| 09/17/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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BEWARE!!! I purchased a car from overland bond investment Corp ( XXXX IL ) in XXXX to start building my credit. But it has done everything but build my credit. Initially when I got the car they was reporting to 2 major credit bureaus now they only report to XXXX that was the beginning of the nightmare. Fast fwd to XXXX I found that the company had NOT reported my ON TIME payments to XXXX. When I reached out to them they got very upset and didnt take my concerns seriously. I disputed the inaccurate information with XXXX it was updated after 6 months of going back and forth having to prove my self. Fast fwd to Mid XXXX the pandemic hit I was effected by it and my job had dropped me down to part time/ the company humiliated me by making me submit that information just to reduce my car payment from {$230.00} bi-Wkly to {$130.00} a few months ago I was completely let go and couldnt go back to work do to personal injuries on top of Covid I still remained paying the agreement payment plan we made which was XXXX but when I noticed that hadnt been reporting to the credit bureau again for the SECOND time I reached out to the company they got very upset again they ignored numerous emails/calls. I have all my paper trial. When I disputed it with XXXX and the XXXX they got furious and updated my credit report saying Im delinquent which wasnt the agreement they was supposedly helping customers effected by Covid which I still currently am. Not only is it cruel to do this to a customer whos trying to stay honest I was jus trying to get my credit report updated because I take my credit serious I pay my bills on time. Its funny the company responded the same day when I reached out to the XXXX but never responded to personal emails or phone calls? And now all of a sudden because Im reporting your negligence they want to say Im behind on my note and its now effecting my credit score and worthiness which is negatively effecting my family I have XXXX small children and trying to make a living. I would like them to completely remove the account from my credit report. If I was behind on payment what company lets you owe over XXXX in back pay!? Why wasnt the alleged past due balance reported last year? Its clear your company is making false allegations because a customer does their research and found out youve been taking payments on a car thats wrote off and not reporting to the credit agency accurately! I still havent received a phone call from them! Horrible customer service. Zero benefits and on top of it they charged 3x the amount they should be allowed to! Their loan sharks taking advantage of tax paying citizens! I wouldnt recommend this car if you was XXXX standing in a blizzard
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| 04/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello Ive recently purchased a XXXX XXXX XXXX from a small car lot called car credit in XXXX XX/XX/XXXX. My finance company which is OVERLAND BOND financed me for a little over XXXX $ for my car. I only purchased the vehicle because I was trying to start building my credit to buy a home next year. Ive been making my payment ON time since I have had the car. But received nothing but poor customer service and attitude. I was recently hurt on the job XX/XX/XXXX and was out of work for 4 months. Still making every payment on time all to find out that XX/XX/XXXX was the LAST time they reported my payments to the Credit bureau XXXX. My payment is due twice a month with the amount of XXXX $ bi weekly. I noticed my credit score didnt really go up and I also have 2 credit cards that I pay on time every month. So this last time I made my payment last Wednesday I asked the agent who took the payment how come my credit score hasnt went up from making my payments on time she then expressed to me that their system has been down since XX/XX/XXXX. I was disappointed because Ive been working so hard to build my credit all for them to not be reporting and didnt even reach out to customers to let them know whats going on. They was trying to be sneaky and got very hostile when I told her I would have to report this to the credit company and another 3rd party to get this resolved. The agent couldnt tell me an exact date on when their System would be back running. Once I contacted XXXX they expressed to me that no credit report was given to them since XX/XX/XXXX this is very unacceptable and I would like to take further action. This finance company doesnt even allow you to make late payments or your car wont start and they will repo it. So for their policy to be so Strick they should be on top of things and follow the rules and regulations as well! I will never recommend anybody to finance with this company overland bond they are a rip off and have high interest fees and very very unprofessional and on top of that they dont even offer gap insurance which is a very significant perk to purchasing a car. Its very important but that goes to show you how cheap they are.
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| 05/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I opened a car loan with Overland Bond in XX/XX/2016. I have never been 30 days late with this company and they are violating my rights as a consumer according to the Fair Credit Reporting Act. I temporarily lost my income which caused me to make my car payment 2 weeks late, however I called in and made an arrangement with the Overland Bond and paid them {$200.00} towards the balance. This payment arrangement was supposed to keep my account current and stop any further collection activity or negative reporting towards my credit. After making my arrangement and paying {$200.00} Overland Bond repossessed my car! I repeat I was never even 30 days late!! Once I made my full payment my car was still not returned and " reactivated '' so that I could drive it. I've read customer reviews on this company and see that I'm not the only customer experiencing this. This company is repossessing vehicles and ruining their customers credit for being 2 weeks late on their payments. This company has reported a repossession and 30 day on my credit and has totally destroyed my credit score causing me to lose -166 pts to my score. I filed a complaint about the reporting and the credit bureaus deleted the reporting only to have Overland Bond illegally add this inaccurate reporting back to my credit without notice. According to FCRA I am supposed to be notified within 5 days of a company adding any negative information that was previously deleted back to my profile, this company has failed to do so! My rights are being completely violated and I am extremely upset! This company has illegal practices and are taking advantage of their consumers. Please help me to have this inaccurate information deleted from my credit profile and corrected with this company. I hope that my experience will help other consumers of Overland Bond from experiencing what I've been through.
