Porsche Financial Services, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/03/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	KS 66223	Web
This is 3 fold problem-Late Payments/ Excessive and Fraudulent Charges/ Still have not received paperwork showing the account is paid off and my lien release for my title : I am writing regarding the excessive/fraudulent fees charged by Porsche/XXXX Financial and late payments reflected on my credit report from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my XXXX account. I found these late payments on my credit after I was turned down for refinancing on my home. I had several major events happen to me and my business in XX/XX/XXXX, after each of the occurrences I contacted my current creditors inform them of the events and inquired what options I had for relief. Each time I contacted the customer service department of XXXX XXXX, I was given incomplete or inaccurate information. I could never get any help with deferring payments, or any other type of program that could help ease some of the financial burden. The last time I had contact the customer service department was during a natural disaster issue ( this event is listed below ). I did not receive the information required to properly request relief from the reporting of the late payments due to be a victim of natural disaster. XXXX XXXX coded my account as a bad payer, instead of natural disaster victim, which caused my credit scores to decline dramatically. In XX/XX/XXXX, after a few months of trying to work with the credit department and customer service of XXXX, I decided it would be better to cash out a 401k account and payoff the auto loan. I received a verbal payoff from customer service and was informed the payoff would also be mailed to me, then sent a bank draft which was received on XX/XX/XXXX. In late XX/XX/XXXX my accountant stated the XXXX account had been overpaid by XXXX XXXX XXXX XXXX dollars. I contacted XXXX customer service to inquire about when I should expect a refund for the over payment. XXXX customer service claimed I was not due a refund due to late, returned check, and other fees. Shortly thereafter I received a call from XXXX XXXX, from the credit department, she stated nothing could be done about the reporting of late payments on my credit and the credit counselor I was working with is not allowed to speak on my behalf, due to the Power of Attorney ( that has been on file since XX/XX/XXXX ) not being adequate. I was not given an opportunity to ask about the fees before she hung up. According to my records I have been late twelve times over a four-year period, with most of late payments being in XX/XX/XXXX. XXXX charges XXXX dollars for each late fee and XXXX dollars for a returned check. XXXX X XXXX = XXXX +XXXX ( returned check ) = XXXX. Where are the other XXXX XXXX XXXX dollars of fees coming from? Its been over 30 days and I still have not received any paperwork showing the auto loan is paid off. I have not gotten the lien release for my vehicle or any information regarding the fees. Any help at this point would be greatly appreciated. Thank you XXXX XXXX P.S-. Below is a brief history of events : 1 ) CPA stealing from me- XXXX XXXX XXXX, XXXX owns and operates two XXXX XXXX at separate locations as such I hired a CPA to handle all business-related expenses shortly after opening the second location in XXXX. The CPA retired in XX/XX/XXXX and recommended the services of XXXX XXXX XXXX which I immediately retained the services of with the intention of keeping XXXX XXXX XXXX operating at a profit. Unfortunately XXXX XXXX XXXX did not remit the monthly liabilities of XXXX XXXX XXXX, XXXX in a timely manner and in some cases did not fulfill the monthly obligations at all. After I discovered XXXX XXXX XXXX was not fulfilling the obligations I was paying them for, I filed suit against XXXX XXXX XXXX XX/XX/XXXX and received a default judgement for XXXX XXXX XXXX XXXX dollars. XXXX XXXX XXXX has not paid any of the XXXX XXXX XXXX XXXX dollars to this day. XXXX XXXX XXXX was also responsible for filing and paying XXXX XXXX, XXXX 's quarterly taxes. My attorney contacted the State of Missouri about the case and entered into an agreement to dismiss the civil case against XXXX XXXX XXXX without prejudice. This agreement between myself and the State of Missouri includes the relief of my taxes owed to the state of Missouri. This agreement makes it possible for the State of Missouri to file Against XXXX XXXX XXXX for the original amount of XXXX XXXX XXXX XXXX dollars as well all fees and fines for failing to file quarterly taxes for XXXX XXXX XXXX, XXXX XXXX ) XXXX files suit against me for XXXX received from their former employees- XXXX XXXX XXXX, XXXX was contacted by several sales representatives from XXXX after XXXX had shut down operations and was longer providing warranty, service or support for customers or staff. The sales representatives were sitting on hundreds of thousands of dollars of inventory with no way to sell to the public. XXXX XXXX XXXX, XXXX agreed to purchase the inventory and began XXXX and XXXX it with our own warranty and customer support. XXXX became aware of the arrangement between their former sales representatives and filed suit against XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX is still battling this civil suit. 3 ) XXXX XXXX was Broken into- The XXXX XXXX XXXX XXXX location on XX/XX/XXXX suffered a break in where the safe was damaged beyond repair and several hundred thousand dollars of inventory was stolen. XXXX XXXX XXXX had not paid the premium for XXXX XXXX XXXX, XXXX 's insurance policy. 4 ) Business was flooded by several storms- The XXXX XXXX XXXX, XXXX XXXX XXXX location in XX/XX/XXXX was severely damaged due to flooding from severe rain storms. In the aftermath of the flood the State of Missouri deemed the area of this location was no longer build-able and XXXX XXXX XXXX was forced to find a new location for this store.
01/27/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	VA 22031	Web
I do not think it is a fair service that Porsche financial service department supplied to me with additional fee charged but not let me know the detailed info. Below is the story : I leased a XXXX XXXX starting from XXXX beginning and noticed that there is an fee item called 'Other Fees ' happened in the XXXX monthly statement with total {$200.00}, I called the customer service on XX/XX/XXXX and their answer is that, the fee is a kind of process fee after they receive citation tickets mails from Maryland XXXX department ( Maryland Transportation Authority ) due to my XXXX does not work, and they paid those fee shown in the citation tickets and there is a {$20.00} process fee happened for each citation ticket they got from the Maryland XXXX department . ( Maryland Transportation Authority ) I asked for those citation tickets from the Porsche financial customer service, the mailing date info sent to Porsche financial service showing up in those tickets mail is : XX/XX/XXXX with 2 tickets, XX/XX/XXXX with 3 tickets, XX/XX/XXXX with 5 tickets. totally 10 tickets with {$20.00} process fee each, that is why {$200.00} charged for me in the item 'Other Fee '. That is all info I got from Porsche Financial service when I communicated with them and they suggested me contact Maryland XXXX department ( Maryland Transportation Authority ) to deal with these case just in case it will happen again in the future. I thought it is my fault without telling the Maryland XXXX department ( Maryland Transportation Authority ) that they should send the citation tickets to my address, so I made this {$200.00} other fee in XXXX payment and contacted the Maryland XXXX department ( Maryland Transportation Authority ) and told them they should send those citation tickets to my address but not Porsche Financial Department. However, in my XXXX month payment got from Porsche Financial Department, there is another total {$240.00} shown up in the 'Other Fee ' again. I called the Porsche financial department service and their answer is still the same as before, the {$240.00} dues to the process fee they deal with my citation tickets got from Maryland XXXX. ( Maryland Transportation Authority ) So, this time, I made the call and asked them why my citation tickets would go to their department even after I contacted the Maryland XXXX department. ( Maryland Transportation Authority ) And this time, the answer I got from Porsche Financial Service Department is that, I leased this car, and I am only the user for this car, but the car 's owner is XXXX, that is why, no matter what, once the citation tickets happened, they will be always sent to XXXXorsche Financial Service Department and always {$20.00} process fee will happen for each of the tickets they received. So, my questions are : 1. Why Porsche Financial Service department can not tell me the whole story during my inquiry when this addition fee happened the first time in XXXX, and let me know, the citation tickets will send to them anyway. In this case, I do not have to waste my time with Maryland XXXX department and it is totally and definitely possible for me to avoid the second round of citation tickets and other fees charged to me in XXXX. 2. Even if I am the user of the car, not the owner of the car, does it mean I do not have right and can not be reached out positively ( received email from Porsche Financial Service Department ) to know all these citation tickets info instead of seeing only a pure numeric other fee shown up in my monthly payment. I am not hard to be reached out through email, I regularly use my email box shown in Porsche Financial Service Department to receive their payment confirmation number after I made the payment each month. But the reality is, Starting from my lease beginning, the Porsche Financial Service Department never reach out to me positively and notified me this kind of citation tickets unless I see this case and ask them to send these tickets information to me. And for the first round other fees they charged, the charged month is XXXX, but the citation tickets mailed to them is XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. It is plenty time like almost 3 months they can reach out to me for this case and we can deal with it. And for the second round other fees charged on my XX/XX/XXXX month statement, I made two calls on XX/XX/XXXX asking for those new citation tickets number and sent one email XXXX XXXX on XX/XX/XXXX asking for those new citation tickets number again, till now, none response I got from them anyway. 3. The other fee they charged caused by their process fee, I do not think it is fair, for the first round other fee they charged me on XXXX with total {$200.00} ( each tickets {$20.00} process fee ), actually, those 10 citation tickets payments are only total {$75.00}, even two tickets payment amount is {$1.00} and {$1.00}.
