QUALITY ACCEPTANCE LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
06/23/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	IL XXXXX	Web
On or about XX/XX/XXXX I was approved for a Auto loan with Quality Acceptance. Loan amount was {$8900.00} for a XXXX XXXX. On that day I paid a down payment of {$1500.00} with an agreement to return in two weeks with another {$500.00} totalling {$2000.00} for the down payment.. I also signed up for auto pay which was to come directly from my bank account scheduled for every 3rd of the month.. During the month on of XX/XX/XXXX I invested {$6100.00} on major repairs that car needed which I was not aware of. I have invoices and bank statements for proof. The first few months my account was automatically ( autopay ) debited {$340.00} as planned, which was perfect because I had direct deposit to this current day. In XXXX I received a frighting phone call from Quality Acceptance explaining that they were trying to locate the vehicle for repossession, their reasons was for failure to provide car Insurance. I told him that I had faxed Quality Acceptance a copy the same day I switched companys. After claiming that Quality Acceptance never received my faxed, I told him that I had confirmation that it was faxed, then I tried to explain to the representative that I did have insurance and asked if he could give me a moment to retrieved the policy so I could provide information that he was requesting, which took about a minutes, but when I returned to the phone he was no longer on the line. I called back and gave them the policy number and the number to XXXX XXXX Insurance, who also was on auto pay. At the beginning of the following month I checked my bank account to confirm that my Insurance ( auto-pay ) was debited and noticed it wasn't. I called XXXX XXXX to find out why didn't they debit the account and the representative tried to reassure me that they did get the payment. After checking my account again. I called and email the representative at XXXX XXXX and yet again he tried telling me that it was paid ( weird ). My response to him was I needed him to email me the invoice for proof of payment. The next morning I received an email for the representative explaining that my bank account had just been debited the payment. I'm still not sure why he tried to convince me that the monthly payment for my policy was paid when it was not. I am sure that I didn't have any problems with them ( auto-pay ) debiting my account leading up to me providing my Insurance information to Quality Acceptance.. I'm happy I checked.. And my Insurance policy was never cancelled until two months afterQuality Acceptance took my car which was on or about XX/XX/XXXX. On XX/XX/XXXX while checking my account I noticed that my account hadn't not been debited {$340.00} the monthly payment for my car. That day on my way to school I called Quality Acceptance and made a payment for {$340.00} plus they were trying charged late fees. On or about XX/XX/XXXX while getting ready for school I noticed that the vehicle was gone. For two days I called different Cities and tow companies and police stations in the surrounding area but wasn't given any information about what happened to the vehicle.. So the next morning I called Quality Acceptance to report it missing and was told that they picked up.. When I asked why did they have the car, the representative first response/reasons was because I had abandoned the few vehicle. After stating that I did no such thing and asking about their policy and procedures on just how one would determined or come to the conclusione that the vehicle had been a abandoned. She stated that she wasn't sure and told me to hold for a manager. After about twenty minutes on hold another representative answered, and told me that my payment that was due on XXXX for {$340.00}. had not been paid.. He stated that if I wanted my vehicle back that I needed to wire them {$1300.00} cash through XXXX XXXX which included repossession fees. I was also told if I wanted my property returned that was inside the vehicle at the time of repossession which where in two garbage now, I would have to pay an additional {$380.00} cash for storage/holding fees. Two days later I called Quality Acceptance with the {$1300.00} that they were now demanding but I was told by one of their representative 's that the car had been sold in an auction for XXXX.. So I never seen my property or the car again.. At the time I was enrolled in night classes at XXXX for XXXX XXXX located in XXXX but I lived in XXXX XXXX California XXXX I had two weeks left to complete, and on the honor roll, but I still had to complete the required 120 hours of internship at a dental office before I could get my certificate and graduate. Unfortunate I was unable to get there due to no transportation.. I'm going to be XXXX years old. Thats the first program I signed up for and didn't complete, that thought a lone cause pain in my stomach like I need vomit every time I think about. Plus now I have schools loans that would have taken care of themselves a pond my completion.. Quality Acceptance continues to reporting my information to all three Credit Bureau 's . They also started calling me and asking me when did I plan on taking care of the balance. During the month of XX/XX/XXXX they called twice and both times I requested that they validate the debt with records and both times I was told that they mail it, but I hav n't received any thing so On or about XX/XX/XXXX I mailed a certified letter to Quality Acceptance stating that I am requesting/demanding that the debt be validated, but all requests has went unanswered. I tried to dispute the loan on XXXX. But the only change on my credit report dealing with this account was that close it, but they continue to report it.. It their actions that cause me to default on my loans with school amoug other things. Every two weeks I was paying on my students loans at school fath fully while attending school and was current leading up to incident.. Around the time I was approved for the loans to current my credit score has drop from about XXXX. I also talked to a representative from XXXX XXXX bank about my account. I asked what are the procedures for removing auto-pay once its been established? I told her I would have thought that not only would my premission be required but maybe my signature as well because that to was a contract I signed. . But this was cancel/removed without my knowledge. She stated that because Qaulity Acceptance were the one 's who set it up, and without a request from me to my bank for them to cancel auto-pay only Qaulity Acceptance could have discontinued/cancelled auto-pay. She also said to have auto-pay removed usually takes somewhat of a lengthy process and don't usually happen over night. Only Quality Acceptance can can explain their motives behind removing auto-pay which I don't believe a bank has ever done without a request or consent. Please help if nothing else to expose them for their very bad practices that their involved in. I believe they unlawfully stole the car and my personal proprety then demanded for me to pay them a total of {$1600.00} in order for me to be whole again it's frund and it's criminal on a very high scale and scary cause its federal. They are the same ones who approved me for the loan. Well I signed the contract but not but never knew who was the holder in due course ... And also disregarded the amount I invested as well. Quality Acceptance On or about XX/XX/XXXX I was approved for a Auto loan with Quality Acceptance. Loan amount was {$8900.00} for a XXXX XXXX. On that day I paid a down payment of {$1500.00} with an agreement to return in two weeks with another {$500.00} totalling {$2000.00} for the down payment.. I also signed up for auto pay which was to come directly from my bank account scheduled for every XX/XX/XXXX.. During the month on of XX/XX/XXXX I invested {$6100.00} on major repairs that car needed which I was not aware of. I have invoices and bank statements for proof. The first few months my account was automatically ( autopay ) debited {$340.00} as planned, which was perfect because had direct deposit to this current day. In XXXX I received a frighting phone call from Quality Acceptance explaining that they were trying to locate the vehicle for repossession, their reasons was for failure to provide car Insurance. I told him that I had faxed Quality Acceptance a copy the same day I switched companys. After claiming that Quality Acceptance never received my faxed, I told him that I had confirmation that it was faxed, then I tried to explain to the representative that I did have insurance and asked if he could give me a moment to retrieved the policy so I could provide information that he was now requesting for proof, which only took about two minutes, but when I returned he hung up and was no longer on the phone. I called back and provided them the policy number and the number to XXXX XXXX Insurance, who also was on auto pay. The following month I checked my bank account to confirm that my Insurance ( auto-pay ) was debited and noticed it wasn't. I called XXXX XXXX to find out why didn't they debit the account and the representative tried to reassure me that they did get the payment. After checking my account again. I called and email the representative at XXXX XXXX and yet again he tried telling me that it was paid ( weird ). My response to him was I needed him to email me the invoice for proof of payment. The next morning I received an email for the representative explaining that my bank account had just been debited the payment. I'm still not sure why he tried to convince me that the monthly payment for my policy was paid when it was not. I am sure that I didn't have any problems with them ( auto-pay ) debiting my account leading up to me providing my Insurance information to Quality Acceptance.. I'm happy I checked.. My Insurance policy didn't cancelled out until two months afterQuality Acceptance took my car which was on or about XX/XX/XXXX. On XX/XX/XXXX while checking my account I noticed that my account hadn't not been debited {$340.00} the monthly payment for my car. That day on my way to school I called Quality Acceptance and made a payment for {$340.00} plus they were trying charged late fees. On or about XX/XX/XXXX while getting ready for school I noticed that the vehicle was gone. For two days I called different Cities and tow companies and police stations in the surrounding area but wasn't given any information about what happened to the vehicle.. So the next morning I called Quality Acceptance to report it missing and was told that they picked up.. When I asked why did they have the car, the representative first response/reasons was because I had abandoned the few vehicle. After stating that I did no such thing and asking about their policy and procedures on just how one would determined or come to the conclusione that the vehicle had been a abandoned. She stated that she wasn't sure and told me to hold for a manager. After about twenty minutes on hold another representative answered, and told me that my payment that was due on XXXX for {$340.00}. had not been paid.. He stated that if I wanted my vehicle back that I needed to wire them {$1300.00} cash through XXXX XXXX which included repossession fees. I was also told if I wanted my property returned that was inside the vehicle at the time of repossession, I would have to pay an additional {$380.00} cash for storage/holding fees. Two days later I called Quality Acceptance with the {$1300.00} that they were now demanding but I was told by one of their representative 's that the car had been sold in an auction for XXXX So I never seen my property or the car again.. At the time I was enrolled in night classes at XXXX for XXXX XXXX located in XXXX but I lived in XXXX XXXX