Reliable Credit Association, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/28/2018	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	WA 98404	Web	Servicemember
Please mail all corresponding documents to this mailing address : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Contact Phone : XXXX Alternate Phone : Email : XXXX Age Range : XXXX Name of car dealership in question : Business Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Bus Phone : XXXX Email : Website : XXXX XXXX Names and addresses of other businesses involved in your complaint : Reliable Credit INCXXXX XXXX WA XXXX Transaction date : XX/XX/XXXX Amount in dispute : XXXX Explanation of complaint :XX/XX/XXXXme partner went to test drive a XXXX XXXX XXXX at XXXX XXXX XXXX The car was not available for us to test drive but the sales rep insisted on needing us to put the {$2000.00} dollars down on the car to secure the car for us. I was not wanting to put the {$2000.00} until we had the pleasure of driving the XXXX XXXX XXXX. The sale rep XXXX insisted that I give him my debit card to scan in order to hold the XXXX XXXX XXXX for us. Again I was not wanting to give XXXX my debit card out of the fear my card would be charged before we even got to test drive the XXXX XXXX commander. Paperwork was signed on XX/XX/XXXX for the purchase of the XXXX XXXX XXXX but we never got the pleasure to test drive it. 3 days later after having put {$2000.00} dollars down on a XXXX XXXX XXXX that was for sale at XXXX the XXXX XXXX check engine light came on and the car would not speed up past 50 on the freeway. My partner and myself took the car in an were told that their was XXXX dollars worth of repairs needed including a head gasket leak. On XX/XX/XXXX we took the car back and requested out money back. We were approached by sales rep named XXXX who told us that if we put XXXX more down they could fix the XXXX XXXX. I told her that we wanted a car that was already fixed. Then sales Rep XXXX asked us if we had another car in mind. We said yes the XXXX XXXX XX/XX/XXXX. We decided to take the car on a test drive and was even allowed to keep the car overnight but before we finalized our paperwork In XX/XX/XXXX XXXX dollars was extracted from my checking account for the XXXX XXXX that was for XXXX after we had already been denied for the XXXX XXXX XXXX. My partner was so happy with what the car looked like he wanted me to put {$2000.00} more down to secure the car for us as he needed a vehicle badly for work and his credit score was only XXXX which XXXX lied and stated it was XXXX. Within 3 days of us having the XXXX XXXX the check engine light comes on, the car begins smoking from the engine making loud noises as my partner would turn each corner and then locked up on the freeway not being able to speed up past 50 MPH. I am totally upset as I had put {$4000.00} down on a the XXXX and I demanded my partner take the car back. My partner insisted we get the car serviced to see if the issues are minor enough for us to fix. On XX/XX/XXXX within the 30 days of purchasing the vehicle we have the XXXX XXXX serviced and were told that the Valve for the head gasket has a leak, the oil pan gasket has a leak and needs to be replaced the spare tire is completely bald the struts are bad and the repairs would cost us a total of {$4700.00} to fix. Non of the vehicles we purchased showed us what was wrong with the cars nor were we offered any kind of Warranty for our vehicles purchased. In fact I was told my partner was denied a warranty due to his poor credit score.XXXX XXXX never had any of our vehicles service for smog inspections as I requested such documents I was told by XXXX XXXX that XXXX XXXX does not mechanically service their cars. How is it possible that dealerships are able to sell used cars without having a mechanic fix the issues wrong with the car before they resell them? Does ones credit really determines whether or not a car dealership offers one a Warranty. According to XXXX XXXX who I spoke with on XX/XX/XXXX he told me because my partners credit was poor he was not offered a warranty. How many other people have purchased cars from them and the check engine light came on 2 or 3 days later in which one finds out that there is a lot more wrong with the car then what they bargained for. I called to asked them if they could please service the car like they should have done before we financed it for {$16000.00} with putting {$4000.00} but come to find out the car was really financed for XXXX at XXXX percent interest on top of a XXXX down payment. XXXX XXXX laughed in my face and told me I am not the contract holder even though the money came out of my bank account and I should not be calling him 30 days later to address something like this when we should have came in when we first notice the signs. As I was working through XXXX for the XXXX XXXX that job ended XX/XX/XXXX and my last day of class was XX/XX/XXXX of XXXX my partner had work thus is why we were not able to have the XXXX checked out until XXXX. On top of putting down a high down payment for a car that was valued at XXXX my partner and myself were charged XXXX percent interest with a total of XXXX being paid to reliable credit within 42 month 's according to such contract signed. The only way the dealership is willing to fix the XXXX XXXX XXXX car they financed us is if I put another {$2000.00} down with a total of XXXX invested in this car in 45 days of the purchase. this makes no sense to me. The vehicle we purchased is in my partners name XXXX XXXX. This complaint has been filed with the XXXX auto department, XXXX Attorney General, DOL investigations and the federal trade commission yet I am being forced to have to file a small claims against this dealership and Reliable Credit INC because of their continuing probing of their documents and misrepresentation of selling cars that they know are defective. When I questioned reliable credit to see if my partner had qualified for the XXXX XXXX XXXX which we put XXXX down and it was priced for XXXX according to reliable loan approval process he was denied. Please help us. XXXX whole defense lies on me XXXX XXXX not being the contract signer when In fact I was not allowed to sign thus contract because I am a student and the money paid for with the car came from my student loans. But according to XXXX my student loans are not certifiable means of earned income
01/27/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	WA 98225	Web
