| 03/29/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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You are hereby in receipt of notice under the authority of the Fair Debt Collections Practices Act [ 15 U. S. Code 1692g ] regarding your above referenced file number that part, or all, of the alleged debt is DISPUTED and hereby demand validation and verification, in writing, as follows : Pursuant to [ 15 U. S. Code 44 ] PROVIDE DOCUMENTARY EVIDENCE.
1 ) An authentic signed contract between you and XXXX XXXX showing proof that you and that person and you are now or were at one time in business together and other supporting documentation that gave rise to the alleged obligation RELIANT FINC is claiming owed. In pursuant to [ 16 CFR 433.1f ] 2 ) An authentic invoice for goods and/or services you provided. [ GAAP ] AUDIT 3 ) Statement, under penalty of perjury that : a. You are the bonafide party in interest of the contract and will produce said authentic signed contract ( # 1 above ) for my own and a judges inspection should there be a trial to contest these matters.
b. The name and address of all persons, corporations, associations, legal firms or any other parties and entities having an interest in the collection or legal proceedings regarding the alleged debt.
c. As a debt collector you have not purchased evidence of debt and are proceeding with this collection activity solely in the name of the original contracting party.
d. You know and understand that certain clauses in a contract of adhesion are unenforceable unless the party to whom the contract is extended could have selectively rejected the clause.
e. You will provide written verification from the stated creditor that you are authorized to act on their behalf in this debt collection action.
f. You have taken reasonable and prudent diligence to verify that the amount claimed owed is in fact a legitimate debt prior to instigating this action and making said claims, and that all relevant correspondence has been reviewed prior to initiating this claim.
g. You will prove that you are the original creditor, if in fact you claim to be, and that the United States , Federal Reserve nor any other entity besides your organization originated these funds.
3 ) Production of the account and general ledger statement showing the full accounting of the alleged obligation you are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and able to testify under oath to that effect.
4 ) Under the Truth in Lending Act pursuant to [ 15 USC 1601-1667j ] ( full disclosure ), I have a right to know who the true party of interest in this transaction is. As such, I am asking you to stipulate whether you are the holder in due course for my promissory note. If you are not the holder, then you admit to being the servicer of this obligation.
5 ) Please also stipulate for the record whether or not my loan has been securitized, and if so, the name of the XXXX my loan is bundled with.
6 ) If my loan has been securitized, then please provide me the pooling and servicing agreement that names my loan as well as any documentation that explicitly gives you the right to service my loan as well as enforce the promissory note in the event of a foreclosure. If you are hiding these facts from my despite my request, then you are hereby notified that you are committing fraud and shall be named in a wrongful foreclosure civil action.
7 ) Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course.
If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your claim under U.C.C. - ARTICLE 3 3-301. If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your claim under U.C.C. ARTICLE 3 3-301.
9 ) Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter.
10 ) I am giving you formal notice that failure to respond to this letter through a verified and validated proof of claim within 30 days as I have asked for, point for point will be taken as an administrative default.
Please be advised. A COPY of the said Note nor an Affidavit of Loss or any other forms will not be acceptable.
Please provide me the following : 1. A statement admitting whether you are the holder in due course or whether you are a servicer.
2. A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization.
3. The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the REMIC my loan was sold to.
4. The CUSIP number under which my loan was securitized to.
5. Make available for visual inspection my original wet ink promissory note ( not a photocopy ).
Please contact me in writing to arrange for an appropriate point of inspection.
This is my good faith attempt to resolve this matter before I am forced to litigate against your company. I am pleading with you to resolve this matter privately and civilly as to avoid burdening our courts with this matter. If I have to, I will see you in court.
Contacting me again after receipt of this notice without providing procedurally proper validation of the alleged debt constitutes a scheme of fraud by advancing a writing that you know or should know is false, with the intention that the courts and/or others rely on the written communication to impair or damage my credit rating, my reputation, my standing in the community as well as intentionally inflicting financial and emotional harm upon me. I take this notice, and my rights, very seriously and expect RELIANT FINC to do the same.
In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. You may want to obtain a legal opinion on this, but I believe that would constitute a scheme of fraud if this debt were to be resold ; assuming that RELIANT FINC has in fact purchased evidence of debt in this matter.
I also will not respond to any future correspondence that is not signed or does not indicate who at your firm has sent the demand for payment.
I expect timely responses to the above confirmations and that they be made in writing and sent via certified mail to the address listed below. Alternately, a letter from your firm that the matter has been satisfied and a copy of the letter you sent to all 3 credit reporting agencies asking them that any adverse credit reporting relating to this transaction to be expunged by these three major credit reporting agencies immediately.
Failure to provide these items shall mean your admission that you have no claim, your agreement not to report negatively to the credit bureaus, and your agreement never to contact me or the person named in your correspondence again. Included please find a Notice and Demand for Payment in case you are not able to validate the debt your assets will be given a Notice of Lien in the amount and at the interest rate of your invalidated alleged and now illegally collected debt.
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| 05/29/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a letter from the Offices of XXXX XXXX XXXX, XXXX.
They stated that they had been hired to collect on a {$7800.00} loan having to do with a XXXX XXXX XXXX XXXX with XXXX originating from Gold Acceptance on behalf of XXXX XXXX. The letter from from the law firm stated that if they did n't hear from me with 30 days they would assume the debt was valid and take actions accordingly.