California XXXX I had two weeks left to complete, and on the honor roll, but I still had to complete the required 120 hours of internship at a dental office before I could get my certificate and graduate. Unfortunate I was unable to get there due to no transportation.. I'm going to be XXXX years old. Thats the first program I signed up for and didn't complete, that thought a lone cause pain in stomach like I need vomit every time I think about. Plus now I have schools loans that would have taken care of themselves a pond my completion.. Quality Acceptance continues to reporting my information to all three Credit Bureau 's . They also started calling me and asking me when did I plan on taking care of the balance. During the month of XX/XX/XXXX they called twice and both times I requested that they validate the debt with records and both times I was told that they mail it, but I hav n't received any thing so On or about XX/XX/XXXX I mailed a certified letter to Quality Acceptance stating that I am requesting/demanding that the debt be validated, but all requests has went unanswered. I tried to dispute the loan on Experianand. But the only change on my credit report dealing with that account was that close it, but they continue to report it.. My credit score has dropped down from XXXX due to this loan defaults on mu school loans amoug other things. Every two weeks I was paying on my students loans at school while attending school and was current leading up this incident..I also talked to a representative from XXXX XXXX bank about my account. I asked what are the procedures for removing auto-pay once its been established, I told her that I would have thought that not only would premission be required to cancel auto-pay but a signature as well be I signed a contract to establish auto-pay. XXXX She stated that because Qaulity Acceptance were the one 's who set up on there in, and because I didn't personally set it up at one of XXXX XXXX branch, only Qaulity Acceptance or I could have discontinued/cancelled auto-pay. She also said to have auto-pay removed it somewhat of a lengthy process and do not happen over night. Only Quality Acceptance can explain their motives behind removing auto-pay on my account without my consent or knowledge. Also dishonoring another contract ( auto-pay ). Why would a bank cancel the consent to withdraw funds from an account that they are entitled, it's unheard of.. please help.. if nothing else expose them so they'll stop thier bad practice 's that their involved in. I believe they unlawfully stole the car and my personal proprety then demanded for me to pay them a total of {$1600.00} in order for me to be whole again it's frund and it's criminal on a scale that's scary. They are the same ones who approved me for the loan. Well I signed the contract but can not confirmed who is holder in due course, after all I've invested and as a consumer I deserve to know. I Quality Acceptance # XXXX I will attach everything I consider evidence including bank statements and a copy of the certified letter requesting that the debt be validated.. I am hopeful that they will feel more obligated to respond and speak with your office more then they spoke with me. .. I'm far from perfect and so is my credit, but I really tried to not only improve credit but also stay in honor of the contract by by having a safe gard there like auto-pay, direct deposit, also checking my account just for confirmation and piece of mind for Qauliy Acceptance and myself. I'm really not sure what else I could have done to prevent this. I don't think anyone should have been treated in such a way no matter what class or status a person is classified as. Sincerely XXXX XXXX, XXXX This letter is addressed to whom it may concern.. I thank you for your time, for much, it's truly appreciated. Thank you
09/05/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NV 89104	Web
In XXXX XXXX after a car accident that had left our car totaled, and we were patiently waiting to hear from XXXX XXXX about a new car they were offering for us as replacement. Nearly a year went by without hearing from XXXX XXXX so traveled from XXXX, XXXX to XXXX XXXX XXXX, where we bought the car that was totaled at XXXX, and financed through XXXX. 2 years of payments up to date, only a few times was it a week late. But our relationship was good with XXXX and we had 4 % interest. As other letters stated we were severely identity theft and there was a lot of false creditors on our credit report that we were trying to resolve. We supplied XXXX with police documents and other proof of identity theft as well XXXX the sales lady made it very clear that on her computer she saw a person named XXXX was illegally using my credit. Now at time we sat down she said they be no issues getting a car due to our great credit history with lender of last car we got from them and we paid 4 % interest. We also were told {$1000.00} down would originally be plenty. We were told that 12 % was our interest rate. And paperwork had started on a XXXX MUSTANG for XXXX. XXXX sales lady came back and said that interest rate had changed to 17 % and that we would need now an additional {$1000.00} = {$2000.00} down. We reluctantly agreed but were assured that in one year if we were up to date with payments, the interest rate would fall extremely low for remainder of the 36 payments. But after that, we were yet told one more time that interest rate now rose to 19.95 %. Or if we paid car off early we would naturally not owe the 19.95 interest rate of the lower one for those months paid early on the back end. In following year we either made our payments before hand and in one occasion it was one week late. But QUALITY ACCEPTANCE LLC would call for no reason, harassing about payments even when we were up to date, check phone records. And sometimes more than once a day to me and to XXXX separately even after we explained the payment went out on time or for one time one week late. So in XXXX XXXX after one too many harassing phone calls, I called and spoke to a XXXX at QUALITY ACCEPTANCE, due to all the prank phone calls from our identity theft and so many unresolved issues, I contacted FTC to see what the laws or regulations were. I found out that it is against regulation for them to call so many times, and if I let them know that they need to stop, that they have to be law. As well that with my proven identity theft and loss, and unresolved fraud on my credit report and that I not only proved it to them, but also they let me know they were aware as they saw it for themselves, that we deserved a much fairer interest rate than given at time of purchase. I also discussed my one year of loan payments on time to QUALITY ACCEPTANCE, that I wanted talk about the lower of interest rate as promised, and XXXX said that payment status was very good that they were not gon na lower the interest rate as promised. So I asked XXXX if it would be ok if I was one payment behind and put it in back. She said yes, that my payment history was good enough that they could extend that to me. That call was in XXXX XXXX. And not only but a few days later from calling XXXX and her confirming that I could be late and that not to have people calling me, I got several calls about the payment even though I confirmed XXXX said it was ok and after asking customer service to stop calling me, that I made a complaint, they still continued call. And after doing a little research and finding out that QUALITY ACCEPTANCE, not only took advantage of our identity theft situation charging a much higher interest rate than we deserved, and charging us twice as much down as first said, and the fact they had no integrity in honoring the lowering
08/10/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	IL XXXXX	Web
XXXX company response Thank you for your inquire with Quality Acceptance ... Unfortunately Quality Acceptance has responded with information and alleged dates, and times, that are very inconsistent with my document/records. Also in this response Quality Acceptance has again fail to mention or validate this claim with any records that I requested XX/XX/XXXX. Without the proper paperwork I am unable to confirm Quality Acceptance own this debt, nor can I confirm that I am obligated in any way. It's inappropriate and unethical to make a claim without the original note.. Due to the facts that Quality Acceptance has not been very forth coming with any truthful Information about this loan, nor any truthful information surrounding the repossession of vehicle. After the confused and mis-information I received, It was out of good faith that I requested records over the phone twice, I was reassured both times, that it would be in the mail. I've never attempted to reinstate this this loan in any way after XX/XX/XXXX. I only requested records, because I started questioning the legitimacy of Quality Acceptance in its entirety. XX/XX/XXXX is when they repossessed the vehicle stating several different reasons. I was told {$1300.00} was needed in order for them to return vehicle, an extra {$350.00} for the return of property. Three days later I called to pay a ransom, that was being demanded. I was told that it was sold at an auction that morning for {$17000.00} and there was nothing I could do about it. After that day I had know other reason to call Quality Acceptance except to give the a current address so they could mail the requested records.. I have submitted records from My XXXX XXXX XXXX account for the records to reflect that Quality Acceptance withdraw payments automatically starting XX/XX/XXXX due to the facts, that I completed the form for auto pay at the dealership before I ever received keys XX/XX/XXXX. After speaking with my banker I was told that Quality Acceptance was the only one who could have cancel it.. I don't know why Quality Acceptance was unscrupulous in their dealings and continue to carry on like this isn't damaging my name. Quality Acceptance continues to unscrupulously report my information to the credit bureau, they also in the response letter claims that I made statement that I never made. I was never mailed any records and I can not satisfy any debt without claim that I can't verify.. please send me the information please.. Conclusion on XX/XX/XXXX I sent Quality Acceptance a certified letter # XXXX XXXX XXXX XXXX XXXX validate the debt 15 U.S sec 1692g. 1. Furthermore, Quality Acceptance continues to conduct itself in dishonor and in bad faith by submitting false information on the record but has fail to submit anything valid for for records.. . 2. Furthermore, I have provided my XXXX XXXX XXXX statements showing all auto pay Electronic transactions by Quality Acceptance starting XXXX rebuttal to 3. Quality Acceptance statements of false occurrences and dates allegedly communicate with me. 4. Further more, on XX/XX/XXXX Quality Acceptance received a certified letter requesting for validation of debt and as of XX/XX/XXXX my request has went unanswered. Quality Acceptance is the true creditor, or holder in due course. In violation of the Fair Debt Collection Practice Act Sec. 1692g-Validation of debt. ( a ) NOTICED OF DEBT I XXXX XXXX has requested records that are necessary for in a attempt to satisfy this claim, and is unable due to a willful acts of Quality Acceptance, and I am demanding that they correct the record on any mis-infor-mation dealing with my person immediately. I am being damage everyday since XX/XX/XXXX daily if this continued I won't hesitate to filed suit for more then what this relationship has cost me already..
06/03/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NV 89104	Web