Currently have a active complaint for debt collector known in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX complaince officer. Here is a copy and paste of attorney general 's " Update Existing Complaint Message : claim # XXXX Claim closed on on XX/XX/XXXX Please reopen closed complaint and asking to forward reopened claim # XXXX to the correct department " Consumer Protection division of the Washington State Attorney General 's '' Consumer, ( myself ) is asking for Reinvestigation into this subject matter. Need investigation further for possible violations of Fair Debt Collection Practice Act ( FDCPA or Statute ). I need help in enforcing Washington state Debt collection laws and FDCPA laws. Debt collector is prohibited from using harassment or abuse, false or misleading representations, or unfair practices for the purpose of collecting a debt. Prior explanation from XXXX as follows ; " As of the date of this letter, we have not yet received a response from XXXX XXXX XXXX. If XXXX XXXX XXXX sends us a response in the future, we will add that to your complaint as a public record and we will send you a copy for your information. '' Consumers allegations ; XXXX. XXXX XXXX XXXX hadn't responded YET cause the original debt buyer answered to the complaint. XXXX XXXX XXXX XXXX XXXX no longer licensed since XXXX XXXX. XXXX XXXX offered her assistance if it's needed any further! Writ of garnishment was properly filed in XXXX district court?? a. Are these companies properly licensed to do business in this state XXXX to bring an action that is enforcing security interest in real property which secured my obligation ( vehicle that was returned and given back in lieu of any alleged past defienceis? b. Alleged debt can you validate? c. Has all proper notices been issued? * If an attorney debt collector serves a consumer with a court document conveying information regarding the debt, that court document is a " communication '' for purposes of the FDCPA. If an attorney debt collector has had no prior communications with a consumer before serving them with a summons or other court document, that document would constitute the " initial communication. '' Consequently, the attorney would have to send a validation notice with the court document or within five days after the initial communication '' Attorney General 's is looking further into my complaints.
02/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98225	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX bought charged off account from Reliable credit Associates ( third party creditor ) who was assigned my contact from XXXX XXXX XXXX XXXX who sold a used car from their lot and vechile service contracts and GAP insurance to myself on XX/XX/XXXX. I gave a required down payment and a car for trade-in and was told that the insurance add one were required. Reliable credit Associates bought our contract knowing that we had a prior car repo and deficient balance still owed to them and did so to be predatory I'm their business practices. XX/XX/XXXX the high mileage truck broke down and husband 's job at a hospital in his new career was priority. Of course the fixes were not covered under contract add ons and reliable credit refused any viable solutions. So, we voluntarily gave back this broken down truck that did not run XX/XX/XXXX. 13 months into a 48 month installment contract agreement. XX/XX/XXXX Reliable credit associates bought the car back in the auction and then charged off debt XX/XX/XXXX. This collection agency was in court by XX/XX/XXXX and never validated this debt to this day XXXX. Proper validation notice was to be given before reporting anything on all three credit bureaus. XXXX not knowing who the judgement was from disputed this debt and it was deleted. This company had no right to sue in court and won by default. Using illegal and deceptive business practices. Then continues after winning by default come to find out had not right to sue and no right to report such alleged debt. The damages done to our family over these year 's are more then I can explain or bare. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who is a Debt collector has NOT followed the rules about how to contact ME, they can NOT report MY debt to a credit reporting company, IF RULES HAD BEEN FOLLOWED PROPERLY AND Followed ALL OTHER LAWS then they would of had the right to report this illegal judgement on my credit reports. Prove you own this debt, that I owe the debt and that you had the right to sue me?? Prove that reliable credit associates even owned this debt and what is owed before they sold it to you??
09/14/2021	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	WA 98661	Web
On a weekend not during business hours Reliable Credit made multiple attempts to contact me regarding collecting a debt. I informed them several times that I would be making a payment when the money was available. I am a fully permanently XXXX vulnerable elder adult. I receive very limited XXXX funds. I am already in direct contact with Social Security XXXX regarding a possible error on their interpretation of reported income in XXXX and XX/XX/2020 in the XXXX XXXX XXXX XXXX isolation after I was laid off from the U.S. Census Bureau 2020 contract and PT work. At this time there is a pending investigation and at the time of Reliable Credits repeated attempts to collect a debt more than twice on a day, Weekend. I texted them to CEASE AND DESIST AT LEAST twice when they were attempting to collect a debt. They ignored my requests and continued to repeatably attempt to collect the debt. And told me they could not stop contacting me via phone, when I submitted texted stating my situation multiple times. And that I was required to speak to them directly on the phone for further resolution. My phone service is limited. and as said before I was not only in financial hardship when Reliable credit attempted these harrassing calls. I have made a minimum payment at this time. And because of a refund I received from the U.S. Department of Education related to my filing permanent and full disability and forgiveness of my student loans I will be paying more than 90 percent of the total payoff of this loan. In the meantime, they continue to charge me late charges, and or unwarranted penalizing fees due to my inability to make the payment less than 3 days ago. They claim I am in default and are unwilling to discuss any further details on this matter. The payment I made should post to the account within 24 hours. And the 80 to 90 percent more of the total payoff of this loan will post by end of next week.
04/11/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	VA 238XX	Web	Servicemember
An account was opened with Reliable Credit inXX/XX/2016 The auto loan was for a XXXX XXXX XXXX, we put XXXX dollars down. We never went more than 30 days late, when we called to discuss the payments for some help due to financial hardships the company was not willing to work with either of us on the loan to set something up. I called and talked to the supervisor on different occasions and they refused to work something out.The only option was to pay over 2000 dollars instead of the monthly payment or have the car repossessed, clearly we were having financial hardships and this was unrealistic. We made the monthly payments from XX/XX/XXXX until XX/XX/XXXX, before we ran into financial hardships that made it difficult to make one payment. We could not afford the XXXX dollar payment they wanted us to pay instead of the past due 30 day late payment and the car was repossessed.The car was sold and we are told we still owe XXXX dollars on a car that only cost XXXX dollars. After the car was repossessed we called to try and work something out, instead the car was sold and the company still is trying to charge us for a higher amount the what the car was worth. Shortly after I was XXXX to XXXX and my family had to relocate to a different state. We have since contacted the company to still try and figure out a repayment plan and they told me there is nothing they can do for me not to call them call the debt collector.The negative remarks have been severely impacting our credit scores in a negative way.
