as my address. For future reference since you have not received a notarize documentation from me with signature of an updated address and placed a non-resident address on my credit report after never receiving a written notice from me regarding an updated address. Also using my social security number without my permission especially since I had a credit freeze you illegally ran my credit on XX/XX/2023 during the freeze and used my social without my consent and XXXX has it documented, and it has been reported as identity theft. Now a fraud claim has been filed and lawsuit in action.
05/28/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • TX
  • 77080
Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX, GA XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Factual Data : :XXXX XXXX XXXX Hide Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX Virginia XXXX , VA XXXX ( XXXX ) XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX , FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : :XXXX XXXX XXXX Hide Details XX/XX/XXXX XXXX XXXX XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
03/28/2023 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • SC
  • 29229
Web
The company is not being honest. They have received the {$2000.00} in funds for a down payment for my vehicle which shows in my contract as contribution towards payment and receiving the vehicle. The company is being dishonest and fabricated distancing of my old address and full mileage between their and the updated address which was 18.9 miles as proven by gps. Then harassing my mother at a different address in another town after already knowing where I lived her house was located in XXXX 40 minutes away from where I lived. 4 miles is a lie. Also, this company clearly sent out information regarding money owed after repossession which is considered wrongful repossession. Also this company has now illegal ran my credit report without my consent or notifying and a lawsuit is underway for their bad business practices. Federal states it is illegal for a company to run a credit report without consent. Federal violations with this company include but are not limited to. Reporting that an account was active after it was voluntarily closed by a consumer, Inaccurate statement of balance due, doing a soft pull on my credit report without my consent on XX/XX/2023 I was not made aware or asked by North state Acceptance if they can run my credit report. I am now also seeking arbitration, Punitive damages. These are awarded to punish an agency, business or individual and deter them from violating the FCRA again. There is no limit on how much can be awarded. Attorney fees and court costs. You can have the cost of litigating the matter covered if you win your case.
09/29/2023 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 283XX
Web
After reviewing my credit profile on XX/XX/2023 | identified a discrepancy with account listed under NORTH STATE ACCEPTANCE and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XXXX the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct. I wrote to XXXX, XXXX, and XXXX requesting an investigation of the following accurate accounts reporting on my credit report 30 days ago The credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and venfied 100 % that the accounts listed below are accurate. However, the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score.
07/25/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08012
Web
I XXXX XXXX, certify that this is a declaration under the penalty of perjury, and acknowledge that this a statement of truth. North State Acceptance is knowingly and purposely violating my consumer rights. On XX/XX/2021 after seeing they were reporting a charge off of an auto loan to XXXX XXXX and XXXX, who are all 3rd parties to this consumer credit transaction ; I disputed the debt per 15 USC 1692g. The company responded via USPS on XX/XX/2021 that I need to provide them a police report which completely denies my initial request for debt validation. The lack of validation and continuance of reporting of my personal consumer info to XXXX violates 15 USC 1692g ( a ) and 15 USC 1692g ( b ). Also the term charge off is not defined under the FDCPA which now means that the reporting of this undefined term violates my consumer rights per 15 USC 1692e. North State Acceptance has also violated my consumer rights per15 USC 1692e ( 2 ), 15 USC 1692 e ( 5 ), 15 USC 1692e ( 7 ), 15 USC 1692e ( 10 ). All three major credit reporting agencies who are not affiliated with the federal government have all violated my consumer rights per 15 USC 1681b because I never gave them prior authorization or consent to collect this information on my credit profiles. This account must be removed per The Fair Debt Collection Practices Act from all three of my credit reports including XXXX XXXX, and XXXX with in 30 days of receipt of this demand for my consumer rights to be protected.
01/23/2017 No
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NC
  • 27834
Web
I am financing a car with North State Acceptance. I started making payments XX/XX/XXXX. I have problems initially before I purchased the car, mechanically, several issues. I 've only had the car 3 months or so and had to put another motor in it and a catalytic converter, a steering column frame, and cutting off issues. I purchased the car from XXXX in XXXX NC. On Sunday, XX/XX/XXXX, I woke up and my car was not in my driveway. My car payment is not due until XX/XX/XXXX and I am not behind. I called North State and asked if they had my car, and they said no. The gentleman said that I was up to date on my payments, which I already knew that. So i dialed XXXX and had an officer come out because I thought my car had been stolen. The officer on the case called me on Monday morning, today ( XX/XX/XXXX ) and told me that in his search for the car, he found that it had been repossessed by North State Acceptance by error. Mind you, I just spoke to a representative and they assured me that it was not them that took my car. ( XXXX XXXX ) Now, here I am having to get a ride from other people or cabs because of the negligence of North State Acceptance and their misinformation. Now I have to wait for them to bring my car back.