went to XXXX where we bought the XXXX XXXX that we had with XXXX XXXX XXXX. XXXX was amazing. All our payments were on time in the two years we had the car. Our interest rate was 4 %. for the XXXX purchased in XXXX, then it was totaled in a car accident in XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX go into XXXX to fiance a XXXX XXXX. I do believe the BLUE BOOK VALUE was around XXXX, but the modestly had it priced at XXXX. The first thing out the the car dealers mouth was asking XXXX XXXX " DO YOU KNOW A XXXX? '' In which XXXX XXXX replied NO. The dealer then said that XXXX WAS USING XXXX XXXX CREDIT without his authoriztion, inwhich we supplied DEALER with info on severe identity theft issues we had happen in the prior few years. We were told we would only have to put {$1000.00} down. During the paperwork process we were then notified that we would need to put an additional {$1000.00} down {$2000.00} down. So we did. We were then notified that we would be paying 13 % interest, then short time later we were told 15 %, and this went on for hour til we were finally told 19.95 interest. We found this to be highly irregular. I thought there as a cap on how much interest you could exploit someone for, knowing they been idenity theft and had a 100 % clean track record. So by the time the whole thing finished, we were told we be going with XXXX XXXX XXXX again, but no we later found out QUALITY ACCEPTANCE. During the next year we made good on all XXXX next payments of {$370.00}, however we were both getting an on slot of calls from QUALITY that were unneeded, I was told after a year we could get our finance charge lowered, but no even cared to help us. I contacted the FTC commission for THREE reasons in XXXX XXXX #! QUALITY ACCEPTANCE was off its rocker with unneeded harassing phone calls. # 2 We were promised lower interest, we were also told this interest rate was alot higher than it should have been. # 3 The sales slip is attached here. The over charged us about {$3000.00} in interest. As you see all way to left a column starts ANNUAL PERCENTAGE RATE 19.95 FINANCE CHARGE XXXX AMOUNT FINANCED XXXX TOTAL OF PAYMENTS XXXX If you look at it quickly you can see the mistake clear as day, if amount FIANCED is XXXX and interest is 19.95 ( though way higher than allowed ) you can see that fiance charge XXXX is almost at 43 % not XXXX. The correct price is XXXX plus XXXX ( XXXX ) that is {$14.00} NOT XXXX DIFFERENCE of XXXX As well I told FTC I was surrendering the car for these three reasons, on may way to do so, someone backed into me and caused damage to the rear end of the car. I called the insurance company and I left the info with the plates for XXXX, and then come a huge amount of phone calls and huge amount of threatening letters from QUAILTY ACCEPTANCE. The sold the car for {$4000.00} without even bothering getting it fixed with my info which is neither here nor there, cause like I said, we paid XXXX payments XXXX the XXXX payments we made XXXX how much QUALITY got for the car at auction XXXX the amount XXXX XXXX paid in XXXX XXXX Thats XXXX NOT INCLUDING BLUE BOOK which QUALITY nor RELAIBLE bothered to count in It is true we did not call QUALITY back right away, all the harrassing phone calls and letters started early XXXX XXXX and went on til XXXX XXXX with a very serious threatening letter from them. So, its our money, yet, look all that happened, look, this is not a joke, look at this. So finally things calmed down, XXXX overpaid hoping it would help get QUALITY off our credit, after think about it, how were we late with a payment, we are being charged 19.95 interest, a rate suppose go lower, we paid XXXX payments in a row, we turned the car in and they got {$4000.00} to put toward the balance, so no we were no late, so when XXXX overpaid be
06/02/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NV 89104	Web
Here is the issues, we bought the car from XXXX, because we were waiting over XXXX months for XXXX to honor giving us a car from their XXXX PROGRAM, it never happened. So we went to XXXX where we bought the XXXX MUSTANG that we had with XXXX was amazing. All our payments were on time in the XXXX years we had the car. Our interest rate was 4 %. for the XXXX MUSTANG purchased in XXXX, then it was totaled in a car accident in XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX go into XXXX to fiance a XXXX MUSTANG. I do believe the XXXX VALUE was around XXXX, but the modestly had it priced at XXXX. The first thing out the the car dealers mouth was asking XXXX XXXX " DO YOU KNOW A XXXX? '' In which XXXX XXXX replied NO. The dealer then said that XXXX WAS USING XXXX XXXX CREDIT without his authoriztion, inwhich we supplied DEALER with info on severe identity theft issues we had happen in the prior few years. We were told we would only have to put {$1000.00} down. During the paperwork process we were then notified that we would need to put an additional {$1000.00} down {$2000.00} down. So we did. We were then notified that we would be paying 13 % interest, then short time later we were told 15 %, and this went on for hour til we were finally told XXXX interest. We found this to be highly irregular. I thought there as a cap on how much interest you could exploit someone for, knowing they been idenity theft and had a 100 % clean track record. So by the time the whole thing finished, we were told we be going with XXXX XXXX XXXX again, but no we later found out QUALITY ACCEPTANCE. During the next year we made good on all XXXX next payments of {$370.00}, however we were XXXX getting an on slot of calls from QUALITY that were unneeded, I was told after a year we could get our finance charge lowered, but no even cared to help us. I contacted the FTC commission for XXXX reasons in XXXX XXXX #! QUALITY ACCEPTANCE was off its rocker with unneeded harassing phone calls. # 2 We were promised lower interest, we were also told this interest rate was alot higher than it should have been. # 3 The sales slip is attached here. The over charged us about {$3000.00} in interest. As you see all way to left a column starts ANNUAL PERCENTAGE RATE XXXX FINANCE CHARGE XXXX AMOUNT FINANCED XXXX TOTAL OF PAYMENTS XXXX If you look at it quickly you can see the mistake clear as day, if amount FIANCED is XXXX and interest is XXXX ( though way higher than allowed ) you can see that fiance charge XXXX is almost at 43 % not XXXX. The correct price is XXXX plus XXXX XXXX XXXX ) that is {$14.00} NOT XXXX DIFFERENCE of XXXX As well I told FTC I was surrendering the car for these XXXX reasons, on XXXX way to do so, someone backed into me and caused damage to the rear end of the car. I called the insurance company and I left the info with the plates for XXXX, and then come a huge amount of phone calls and huge amount of threatening letters from QUAILTY ACCEPTANCE. The sold the car for {$4000.00} without even bothering getting it fixed with my info which is neither here nor there, cause like I said, we paid XXXX payments XXXX the XXXX payments we made XXXX how much QUALITY got for the car at auction XXXX the amount XXXX XXXX paid in XXXX XXXX XXXX XXXX NOT INCLUDING XXXX VALUE which QUALITY nor RELAIBLE bothered to count in It is true we did not call QUALITY back right away, all the harrassing phone calls and letters started early XXXX XXXX and went on til XXXX XXXX with a very serious threatening letter from them. So, its our money, yet, look all that happened, look, this is not a joke, look at this. So finally things calmed down, XXXX overpaid hoping it would help get QUALITY ACCEPTANCE off our credit, after think about it, how were we late with a payment, we are b
05/15/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NV 89104	Web
In XXXX XXXX myself and XXXX XXXX went to reliable auto in XXXX to get a a new car after waiting for XXXX XXXX to assist us with a car from their AUTO CIRCLE program after a car accident under the policy which after ten months of waiting they did not do. The car that we were replacing was purchased at XXXX in XX/XX/XXXX through XXXX XXXX. And in the time we had the car we never missed a payment. With the XXXX car our interest rate was 4 %. Right out of the gate XXXX asked me If I knew a XXXX, I said no why, salesperson informed me that they were using my credit. And salesperson said that was all they could tell me. As for the interest rate on the car purchased in XX/XX/XXXX, it was first told to us it was gon na be 17 % then the sales lady kept coming back and saying it went up another 1 %. By time we were done it was 21 %. And the it was a XXXX XXXX Mustang for {$10000.00}. We put down {$1500.00} so the amount to fiance was {$8900.00}. We were told that if we made good on a years payments we would get the interest rate lowered. We also thought we were going to be getting XXXX XXXX again but we ended up with QUALITY ACCEPTANCE. From XXXX XXXX to XXXX XXXX, the first three months paid the during first month. And then after that I was always on time, the latest the bill arrived at QUALITY ACCEPTANCE was only a few days late if that. Yet, XXXX and I were both getting annoying calls from QUALITY ACCEPTANCE so much so that in XXXX XXXX, I talked to SUPERVISOR XXXX and let her know of the on going annoying calls that we were getting that were more than what the FTC allows. And after a year even with us making all payments on time. XX/XX/XXXX I decided to move back to XXXX XXXX from XXXX and I contacted the FTC as not only was the interest rate not lowered as promised but QUALITY ACCEPTANCE was calling XXXX phone and my phone several times a day at times and few weeks prior XXXX even said al my payments were up to date. So I decided to turn the CAR in XXXX XXXX. At this point car was XXXX and we put {$1500.00} down and made XXXX payments of {$370.00} minus the % 21 interest and that 's another {$3500.00} we paid toward car a total of = {$5300.00} was owed but car was rear ended on way to surrendering it, but still driveable and QUALITY acceptance got {$3000.00} for it at auction, leaving the total of what we owed at $ XXXX was XXXX na pay it right away, but with all the identity theft issues and robbery issues and car accident issues we were still dealing with, I felt it was best we talked to an attorney about QUALITY ACCEPTANCE harrassing phone calls and the high interest rate. QUALITY ACCEPTANCE started a heap of phone calls to me in XX/XX/XXXX and XX/XX/XXXX way above the normal. I do n't expect them to care about all the fiance issues we were trying to fix but that was why we were using them in the first place. And finally when the waters calmed down even though QUALITy ACCCEPTANCE was calling a heap was unprofessional XXXX decided to pay off the balance which we owed XXXX but QUALITY ACCEPTANCE was dinging our credit like crazy and they made XXXX pay {$9000.00}. {$6600.00} more than blue book and what was needed. XXXX then in XXXX XXXX called XXXX and said since we paid car off can they take it off our credit, again them knowing our credit was destroyed by identity theft and other illegal activity against us. XXXX SAID NO.
09/05/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NV 89104	Web