10/23/2017	Yes	Vehicle loan or lease Lease	Getting a loan or lease Credit denial	MI 48223	Web
On XX/XX/XXXX I was denied credit from Porsche I am writing because I applied at Porsche of the XXXX XXXX for a Porsche Macan, I was quickly denied because the credit department stated that I filed bankruptcy against XX/XX/XXXX and cited that I had other collections. I responded to my sales rep XXXX by informing him that I never included any bank that financed any car previously in a bankruptcy. I did file bankruptcy in XX/XX/XXXX and on my credit report it shows in dispute because it was being reported incorrectly as an inclusion in bankruptcy. XXXX called the credit department and spoke to XXXX to inform her that the credit report is incorrect. I then emailed him documents from my bankruptcy showing that I did not file against my car finance company. I also informed XXXX because XXXX was not willing to speak to me that on my credit report as stated before that it is in dispute and have been for years, the former bank was XXXX and I attempted to contact XXXX to get a notice of payoff, however, I did not have the VIN so they referred to their dispute department to correct my report. I noted that in XX/XX/XXXX when my lease ended I then went on to XXXX XXXX and financed another car, and if she saw that she would know it was not included in the bankruptcy. I also noted that on my credit report even if nothing was corrected that the misinformation reported will be removed from my credit in approximately 1 and 1/2 weeks. It will show on my credit report anymore as the time limit for reporting ends in XX/XX/XXXX. The bankruptcy occurred 9 years ago and will be removed next year entirely. XXXX was not allowing for any of the corrected information to be considered and XXXX although very nice did not seem to want to pry or pursue further to correct the misinformation. I feel that this situation is isolated because despite me having proof of the wrong information being reported and the fact that I have worked very diligently to build my credit and having no negative marks in quite some time did not seem to matter. I am not sure why I was singled out but I am XXXX XXXX and I know the Porsche family of drivers is primarily XXXX and this is disturbing. I have never in 20+ years been denied a car. I have been approved less than a year ago for a XXXX XXXX, I have been approved by XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX and my credit union and never had a missed or late payment and to not be allowed to drive this car I feel is wrong and discriminatory. I would like for someone to review my credit application again and include the corrected information that I have sent to the dealer. I have the income and I am not happy with my overall experience, I only love the car. I had another bad experience last week with Porsche of XXXX, the salesman XXXX was very blunt and for lack of better words annoyed that I was inquiring and that is why I attempted another dealer. Now if this is the practices of Porsche perhaps I should rethink wanting to be an owner but, again, I felt I needed to at least try to get some sort of assistance. I even asked XXXX if we could speak to XXXX manager and he said he would check but I never heard back from him. I explained that she is human and allowed to make an error but when the correct information is presented it is only fair to be considered. I also called into the customer service line and was told a more detailed letter would be sent as to why I was denied. I do realize it is the prerogative of the finance company to deny as XXXX informed me however, again I would like to be treated fairly. I received the letter of denial and again it stated that I had a report of bankruptcy and past collections, these items are almost 10 years old and have viable credit, so at this point, I do feel it is an isolated discrimination circumstance. I have emailed, called, and tagged on social media and have not gotten any contact from Porsche. I think its poor customer service and that someone needs to contact me. Thank you, XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX
02/19/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	MI 483XX	Web
I discovered that Porsche Financial Services has violated the Fair Credit Reporting Act by reporting my late payments to all three credit reporting agencies ( XXXX, XXXX, and XXXX ), resulting in a significant drop in my credit score and negatively affecting my financial stability. As a responsible borrower, I made every effort to make timely payments, but the financial hardships caused by the pandemic prevented me from doing so. Despite this, Porsche Financial Services continued to report late payments to the credit reporting agencies. These actions are in direct violation of the following sections of the Fair Credit Reporting Act : Section 623 ( a ) ( 2 ), which prohibits the reporting of inaccurate or misleading information to credit reporting agencies Section 623 ( a ) ( 4 ), which prohibits the reporting of information that is not timely updated Section 623 ( a ) ( 5 ), which requires the furnisher of the information to promptly notify the credit reporting agency of any dispute regarding the information it provides. Dear Sir/Madam, I am writing to file a formal complaint against Porsche Financial Services for violating my civil rights as a borrower and violating the Fair Credit Reporting Act. I financed a vehicle through Porsche Financial Services and made a down payment of {$5000.00} at the time of purchase. However, I now believe that I was taken advantage of because I was not fully aware of the terms and conditions of the agreement. Porsche Financial Services violated the Fair Credit Reporting Act by reporting my late payment in XX/XX/XXXX to all three credit reporting agencies ( XXXX, XXXX, and XXXX ), despite the fact that I have made every effort to make timely payments throughout the duration of the loan. To be specific, I made payments on time with no late fees or late payment history for the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX, and for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. While my payment was past due for 30 days in XX/XX/XXXX, I immediately paid it once I realized my mistake. Since then, my account should have been balanced and marked as closed due to all accounts being paid and up to date. I believe it is unfair and ridiculous that this is still reflecting on my credit report. The reporting of inaccurate or misleading information to credit reporting agencies is prohibited by Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act. Additionally, Porsche Financial Services violated Section 623 ( a ) ( 4 ) of the Act, which prohibits the reporting of information that is not timely updated, and Section 623 ( a ) ( 5 ), which requires the furnisher of the information to promptly notify the credit reporting agency of any dispute regarding the information it provides. These violations have negatively impacted my credit score and caused significant financial hardship, making it difficult to take care of my family and invest in creating financial stability. Moreover, Porsche Financial Services violated the terms of the agreement by retaining my down payment, which is a clear violation of my civil rights. This behavior is in violation of Section 1638 ( a ) ( 6 ) of the Truth in Lending Act, which requires that a creditor provide a disclosure of the terms of the credit transaction, including the amount financed, the finance charge, and the total payments. These violations have had a significant impact on my financial stability and have caused me to be denied access to a HELOC loan due to my low credit score. Therefore, I am requesting that Porsche Financial Services be held accountable for their actions and that I be compensated for the damages they have caused. I also request that the credit reporting agencies be notified of the errors in my credit report and that the inaccurate information be removed. Thank you for your attention to this matter. Sincerely, [ Your Name ]
04/02/2019	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 Investigation took more than 30 days	FL 331XX	Web