04/24/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	WA 98225	Web
XXXX closed complaint that I submitted XX/XX/XXXX. Reliable credit Associates a indirect lender who buys retail installment contract agreement from dealerships in Washington state charged off account XXXX for {$3900.00}. issued a XXXX to myself XXXX to IRS for charged off debt. Then yes sold retail installment contract after charge off on XXXX to XXXX XXXX XXXX on XX/XX/XXXX. Collateral that secured the debt was returned by self help repoession and at the time of self help repoession account last payment was less then XXXX with last payment made. Car was sold back to Reliable credit Associates per adesa online inquiry. Yet a vin search of collateral shows odometer has been exempt since leaving Idaho to Washington with no lines filed. XX/XX/XXXX filed a case in court for goods and Services that their plantiff was duly licensed to render. But yet welcome letter states your not in interest in a dealership sold gap and warranty insurance policy. But gladly accepted payments from contracts. Again, prove me wrong by sending account print out and proof of XXXX. XXXX predatory lender who hides behind dealerships whom you buy contracts from which isn't a loan security interest that you guarantee a return on, hence why after a repoession in XXXX you jumped on waiving all credit requirements to secure that interest. Plus if I am wrong why didn't the real party in interest sue me for deficiency balance?? Cause there was none.
08/30/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MS 39465	Web	Servicemember
XXXX XXXX was included in Bankruptcy XXXX XXXX, filed XXXX XXXX, and was Discharged XXXX XXXX. I have disputed with the credit bureaus and the ruling of my dispute always comes back that the information was a Verified and found as accurate. This account needs to please be IMMEDIATELY removed from all three credit reporting agencies as this was clearly included in Bankruptcy XXXX XXXX in XXXX, Washington. This account has been for many months placed in and been allowed to continue to report to a COLLECTION as it is stated on the FQA on the CFPBs website. When asked can a debit collector place an account that has been placed under The Bankruptcy protection laws and was DISCHARGED IN BANKRUPTCY COURT, can a debit collector try to collect on a debt or place a debt into a collections status or can the debit collector continue to update or report in any fact of the law. The answer from the CFPB is as follows, ( and this is taken directly off of the CFPB WEBSITE as I stated a few moments ago, it reads, A creditor or a debt collector CAN NOT TRY TO COLLECT ON A DEBT THAT WAS DISCHARGED IN BANKRUPTCY COURT! I have submitted XXXX pages of documents from the Federal Court in XXXX, Wa. That clearly states that XXXX XXXX was FILED AGAINST ON XXXX XXXX and the Bankruptcy Court in XXXX, Wa. DISCHARGED ANY DEBTS KWING TO XXXX XXXX ON XXXX XXXX! I believe the fair solution to this is to IMMEDIATELY REMOVE FROM MY CREDIT REPORT!
12/31/2020	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	WA 99207	Web	Servicemember
XXXX of 2020, I was informed by a family member that a variety of individuals were calling a medical alert number, some starting at XXXX XXXX and leaving voice messages. Theses calls happened daily for the majority of XXXX of 2020. XX/XX/2020, my sister sent me an audio message with a woman threatening to take me to court and contacting my employer if I didn't contact the '' filing agency ''. If I didn't do so, she was going to take it as a direct refusal of giving my signature and court would go on without me with the filing agency. This woman identified her self as XXXX XXXX. I believe she is associated with " XXXX XXXX '' or Reliable Credit. The other name she left on a third party phone was my former wife 's mother. I attempted to fix this issue with the company 6 years ago. They were unwilling to work with me. I have heard nothing from them for over 6 years. XXXX of 2020, I received a notification from the Attorney General. It informed me of a multi state lawsuit against XXXX for predatory lending practices and my name was on the list for a loan by XXXX and to expect a settlement from the suit. This institution was used by the parties mentioned. I believe they are now attempting to " park ) their debt! My sister has called the number from which the calls were made. When the call was answered, the person on the other end would not say anything, and then hang up the phone.
02/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OR 97015	Web
After multiple disputes with all 3 of the CRA 'S, XXXX, XXXX & XXXX as well as the data furnisher/creditor Reliable Credit Association Inc. XXXX XXXX, WA ) all 4 of the companies has failed to provide documentation in regards to my request per FCRA 623 laws of how the alleged investigation were done. A manager from Reliable Credit sent me a letter stating that my dispute was " frivolous '' without providing any documents of how they validated their investigation. Nor was any paperwork with my signature shown to support and validate their claims that this is my account and that they are indeed reporting it accurately. My rights as a consumer allows me to request a written documentation along with evidence and proof of the investigation by Reliable Credit to support their claims that information is not being reported inaccurately. However no proof and/or evidence was made which allows me to believe that the data furnisher is indeed providing " frivolous '' and " irrelevant '' claims of validation in regards to multiple inaccuracies on all three of my credit reports they have being sharing illegally. This really is a huge concern for me and many other consumers that are being taken advantage of by predatory lending institutions as well as sub prime banks. An investigation in the practices and integrity of this specific financial institution ( RC XXXX ) is needed ASAP.
07/31/2020	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	WA 98022	Web