Quality Acceptance LLC is disgusting. We were told that 12 % was our interest rate. And paperwork had started on a XXXX MUSTANG for XXXX. XXXX sales lady came back and said that interest rate had changed to 17 % and that we would need now an additional {$1000.00} = {$2000.00} down. We reluctantly agreed but were assured that in one year if we were up to date with payments, the interest rate would fall extremely low for remainder of the 36 payments. But after that, we were yet told one more time that interest rate now rose to 19.95 %. Or if we paid car off early we would naturally not owe the 19.95 interest rate of the lower one for those months paid early on the back end. In following year we either made our payments before hand and in one occasion it was one week late. But QUALITY ACCEPTANCE LLC would call for no reason, harassing about payments even when we were up to date, check phone records. And sometimes more than once a day to me and to XXXX separately even after we explained the payment went out on time or for one time one week late. So in XXXX XXXX after one too many harassing phone calls, I called and spoke to a XXXX at QUALITY ACCEPTANCE, due to all the prank phone calls from our identity theft and so many unresolved issues, I contacted FTC to see what the laws or regulations were. I found out that it is against regulation for them to call so many times, and if I let them know that they need to stop, that they have to be law. As well that with my proven identity theft and loss, and unresolved fraud on my credit report and that I not only proved it to them, but also they let me know they were aware as they saw it for themselves, that we deserved a much fairer interest rate than given at time of purchase. I also discussed my one year of loan payments on time to QUALITY ACCEPTANCE, that I wanted talk about the lower of interest rate as promised, and XXXX said that payment status was very good that they were not gon na lower the interest rate as promised. So I asked XXXX if it would be ok if I was one payment behind and put it in back. She said yes, that my payment history was good enough that they could extend that to me. That call was in XXXX XXXX. And not only but a few days later from calling XXXX and her confirming that I could be late and that not to have people calling me, I got several calls about the payment even though I confirmed XXXX said it was ok and after asking customer service to stop calling me, that I made a complaint, they still continued call. And after doing a little research and finding out that QUALITY ACCEPTANCE, not only took advantage of our identity theft situation charging a much higher interest rate than we deserved, and charging us twice as much down as first said, and the fact they had no integrity in honoring the lowering of interest rate, and not only all the annoying phone calls, but to make them after I asked them not to ; I found out that they had violated regulations and had cheated us.
08/16/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	NV 89104	Web
I have been fighting this for quite some time against QUALITY ACCEPTANCE and XXXX XXXX. The issues are huge and plentiful. And at no point has other company done anything to fix issues. I got a letter from NEVADA GOVERNOR OFFICE who found my issues and complaints to be accurate. The Governor office sent the issues to CONSUMER AFFAIRS in NEVADA to assist in my issues. I spoke to CONSUMER AFFAIRS who indeed found my complaints and issues to be more than valid, they have recently submitted my complaints and issues about XXXX XXXX and QUALITY ACCEPTANCE to DMV INVESTIGATORS and DEPARTMENT OF BUSINESS AND INDUSTRY on behalf of the GOVERNOR OFFICE and CONSUMER AFFAIRS. Not only are the issues huge, but XXXX XXXX at QUALITY ACCEPTANCE called an officer of the law and said I was calling and texting her threatening things. I did email QUALITY ACCEPTANCE never here specifically, but in my letters I did express extreme anger and hoping XXXX found guilty and sent to prison due to fact she has NEVER returned a call and her letters to me are XXXX, cross and never ever does she discuss the issues. And I did use the XXXX word. But, I did not call a cop and make illegal statement like she did and I do not try to cover up a crime. XXXX XXXX And QUALITY ACCEPTANCE committed these issues TO NAME JUST A FEW : Lied to make a sale saying they would change high interest rate a year later just to make a sale, used unethical business practice to make a sale, charged a high interest knowing we were victims of a huge robbery and identity theft when the prior car we obtained from them was only % 4 verses the now % 19.95, on paperwork put the {$2000.00} deposit, and bunch of other items in the final payment, where we were to pay {$12000.00} for the junkie fifth rate car they dubbed sold us, the put the overly high and gross interest rate on over {$15000.00}, with the down payment and everything else the car ended up costing over {$19000.00} for a car that only cost a little over {$14000.00}, called repeatedly after called manager to warn them they were breaking FTC commission laws ( BUT CALLED REPEATEDLY AND WAS AGGRESSIVE FOR NO REASON, after a year of making payments found out XXXX XXXX illegally lied about saying they could lower interest rate so turned car in upon turning the car in QUALITY ACCEPTANCE NEVER CONTACTED US TO LET US KNOW WHETHER OR NOT WE WANTED TO BUY THE CAR OUT RIGHT OR TO LET US KNOW IT WAS GOING TO AUCTION, on top of that QUALITY ACCEPTANCE FLATLY REFUSES TO SEND A SALES SHEET OF HOW MUCH THE CAR ACTUALLY MADE AT THEIR ILLEGAL AUCTION, ON TOP OF THAT ON TOP OF THAT ON TOP OF, QUALITY ACCEPTANCE IMMEDIATELY SENT OUT THREATENING LETTER ABOUT SUING WHICH THE LAW HAS VERY SPECIFIC LAWS ABOUT THREATENING CONSUMERS WITH SUING ( A COMPANY MUST SUE IF THEY ARE GON NA SUE NOT SENDING THREATENING LETTER AFTER LETTER ESPECIALLY WHEN QUALITY ACCEPTANCE FELT THEY COULD BULLY AND HARASS US SO WE COULD LINE THEIR POCKETS WITH EXTRA EXTRA MONEY )
03/25/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 91732	Web	Older American
I contacted Quality Acceptance LLC in Febuary XXXX for a voluntarysurrender/repossession due to transmission almost completely goneI informed their collection agent XXXX, in XXXX XXXX that the car was in storage and I was fearful of moving it. I gave her the location and we agreeded that on the XXXX of the month I would pay storage call them immediately they could pickup the car and I take my possessionsthat were in the car this did not happen they picked up the car ahead oftime and refused to give me any information regarding the location of carand what I needed to pay in order to get my possessions back. I wrote to themthem XXXX times I ask them if they still had the car?? and I disputed their report that it was an involuntary repossession.After receiving my credit report asking them if they still had the car. I got no response I wrote tothem XXXX more times XXXX requesting validation of debt and XXXX goodwill/validation of debt still no response I have copies of letters and certified documentation that letters were delivered. In XXXX of XXXX they reported I owed them {$3600.00} In XXXX XXXX they reported I owed them {$5400.00} and reported it as a total loss. I have not had the car since XXXX XXXX they did not respond to my disputes that this was a voluntarysurrender/repossession initiated by me in XXXX. I have disputed this not only with the company several times but with XXXX and EQUIFAX without any results expected for them to say they investigated and It remain the same. This is not true and accurate information the car had major repair problemswithin 9 months of purchase I initiated a voluntary repossession/surrenderin XXXX of XXXX they took possession of car in XXXX or XXXX of XXXX prior to our agreement that I would pay storage, remove my possessions and call themimmediately for them to pick up car as a voluntary repossession/surrender The Company Quality Acceptance has not engaged in Fair Business Practices and XXXX and XXXX also did not engage in the Fair Credit Reporting Act in which I have the right to dispute incomplete or inaccurate information This was a voluntary surrender/repossessionwhich I have disputed since XXXX with no resultsdocumentation that I sent them
06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 770XX	Web
I did not give Quality Acceptance the permission to furnish information on my consumer report. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. Quality Acceptance is also reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681. TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I signed an agreement to enter into a credit transaction with Quality Acceptance ( on an unknown date because my consumer report is showing two different dates ) but had no say, legally it takes two consenting parties to create and agree. I was not informed, the agreement was not conspicuous and clear of basic facts and I made a uniformed decision. There is no evidence of indebtedness, the only evidence of the debt was the agreement I signed but because of the uniformed decision that agreement is null and void. My complaint is also with two bureaus XXXX and XXXX who are allowing Quality Acceptance to put this incorrect information on my consumer report which are also violations under FCRA For those three violations I am seeking {$3000.00} in remedy under 15 USC 192k a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ;
03/15/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NV 89101	Web
I've contacted on numerous occasions. In the appropriate time of repossession. All I ask of the company is to provide documentation of sell of vehicle and amount of my loan that was paid off 3 months early. Spoke with company on multiple occasions of Pay out for vehicle. I was provided a different amount from whats on my credit, what was reported for pay out to numerous of other dealership companies when I was looking to trade for a working car because the car broke down months prior to turning over the vehicle. After turning the over vehicle, company could not provide me any documentation of sell nor why my pay out is different after received. A dealership called on my behalf on XX/XX/2022 regarding payout for the vehicle and was quoted remaining balance was {$4600.00}. After vehicle was sold at auction is when the remaining balance went back to almost {$10000.00}. The regular amount paid for vehicle. Contact company on multiple occasions regarding the increase balance and request the documentation for account before account appear on my credit report and before turning into a charge off.. Company refused to provide information I am requesting, and Defamation of my character numerous of times. To where I am feeling threatened by the company for requesting the validation of debt. Company has taking to threat to sue me in small claims because I am not answering calls and company refused to abide to my only certified mail contact. I am at the point where I don't know what to do if I can not get the company to respond. And when company finally do is threatened to sue for more money and pull debt amount. And all I am doing and been trying to do is resolve this matter easily and quickly as possible but company refuses all attempts. Recent letter sent to company is attached due to company has Defamation of my character numerous times. Response letter from company is attached as well
03/08/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 77014	Web
I 've been making payments to this company for almost 2 years, and everytime I 'm a little late on my payments, the company would call my cell phone and my job to harass me. It never once failed for them to call my job and embarrass me. The bad part about is they would discuss my personal information with my coworker which is very unprofessional against the law. Most time they are really rude towards my coworkers and especially me. I failed to make payments toward my car because of my mothers health issue, so I have been struggling. I spoke to the representative there and explain everything to them what 's going on but they really do n't care. I also sent an email to them regarding my situation on XXXX XXXX, 2016, but I doubt they would read it. That same exact date, I encountered the true colors of the workers there. A representative name XXXX has been calling my job constantly and threatens me. She says you owe {$800.00} on the car how are you going to pay it? I told her I will find a way, but as of now I 'm at a dead end. She says excuse me, no you need to go borrow it and pay for it, you 're such a lack of responsibilities. Once you find the money call me back with the reference and slams the phone in my face. I have never experienced anything like that in my life. I have student loans and the representatives there never once speak to me like I 'm an animal. I 'm a human being also, and there 's no need for them to be disrespectful to me. I thought to myself how can I abide by the law, when they 're so cruel to me. I just want them to understand what I am going through and to stop harassing me at work, and especially telling my coworkers about my situation. If they constantly keep doing that I will have to take it further. So please help me on this. Thank you.