Porsche Financial Services is denying receiving payment of the full amount of loan, plus additional extra fees that were disputed in a timely manner as they were added by the dealership. Moreover, on XX/XX/2017 my family and I were hit by a major hurricane " Irma '' and I live in a coastal area in Florida that was directly impacted. At first we received a warning about a week before the storm, it was still XX/XX/2017 and about 5 or 6 days later an order came from the government " FORCED '' mandatory evacuation as the Hurricane was coming our way as a Category 5. Ultimately, we suffered flood damage inside the house and me and my family had to look for another home, because mold was detected we had move. Given these dire circumstances, Porsche Financial took advantage of the situation and proceeded to remove the vehicle from my home after the storm, before we were able to return to our house for the first time. The area was blocked by the police and deemed unsafe until the debris could be removed. Eventually, upon returning to the property as we were starting the process of removing the debris ourselves and discarding personal belongings damaged by the salt water, on top of trying to find somewhere to move to, I was asked by Porsche Financial Services for full payment of the vehicle ( which was financed for 72 months in XX/XX/2017 ). Two months prior I had realized the dealer had put extra charged in excess of approximately $ XXXX that increased the value of the loan and that was under review, as I had brought it up to their attention in a timely manner in XX/XX/2017. Nevertheless, the company requested the full payment of the loan plus other suspect charges adding to $ XXXX to be paid immediately to return the car ( this included the additional $ XXXX and another $ XXXX they put on top of the $ XXXX which was the selling price including taxes. On XX/XX/2017 I wired $ XXXX from my bank account to Porsche Financial to pay for the entire vehicle plus ALL of their extra charges and fees that amounted to additional $ XXXX they wanted to pocket. After the payment was made, I received the release of lien, title and certificate of FULL payment from Porsche ( attached ), which provided to XXXX as proof of payment. When I went to pick up the car not only did it not start, I had to get it towed to a XXXX dealership, which after examining the car notified me that salt water had entered the electronic system of the vehicle and they had determined it was declared as a total loss. Essentially, Porsche Financial Services sold me at full price $ XXXX, plus $ XXXX, total of $ XXXX for a car that was worthless! Adding insult to injury, Porsche has refused to remove the negative information ( Repossession & Failed to Pay ) they are still reporting to my XXXX credit report, even after over at least 10 times that I have contacted them asking them to do so. Porsche refuses to acknowledge my requests and just keep sending inaccurate changes slightly different negative information. At this point I would like to know my rights as a consumer, since I had to pay $ XXXX to Porsche Financial Services for a vehicle that they knew already had no value at the time they demanded and received the money for a car that was a total loss. Also, the negative information they are reporting to XXXX as a Repossession & Failed to Pay even though I paid the car in FULL+ the $ XXXX in Fees back on the same month of XX/XX/2017, the same month of the hurricane and only to find out they sold me vehicle that was already totaled when I received it.
10/05/2021	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	CA 90036	Web
I recently pulled my credit report from XXXX, XXXX and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account. Not only was I never late on this account, but according to the FCRA, as amended by the XXXX XXXX, you are required to notify me of the insertion of negative listings. I never received such a notice. Your company never notified me, and your company filed to send me my statements for that month and when I talked to your rep, I was told that this mistake would be deleted. I never received a billing statement from your company. FCRA XXXX ( a ) ( XXXX ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section XXXX ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. ( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution XXXX submit additional negative information to a consumer reporting agency described in section XXXX ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. ( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX ( p ). ( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer-reporting agency, the notice XXXX not be included in the initial disclosures provided under section XXXX ( a ) of the Truth in Lending Act I contacted your company and talked to customer service, XXXX who XXXX that it was XXXX and XXXX me that this misunderstanding was going to be removed from my credit report and listed correctly. The representative promised to send me a correct statement so we wont have this maundering anymore of my account and stated that this mistake would be corrected. XXXX payments were sent for XXXX when my lease was up, and I got another card. I have never been late on any of my accounts and have perfect history
04/06/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease High-pressure sales tactics	PA 19152	Web
On the XXXX of XX/XX/2022 I went to Lamborghini XXXX dealership for a consumer credit transaction and was denied and I was asked about my XXXX XXXX identification documents other rights were violated in the truth in lending act, XXXX, and etc by both parties Lamborghini XXXX and Porsche financial..both partys failed to comply with 15 U.S. Code 1611 and committed several acts pursuant to XXXX5 U.S. Code 1692e 1. I provided my bank account statements as requested by Lamborghini XXXX because I was self employed then I told them the organization/Corporation that supports me financially is a religious/education related purposes corporation/private organization and they intervened by asking what does ( it ; you ) ( organization ) do and then asked to see that bank account for the organization..TILA prohibits creditors from acting in a self-seeking manner XXXX especially when to the detriment of the client..I was Discouraged from continuing the credit application with 0 ( zero ) money down by Lamborghini XXXX dealershipLamborghini XXXX representatives kept saying you not going to get approved I already you are going to get deniedyou got to put some money down..also said verbally your denied because you have no credit or a previous + $ XXXX installment loanI Am only Exercising in good faith The rights under the Consumer Credit Protection Act and Enforcement of the Truth in Lending act..I have audio for the recording stating that vehicle I wanted has a finance charge..I called one of the companies the dealership sent my file to called Porsche Financial I asked them for a financial manager/supervisor and they would not transfer me and kept saying we cant assist youa woman I spoke to hung up on me ( recorded audio ) ..after several attempts I got to someone that assisted me with taking my information about my credit transaction in the underwriting department..name was XXXX ( XXXX ) XXXX said that he would pass on the information and contact the dealershipLamborghini XXXX told me that Porsche financial requirements a down payment at least {$100000.00} ( audio ) more information/evidence/discovery will be disclosed if I file a complaint in federal court
03/08/2017	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	FL 33015	Web	Older American
The Employer of XXXX XXXX pays all Creditor monthly payments as part of the employee agreement for salary ; disclosed to Porsche Financial as the income received to comply with the financial commitment for payment. In XXXX the office clerks paid two monthly payments from the wrong checking account and both payments were paid to the Creditor when the Bank advised that each payment was not funded to be paid. After the XXXX incidents the office clerks could no longer make a payment on the website, or by phone to the Creditor. The office clerks offered to send 5 monthly payments total of {$10000.00} ( pay in advance to XXXX XXXX ) by a Money Order or Cashiers Check by Overnight Mail and the Creditor refused to accept any payment on XXXX XXXX. Since every month that the office has tried to make payments all attempts have been refused and the Creditor wants the car back. I have the money to pay and I do n't want to damage my Credit by not honoring a financial commitment, I have not lost my job nor have I had a family tragedy preventing me from paying. Now the creditor does not want me to pay the amount due til the Lease Contract that ends XXXX XXXX, they want me to pay the total value of the car {$130000.00} plus about {$6000.00} for Attorney 's fees when I wanted and offered to pay they did n't need an Attorney who has claimed that I wanted to sell the car to an innocent person, the car was abused. I had to take the car to the Dealership and it was inspected and recognized that it was kept in a garage, clean, under the annual mileage of XXXX miles. The car has XXXX miles to date. The car is an investment for me I planned to purchase the car at the end of the Lease it is a Limited Edition of Porsche, it is a Targa XXXX. This is a rare model, I drive occasionally only. Please help me I want to pay all monthly payments that I owe to have my account current and they will not accept my monthly payments. monthly payments to pay to bring account to current status is from XXXX XXXX to XXXX XXXX is {$18000.00}. Please help me with the car and my credit. Thank you- XXXX
11/04/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Loan sold or transferred to another company	FL 34786	Web	Older American
On XX/XX/XXXX, I purchased a XXXX XXXX vehicle. I offered a XXXX XXXX bus in exchange. A Payoff was requested from XXXX and sent to XXXX XXXX on XX/XX/XXXX, to be paid by XXXX XXXX. The dealer promised the customer to pay before XX/XX/XXXX, as there was a pending payment. On XX/XX/XXXX, I received an alert from XXXX marking XXXX late. I go to XXXX XXXX to inquire about the payment and they show me evidence that the payment was sent to XXXX. I contacted XXXX and they told me that they had not received the payment. I went back to XXXX XXXX to investigate the payment and was told that they had to send a new check because it had been lost due to XXXX XXXX. They send a check again and XXXX receives it and it took a long time to receive it and they marked my XXXX credit as 60 days late. Today I contacted XXXX to explain the situation and they told me that the customer is the only XXXX responsible for the payment. The situation has caused damage to my credit report because they did not meet their responsibility to pay on time. XXXX XXXX expressed their apologies to me, but that they could not remove the marks. I am requesting assistance because I acknowledge that there was a pending payment and that it will be paid on XX/XX/XXXX. I trusted XXXX XXXX to send the payment. I have always maintained excellent payment with XXXX and I am surprised that they can not accept the mistakes and accept the apology from XXXX XXXX. and they prefer to affect a compliant client. I am requesting that XXXX and XXXX be removed from my Credit Report, or the Credit Bureaus account removed. I will appreciate any help you can give me as the Services I received from XXXX was arrogance in not being able to understand that there was a situation that I had no control over. I am surprised by the lack of sensitivity received, since I complied with what was agreed, it was also my second paid vehicle. XXXX XXXX staff are arrogant and have little knowledge on how to treat their clients. I acknowledge that I am responsible for all payments, but can not be held responsible for the failure of others.