I called and negotiated over several months to pay the Balance in full. The original loan amount was with Reliable Credit Association in the amount of {$2000.00}. I was incarcerated and have been struggling the last couple of years and through Covid to get my finances in order. We mutually agreed on {$1800.00} as payment in full. I asked for confirmation of the agreement before I made the payment and they advised me that they did not have a way to send me a confirmation of the agreement but that I would recieve a reciept stating a XXXX bal due and that payment had been received for payment in full. I recieved a Receipt in the mail dated for XX/XX/2020 with a remaining balance of {$1300.00}. It did not have the amount of my payment listed. The letter said : For : Reliable Credit Association Bal XXXX Agency Accnt # : XXXX Creditor Accnt # XXXX Thank you for your payment. You will find your current balance above. This company said that if I made the payment of {$1800.00} I would be released from any further liability of the debt and that collection efforts would stop and my credit report would be updated accordingly to reflect the debt was settled for less than the amount owed. This company did not live up to their end of the bargain. They committed Fraud to entice me to make a large payment that took up all of my accumulated savings to settle this account.
12/17/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	WA 98023	Web
My bank account was compromised in XXXX and all my money was stolen. Because opted not to prosecute the bank did not give my money back, which caused all my bill to be late and a financial hardship. I have two accounts with Reliable Credit and I tried to combine them so I could make one payment instead of two. I was told by the XXXX XXXX office where I have one account I could, but the XXXX office where I have my second account said I could not. While I waited for a response my account when further past due. By XXXX I was told to pay the full balance or go into collection for loan number 1 at the XXXX XXXX branch. I said I did not have the over XXXX amount and she immediately wrote off my account in XXXX during a pandemic. I was told today by XXXX the Vice President of Reliable that they ask for the past due and not the full balance. I informed him that the manger at the XXXX XXXX store demanded the full balance or I would have tried to work something out. I tried to fix this back in XXXX, XXXX and now again in XXXX. I just want them to do the right thing. I have had a past loans with them and always paid on time. I also have an existing loan with them and pay it on time too. I feel I should not have had this done to me during a Pandemic.
10/14/2021	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	95825	Web	Older American
WE bought a XXXX XXXX XXXX from XXXX motors at XXXX XXXX XXXX XXXX on XX/XX/XXXX cost {$8600.00} and interest rate was 24.99 % .Me, my wife and talk to the reps of RELIABE CREDIT COMPANY and he said that we have to pay {$1700.00} as down payment and should pay monthly amount of {$280.00} for 36 months.We gave them {$1000.00} on the same day XXXX and gave them the remaining {$700.00} on XX/XX/XXXX XXXX.We started paying on XX/XX/XXXX XXXX.We paid through out and no late fees and they gave us a receipt after the first one year stating that the remaining balance was $ XXXX that, they did not send any thing till paid the remaining two years to complete the three years ( 36 months ) WITH NO LATE FEES.That is {$1700.00} plus $ XXXX for three years is $ XXXX.Even though that is still more than 25.99 %, they instead change the whole program to a period of 48 months with an addition of {$2600.00} to be paid monthly of {$250.00} per month.The reason because i was not paying more than the amount by month and was not earlier before the time.So the whole total is {$6000.00} interest we have to pay for rotten car which cost $ XXXX.THE CAR IS PARK WITH TRANSMITTION PROBLEMS NOW FOR OVER 8 MONTHS.
01/10/2024	Yes	Vehicle loan or lease Loan	Repossession Loan balance remaining after the vehicle is repossessed and sold	WA 98038	Web
" I purchased a vehicle from XXXX XXXX XXXX in XXXX, WA ( XXXX ), and financing was arranged through Reliable Credit. However, I later discovered that the vehicle had a salvage title, which was not disclosed to me during the sale. Despite my attempts to resolve the issue, Reliable Credit hung up on me, and the vehicle was eventually charged off according to a letter received by reliable credit I wasnt driving the truck at this time and I dropped the insurance. My vehicle was stolen the same week that I got the letter that they charged it off. The vehicle was a stolen recovery according to police reports about a month later in the same day Reliable Credit repossessed the vehicle and claimed that I still owed {$15000.00} on a XXXX XXXXXXXX XXXX with a salvage title. I believe this is illegal and that they should be out of business. I have attached a copy of the XXXX XXXX XXXX price, which was marked as a regular title, and the branded title disclosure that was marked " other '' with no mention of a salvage title. This is a clear case of taking advantage of a victim of identity theft and destroying my credit. I am seeking a full refund and compensation for any damages incurred. ''
07/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	WA 98516	Web	Older American
In XXXX, I purchased a vehicle and got a loan to pay for the car. Paiding on the vehicle for the last 5 years collectively. I then in XXXX requested a personal and the financial company approved it as a secure collateral loan against the vehicle. Whereas, I requested another personal loan with the same company, they approved again as a secure collateral loan combining all secure collateral loans together. To date the car needs repairs, but the cost is higher than the car 's value. I spoke with the financial company regarding this. Proposing to sell as a salvage, and then use money towards loan balance amount still owing. But the financial loan officer stated I will need to pay them a fee 1st in order for them to release the title to me moving forward. I'm attempting to find out whether the financial is in compliance of such actions. The " why are they able to charge me a fee and the car is of less value then the amount still owing on my outstanding loan amount? '' Please assist and direct me accordingly to WA State consumer law ( XXXX ) or directives on identifying if this financial company is correct in business consumer processes. Thank you
10/31/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	WA 98223	Web
For the last three months this year 2023. I have sent Notirize letter to this company asking to prove I Have an obligation to pay for a loan I never received from them. I SENT my last remedy to their office XX/XX/2023 only to be ignored and placed in the default position with them. They didn't not follow the law in reference to consumers rights by taking possession of the collateral with out any payment sent to me because of the contract they proved I have with them. XX/XX/2023 my vehicle was taken at the residence stated on file. Yet I received no write response back from my letter of rescind sent through certified mail postal office XX/XX/2023. I have forced Reliable Credit Association to prove the contract they brought from The Car dealership was fraudulent and I will not be force in to illegal contracts through deception practices. I didn't receive any credit nor financial benefits from either party 's involved in this forced contract with Reliable Credit Association. I have yet to receive transfer nor check issued to my persons for the amount determined by Reliable Credit Association.
