PRONTO FINANCE INC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/28/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 75126	Web
I am making a complaint against pronto finance and XXXX XXXX XXXX XXXX XXXX. in XXXX of XXXX, I was contacted via phone on my work phone at XXXX XXXX XXXX about being a reference for my ex-husband XXXX XXXX for a vehicle he was trying to buy through XXXX XXXX XXXX XXXX XXXX. I agreed to be a reference I then was contacted by my ex-husband XXXX XXXX stating that he had to have a cosigner for the vehicle I told him I was not comfortable with doing that. In XX/XX/XXXX, I received documents from pronto finance and my name was on these contracts or paperwork as being a buyer. I received many phone calls from XXXX XXXX between the months of XX/XX/XXXX and XX/XX/XXXX, I assumed it was in regard to assisting my ex-husband with buying a vehicle. I was contacted by XXXX XXXX, a manager stating that there were some signatures that were needed and some information that was needed for the vehicle ; After going back and forth I did not let the manager know my sole purpose for coming to the car lot was to look at the documents that they had in their possession. I noticed that the documents that they had in their possession had no actual wet signature or my signature. The signature or names that were on these documents were either printed or had been taken from a computer PDF file. After not getting the desired results from XXXX XXXX XXXX XXXX I contacted XXXX XXXX XXXX XX/XX/XXXX after numerous of calls from XXXX XXXX stating that I was late on a payment for a vehicle contract number XXXX XXXX. I requested to speak to a manager I was transferred to XXXX XXXX. XXXX XXXX was very rude she did not accept the statements I made, I continuously stated until they repossessed in XXXX, I stated the vehicle that I did not agree to be a buyer, I was not making payments I have never made any payments, I did not drive and did not ever drive the vehicle, and I also stated that the vehicle was never ever housed at my location ( s ) or residence I requested Pronto Finance produce a signed contract via e-mail on XX/XX/XXXX ; I submitted my driver 's license and a signed Social Security number to show the consistency and my signature. I received a response from XXXX XXXX stating that if I was concerned about the signature not being mine that I should have my attorney contact them. Pronto finance has taken it upon itself to report this to the credit bureau ( s ), after speaking with my ex-husband at length it is my understanding that they repossessed the vehicle in XX/XX/XXXX they sold the vehicle in XX/XX/XXXX for less than 80 % of the vehicles worth. The credit report also reflects discrepancies and payments, discrepancies in amount old, also the pronto finance continue to report missed payments six months after procuring the vehicle and selling it. I also was told by my ex-husband XXXX XXXX that there was damage to the vehicle when they repossessed it from his residence, my ex-husband stated pronto finance was aware that the vehicle was not in my possession and was aware that I was not the buyer, my ex-husband XXXX XXXX also stated that pronto finance was very much aware that I did not make any payments for the vehicle or insurance and it was not housed where I reside or can be located. My ex-husband XXXX XXXX also stated that he told Pronto Finance on several occasions not to contact me because I am not the buyer or the person that has possession of the vehicle.
02/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46324	Web
I am attempting to purchase a car from my cousin 's lot so he came to my house to check my credit before i spent time going to the dealership to get approved for financing. Upon reviewing my credit profile on XX/XX/XXXX at XXXX at the address listed, i discovered the listed erroneous accounts reported to my personal credit profile : Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$700.00} Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$6500.00} Account Name : XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$550.00} Account Name : XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$940.00} Account Name : XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$470.00} Account Name : XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$110.00} Account Name : ACCT ADJSTMT Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$2300.00} Account Name : XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$1500.00} Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Date Discovered : XX/XX/XXXX Date Opened : XX/XX/XXXX Amount : {$1200.00} Below are erroneous Inquiries : XXXX - XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX Finance/Personal XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Automotive XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX
04/05/2022	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	NV 89119	Web