09/14/2020	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account information incorrect	NY 11432	Web
Porsche Financial on XX/XX/XXXX inaccurately reported that I was 30 days late. I made contact with customer care and established that according to their mobile app which I always use this was not so As per the app on XX/XX/XXXX my next payment of {$2300.00} was due on XX/XX/XXXX. This balance included a 1 day past due balance of {$1000.00} which was scheduled to be paid on XX/XX/XXXX. I paid {$1100.00} on XX/XX/XXXX. The remaining {$1300.00} automatically generated bill for the month was according to the app due on XX/XX/XXXX. I spoke to customer care and on a recorded line was also told that there were issues with the system for the past few months and similar complaints have been had. I provided screen shots ; all date and time stamped to show the inaccuracy of their reporting. This was reviewed by a supervisor who saw it fit to have the documentation sent to the credit bureau department to have the reporting corrected. To further add insult to injury ; After this mistake had caused my credit to plummet by 90 points, Porsche financial Services after receiving {$92.00} in excess of the due amount of {$1000.00} further reported inaccurately that I had owed a past due balance of {$57.00}. Which additionally dropped my credit by 60 points. To date these corrections have not been made even in light of evidence provided.. As a result my pristine credit has plummeted by 150 points not because of my negligence but due to a fundamental flaw in the system of Porsche financial services.. I have had a clean record with Porsche, have made it my duty to pay on time and on many occasions have paid more than the required amount ; Even in light of Covid-19. I just need them to do the right thing. As a consumer who is striving to maintain my reputation with this institution I am not having a sense of an enhanced experience. It is too early in our relationship to experience such negativity ; Covid-19 has brought enough our way.
04/25/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	AL 35242	Web
We leased for 39 months a new XXXX XXXX XXXX. The vehicle performed well, except we had to take it back numerous times to get an air leak fixed on the passenger side front door. Our lease was up XX/XX/XXXX. The Auto Vin inspector sent by XXXX came out, ( inspection # XXXX ) and during the inspection, we were informed our vehicle had been wrecked and repaired. Damage was done on the passenger side front door, rear door, and rear fender. In fact the inspector said the paint job was not up to XXXX standards. The inspector told us we would have to pay for the repairs, even though we informed him we had not wrecked the vehicle. When the inspector left, I called XXXX XXXX XXXX in XXXX Florida, where we leased the car. After about a 2 hour delay, I had a call from the manager of XXXX in XXXX, who stated we would not have to pay for the repair, however, we were not offered any additional compensation for being sold a wrecked vehicle. After further research we discovered XXXX XXXX owned XXXX dealerships in four states. We called Mr. XXXX, but initially got to speak to his son XXXX XXXX, who took our information and stated he would get back to us on thiS fraud. We did not hear back from him, even though we called hIm numerous times. We have since discussed this with an attorney, who indicated that we should at first try to handle this through Porsche Corporate. We contacted Porsche corporate who agreed to contact XXXX XXXX and coordinate a settlement. This went on for a while. But we were never contacted by the XXXX XXXX group. We actually went by the dealership located in XXXX, Fl. To meet with the general manager. He refused to meet with us and we were told to contact their attorney. They would not give us contact information. The VIN number WP= XXXX Leased : XXXX XXXX XXXX
10/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 941XX	Web
My complaint is against Porsche financial services account # : ********XXXX, date open : XXXX, account closed and paid. Back on theXX/XX/XXXX, I sent to the mentioned company a letter to investigate the mentioned account because the bank account from XXXX XXXX, assigned to make payments to Porsche the fraudulent activity therefore my Porsche account incur to 2 late payments XXXX and XX/XX/XXXX ( time we had fraud incident ), since the fraudulent account assign to make payments was frozen. Checking my reports, I notice that that Porsche a company that I personally appreciate making business with them, didnt even took the decency to mark my account as disputed after they received my dispute notice, they didnt investigate my account required by the Fair Credit Reporting Act, they totally disregarded my complete information sent to them to at least make an investigation. This is negligence, unfair business practice, never received a late payment insertion by mail and once I seat down with my lawyers Ill have half a dozen more violations. I dont want to take this case to court, but if I dont receive a deletion letter from the mentioned company, indicating to remove all negative marks, I will take this case to be decided by a judge. This is my last resource to get Porsches attention regarding my issue. I have a {$800000.00} mortgage pending because this negligence. Im attaching letter sent to company to investigate account, letter provided by bookkeeping company stating the fraud issue, Im attaching a XXXX account bank that indicates I had more than enough money to make the payment when the incident occurred ( all of this was initially sent to them ) and Im also attaching the proof of fax received by Porsche. Thank you!
02/21/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33178	Web
thanks for the opportunity to have this matter discuss my name is XXXX XXXX my current situation is with : Porsche financial serve Porsche account XXXX I started a lease on XXXX XXXX for personal reason I stop making payments on XX/XX/XXXX when I got the car I down pay 7000 usd I was making payments of XXXX usd for a situation back in XXXX I stop making payments my wife got pregnant and at the same time I lost my job I understand that XXXX what we agree but i can say i really try to make this up till the las moment i try to make the payments but when out of my hands the concern i have is the i been told that the car been sold and i even have gap insurance and they steel reporting my every month on my credit report negative from then i got it on XXXX of XXXX the are keeping my life impossible with my credit my family got bigger I'm no able to buy a house i been staggering very bad with this situation on my credit XXXX of the major bureaus are reporting this information Wich are ( XXXX & XXXX XXXX the comment on my credit show as charged off account they been reporting on my credit even after the sold the car and got pay true the gap insurance I try contacting talking to then but there no way they can reconsider removing the information they are been posting from more the XXXX years since I don't have the vehicle on my possession I been doing things right at this point I just want be able to offer my family a decent place to live if there anything you can do to help me XXXX XXXX XXXX you the contact information from Porsche is : XXXX my name is XXXX XXXX XXXX
12/23/2022	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	GA 30345	Web
Porsche Financial Services does not provide accurate and clear payments due and schedules upon making successful payments ; and thus, applies aggressive late fees for error on their part. Porsche requires customers to pay for leases and loans electronically via its app ; it is a very labyrinth process to find porsche financial services " module '', which will then take you to your account to pay the bill. Upon using the module, you are provided your due payment, and which I pay every time by the due date, however ; I may have inadvertently missed a pay cycle due to being incapacitated with XXXX, nevertheless, the app only shows what is due. For someone my age and skill, I wouldn't know that additional payments are still due upon successfully making a payment about before the clearly disclosed due date, if payments are in the arrears, that should be shown as well, and fully disclosed. As a result, Porsche Financial Services has not only charged me one aggressive $ XXXX late fee, but two times, within the past two monthly payments to no fault of my own. Porsche Financial Services needs to revamp its module to make it clear of what is due and what is still owed, to prevent people with illnesses or circumstances to lose sight of what is due in a given payment cycle, and with good intentions, make the payment schedule conspicuously clear so that they are not inadvertently financially harmed by your system and design.
03/05/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with additional add-on products or services purchased with the loan	CA 928XX	Web