06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98223	Web
It's on this date XX/XX/2023 that I XXXX XXXX who is a natural living being exercise my right to rescission. Upon reviewing my contact, obligations, and rights as a natural person operating in Commerce, I observed that there are multiple violation present which invalidates my Contract pursuant 12 CFR 1026.3 name Tuth in Lending. Per the congressional finding of Truth In Lending Act. The purpose of this subchapter to assure a meandul disclosure of credit terms available to him and avoid the uninformed use of credit. It is appropriate for me to assume that the salesman that assisted me with the purchase of my XXXX /XXXX ( XXXX ) at XXXX XXXX XXXX XXXX XXXX intentionally withheld pertinent information to complete the sale. Thus, being the case pursuant 12 CFR 1026.23 I have the right to rescind my obligations and renege my initial consent to pursue the previous terms. There are many fees within this finance charge that are in violation of 15 USC. 1605. It is clear you are not trustworthy and have predatorily conducted business in commerce.
09/01/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AZ 85203	Web	Servicemember
I've been working for the last few months to join the XXXX. my vehicle was repossessed on XX/XX/XXXX, I signed my active military orders on XX/XX/XXXX. The finance company is asking me to pay half of the balance XXXX out of XXXX to reinstate the vehicle and then they will set the account up on scra. According to everything I am reading on your website the account either qualifies for scra or it doesnt, the finance company admitted it does qualify for scra but they wont treat it as scra unless XXXX dollars is paid to them first. This is abusive and unfair practices on behalf of the lienholder. I have requested that they release the vehicle back to me and set it up on XXXX and I will bring the account current and continue to make my payments but they refuse and say I still have to pay the XXXX dollars before they will treat it as scra account. Also they are saying that the vehicle can or may have already been sold at the auction. They are refusing to place a hold on the sale pending the outcome of this complaint.
08/31/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	WA 98372	Web
After reviewing my XXXX credit report I noticed several Unauthorized inquiries from Reliable Credit on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. I have disputed these multiple times with the bureau as well as the creditor directly. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.
04/27/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WA 98271	Web
I made extra payments on my car loan to go towards principle. XX/XX/XXXX I made a principle only payment of XXXX, XXXX I made an additional principle payment of {$500.00}, XX/XX/XXXX I made an additional payment of {$500.00}. I called into reliable credit to ask that these payments be applied correctly and to not advance my payment date to which they told me I was making principle only payments. I explained that I did not want it to be advanced and that they were just paying future payments instead of principle only therfore causing me to pay the interest that I have not accused. I made a complaint with XXXX where their response states that they can apply payments however they see fit. This is deceptive and unfair. In their response they did say that I can bring in checks or money orders and those could be applied to future payments, which I will do going forward. However they have miss applied XXXX dollars and refuse to fix the issue.
09/25/2023	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	WA 98223	Web
I sent a post office letter to reliable credit association Asking to prove the debt they say I owe Them. Recently I have gotten nothing in the mail yet calls emails and text plus my car being subject to impound since the XX/XX/XXXX notice was sent. I wrote them back ... Quote Your are breaking the Law Sent you a certificated letter Validation proof Under the Law until the information I request is Sent by to me in Letter Form this is Concerned Harassment I have paid last month out of Honor. XX/XX/XXXX of this year 2023 I have not received nor gotten a response from you concerning the Validation process Obligating me to this financial agreement. of contract Again this letter .Today being sent asking for currency payments is not good business practice nor professional ..by Law 15 USC 1892g.n to me Has broken laws pertaining to this agreement. TODAY I sent this email to Them and made clear I would send you Proof
05/14/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	WA 98374	Web
I leased a car and obtained a loan through Reliable Credit. I believe the lease amount was {$6000.00}. My car was repossessed at my place of employment about 5 months after purchase. I missed a payment of {$290.00} and was unable to make payment arrangements with the company. The car was repossessed and sold but my balance left owing was {$4400.00}. They never informed me of the profit amount they made on the car and it looks like the car was sold completely under value leaving me with a balance. Ive tried to dispute this amount and Ive sent numerous letters requesting that they send me information on the loan and the sell and still have not received anything. Within the last year or two Ive contacted their company more than 5 times requesting information and all theyve done is report back to the credit bureaus that the information they have on file is accurate.
10/18/2015	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	WA 99205	Web
Approximately XX/XX/XXXX, I returned a vehicle to Reliable Credit due to the unsafe condition of the vehicle. The vehicle had a broken sway bar which prevents over response. or top heaviness when entering a curve while driving. Reliable Credit accepted the voluntary surrender of their vehicle and agreed stated they would contact me once the vehicle had been resold and payment arrangements between my self and Reliable Credit would be discussed. Approximately three months later, I called Reliable Credit to inquire of the status of the vehicle. It was then that I was informed they had sold the vehicle XXXX and the account had been sent out to collections to XXXX XXXX XXXX, ( in my opinion, an ambulance chaser attorney ). I received no calls as they had agreed, have no idea of what the lemon was sold for, and was told I owe in access of {$5000.00}
10/21/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	ID 83854	Web