03/22/2019 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 279XX
Web
XXXX XXXX of XXXX NC financed my vehicle. My payment date is the XXXX of the month. You have 10 days to pay before a late fee is applied. I normally pay them with my 2nd paycheck before the late fee is applied. I am not behind on any payments. I am up-to-date & current w my payments. I work 8-5 Monday-Friday & i am not able to answer my phone. My voicemail states my availability. This company calls repeatedly. They leave messages but before I can respond they start to call me from unknown numbers & then they text. I become so frustrated and stressed that it deters me from responding bc by then my mental state is off from the constant random text messages and phone calls from unknown numbers. Just like many people i dont usually answer calls from unknown numbers. This company doesn't give you enough time before they begin to harass you. I have had this issue with them in the past and asked them not to text my phone. If they check my records of payments it's evident that I pay around the same time each month. This company harasses u and threatens to repo your vehicle before your 10 day penalty even comes. What can I do in this case?
01/22/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • XXXXX
Web
Contacted North State Acceptance XXXX on XX/XX/XXXX @ XXXX. I spoke with XXXX XXXX in the XXXX North Carolina office in regards to a vehicle that does not belong to me appearing on my credit report. She stated that she have no account based on me providing my social security number along with my first and last name and address. She asked for my social security number and I provided my social XXXX she stated she had nothing that matched my social security number. She advised me to contact XXXX XXXX from the Recovery department telephone XXXX, I contacted XXXX XXXX at XXXX XXXX, per XXXX XXXX there is no information based on the social security Address or name provided.. XXXX XXXX advised me to reach out to the credit bureaus which have been done on several attempts but this still remains on my credit report. This account does not belong to me and I would like for this acct to be Deleted immediately. This has damaged my financial state. Please delete Not my account. Delete from all bureaus.
03/10/2022 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
  • NC
  • 28216
Web
This account dates back to XXXX. Around 8 years ago. This was not my vehicle, this was my boyfriends vehicle. On top of that, the car is being reported as a repossession. This car was sold to another individual however no one was ever notified of the vehicle being sold or given any information prior or after the car was sold. Further more this was never my debt, I never agreed to be financially responsible for the vehicle. This debt has been reported improperly now for over and over for more than 8 years. The last time this inaccurate debt was reported on my credit reports was just in XX/XX/XXXX. Just a few weeks ago, this is incredibly damaging to my credit and has hurt me over and over when trying to obtain credit. I have pleaded with this creditor over and over asking them to prove that I owe this debt or to rightfully remove it from my credit and they have never once provided any proof however they decline to properly prove the debt or remove it.
09/16/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 37076
Web
This makes the second complaint against this company. Northstate is still sending information about a negative remark of some sort to the credit bureaus. Their excuse at first was that I was paying too early and needed to pay a day or two before the due date, so I began doing that. For the first month, I didnt get the negative remark. Now, once again the remark has reappeared on my credit information. I pay on time and have always prided myself with paying as early as possible for this company. Each month, I have to dispute this information with the credit bureaus and it has become such an unnecessary hassle. I constantly have to check my credit because Im afraid that this company has once again applied a negative remark. The company accepts no responsibility for applying a negative remark and always ensures me that I am an outstanding customer. I need this issue to be fixed and will continue complaining until it is.
09/27/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • MD
  • 20886
Web Servicemember
The closed paid charge off account was voluntarily deleted from my XXXX credit report. On XX/XX/20 I submitted a dispute to XXXX, XXXX, and directly to the company to request the deletion of the account due to it having been deleted from XXXX and also due to inconsistent and inaccurate information when comparing the reports. The company corporate finance specialist in response to my dispute informed me that the company is not responsible for reporting monthly account history ( number of days late and the number of charge offs ) or status and suggested that other accounts on my report were probably being included hence causing the inaccuracies. Both the report responsibility and suggestion I know to be false. I have only one other account on my report which is three weeks old and open. On XX/XX/20 the company added the closed paid charge off acct back to my XXXX report.
09/04/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account status incorrect
  • VA
  • 239XX
Web
After making my last payment, I was told nothing further was due and that I had a zero balance. Nine days later the vehicle was totaled and my insurance company submitted a check to the loan company for the majority of the loan amount. The gap insurance covered the remaining balance on the vehicle. I called to check on the progress and was told I owed nothing further and to allow the insurance and the gap to take care of the balance. About a month ago, a dealership asked me why I had a repo on my account from North State Acceptance, the loan company in question, and that they had written my account off with a balance due. After contacting North State and telling them the exact same thing Ive written here, they have yet to get back to me after Ive tried contacting them 4 separate times.