XXXX of XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX On XX/XX/2021, I agreed to purchase a car at a price of {$63000.00} at a 5.88 % interest rate. During the signing of the contract in the finance office, the finance officer offered me a lower interest rate if I would purchase a package ( key replacement, gap insurance and Eckbond - all totaling about {$3600.00} ). Thus the payment would be lower since he said he would change the interest to 2.99 % and the payment would be same or lower. However, once I went home, one fact that bother me was the fact that the interest rate of 2.99 % was arbitrarily decided by the finance manger at the signing of the contract. This did not seem right. I felt that I qualified for the lower interest rate all along but this was intentionally kept from me during the negotiations, all for the purpose of selling additional package. Subsequent communications ( phone and email ) after I discovered that this practice of offering lower interest to sell a " package '' was illegal, the finance manager assured me that he would cancel the " package '' and that I would still receive a interest rate of 2.99 %. However, the price of the car remained the same, with the package still added. The the price of the package ( about {$3600.00} ) was not deducted when I received the first payment invoice. I have email correspondence with the finance manager that states the packages will be cancelled.
04/09/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CA XXXXX	Web	Servicemember
Bentley Financial Services sent an adverse action letter in the mail stating why I was allegedly denied an extension of my own credit. When we tried to talk to the Finance Manager and the other Woman who initially took the information for processing We forgot her name, she was irrelevant anyway. XXXX XXXX XXXX or Bentley XXXX XXXX cars is a high end Car Dealer located in or near XXXX Ca XXXXWe are XXXX People so just really trying to get service in this place is a joke, In this area they really look down on XXXX People mostly because they have most of us Stereotypically some sort of way figured out.Welcome to the XXXX XXXX California XXXX Back to the Finance Manager would not discuss the Truth in Lending aspect of the deal with us. We always record our communications by the way!!! When asked and told that We could not not be denied Credit because We are the credit We lost him, literally he hung up. According to theTruth and Lending act USC 15 USC 1602 the term credit card is your SSN number, 12 U.S 1431 Banks dont have any Lending power. 12 CFR Part 1002 Equal Credit Oppurtunity Act ( Regulation B ) The Term Credit Worthiness applies to Businness and Financial Institutions. Not to Natural Man or Woman. 15 U.S Code 1691 section A states it is Unlawful to be denied an extension of your own Credit, based on DISCRIMINITORY ACTIONS. We can be denied our own credit but that is considerd unlawfull.
02/01/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 91405	Web
This is the third time I have been forced to submit a complaint for not being able to pay my loan for the lease of my XXXX. I have constantly pleaded with XXXX to look into this matter of their system for online pay as this issue has continued. My credit has now taken another hit because their online portal is either constantly down for maintenance or it just wont simply allow you to access anything until its too late. Each time I've only been able to access my account to make payments and by then its late, but then shortly after i can not access my account again. I've also made a representative aware of the customer service number that is provided on the site to call that is literally a spam number and does not work. I've tried called XXXX XXXX and have asked to speak with a manager and have not received a call back for over a month. I've attached a screen recording shortly after a payment was made and I was unable to access my account again. I also have video of now being able to access my account and the " down for maintenance error '' messages but am not able to upload as they are too large and can provide should XXXX need more evidence. I would just like a reliable system to make my payments on time.
04/01/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 331XX	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 Porsche financial SRVC XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Dear Porsche financial srvc, I am responding to your contact about collecting a debt. You contacted me by [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the months of XXXX through XXXX and identified the debt as charge off debt of XXXX. I do not have any responsibility for the debt youre trying to collect. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Where is the proof that I signed for these cars with my personal signature and ID? I would also like for these two debts to be removed from my report. I did not authorize these cars on my report. Thank you for your cooperation. Sincerely, XXXX XXXX
04/30/2020	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 Problem with personal statement of dispute	TX XXXXX	Web
My wife and I both lost our jobs due to Covid19. So we requested a Forbearance only for 60 days under the Federal CARES ACT on XX/XX/2020 via telephone and I followed up with an email on XX/XX/2020. I was told not to worry you are approved by the customer service representative. I received a letter dated XX/XX/2020 stating were approved by Porsche Financial and were advised that our next payment would be XX/XX/2020. I have since then made my payments to bring my account up to date. However, Porsche financial has reported me 30 days late to the credit bureau. I disputed this with the credit bureaus and I called Porsche on XX/XX/20. They said that I was granted the forbearance after my due dates per the letter they sent me. I told them I was given verbal confirmation on XX/XX/XXXX that I was approved for a forbearance and this letter was sent after the fact as confirmation. The representative said there is nothing he can do. It is the way our computer system works. I am requesting this late mark be removed from my credit report. Porsche Financial is not following Care Act guidelines during this national emergency.
08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 115XX	Web
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 2. Identity Theft PORSCHE XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 9. XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 12. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
10/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90505	Web
The reason for my writing is that this company is being unreasonable, I am a XXXX XXXX who sustained severe injury following a XXXX in early 2016. Due to the injuries I sustained, I was unable to work for nearly a year and a half. I suffered XXXX XXXX and developed XXXX XXXX XXXX and couldnt function XXXX. My condition was so bad that I could not manage my finances. Due to my XXXX state, I had to get a debt management company to do this on my behalf. The debt management company resolved and settled all the accounts that were late. As a result, I notified this company about the situation attaching a Doctors letter as proof of injury to support my claims, requesting removal of the late payment history since it was never my intention to be late. But to my surprise, this company has refused to cooperate and still keeps all the data that I had requested to be removed. Again I request that the late payment history of this account be deleted as soon as possible. Enclosed XXXX XXXX Id Copy of doctors letter Copy of first letter that was mailed to this company
05/26/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 333XX	Web
Porsche Financial Services engaged in the following actions : 1. Offers on-line payment option via their website 2. Website offers no ability to check payment history to determine outstanding balances, total loan balance or even access full account number 3. Amount shown on website is inaccurate and does not necessarily reflect amount shown on paper statements mailed to you 4. There is no way to download a copy of paper statement online 5. Calls to XXXX have resulted in agents saying that both the amount on the website AND the amount on the paper statement is correct but that the amount shown on the website only reflects invoice that " hasn't been paid '' not an upcoming invoice that is due in 2 days 6. I have plaid the amount shown on the website with every payment 7. Porsche Financial Services aggressive tacks on late fees and has reported to credit bureaus. 8. Despite paying what the website reflected as payment due every time, I continue to be told I am late with payments have been reported to credit bureaus as more than 30-days late
06/15/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	NY 10462	Web
On Monday, XX/XX/2023, I applied for a loan with Porsche XXXX, XXXX XXXX. Trustee XXXX XXXX, accepted my credit agreement. On Tuesday, XX/XX/XXXX, I received a email stating the bank turned me down after accepting my credit agreement. I asked to speak to the underwriter and he failed to provide me with the contact information. On Wednesday XX/XX/XXXX, I spoke to the Finance Manager XXXX XXXX and explained they violated to contract and also violated my right to contract. ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- 12 CFR Part 1003, Supp. I, 1003.4, cmt. 4 ( a ) ( 8 ) -4 ( financial institutions report Code 3, Application denied, [ i ] f an institution issues a loan approval subject to the applicants meeting underwriting conditions ( other than customary loan commitment or loan-closing conditions, such as a clear-title requirement or an acceptable property survey ) and the applicant does not meet them ).
05/27/2020	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	NY 105XX	Web
I leased a XXXX XXXX from Porsche Financial Services. The car was garaged and driven mostly highway and in the suburbs. No city driving. I arranged for a pre-lease end inspection and a surly individual spent time with the car and was noncommunicative about findings. I subsequently received a bill from this company for {$2700.00} ( attached ) with misinformation and pictures alluding to scratches which were not visible. The measurements of the treads were just wrong - the car just passed inspection. I asked to see measurements and was brushed aside. I then received an unofficial estimate for {$4700.00} from Porsche Financial Services. I called the dealer and they said not to worry, I would receive an updated reckoning, which I have not. I turned in the car XX/XX/XXXX. The dealer noted the car was in excellent condition. I have yet to receive notification from Porsche Financial Services, which was supposed to be w/in 24 hours. There should be NO excess wear, as this car was in pristine shape when returned. Thank you.