12/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78217	Web
NOITICE QUALITY ACC IS IN VIOLATION OF ; Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
12/13/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78217	Web
NOITICE QUALITY ACC IS IN VIOLATION OF ; Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
11/03/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 238XX	Web
I have provided my invoices as documentation and evidence of the type of practices I have experienced with the company, Quallity Acceptance. The explanations given about the practices did not make practical sense and I've had several attorneys and car dealerships to review the invoices to see if they could surmise what the company was doing with the extra payments that I was making on the loan ; none of them come explain or follow the process. If you look closely at the Account Activity - Overage/Shortage ( in the center of the invoice ) and the Due Dates ( at the top right ) ; this was alarming to me and I called three to four times for an explanation ; again their responses did not make practical sense in terms of how they applied my second payment each month. You will notice a change in the " contracted '' amount of {$470.00} ; it changed to {$540.00} and their explanation was that it is how they will " catch me up '' on the payments being applied to the account. I called and asked for an amortization schedule approximately 5 months ago and to date I have not received one ; this would have been the second I would have received. Also, how does a company automatically change the contracted amount on an installment loan without redoing a contract? My latest statement has a due date of XXXX, 2022 and the Overage/Shortage is now {$23.00} or so when it was showing as a negative amount upwards of {$300.00} or more which reflects the additional amounts I made monthly. As a consumer, I am quite upset with the answers and processes that I see occurring. I printed out all the documents and attached them to the complaint.. Thank you for any assistance that you can provide in this matter ; I really appreciate it.
03/05/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CA 90004	Web
I opened an auto loan with Quality Acceptance. In XX/XX/XXXX. The car was repossessed XXXX of XXXX. I never recieved any proper communication before repo. The car was dragged out of my driveway with no communication of their intent to do so. They would eventually send the car to auction.Without giving me the option to recover. I am unsure of the auction price because they refuse to give me any information. A few months later the pandemic would hit. The amount owed after the car was sold was never updated to credit bural. When it did. It updated as a charge off of XXXX. I would later recieve an update of the account being " Closed and Charged Off '', I tried calling to figure out what I actually owe, but Quality Acceptance keeps changing the amount. They won't give me a straight forward answer and are very aggressive on the phone. I have no idea why I owe this new XXXX amount, and I haven't recieved an invoices since XXXX for ANY of these new amounts chaged to the this closed and discharged account on my credit file. I believe this company is using unlawful practices to force people into paying significantly more then what they originally owed. My balance was a little over XXXX in XXXX. Without notice, now the balance is XXXX. They have charged over XXXX since the account closed in XXXX. Keep in mind this account is closed, and I haven't received a single invoice, phone call, or email communication for ANY charges accuring on my report. As of today XX/XX/XXXX. I think they know I can't pay this amount. And they a purposely and with bad faith, attempting to ruin my credit.
03/14/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NV 89102	Web
I have a car repo and take i feel that just take my money i put XXXX dowm payment when we sstar the procces i say that i only have XXXX for down payment but they releaseme a car but later they cant aprove because i will need more ddaw payment i say i have XXXX but later they say not enouhg that i will need a least XXXX that i say ok i was driven thr car already they put in 3 payment XXXX +XXXX+XXXX when the XXXX payment i dont make i recieve a call that i have to pay or they will come for the car and then a month pass and i recieve a call from finance loan that i dont was aprrove i call dealer and they say is ok i olso buy a GAP insurance i dont know why if i have XXXX deductible but the problem is that i buy the car and was no condicion i have to expend XXXX on alternador amd battery new but the worsh is they use something that when the day after i dont make a payment they kill the car i can drive how they want me to pay if i dont move arround to work because they dont let me drive and by the end no was two months amd finaly they come for the car a police plate in the neck nock my door and say that he will take the car amd if i dont move the my other car he will use the force i was checking the XXXX and i get other vin check and no mach wath they give me i endent paying about XXXX and i still dont know where to claim can i do something about?
03/22/2022	Yes	Payday loan, title loan, or personal loan Title loan	Vehicle was damaged or destroyed the vehicle	TX 77042	Web
I was involved in a car accident XX/XX/XXXX and have been unable to make the payments on my car for the last two months, due to not having a means of transportation. I was released from my XXXX XXXX last Tuesday and was involved in another car accident Thursday XX/XX/XXXX, to no fault of my own again. The other parties insurance company has already claimed liability for the vehicle, yet representatives in your XXXX XXXX offices are threatening my credit score of another negative hit of XXXXpoints if I don't make a payment on the car note. XXXX XXXX XXXX my car was repoed and my credit was impacted XXXXpoints. I had previously agreed with representatives that I would receive my direct deposit after the holidays and my car was still taken. I paid enormous fees, my vehicle was also damaged by your Repo company and they assumed zero liability for the damages, and I paid two months of past due notes. I was informed today that when my car is paid off that my credit score will not increase, but if I can't make a payment it will decrease substantially. There's absolutely no way your company helps EVERYONE 'S credit. $ XXXX in total to lose over 125pts total in credit score. Deplorable
12/17/2021	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	IL 61832	Web
This incident occurred in XX/XX/2018 where the company Quality Acceptance repeatedly called my place of employment. They asked to speak to me but not before disclosing my past due payments with my employer. They were told to not call the office, once by my direct manager and once by myself. However they continued to call twice more disregarding our request. I understand it is consumer protection law that states they are not call a place of employment especially when told not to do so! The atmosphere at work had recently become stressful due to poor business at the time. Their refusal to leave my place of employment out of the process added to the hostile work environment. To explain briefly this attributed to my employer treating me with an added disrespect. Along with my mother being diagnosed with XXXX at the time I had fell behind on my financial obligations. I would just like to emphasize the fact that my employer had cast judgment towards me due to the collection agent badgering me at work which just made matters worse. Eventually leading me to take a independent contractor position elsewhere with less pay.
05/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85326	Web	Servicemember
I co signed for my wife 's vehicle that we purchased in XX/XX/XXXX. It was a a XXXX XXXX XXXX. We purchased it for a total cost of XXXX and we put XXXX down. Our payments were still 300+ a month which was out of our budget. We tried returning the vechile the following week we purchased and were denied. The dealership stated that the finance company ( quality acceptance ) would not let us out of our loan agreement. We struggled for 3 months to make the payment before they repossessed the vehicle in XX/XX/XXXX. They then notified that we were still expected to make the monthly payment even after they notified us that the car was sold at auction for XXXX XXXX Which is more than the original purchase price. As of today we owe approximately 14,000 and they are still reporting that were missing monthly payments even though the account had been charged off. We notified them by certified letter asking they stop with no response, disputed the account with all 3 credit burrows to no avail. Ease any help would be gr ees early appreciated. The fiancee company is quality acceptance based out of XXXX XXXX California
01/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91768	Web
According to the Fair Credit Reporting Act, I have a right to dispute inaccurate report. I am contacting you to dispute the reporting of Quality Acceptance LLC. The account reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement '. I have the right to an accurate credit file and discrepancies like this are unacceptable. The account reporting is identified as a repossession, yet they continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. A monthly payment should not exist after a repossession has occurred. I have sent three Debt Validation Letters, two of which were a USPS certified Debt Validation Letters, to the company with no response back from Quality Acceptance LLC. Please investigate this matter and have them delete the disputed item ( s ) IMMEDIATELY.
04/15/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	WA 98204	Web
When I got into this loan within the first month the engine died I talked to the car dealer to fix it with the due five years ago then since they did not help me my brother referred me to a car company in XXXX XXXX named XXXX XXXX XXXX they convinced me into getting a car from them so after that their car engine died on me too after 2 months so I told them if they can fix it they asked me for XXXX dollars to fix it I paid them and I told them about my suburban so he referred me to his mechanic to get the engine fixed on the suburban so I called the tow truck driver to drive it to the mechanic I notified his mechanic he told me he had no room to store the truck he told me to let XXXX XXXX XXXX to hold it so I did then after the first month of bamboozling me this company placed a lean on my truck and did not even consult my co-signer my mom XXXX XXXX about the crooked deal this company did to me I tried to consult the original car company about the problem and they sold the business I notified the creditor and no help whatsoever
05/25/2018	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90301	Web	Older American