07/08/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • TN
  • 37076
Web
Each month since XXXX, I began paying monthly payments to North State Acceptance for a car loan, Ive been hit with a remark by the company which affects my credit score by XXXX points. XXXX XXXX shows that its because the balance was adjusted and increased. Anytime I call the company, I am told that they arent sure why its happening and that I just need to dispute the remark with the credit bureau. Although I have done that, it has now become a monthly hassle to have to deal with this and my credit is not catching a break. I pay on time and early and pay the full amount each month. My credit should not have to suffer because of a bad company. I cant help but think there is something shady going on and I am beginning to look further into legal action. Ill attach my payment history.
04/25/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • FL
  • 33126
Web
Hello. i bought in 2013 a dodge gran caravan in XXXX NC, where i was living .and at this time according the contract say and the history payment the got all money of the total of interest they show me when i signed.they say now something difficult that i can not understand, i would not sign such a robbery, they told me in XXXX because in that date my English was less than today, you are gon na pay this total of interest, i say okay, i sign for it.a month later, i noticed i have a GAP, i never asked that, a car with XXXX XXXX mile not need it.Now they wan na i continuing wasting my money .i signed for a total of interest, not that they are telling me now, i know my English is not good but please tray to understand me and i hope this prevent to another people fall in such scam.
06/14/2022 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
  • Their investigation did not fix an error on your report
  • MD
  • 20716
Web
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
08/04/2017 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
  • NC
  • 278XX
Web
I have disputed this unauthorized unknown inquiry on my credit report with reporting bureaus. It has not been removed from my reports, therefore I am submitting a formal complaint. I have never requested any services or funds from this agency. I have never shared my ssn or any other personal information with this company. I have never signed or entered any type of agreement with this company. I have never visited or applied for any services online with this company. I have no knowledge of this business, how they received my personal information, or why they are reporting on my credit report. Any and all information they are listing on my credit report is inaccurate and unauthorized by me.
08/16/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27526
Web
Since helping a friend and cosign for a car, I've noticed my credit has plunged. Payments are up to date and paid on time if not well in advance and over the actual payment needed. After investigating further into this, I was made aware that only three of nine payments made are being reported to credit score. I have tried everything to get off this loan, refinance, trade, simply take my name off and everywhere says the same. North state acceptance is not reporting to credit and I am simply stuck at this company and at their discretion which is illegal.
06/10/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
  • NC
  • 28562
Web Servicemember
I fell behind on my car payment which in my paper work states my payments are due on the 14th. I lost my original job because of Covid and I have being playing catch up on bills because Covid is limiting jobs. My creditor repossessed my vehicle after 30 days and are abusing my credit. They show up to my job and curse at me because of being behind for only 30 days. Which is my first time in the tenure of having the vehicle. I can barely keep my phone on let alone eat on a daily basis by kicking out this kind of money and still get repossessed
02/12/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • NC
  • 275XX
Web Servicemember
Bought vehicle in 2014. Voluntarily returned vehicle less than a year later due to poor condition and the cost to repair compared to value of vehicle. The vehicle had been repossessed from the previous owner and had not disclosed activity. The company then sold vehicle at auction, then charged off the account. Years after charging off account they updated a new balance on account with a different balance. XXXX has done nothing to fix this. The company keeps reporting every month that the debt is charged off but a balance remains?
06/17/2019 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 28215
Web
This collection account opened on XX/XX/XXXX but is reported a as a joint account with XXXX XXXX who is my deceased husband. I did not go on this as a joint nor should this account be reporting to my name at all. According to the XXXX report, the balance was {$14000.00}. The balance is shown on XXXX to be {$4600.00} as of XX/XX/XXXX. It is on my credit report as a Account charged off. {$4600.00} written off. {$5600.00} past due as of XX/XX/XXXX. This is not my financial obligation. Please remove from my credit report.
07/13/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 331XX
Web
I've contacted North State Acceptance several times this year in order to get the original contract for this alleged debt on my credit profile that I do not owe. I have not received a response for my request at all. This error is hurting my credit profile severely! I never received a auto loan for the debt in question. I never heard of this company. On my report it stated it was a repossession. I never had a repossession ever!
01/02/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NC
  • 28677
Web
I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act & XXXX XXXX UC_C. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. NORTHSTATE ACCEPTANCE has never proved this debt belong to me legally.
01/16/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • NC
  • 28376
Web
North State Acceptance is reporting a fraudulently obtained account that I 've disputed and have sent paperwork of the fraud. Please help me resolve this matter quickly. This is a violation of my rights as a identity theft victim and I 'm tired of the damages being caused because of the reporting.
10/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 275XX
Web
In accordance with the fair credit reporting North state acceptance 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 2 : 604 A section also states a consumer reporting agency can not furnish a account without my instructions.