I currently have an auto loan with Reliable Credit in XXXX, Washington that was opened on XXXX XXXX of 2014. I found Reliable Credit had communicated to the credit bureaus that the account is closed and was claimed under my Chapter XXXX bankruptcy of 2014. I called Reliable Credit, who stated they recently upgraded their software, which resulted in the incorrect information being reported to the credit bureaus. They stated I would need to file a dispute in order to correct the information. I filed a dispute with XXXX, which is now closed, once again, showing the same incorrect information. I am now facing hardship due to this matter. I have never been late during the entire existence of this loan, but now XXXX has lowered my credit XXXX points and XXXX and has subtracted XXXX points.
03/24/2017	Yes	Debt collection Auto	Communication tactics Threatened to take legal action	WA 98686	Web
The guy claimed to be from reliable or pursuing the debt from reliable, saying he was at one of my references addresses trying to deliver legal documents for a civil court matter regarding my debt. I told him, I spoke with someone about this matter already, I have had numerous threatening AND harassing phone calls to friends and family and my employers and this needed to stop. He said he had the right to pursue it and told me if I do n't pay this debt right away and acknowledge what I owe then he was going to wait for me at my job and hand deliver these documents and I would have no choice but to accept. I told him this is a debt NOT criminal and for him to be harassing me at my job is unacceptable. He said he would see me at my job and we hung up.
10/10/2023	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	OR 972XX	Web
I didnt authorize any or these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OR 97062	Web
my wife and i had a account with reliable credit and then filed bankruptcy. we did a reaffirmination aggreement with the court to keep the car but the judge i guess didnt sign off on it correctly. we kept the car and continued making payments of almost {$500.00} each month and were never late. the amount was proccessed by reliable yet was not getting reported to credit. i contacted them several times yet they refused to help. since then we traded that van in and reliable was sent a payoff for over XXXX dollars. they took payment and even sent us a refund check for {$9.00} for over payment. problem is it says on credit included in XXXX i just want this to reflect a payoff rather than a written off in XXXX on credit for the wife and i.
03/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98203	Web
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. XXXX XXXX, Inquired on XX/XX/2019. XXXX XXXX XXXX, Inquired on XX/XX/2019. RELIABLE CREDIT ASSC I, Inquired on XX/XX/2019.
07/29/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	WA 99203	Web
In 2017 I purchased a vehicle from a car dealer here in XXXX Washington, the vehicle I purchased was running great until XXXX weeks when the transmission went out doing XXXX on I XXXX. I called the dealership about it they told me that I bought the car as is nothing they can do I reported it to the finance company and they refused to take the car back and told me that I still owed them the money for the vehicle. I stopped paying them because I couldnt drive the vehicle so they sent my debt to a collection agency and I did get sued for the debt which caused me to file bankruptcXXXX XXXX XXXX. They are still reporting that I owe the debt on my credit report still today.
04/29/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OR 97013	Web
XX/XX/2015 I wanted to purchase a vehicle but unfortunately my credit was n't sufficient for a " regular loan '' which landed me with a high interest rate finance company ( Reliabe Credit Association ). From XX/XX/2015 until present date my experience has been pure angony. My account is current and never missed a payment. However, when I call regards to my account one manager in particular ( XXXX ) has a derogatory disposition and use abusive language. When I ask to speak with his supervisor he said " I 'm in charge ''! At this point I 'm considering returning the vehicle just to avoid future problems.
07/16/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	WA 98225	Web
Again, this is my XXXX attempt to figure out what is going on and how is such obvious misconduct by these individuals who work for this corporation are continued efforts to harras and illegally collect on a default Judgement. XX/XX/XXXX their license fees had been paid but I question that after Washington state new laws that went into affect XXXX of XXXX, where they properly licensed to collect debts in XXXX XXXX by XX/XX/XXXX, when they filed a civil action against myself? XX/XX/XXXX XXXX XXXX withdrew his foreign registration to do business in XXXX XXXX.
03/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84107	Web
Reliable Credit is reporting on my credit that I was late on XXXXXXXX XXXX XXXX. I ask they remove the late as I had no way of making payment. At this time, I was driving with my sister and she got into a really bad car accident and I was the passenger. I was severely injured and ended up in the hospital. Usually my husband takes care of finances if anything like this were to happen but he was in XXXX as was most of the family. As soon as I got home, I got current but during my time in the hospital and inability to move or do much I was unable to make payment.
02/29/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	OR 97045	Web
Company does not notify you that you need to change your password, instead locks your account when you attempt to log in and the " Forgot Password '' query does not work, no emails get sent to the email provided, you need to speak with a representative, they are providing fake options to consumers. If this happens after 5:00 pm or on the weekends there is literally no one available to help, meaning that the bill you tried to pay three days early suddenly becomes PAST DUE because this company does not allow you to get any customer support when you need it.
01/11/2022	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	WA XXXXX	Web
I paid off a car loan recently ( last month ). My credit score was XXXX. All of sudden, my credit score went down XXXX points ( please attached proof ) a few days ago from XXXX XXXX XXXX. I found it very unusual and unfair for my credit to be significantly impacted that way. I work hard to improve my credit. I just dont think it is correct for my credit to go down the way it did, especially when I have made payments to pay off a debit and to keep my account current. I want your help to correct the error in my credit score reporting.
09/05/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt was paid	WA 98056	Web
the year of XXXX? I was buying a car from XXXX XXXX XXXX. The cost was {$15.00}. The car was repro. Sold at auction for {$3000.00}. XXXX XXXX, XXXX and XXXX XXXX, is garnishing my paycheck. They have taken over {$20.00} from me. I am a father of XXXX children, this is a hardship on my family. If they have taken, over {$20.00}, they should give me a car worth the amount they taken from me. I do not have the car! They keep resubmitting the same paperwork threw the court, and they never show, how much they have taken from me.