I purchased a vehicle from Pronto finance in XXXX, IL in XXXX of XXXX. I always paid my car payments on time for the full four years it was due, I made what should have been my last payment on XX/XX/XXXX only to be now told I owe fees from XXXX. I never heard about any fees getting accessed when I paid my car loan both in person and over the phone I asked why was I not told of these alleged fees until now and got no answers. They claim it was penalty fees for not having insurance to which I answered I have been asked about insurance every since I owed the car and always provided it and never received any response afterward also I stated since I have changed insurances several times since XXXX I have no idea who I was insured with at that time. If I owed fees for the years XXXX why wait until the car is paid off to tell me? The car is paid in full along with the interest, why should I pay for fees I never knew anything about? After not hearing anything about fees for four years they are now calling trying to get what is no more than extra money. I don't think it is a good business practice for a finance company to charge fees for years and not tell the consumer until the end. After having this issue with them I read their reviews and noticed others stating how they charged them fees and never told them about it.
03/22/2022	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	IL 60611	Web
I had a car loan with Pronto finance. ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) back in XXXX the car was repossessed, my wages were garnished for the balance, and the account was closed. The loan company continues to report this account as a new account, owing to a balance. This is not true, and the account should have been removed from my profile several months ago. They are using this tactic to interfere with my ability to get approved on other things. This is an unfair practice and is impacting me tremendously. They reported it as close to one credit bureau but will not send the information to all three.
09/10/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	IL 60612	Web
I financed a car through pronto finance and due to a financial hardship i wasnt able to make payments on time after 3 months. My car was towed and i asked for their help to get my car and they agreed that they would help me then they never gave me my car back and told me they were repossessing it due to non payment. I cant remember any specific dates buti got the car in XXXX of 2018 i gave the the dealership which is XXXX XXXX XXXX a XXXX XXXX dollar down payment for the car and when i check my payment history from pronto finance its not on there
04/08/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60611	Web
Pronto Finance The company had my wages garnished, and the total amount was paid in addition to fees. They continue to report the account as a NEW Account each month when it is NOT a new account. This is a violation of federal law and regulation. I do NOT have a new account with this organization, and the creditor violates anti harassing law. I am demanding that this abuse and tactic be investigated. I will escalate the issue to a higher federal authority.
09/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 544XX	Web
XX/XX/2022 I called this loan creditor to send me a copy of the original contract, pay off disclosures, auction receipt ( since they sold the property ) loan insurance proof, and balance history payment. Gave them the legal 30 days to produce it, come to check on XX/XX/2022 I believe they end up closing it on their end writing it off as " bad credit '' but never sent me paperwork? No proof? It does not reflect closed in all XXXX main credit bureaus.
10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60639	Web
Account Number XXXX Account Number XXXX PRONTO FIN {$2500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$1300.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
06/23/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	IL 60634	Web
I had a XXXX XXXX XXXX in which was called and deemed a total loss my insurance has paid them over 90 % of principal and is still pending a cap claim but the financial company also known as pronto finance is still trying to collect money from me and threatened my credit as well
07/28/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60502	Web
Ive filed several disputes with the company by the name of pronto finance to remove this vehicle from my credit report that isnt mine. It does not belong to me and i have {$11000.00} worth of debt sitting on my credit because of this.
03/29/2021	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	IL 60620	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60629	Web

12/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78653	Web

10/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 61008	Web

09/05/2023	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	IL 60657	Web

08/11/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	LA 714XX	Web	Servicemember

06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33173	Web

05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77459	Web

05/12/2023	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 60177	Web

05/08/2023	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	IL 60194	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60475	Web

03/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 61032	Web

01/24/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	IL 60707	Web

11/01/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IL 60651	Phone

08/09/2022	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 60628	Web	Servicemember

04/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60586	Web

05/18/2021	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	TX 77077	Web

12/17/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	IL 60188	Web

11/25/2020	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 78254	Web

10/21/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	IL 60426	Phone