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| 06/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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My mother financed a car with XXXX XXXX in XXXX in XXXX. The finance company is Overland Bond. My mother has paid her car note every month on time. Now, in XX/XX/XXXX a young girl hit her car which caused a car accident. In the police report, it stated my mother is not at fauly but the young girl was. The young girl`s car insurance refused to fix my mom`s car and put it down as a total loss which is wasn`t. Now my mom doesn`t have a car now. Overland Bond contacted me yesterday XX/XX/XXXX threatening to garnish my wages, put this balance on my credit because I am the co-signer for my mom`s car. I was not refusing to pay but the way the supervisor called and threatened me not knowing the insurance was supposed to cover the loss. They are stating my mom owes {$10000.00} which is incorrect. On me and my mom`s XXXX credit report, it shows my mom owes a balance of {$12000.00}. The insurance company agreed to pay {$6300.00} to Overland & Bond which actually leaves her a balance of {$6600.00}. Now, Overland Bond is stating the vehicle in total is {$16000.00} which is impossible because that is not a document of paperwork me or my mother signed. They won`t work out a payment plan with us. They are just now calling me yesterday XX/XX/XXXX stating the account is 25 days past due. How is that possible and I asked Overland Bond in regards to why are you guys contacting me 25 days later stating the account is past due! This is wrong and illegal and I want to file an action of suit against this horrible finance company and whatever arrangement we can make to not affect me and my mom`s credit would be great.
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| 07/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX {$23000.00} XXXX {$11000.00} OVERLAND WAS PLACE ON MY CREDIT FOR A CAR I FINANCED IN HOUSE..
After My bankruptcy Things got overwhelming.
I could not afford this car.. I volunteered to return the car.. The original loan date was XX/XX/XXXX..
The company keeps update the date so it do more damage to My Credit..
This should have been removed from my credit its been 7 years.
According to the Fair Credit Reporting Act ( FCRA ), negative items can appear on your credit report for up to 7 years. These include items such as debt collections and late payments. The time frame begins from the original date of the delinquency ( the date of the missed payment ).
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| 06/06/2021 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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Overland Bond. Last year aka my final year of payment to overland bond, I have been up to date on my payments, When covid hit I was reduced hours and temporarily laid off. My finance company provided that I can pay a reduced payment that would stretch out the loan longer, Fast forward to XX/XX/2021 I was told I was still still accruing late fees even tho I was on the payment plan as well as being negatively reported on my credit. I was not told these things would happen and now they say I owe a extra XXXX $ in late fees when they never mention this until my car was paid off. Now they are holding my title and negatively affecting my credit.
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| 04/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Report provided to employer without your written authorization
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Web |
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I sent a letter to Overland Bond back in XXXX, requesting a validation of the debt owed, with no response. This company also pulled my credit report on more than one occasion in XXXX, without permission as this account had been closed back in XXXX. This company has not provided any requested documentation. Yet has reported things on my credit report, that are inaccurate that has damaged my credit report.
The same request for validation of debt has also been sent to XXXX and XXXX, more than once in XXXX & XXXX with no success of getting the requested validation of the debt as being accurate.
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| 01/19/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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I purchased a vehicle inXX/XX/XXXX it was refinanced in XX/XX/XXXX because my paydays changed so they put it on my credit report. Then it XX/XX/XXXXmy car was repossessed for late payments so they added that to my credit report as well. I made all of the late payments and my car was back in my possession. I paid the entire loan off inXX/XX/XXXX and received the title. A year later asked could they remove those two items of my credit report and they refuse to do so. Saying my car was repossessed but i have have the car and title til this day.
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| 10/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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Well I tried to refinance for a lower payments but the interest is so high I haven't been paying on the principal and my rent is XXXX with electricity bills with misc. Things I pay for as such as food and clothing which is make it hard for me to make a living just asking for lower payments as well as paying to the principal instead of the high interest rates please
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| 05/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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I have requested for the credit reporting agency to provide method of verification for some inaccurate public records reporting on my credit file that I did not file.
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| 05/08/2016 |
No |
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- Taking/threatening an illegal action
- Seized/Attempted to seize property
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Web |
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Deactivated my car whenever I was a day late making a payment, causing me to miss work.
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| 01/02/2024 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Phone |
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| 12/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Phone |
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| 08/29/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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| 03/10/2023 |
No |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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| 06/22/2022 |
No |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 12/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Phone |
Servicemember |
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| 09/06/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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|
Postal mail |
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| 03/06/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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| 04/02/2017 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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| 01/17/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Fax |
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