11/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WA 989XX	Web
I responded to a summons requesting verification of the auto being disposed of in a " commercially reasonable manner '' of which will be attached, and the outcome was set for trial XX/XX/XXXX The petitioner of the case : XXXX XXXX XXXX, for Reliable credit filed a request striking the trial date XX/XX/XXXX. To date, XXXX parties in this action are reporting to credit bureaus that i owe XXXX parties and this has caused damage to my credit when i tried to purchase a mobile home XX/XX/XXXX.
07/22/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	WA 98225	Web
Reliable Credit Associates bought a contract from a dealership XXXX XXXX XXXXXXXX XXXX in XX/XX/2012. This dealership has committed title fraud and odometer reading is obviously signed off by the consumer finance company and the dealership in order to in sure a better payout when a default happens or end of the contract. This dealership sold XXXX product 's where used without my permission or knowledge. You will see the discrepancies in the DOL XXXX history report that I obtained.
01/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OR 97015	Web
Reliable Credit is reporting a charge off on all my credit reports after selling the account to XXXX XXXX agency. They are continuing to report inaccurate and false erroneous information to XXXX, XXXX XXXX XXXX. Balances that they reported are inaccurate after selling the debt, dates that supposed information they alleged are all different amongst all XXXX Credit bureaus. So much inaccurate reporting that is against the law and the guidelines with the FCRA.
04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 983XX	Web
I disputed the information via XXXX site 2-3 times. Says account is closed and no current payment being made. Account is very much open as I make payments every month. It was included in bankruptcy but not discharged! Kept in good standings. XXXX failed to verify any of it and says it's correct, when trying to upload proof to XXXX it will not work. Also contacted Reliable credit card asked for a payment history, nothing yet and it's been 2 weeks!
07/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 316XX	Web
I filed for bankruptcy and since it was discharged they have done a hard inquiry on my credit 2 times. XX/XX/XXXX and again on XX/XX/XXXX. They have not called or emailed me. Made no attempt to contact me that I am aware of other than accessing my credit report. This is not acceptable. I filed bankruptcy to try and repair it not to have them ruin it even further. This is causing issues with renting a home and lowering my credit score.
10/26/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	ID 83815	Web
I fell behind on an auto loan with Reliable Credit Association. The loan officer offered me a settlement that if I brought the vehicle back they would settle the account and not charge me the balance after auction sale. however, they report an unpaid balance of over XXXX on my credit report. this is contrary to our agreement, the account should reflect a zero balance.
04/17/2021	Yes	Vehicle loan or lease Lease	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	WA 98055	Web
I was making payments and the car got repossessed so i got it back by buying it back from the auction it was at and the car came back with so much damage and i called the tower and reliable credit asking for some compensation it was effecting the way it drove and it was not safe they never got back to me and told me there was nothing they could do about it.
04/27/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Problem with signing the paperwork	ID 83607	Web
My wife went to see a vehicle that she really wanted. I was at work and when I got home she told me she felt so pressured to sign papers even though it was not under her name. The guys at the dealer force her to get the car under my name without my authorization. I went to the dealer fought them about it and unfortunately could do anything about it.
12/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KS 672XX	Web	Servicemember
Reliable credit ( amount : XXXX original approx amount XXXX ) reported a loan as an auto loan when it is not. They are reporting a repossession when there is no vehicle bought with this loan. The loan was for tires purchase for a financed vehicle through them. That means they are reporting two repossessions for the same exact vehicle.
11/03/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	WA XXXXX	Web	Servicemember
Reliable Credit falsely submitted an application using my personal information without my permission on XX/XX/2016. I did not authorized anyone employed by their company to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
03/24/2022	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	OR XXXXX	Web
I have asked several times for this account to be taken off of my credit report per it is not my account. I have not gotten any documentation to prove this is my account or anything. I've been going through this now for about a year or so now.
06/19/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	WA 99224	Web
I received a notice from this company showing " Cancellation of Debt '' but it is still showing on my XXXX credit report. I am needing the account deleted from my Credit reports. See Attached documents
09/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OR 97838	Web
DISPUTE NUMBER XXXX IM DISPUTING AN INQUIERY, AND THERE HAS BEEN NO PROGRESS, YOUR RESPONSE IS THAT YOU WILL CHECK BACK WITH THEM AFTER 60 DAYS! I NEED MY CREDIT REPAIRED AND DISPUTES RESOLVED ASAP!
12/26/2023	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	OR 97603	Web
A year and a few months ago I lost XXXX all my credentials, Ive been working on getting them back. I recently viewed my credit and see unauthorized inquiries
07/09/2015	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	OR 97267	Web
XXXX called my Employer - and left a message on the Department Heads voice mail saying they are calling for me XXXX.
02/17/2017	Yes	Debt collection Auto	Communication tactics Frequent or repeated calls	FL 33328	Web
There are repeated calls daily. They are requesting my social security number and address.
09/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 95608	Web
The account should be at XXXX I paid the loan off and its still showing a balance.
12/21/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web
This company claims I owe them for a loan. I dont owe this company anything.
01/26/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	OR 972XX	Web
On XX/XX/2015 reliable credit associat Claimed that I owe them {$4600.00}
11/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85023	Web
I received emails about inquiries on my report
11/21/2023	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	WA 98052	Web