01/17/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 943XX	Web
BENTLEY FINANCIAL SERVIC Account number XXXX is wrongfully reporting late payments on my credit report for this lease agreement. I paid off the lease from XX/XX/XXXX-XX/XX/XXXX as agreed with NO lates EVER. In addition I have paid off the lease extension for XX/XX/XXXX-XX/XX/XXXX. After XX/XX/XXXX THERE WAS NO NEW LEASE OR LEASE EXTENSION AGREEMENT, THUS NO CONTRACTUAL OBLIGATION FROM ME TO PAY THEM. Bentley had scheduled to pick up the car but was late by several weeks on completing their task .... This is NOT my error, I DID not agree to keep the car I did NOT agree to extend the lease I did NOT have obligations to pay. I have complained before with no avail from Bentley financial. No I'm filing my complaint with you again, and preparing my complaint with DA 's office and for FTC. I will go as far as I need to stop this abuse of consumer trust and this has ruined my credit and cause great financial hard to my credit report. I have summed up my financial damages for their error and will seek justice!!!!
09/20/2022	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	IL 60031	Web
There were issues with setting up the payments online. We sent a check. Porsche claims it never received the check. We squared away the online payment application. The check was never cashed so we called and made payment. Unfortunately it was 35 days after it was due. There was nothing nefarious or intentional here. The one single missed payment was reported and My credit score dropped XXXX XXXX XXXX POINTS!!!! Given this is my first blemish in over 7 years THAT IS EGREGIOUS and a gross overreaction, arbitrary and capricious. One missed payment of 30 days should not lead to a XXXX point drop. Period. I consider this predatory and am complaining about this result with a prayer of relief of a repair of my credit score to a level proportionate to the infraction. The account was paid in full, there was never a phone call, emails went to spam folderetc but even if I am 100 % at fault here ( Im not ) this punishment does not fit the infraction.
06/27/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	PA 19141	Web	Servicemember
I had a car threw Porsche Financial. I did a valuntary repossession with it>. The car was sold. It has been XXXX yrs which makes the account go under statute of limitations. I went to Porsche and ask them could they remove this inquiry off my account and they told me that I have to go to the 3 credit bureau to get it. off. The bureaus told me I have to go to Porsche. So where do I go. Its been XXXX yrs and this should be off my report. Mr resent credit update came back and its reading like Im still paying on the car and that I am in good standings. How can that be when I gave the car up XXXXyrs ago. Can you please take this item off of my credit report. First you are reporting that I am in good standings and then you are reporting that I am still paying on a car that I dont have. XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/31/2015	Yes	Consumer Loan Vehicle lease	Problems when you are unable to pay	CA 94566	Web
XXXX 2008 I was forced to return my car to Porsche financial. Per CA statutory law, Porsche was then required to 1 ) give me notice and the ability to reinstate my loan, 2 ) give me the address of the auction. Porsche did not do any of the required items necessary to collect a deficiency balance. I have disputed the collection of the deficiency balance for three years. I have sent Porsche and all three credit reporting agencies a dispute asking specifically for a copy of all notices sent to me regarding the loan and repossession. Porsche has not sent me copies of any of the statutorily required notices that they had to send me before they could legally collect a deficiency balance. Finally I received a statement from XXXX where the history was removed, yet, they still continue to report a balance that is not accurate.
11/04/2019	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 91405	Web
Since starting my lease with Porsche Financial and creating a payment portal through their website, i have suffered monthly with trying to make payments with little to no success. The website has majors issues either always having a " down for maintenance error or the site continuously refreshes itself not allowing to accomplish anything. I am a XXXX and traveling every week to different countries and online payments are the most convenient means of managing my bills. Each month ive tried to make a payment there is a site issue and when trying to contact via phone the number provided from their own site does not work either. I've had to call other the dealership in order to speak to someone who could only somewhat be of assistance. This has now resulted in a late payment that is now effecting my credit.
08/02/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 91405	Web
Unfortunately this is the second time due to whatever ongoing errors that seem to constantly have been going on with the site portal. From " site maintenance '', to not even allowing me to click on tabs and the page constantly reloading I've been caused to miss a payment. I've called the provided XXXX numbers that do not seem to work, I've gotten busy tones and the call just dropping. I've called the dealership directly and each time i was forwarded I'd get the same busy tone and or told i would be called back and never received one. This is quite disappointing from such a prominent auto company and I'm highly considering ending my lease and a Porsche customer should not have these many problem simply trying to pay a bill and now i have the result of this being 30 days late on my credit again.
10/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 947XX	Web
Hello, I have been disputing a XXXX auto with XXXX for some time now. This account is past the statute of limitations for California XXXX 7 years from XXXX, which is XXXX ) XXXX and XXXX have followed the FCRA and removed the account but XXXX refuses. I spent over XXXX hour on hold to be told they could do nothing more then dispute it which I have done XXXX times over the last 2 years. XXXX is violating the law by updating the XXXX to XXXX, which is incorrect as I have had XXXX communication with this company since XXXX. XXXX tells me that they can only go by whats reporting and XXXX is not violating any laws by doing so. I have applied for a home loan and was denied do to the XXXX account and the XXXX balance owed. Please help me rectify this situation as they are clearly breaking the law.
06/12/2021	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 91405	Web
Porsche Financial has been a nightmare of a company to deal with the entire term of the lease as i have had constant issues with their website and making payments as the site would either say down for maintenance or just simply not even working. Along with countless attempts to reach a representative to speak to, until about 2 months ago they provided a number that would forward you to a spam call that would never patch me to a rep. I finally did get a hold of someone only after filling other complaints through cfpb where i was provided anther form of contact that is not listed on the payment site. Now I'm receiving additional fees in addition to my monthly payment and they are reporting that my overall lease amount as hiring resulting in my score dropping 20 points!
05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 331XX	Web	Servicemember
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. Porsche Financial SRVC, XXXX As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX
07/25/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX 75034	Web
I went to Porsche in XX/XX/2018 to by a XXXX. I ended up leaving with a XXXX XXXX, called two hours later and said I made mistake and could I return the car. I led to believe that with in hours on a weekend that the payoff on my car was already done and the title was in my name. There was no way this could had happen. Porsche waiting 3 days exactly to decide to cancel the deal on the XXXX and get me into the XXXX, which wasn't the case. Instead they treated it as trade in, gave me less for the car. Then hid the negative equity in another vehicle. I was told I could refinance through Porsche Financial Services, for lower interest rate to lower my payment. This also was not true. It was not disclosed I was trading in the XXXX.
03/22/2020	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	TX 78240	Web
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT )
11/02/2016	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	CA 90015	Web
Porsche Financial Services sent me a letter stating direct payment has been setup on XXXX 2016 which stated that the starting date is XXXX/XXXX/16. on XXXX/XXXX/16 I got a call that I 'm late 60 days. I sent their letter of confirmation to the email address they provided, XXXXXXXXXXXX and verified they received it while I was on the phone with them. Today I got a notice from credit reporting bureau that Porsche Financial Services reported 30 days overdue on my credit. This is unacceptable. I 've been trying to setup a direct payment since XXXX. They have extreme level of limitations and very inconvenient. Their technology is extremely behind and the consumers have to suffer. Ridiculous.
05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60074	Web
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( Enter Account Name ) : ( Enter Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution! Update the account to Paid on time and never late. Or remove it from my consumer report.
07/19/2022	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Denied request to lower payments	IL 60462	Web