XX/XX/XXXX I check my credit report and found out they Quality Acceptance the agency in which I purchase a car loan had not posted all of my payments on the car. The car was stolen the last part of XX/XX/XXXX and was put in an impound by the XXXX XXXX Police Department because the people that stole it we're gaming members and they had committed several robberies in my car so the police have kept it for evidence. When the impound called me to pick up the car on XX/XX/XXXX the car was gone Quality Acceptance had repossessing the car when I called they told me because they said I had outstanding payments missed on the car. But they never did call me or send me anything in the mail or even try to contact me on my email and I've always made my payments and so. I had made several complaints to your agency about this company in XX/XX/XXXX and you cleared them and I wanted to know what you can do about this complaint
05/29/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OR 970XX	Web
For a year we have been paying our car two months advanced. Due to the Covid-19 and Federal mandate I am currently temporarily out of work and I kept getting calls from Quality Acceptance for payments. I explained my situation that I am struggling right off the bat due to the work restrictions because of the Covid-19. I informed them that this is our first time being late with the payment and still kept demanding for payment. I told them that their is a moratorium in place until everything is lifted and we will be back on our feet and will make the payments. They still won't listen and I am told by XXXX that " because this is a high risk lender, we don't participate on Federal and State guidelines. I was so shocked! Please help me and I am pretty sure that I am speaking for everybody else that is going thru this. Quality Acceptance LLC are located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX XXXX
10/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77040	Web
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
01/11/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 92376	Web
On today, XX/XX/XXXX Quality Acceptance repossessed my XXXX XXXX pop from in front of my place of employee through a third party company after I did not pay the month of XXXX because I had submitted a XXXX ( XXXX ) XXXX ( XXXX ) and a XXXX ( XXXX ) for the vehicle to Quality Acceptance that was accepted by the IRS for payment in the amount of the vehicle. I also submitted a remedy letter, a conditional acceptance letter, letter to creditor, and it was notarized along with the coupon thats attached to the monthly bill. I certified mailed ( XXXX XXXX XXXX ) that packet to the CEO of the company and it was received and accepted by Quality Acceptance on XXXX. I did not receive a response, which stated in the letter that if not responded to within 7 days that they accepted and agree to my conditions. I tried to remedy everything and they responded by repossession.
01/17/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 92505	Web
Hello! I co signed my cousin for a car. He bought a car and was supposed to make the payments. I never got a copy from the dealership or anything. Last year I wanted to get a new car, and that 's when the dealership ran my credit and told me that I was a co signer and that my cousin failed to make the payments and that the car was reposed by Quality Acceptance LLC.I never got I phone call or a letter from this financial institution who had the loan. They never gave me the opportunity to negotiate with them the last thing I wanted was to ruin my credit. I do n't understand my rights as a co signer. Now I 'm stuck with a bad credit, I ca n't get a new car since my cousin owes {$2400.00} and he claimed bankruptcy, the company is Quality Acceptance LLC. Please help me, and guide me since I feel I was n't treated fairly by this company.
09/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78217	Web
I XXXX have spoke to someone at Quality acceptance which I have a car loan repossessed my vehicle on XX/XX/XXXX .I spoke a several different agents telling me I have 20 days to redeem my vehicle and it will not be a repossession on my credit. On XX/XX/XXXX they reported it repossessed and it showed up on XX/XX/XXXX. I called back and 2 other agents told me it will be changed and will just continue and repossessed will not be on my credit. Everything is not adding up I'm trying to purchase a home due to close which I told them next thing you know I see this info on my credit. How can they do this to my credit when I'm current and they told me I have 20 days and it won't be placed on my credit if I redeem in that time frame. Which it was. Please assist me with this situation. My family needs their home.
02/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89014	Web
In XX/XX/2017 my vehicle was reprocessed after only 30 days of delinquency. However my chief complaint is that I was never notified when the vehicle was auctioned or sold. According to the reprocession laws in the state of Nevada, as the consumer I was supposed to be notified of the date, location of the sale of the vehicle. Also I never received notice of how much the deficiency amount owed if any. This finance company is also reporting inaccuracies on all 3 of my credit reports. Quality Acceptance is reporting every month that I am delinquent which has added extra charges from original balance at the time of charge/off placed on my credit reports. None of the information is accurate that's being reported by Quality Acceptance to all 3 credit agencies. XXXX XXXX, XXXX and XXXX.
03/12/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NV 89104	Web
There is a letter enclosed explaining the issue. QUALITY ACCEPTANCE LLC, committed a series of FCRA regulations as well as never contacted us to let us know about the auction of car, nor ever given us a receipt for auctioned car, and not selling car for blue book value, as well as not honoring agreement to lower the 19.95 interest rate after a year, putting us in collections when QUALITY ACCEPTANCE failed to give us not only auction slip but to warn us of auction, so we could have possibly bought car, sending letters threatening to sue without intent. In one year and 3 months, we paid including auction car that was under sold by {$3000.00}, we paid {$14000.00}, plus {$2000.00} down payment, and have no car no nothing to show due to QUALITY ACCEPTANCE illegal dealings.
03/17/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	LA 70560	Web	Servicemember
I Purchased XXXX XXXX XXXX in XXXX. In XX/XX/XXXX car was repossessed with balance around {$11000.00}. XX/XX/XXXX, after viewing my credit report, I saw the balance at {$23.00}, XXXX. I called Quality Acceptance to see has the vehicle been sold. She said it was sold a month after repo ( XXXX ) for {$16000.00}. I then asked why wasnt I sent sale and/or deficiency notification as required by law and why was the balance {$23.00}, XXXX with {$250.00} in interest per month. We stated she could make payment arrangements with me for balance.Once I asked for proof that the legal process was followed and notices were sent ( sales information, fees, deficiency notices ) the call was dropped. I tried faxing and emailing and both were blocked.
12/11/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NV 89104	Web
I sent a letter to QUALITY ACCEPTANCE LLC, the letter is enclosed, I gave them a year, it was signed by no one. They broke more federal trade commission laws and more FCRA regulations than any other company I have ever seen. And they unlawfully harassed for money when they violated and broke the contract we had with them, and they also refuse to send any proof I Asked for a year. There window is closing soon, I want {$7500.00}, if they do not pay up I feel sorry for them, cause I am here telling the world, I am coming for them, by media, by law, my court and I want whoever is responsible to go to jail as well. How can you send a response of this serious nature with no signature. IS that who stole my money?
12/17/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	CA XXXXX	Web
I bought a XXXX XXXX and the car salesman lied to me and said it was a good economical car and it was completely the opposite. I notified the financial institute ( Quality Acceptance - XXXX XXXX, XXXX and XXXX of this occurrence. It cost me nearly a 1000.00 a month insurance, car payment and gas. The finance company made the dealer take buy back the loan and I gave the car back. I have gone to a million dealers that say they use them because I was going to get the same loan and now I have a million inquiries, low credit score, the financial institute does not respond to my emails, they do not respond to the car dealers and I'm without a car for over a month. Please help. This is an injustice
03/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX XXXXX	Web
XX/XX/XXXX I sent a letter to Quality Acceptance LLC disputing the account they are reporting on me as charged off on ALL 3 credit reporting companies - I demanded that they provide validation to me - they ignored my request XX/XX/XXXX I sent a follow up letter to Quality Acceptance LLC again demanding that they provide validation - again they ignored my request XX/XX/XXXX I sent a letter to ALL 3 credit reporting companies demanding that they provide validation - ALL 3 credit reporting companies ignored my request XX/XX/XXXX I sent a follow up letter to ALL 3 credit reporting companies demanding again that they provide validation - again ALL 3 credit reporting companies ignored my request
08/14/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 92376	Web
THE COMPANY IS REPORTING A COLLECTION ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME I HAVE SENT A NUMBER OF DISPUTE ASKING THE COMPANY FOR PROOF SENDING IT CERTIFIED AND THE MAIL HAS BEEN RETURNED TO ME AND THEY HAVE FAIL TO RESPOND PROVING ME ANY PROOF THAT THE COLLECTION BELONG TO ME THIS COMPANY IS REPORTING A NEGATIVE ACCOUNT ON MY CREDIT WHICH HAS HURT MY ABILITY TO GET CREDIT FROM OTHER COMPANY ALSO PREVENTING ME TO OBTAIN A JOB KEEPING ME FROM PROVIDING FOR MYSELF PLEASE LOOK INTO THIS COMPANY THEY ARE REPORTING ACCOUNT AND THE CREDIT REPORTING AGENCY ARE ALLOWING THEM TO REPORT THE INFORMATION EVEN IF IT DOES NOT BELONG TO THE CONSUMER
08/08/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX 77006	Web
For love of XXXX Please help Quality acceptance LLC charged an charged illegal interest rate, refused to contact us when we turned car in a YEAR after we bought it cause they lied, they never let us know it went to auction, refused to send bill of sale of it going to auction, and illegally harassed us to pay the {$8000.00} left on the loan when we turned car in three years early on loan, please help us get {$8000.00} back and ruin this company, we will spend every day and hour, we have letters from over 5 regulators supporting this. Please please get this company to pay me and have them cut off for life for major illegal activity.
03/09/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 92376	Web
XXXX XXXX XXXX is disputing Quality Acceptance LLC claim that he owes them any debt because Quality Acceptance LLC has failed to produce a valid contract between XXXX XXXX XXXX and Quality Acceptance which obligates XXXX XXXX XXXX to pay them a debt. This is not an issue of identity theft but a fact that Quality Acceptance is not the holder in due course and is in violation of the Fair Debt Collections Practices Act and other Federal Laws. They must show a valid proof of claim of which they have failed to do and they have also deprived XXXX XXXX XXXX of property without due process and without a warrant to do so.
08/13/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 90301	Web
In XXXX XXXX, 2016 bought car and have it financed with Quality Acceptance in XXXX XXXX Californian. My payment began on XXXX XXXX, 2016. My payments were make on time but were not posted to my account. I make payment at XXXX stores ( Pay near me ). I have sent copys of payments but still show that I 'm a month behind.. Pay near me as also emailed company confirming these payments The company also increase my payment with out my knowingly. I have send them copy of my insurance. I never have receive a written contract about financed. Just an introduction letter.