10/14/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Incorrect information on your report Account status incorrect	GA 31558	Web

10/12/2023	Yes	Vehicle loan or lease Lease	Getting a loan or lease Changes in terms mid-deal or after closing	OR 97229	Phone

10/09/2023	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 95691	Web

10/05/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	ID 83856	Web

09/28/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	ID 83330	Web

08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98223	Web

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 98007	Web

06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WA 99223	Web

04/11/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	AA 34058	Phone

01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	ID 83607	Web

12/28/2022	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	AZ 85016	Web

10/31/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	OR 97220	Web

04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TN 37211	Web

04/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TN 37211	Web

12/14/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	OR 97015	Web

05/03/2021	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	OR 97408	Web

01/30/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	AZ 85040	Web	Servicemember

05/27/2020	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	WA 99209	Web

02/05/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	WA 98375	Web

11/22/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	OR 97203	Web

04/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WA 98023	Web

10/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95608	Web

10/19/2018	Yes	Checking or savings account Other banking product or service	Problem with a lender or other company charging your account Transaction was not authorized	WA 98901	Referral

09/18/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	WA 98498	Referral

09/07/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	ID 83634	Web

07/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98148	Web

03/10/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	WA 98390	Web

01/30/2018	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	OR 97007	Web

01/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 46241	Web

11/10/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	OR 977XX	Web

08/31/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WA 98329	Web

07/05/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	WA 98011	Postal mail

06/27/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	WA 99011	Web	Servicemember

06/08/2017	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	WA 99224	Postal mail

03/01/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	ID 83651	Web

08/04/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	WA 98002	Postal mail

07/22/2015	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	OR 97305	Web

07/16/2015	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	WA 98002	Web

05/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WA 98270	Web

11/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WA 98223	Web

08/22/2014	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	WA 98036	Web

02/27/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	WA 98104	Web

02/27/2014	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	WA 98104	Phone