I opened an account with this company XX/XX/XXXX for {$93000.00}. The vehicle was a XXXX XXXX XXXX. The monthly payments were {$2300.00}. During the time possession of the car I got sick with XXXX XXXX in XX/XX/XXXX. I was hospitalized and was unable to continue to make payments on the car. I spoke with a Rep from the company and asked for a lower monthly due to being laid off from work. I was denied aide with the vehicle cost and was told that I was gon na have to go on the repossession list. At that time i was XXXX days late. The rep told me it would be on the XXXX day. A few weeks later I was able to return home and my vehicle was gone from the property
12/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91709	Web
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
07/19/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IL 60462	Web
On XX/XX/2020. I received a loan for a XXXX XXXX costing {$120000.00}. Cost of the car was {$2000.00} a month. I asked for the price monthly to be lowered on the vehicles monthly payments. The rep told me my cost was final and they wouldn't allow me to refinance for a lower monthly price. I was only behind 43 days on payments. I was in the hospital and suffering from XXXX which was my reason for the one late payment. The rep wasnt looking to work with me and added my car to the repo list within the 45 days. A few weeks after the call with the rep, I came home from the hospital and the car was gone.
11/29/2021	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30349	Web	Servicemember
Auto loan was paid in full due to the manufacturer ( XXXX ) buying my vehicle back due to electrical issues, i received a notice today XX/XX/21 that i now have a 30 day late posted to all three of my credit reports, called Porsche financial and was told this was due in error and should NOT have been issued a 30 day late and would submit a deletion but would not give me a confirmation of this deletion request. Account # XXXX The action from Porsche financial has severely impacted my credit scores in a negative way and should be treated with the utmost of importance to rectify their wrong doing.
06/02/2021	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 11224	Web
I initially sent a series of correspondence to the Credit Reporting Agencies as well as the Actual Creditor. I am fully aware of how reporting works and found demonstration of non-compliance in accordance to the XXXX and XXXX XXXX format ignoring to report. In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX updates ). It is very important that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain mortgage.
09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33062	Web
The following inquiries are fraudulent and are not authorized by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90028	Web
I have an auto loan from PORSCHE FINL, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called PORSCHE FINL and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and PORSCHE FINL with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
10/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11235	Web
I reached out to Porsche Financial to correct the incorrect report of a missed payment on my loan account. While they assured me that it was a mistake and that they would correct it, the error remains on my credit report. Despite the fact that no payment was missed, this erroneous information has lowered my payment history score from 100 % to 99 % across all three credit bureaus. I am urgently seeking a solution to address this matter and restore my account 's status to " no missed payments, '' thus returning my payment history to a perfect 100 %.
11/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33435	Web
Under section 605C of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are prohibited from including adverse information that resulted from a consumer being the victim of XXXX XXXX after the consumer has notified the consumer reporting agency and provided the required information and documentation. Section 605C of the FCRA and section 1022.142 of Regulation V, specify the documentation and information required to support a request to remove information on the basis that it resulted from XXXX XXXX
06/09/2023	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	IL 60628	Web
In accordance with the Fair Credit Reporting Act, PORSCHE FINANCIAL SRVC XXXX Account Balance : {$33000.00} has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
11/27/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76542	Web
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33435	Web
IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 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 REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30316	Web
In accordance with the fair credit Reporting act Porsche financial/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 furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose
09/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85255	Web
I got a30 day late reporting to the credit bureaus. I was never contacted by XXXX XXXX XXXX about this late payment. My credit history has always been impeccable and I have never had a 30 day late. When I spoke to a supervisor after I notice my credit report she said she could not reverse the action. When I asked why I was never contacted she had no answer. Since that event I enrolled in auto pay so this will never happen again.
07/18/2023	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	FL 331XX	Web
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA XXXXX	Web
I am refilling this complaint to PORSCHE FINANCIAL SRVC for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
10/15/2020	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	NJ 074XX	Web
I have never had a late payment in my life. I had a lease with XXXX that I terminated early and paid off. But yet, during COVID-19 when Congress passed the CARES ACt to protect consumers ' credit, I was marked late in XXXX and XX/XX/2020. How is that possible? I had a 60-month loan that I paid off early and I get marked late after I pay it off? That does not make sense to me.
07/24/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	TX 77494	Web
XXXX manager submitted incorrect income information in credit application to multiple banks. Due to this error, auto loans were denied and left me with limited choices to choose for the loan. Even though the deal was finalized and completed, credit inquiries with dates after the transaction was done have shown up in my credit report when I did not need a loan anymore.
10/01/2021	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	TX XXXXX	Web
I paid off my car lease with Porsche Financial services and closed my account. XXXX credit reporting agency is still reporting my account open with a balance. I have disputed this matter twice with XXXX and they keep reporting my report incorrectly. It should say closed with a XXXX balance. I have provided a letter from Porsche Financial confirming my closed account
05/26/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	FL 33647	Web
they keep denying me for XXXX but told the credit manager at bentley that bc i filed for bankruptcy 14 years ago even though i withdrew my filing and was dismissed in XXXX, but in the letters they XXXX and say something else i just bought a XXXX bentley not sure why this is my 4th one and they keep denying me i belive there really denying me bc im XXXX and XXXX
01/06/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	IL 60620	Web
Incident Description I have been a victim of identity theft. My old apartment at XXXX XXXX XXXX XXXX. I believe the current residence was getting old mail and using my identity to apply for credit card loans utilities and apartments. I have been constantly getting items in my name without my permission. I am not aware of any of these items on my report.
05/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 233XX	Web
This is my second attempt to rectify this matter. Porche Financial is in violation of my rights as a consumer. I am invoking my specified remedy as a consumer. I am demanding that they remove this 30 day late on my consumer reports for XX/XX/2020. This had caused me great hardship and financial injury. Please review my attached affidavit of truth.
04/12/2021	Yes	Vehicle loan or lease Lease	Getting a loan or lease Problem with signing the paperwork	GA 30274	Web
The terms of the lease were unclear to me prior to my signing the lease. Despite my many efforts to ask questions about my lease, I was a continually brushed off and my questions dismissed. I am not satisfied with Porche Financial nor the terms of this deal.
07/01/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	NV 89135	Web
Bentley is reporting me as 30 days late on XX/XX/2019 and XX/XX/2019. There is no way that is true. This has to be a bank error and the late payments need to be removed ASAP
10/20/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	TX 77082	Web
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX porsche of XXXX XXXX is in violation of every XXXX and XXXX law not having sign documents telling me i cant cancel products
12/16/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 92008	Web
Porsche Financial will not correct their customer facing website. The balance is incorrect. They also will not provide internet access for me to pay my bill.
08/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	OH 441XX	Web
I did a 1099 A form that was approved by the IRS on the XX/XX/. It was mailed to the company. They havent updated my account to paid in full!
03/08/2023	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 11743	Web
Lamborghini financial services XX/XX/XXXX {$88000.00} charge off! XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX balance
09/17/2018	Yes	Debt collection Auto debt	Communication tactics Called before 8am or after 9pm	NJ 07002	Web
Repeated calls between XXXX and XXXX.
02/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94066	Web