04/17/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NV 89031	Web	Servicemember
On Friday XX/XX/2019 XXXX spoke to XXXX about doing a deferment on the XXXX XXXX XXXX financed with Quality Acceptance. He agreed to provide the deferment with XXXX on the phone. On Monday XX/XX/XXXX we still had not received the deferment by email so XXXX called XXXX. Tuesday at XXXXXXXX XXXX we finally got the deferment paperwork from Quality acceptance in emails between XXXX and I but at around 5-6 am on Wednesday, XX/XX/2019 they decided to repossess out vehicle anyway after agreeing to the deferment.
08/23/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	NV 89104	Web
QUALITY ACCEPTANCE LCC continues to illegally send harassing mail to another address over theses issues to me and XXXX XXXX. I do not want any mail from them period. They owe money for illegal crimes of fraud, nothing they send will change my mind except a check to XXXX XXXX. I was a co signer on the loan and I can say they gave an illegal interest rate and broke so many loan and other regulations and their customer service is among not only the worst, buy they are very evil. Consumers beware.
05/12/2022	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 782XX	Web
In accordance with the fair credit Reporting act Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights 15 USC1681 Section 602 i have the right to privacy. 15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count 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 a late for any purpose
08/18/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NV 89104	Web
I do not want to hear a word from this company but a check sent. QUALITY ACCEPTANCE, LLC, and all, I mean all of its workers are nothing but thieves and criminals. They lie, commit fraud and give illegal interest rates and make unlawful calls and threats. Over {$12000.00} sent to them and we had car for a year. WAIT TIL YOU HEAR THEIR RESPONSE, its filled with lies and games. They are disgusting and need be fired and tossed out of the loan game. DISGUSTING.
07/30/2018	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 92553	Web
I have a loan with QUALITY ACCEPTANCE LLC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and QUALITY ACCEPTANCE LLC with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
03/09/2021	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 90302	Web
I paid off my car back in XX/XX/2020 and was told i was going to receive my title two weeks after. I called several times including last week for the last time and they keep saying the lien hold was taken off but it wasn't. Ive gone to the dmv and XXXX a total of 8 times where i had to take off time of work many times. I have reached out through email, phone and the company always says the same thing. I dont know what to do i need my title
09/01/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	NV 89104	Web
The enclosed document explains all, I am going after QUALITY ACCEPTANCE for extreme illegal behavior, embezzlement, unfair credit reporting, harassment, making false legal threats to intimadate, reporting false amount on credit report,, unfair business practice and then some, this letter enclosed will go lawyers, media, ATTORNEY GENERAL, and I hope they investigate person at QUALITY been handling this, they might be the thieves.
08/23/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	NV 89104	Web
QUALITY ACCEPTANCE for over a year has not used proper blue book, sent proper paperwork to prove they did not do illegal interest rates, selling of car, fixing the car, credit reporting, mass harassing phone calls, threats, fraud and embezzlement. I have contacted FDIC, FTC, OCC, DEPARTMENT OF INDUSTRY AND BUSINESS and now heading to media and then some. This is not taken care of until a reimbursement that satisfies us is made.
12/15/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 90301	Web
I bought car financed by Quality acceptance have been making payments on car since XXXX 2016 received a call from XXXX from Quality telling me I was up 3 months behind in my payments and I needed to pay almost {$1000.00} to her immediately or they would be possessed the car. I have verification that I 've been paying the car note each month which I will send to your company and I 'd like for you to investigate my complaint
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 Their investigation did not fix an error on your report	CA 90003	Web
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. I'm not swayed that XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on QUALITY ACCEPTANCE LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
08/24/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	CA 92277	Web	Servicemember
My vehicle was repossessed by the current loan provider for less than two payments. Now it seems that I will not be able to make all the fees incurred. The company says they have tried to work with me but send a repo guy late at night in the cover of darkness. Also they sent me a letter today saying that they are going to sell my truck by the XX/XX/2021. This was XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA.
05/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75248	Web
I have disputed this account over 5 times with each of the credit bureaus with no response. I have requested in writing that I am provided with a signed agreement and that the current balance be updated to the correct charged off amount. I have not received a response nor documentation to provide accurate proof that this amount is owed. Quality XXXX has yet to respond to my requests.
05/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75248	Web
I have disputed this account over 5 times with each of the credit bureaus with no response. I have requested in writing that I am provided with a signed agreement and that the current balance be updated to the correct charged off amount. I have not received a response nor documentation to provide accurate proof that this amount is owed. XXXX XXXX has yet to respond to my requests.
07/23/2023	Yes	Vehicle loan or lease Lease	Incorrect information on your report Account status incorrect	LA XXXXX	Web
The vehicle was charged off due to Hurricane Harvey in XXXX. Per my credit report it still shows a balance. A charge off is canceled debt and considered income. Ive never received a 1099-C. This is illegal and my rights were violated 15USC 1681 s-2 & 15USC 1681 ( 1 ) ( 4 ). I would like this removed from my report immediately as this is illegal per IRS publication.
11/05/2021	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	NV 89110	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company, QUALITY XXXX, is currently showing XXXX days late for the month of XX/XX/2019. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and remove the current status to reflect accurately.
05/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43110	Web
I have contacted the credit bureaus in the creditors on numerous occasions, dates listed below : XX/XX/2021 XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX Quality XXXX XXXX XXXX XXXX This account is being reported wrong it is showing a XXXX balance The last reported dates don't match, Comments : XXXX reporting Closed ; XXXX- no status ; XXXX- closed or paid/XXXX balance
07/02/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	CA 93536	Web
I 'm attempting purchase a vehicle. I check the information the car dealer sees on my reports. I 've never heard the information before. He says I 've recently purchased a vehicle that was repossessed three weeks ago. Now I look for the first time in my life. I 've never lived at these addresses nor have I ever seen a credit report before. Please help!
07/20/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AZ 85027	Web
Illegal collection and repossession practices. Threatening to have me jailed, calling friends and family letting them know loan information, and defamation of character to my friends and family trying to get them to tell the lender where i am after i already told them to have the repo company call me for the location of thr vehicle
08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90016	Web
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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
11/06/2021	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	NV 89081	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
09/23/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 77084	Web
I totalled my car and Quality acceptance was paid and now they put my left over loan as a collection/ charg off after we talked about me trying to pay it off or get refinanced through someone else for a new vehicle. Covid-19 is going on we all our struggling this is ridiculous. I paid my car not on time.
07/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78223	Web
My Quality XXXX account was charged off as bad debt on XX/XX/2017, it was also suppose to be deleted for inaccuracies, its no where to be found in my collections, and every month since the charge off date the company has been increasing my balance, every time its a different amount
10/15/2016	Yes	Consumer Loan Title loan	Payment to acct not credited	CA 90301	Web	Older American
Pay my car Insurance in Quality Acceptance company wants me to pay over {$1500.00} because they said they found no record of me paying my insurance also have made payments that some payments were missing and the amount is not what they told me it was at first
11/04/2020	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	TX 78114	Web	Servicemember
This car loan company is reporting increases of my balance. I have never missed a payment. They have been reporting interest increases which has caused my credit score to plummet. In my XXXX years i have never ever seen any company report the interest.
01/28/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NV 89101	Web
I called requested validation of debt letter, providing car sale and transaction information. Company refused to provide information that's being asked. Reporting false information and failure to provide debt disclosed and reason for amount.
04/11/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	WA 985XX	Web
Auto loan was different from the price agreed upon. Lost track of many payments, reported to credit bureau of " late payments '' and involuntary repo although I surrendered my car to them and have n't missed a payment.
05/04/2023	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 Difficulty submitting a dispute or getting information about a dispute over the phone	CA 90016	Web
I recently check my credit report and noticed unauthorised accounts being listed. I've reached out to the credit bureau to solve these issues but have not received any information or any updates.
06/28/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NV 89121	Web
This vehicle was repossessed illegally, and I was never given a chance to recover the vehicle. Also never received notification of why there is any deficiency balance on the account.
03/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92553	Web
account says 50 charge offs i only see 49 account says i was 60 days late only one month ( 30 days XXXX after on time payments i want this account removed
10/23/2022	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	CA 90723	Web
Late payments are not correct and needs to be removed. Collection account is not correct and needs to be removed.
06/30/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 75062	Web
I have previously reached out to this company to obtain a debt validation letter and never received one.
01/11/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	CA 92405	Web