06/06/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • NC
  • 28376
Web
I am a victim of identity theft. I have disputed an account with North state Acceptance and they continue to verify the debt as mine even after I submitted my original police report. I 'm now asking you to step in and help me resolve this matter before any further damage is done.
10/30/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27203
Web
Northstate acceptance took this account off of my report. Months later the account was put back onto my account after they voluntarily removed it. Filed a complaint with the cfpb and they stated it would be removed in XXXX. The account is still listed.
04/24/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • XXXXX
Web
On my credit report I didn't allow any of the companies listed to put any bad inquries on my credit report. I didn't commit any crime or gave anybody permission to list anything or did I wrote or sign anything to list anything on my credit report.
05/02/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • NC
  • 283XX
Web
I put down XXXX on my vehicle but it doesn't show like I put anything down it's showing like that was my credit down payment information was put out saying they or someone has to pay me that money back
01/12/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • NC
  • 27520
Web
Loans has been paid off. I have traded this vehicle with the title. This company is marking it as a charge-off and also saying paid as agree.
12/03/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Credit monitoring or identity theft protection services
  • Problem canceling credit monitoring or identify theft protection service
  • NC
  • 283XX
Web
Basically Im try fix my credit and Im seeing there accounts and things in my name that I know Ive never had myself!
11/22/2017 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
  • MD
  • 21208
Web
XXXX Inquiry from XX/XX/2017 There is no company information to dispute this inquiry on my credit report.
01/29/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • SC
  • 29605
Web
Opened XX/XX/2019 in the amount of XXXX I disputed with the company, this account wasnt open by me
07/12/2020 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28216
Web
I have already contacted the company regarding the claim. I do not owe. The debt is paid.
07/30/2017 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
  • NC
  • 28352
Web
Lost job couldnt afford payments Company picked car up from job Sold car now debt is owed
02/05/2017 Yes
  • Debt collection
  • Auto
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NC
  • 27610
Web
NORTH STATE ACCEPTANCE DEBT COLLECTOR DIDNT VERIFY COLLECTION, NO CONTRACT, NO SIGNATURE,
06/15/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 27203
Web
refuses to verify debt
12/19/2023 Yes
  • Vehicle loan or lease
  • Loan
  • Managing the loan or lease
  • Billing problem
  • VA
  • 243XX
Web
11/30/2023 Yes
  • Payday loan, title loan, personal loan, or advance loan
  • Installment loan
  • Getting the loan
  • TN
  • 37664
Postal mail
02/04/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • SC
  • 29229
Web
01/15/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 27295
Web Servicemember
10/05/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NC
  • 27295
Web Servicemember
05/22/2022 Yes
  • Vehicle loan or lease
  • Loan
  • Incorrect information on your report
  • Personal information incorrect
  • PA
  • 19121
Web
04/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • PA
  • 19116
Web
03/15/2022 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • SC
  • 29708
Web
02/07/2022 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
  • NC
  • 27127
Web
01/30/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • NC
  • 28312
Web
01/19/2022 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
  • PA
  • 19116
Web
09/28/2021 Yes
  • Vehicle loan or lease
  • Lease
  • Problems at the end of the loan or lease
  • Termination fees or other problem when ending the lease early
  • VA
  • 23452
Web
04/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • VA
  • 23430
Web
03/13/2021 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
  • VA
  • 23225
Web
11/09/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Loan balance remaining after the vehicle is repossessed and sold
Phone
05/14/2020 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • NC
  • 28333
Web
05/11/2019 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
  • NC
  • 27203
Web
03/20/2019 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
  • VA
  • 23503
Web
10/11/2018 Yes
  • Vehicle loan or lease
  • Loan
  • Struggling to pay your loan
  • Lender trying to repossess or disable the vehicle
Phone
05/12/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NC
  • 28401
Web
06/21/2017 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
  • NC
  • 28227
Web
02/05/2017 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NC
  • 27610
Web
04/14/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • VA
  • 23223
Web
03/22/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NC
  • 28351
Web Older American
02/16/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • VA
  • 23219
Web
01/05/2016 Yes
  • Consumer Loan
  • Vehicle loan
  • Managing the loan or lease
  • NC
  • 28212
Web
07/01/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • NC
  • 28546
Web
04/17/2015 Yes
  • Consumer Loan
  • Vehicle loan
  • Problems when you are unable to pay
  • NC
  • 28337
Phone
06/27/2014 No
  • Consumer Loan
  • Vehicle loan
  • Taking out the loan or lease
  • NC
  • 27513
Web
03/06/2013 Yes
  • Consumer Loan
  • Vehicle lease
  • Shopping for a loan or lease
  • NC
  • 28119
Web