02/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90039	Web

02/01/2024	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 94619	Web

01/29/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70791	Web

10/23/2023	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	TX 76012	Phone

09/14/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	TX 78749	Web

09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60628	Web

07/03/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	NJ 07306	Web

06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91403	Web

05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33132	Web

05/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77386	Web	Servicemember

03/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33187	Web

03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33129	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94511	Web

11/10/2022	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	IL 60107	Web

08/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77006	Web

05/25/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NY 10028	Phone

05/19/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NY 10028	Phone

04/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91601	Web

03/11/2022	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted your employer	FL 33131	Web	Servicemember

02/01/2022	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 11751	Web

12/31/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	CA 92026	Web	Servicemember

11/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 10301	Web

11/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 23803	Web

09/04/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 76134	Web

07/21/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	GA 30012	Web

07/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90046	Web

06/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91202	Web

05/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94109	Web

03/05/2021	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	NJ 08873	Web

12/18/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CO 80210	Web	Servicemember

12/16/2020	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	IL 62206	Phone

10/19/2020	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 Investigation took more than 30 days	NY 11103	Web	Older American

09/01/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	FL 33023	Web

07/01/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	IL 600XX	Web

04/29/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 78746	Postal mail

03/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 90211	Web

01/24/2020	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	AR 72713	Web

12/11/2019	Yes	Vehicle loan or lease Lease	Managing the loan or lease Problem with fees charged	GA 30114	Web

10/03/2019	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	MO 63017	Web	Older American

08/30/2019	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem extending the lease	CA 94301	Web

08/01/2019	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	CA 90274	Web

07/11/2019	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	CA 92262	Postal mail

06/24/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19127	Fax

10/04/2018	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	CA 956XX	Web

09/18/2018	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	FL 33418	Web

08/30/2018	Yes	Vehicle loan or lease Lease	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	SC 29045	Web

08/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91405	Web

06/20/2018	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	CA 91604	Web

06/12/2018	Yes	Vehicle loan or lease Lease	Problems at the end of the loan or lease Excess mileage, damage, or wear fees, or other problem after the lease is finished	NY 11530	Referral

04/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10022	Web

04/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11742	Web

04/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33133	Web

03/14/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 91770	Web

01/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33172	Web

10/29/2017	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 27012	Web

02/28/2017	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	CO 80005	Web

02/28/2017	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	FL 33015	Referral

08/18/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MI 48085	Postal mail

08/18/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	MI 48085	Postal mail

02/29/2016	No	Consumer Loan Vehicle loan	Managing the loan or lease	FL 33306	Fax

12/28/2015	Yes	Consumer Loan Vehicle lease	Taking out the loan or lease	CT 06880	Web

11/09/2014	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	CA 90024	Web

10/09/2014	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NJ 07676	Web

08/23/2014	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NJ 07676	Web

08/20/2014	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	KS 66224	Web