01/01/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 78130	Web

12/17/2023	No	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 78217	Web

09/16/2023	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	CA 92395	Web

08/07/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 90715	Phone

07/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89108	Web

07/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89121	Web

07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	TX 78220	Web

06/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89121	Web

06/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NV 89121	Web

04/25/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 76155	Web

04/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90250	Web

03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77051	Web

03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92345	Web

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	TX 78596	Web

03/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92345	Web

02/08/2023	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 Investigation took more than 30 days	NV 89139	Web

02/08/2023	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 Investigation took more than 30 days	NV 89104	Web

06/09/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NV 89119	Web

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	CA 92324	Web

05/24/2022	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	CA 92324	Web

05/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92324	Web

04/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89108	Web

12/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92407	Web

12/09/2021	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75052	Web

11/02/2021	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	NV 89081	Web

11/01/2021	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	AL 35020	Web

08/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93550	Web

01/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90007	Web

08/05/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 93596	Web

07/17/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold		Phone

04/17/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 91764	Postal mail

03/14/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	CA 92507	Web

08/26/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NV 89135	Web

02/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89120	Web	Servicemember

06/03/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NV 89139	Web

05/03/2017	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 90806	Web

05/03/2017	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	CA 90221	Postal mail

04/18/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	NV 89107	Web

03/18/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CA 92377	Web

02/22/2017	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CA 92377	Web

02/07/2017	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 90301	Web

12/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90806	Web

12/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90806	Web

08/17/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NV 89104	Phone

08/09/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	NV 89104	Web

02/11/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	CA 90723	Web

10/19/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	CA 90806	Web

09/01/2015	No	Consumer Loan Vehicle loan	Managing the loan or lease	CA 92881	Referral

11/24/2014	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	CA 91710	Web