-- >This debt is not mine. I have NOT done business with Gold Acceptance or XXXX XXXX. I have NEVER owned a XXXX XXXX XXXX. Yes, they had my address but they were writing to someone else ( that did n't even have my identical name ) .< -- I promptly ( the next business day ) called the law firm ( at XXXX ) to tell them that they had the wrong person and XXXX please disassociate my address from their dealings with those companies and that car.
The first person ( only willing to identify himself as " XXXX '' ) attempting to summarily dismiss me asked if there was anything else he do. I did not hear him type one stroke onto a keyboard. He did not have enough identification from me ( although he attempted to take my social security number and said we has recording the phone number I was calling from ). Why would n't he just take the file number off the letter I was offering him? He kept asserting that I was the debtor, that he did n't have any proof I was n't the debtor ( even though we would n't take what I was offering him, and that the correct debtors call them all the time pretending to not be who they are. He refused to answer my questions or give me any degree of certainty that I would not be contacted again.
I have a perfect credit score and afraid that this firm is going to continue to harass me for a loan and nothing to do with.
XXXX XXXX, the next person I talked to refused to give me any verification that the calls I had placed ever existed. A ticket number. A receipt. A procedure. Something that would document that these calls had been placed. Giving him plausible deniability? He first said that he did n't have to because I was n't a law firm then denied that he said that then said that he was prohibited from communicating with me. ... yet his firm wrote me and he was TALKING to me as he said he was n't legally able to.
Obviously this firm is predatory, willing to get a buck from whomever they can with no regard for collecting from the proper individual. If that was my car how come my name had never been filed for the tabs or the license for that car? Do they have the right to shake down every tree that happens to be XXXX or XXXX XXXX until they get one that is clueless or helpless enough to be victimized?
I am not their mark. All they had to do was tell me they knew I was n't their guy and give me some kind of memento of the occasion ( for my use in future legal proceedings ). But they apparently were very eager to preserve their anonymity ( /lack of involvement ) and therefore reserve the right to keep communicating with me off the record?
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| 02/23/2017 |
No |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
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I took out a title loan on one of my vehicles. I was in an urgent situation and needed the money right away. I borrowed money on the title of my XXXX for around {$3600.00} in XX/XX/2015.
Due to a domestic dispute, the vehicle was sold to a 3rd party right out from under me. Because the vehicle had a tracking device on it, I was able to get the car back. I was charged almost {$780.00} in repossession fees to recover the vehicle, and was told by XXXX that they would not tell me where to recover the vehicle until I paid it. I paid it immediately and was told where to go to recover the vehicle. I was also required to pay an additional {$140.00} to an auto storage company before they physically release the vehicle back to me. After I recovered the vehicle, XXXX put a repossession on my credit report and when I asked them to remove it, they said they would but to date, the repo remains on my credit report.
I noticed that the balance on the loan was not going down so I requested a loan payment history. I noticed that there were additional fees added to my loan balance, including doubled repossession fees that were added to my bill. My wife went in to make a payment and inquire about the additional fees, noticing that the balance was going up and was the same after almost 15 months. My wife spoke to a man named XXXX, who assured her he would review the payment ledger and call her back the following week. That call never came. Altogether, I believe there are additional fees of approximately {$1100.00} that are being extorted from me. The interest rate was 96 % at the beginning of the loan and was reduced to 60 %. I have attached a copy of my latest monthly statement which does not reflect the interest rate on the statement. I am trying to pay the loan off by adding additional money to the regular payment, but I believe the balance of the account should be no more than {$2300.00}. I would like the CFPB to look in to these unlawful lending practices and help me get away from this dis-honest loan sharking company. I went into this loan with my eyes open and I take responsibility for that, but I draw the line at extortion. I do not owe these additional fees and if I am forced to pay them, I want it on the record. I have attached the loan payment history for your review and have marked with highlight the additional fees that I believe are illegal.
I would like this company to be advised that they are not allowed to extort unlawful fees and for them to be required to reduce the loan balance by the amount of the additional fees they padded on to my account. Here is a link to show how many unhappy customers they have and their unethical consumer practices.
XXXX
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| 09/14/2017 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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OnXX/XX/XXXX. I had my vehical voluntaried Repossed cause of an unpaid balance of {$4300.00}.
I lost my job so I could n't afford it anymore. On XX/XX/XXXXI requested a letter of Resale for XXXX XXXX XXXX. A.K.A Reliant Financial. I received it via email.
When I check the amount of how much they sold the car for, they sold the car for {$600.00} which to me I think it 's ridiculous that they sold it for that amount. ( that is another complaint that I will be reporting on this one )..
In the letter it says the new balance is {$3300.00} After the resale.
According to my XXXX and XXXX XXXX Credit Report. It claim my balance is {$5200.00}. To me it sounds like there falsifying fact on my Credit Report. On a closed account which is date on XX/XX/XXXX and it 's XXXX From what I been reading in the FBCPA laws ai n't that in violation of my right as a Consumer. How can they still be charging me when the account is closed. When it 's closed its closed..
My Second Complaint is for the amount they sold the Vehical for {$600.00}, To me that is not a very reasonable amount for which the car was sold being in the condition on which it was repo 'd. It seem like they just wanted to hurry up and get rid of it with no though in mind on how much to sale it for. I honestly think it in violation of my rights according to the FBCPA laws and F.T.C laws as well as Consumer Laws under the state of Nevada. This is paragraph is out of the F.T.C Laws of Vehical Repossession. " Any resale of a repossessed vehicle must be conducted in a commercially reasonable manner. Your creditor doesnt have to get the highest possible price for the vehicle or even a good price. But a resale price that is below fair market value may indicate that the sale was not commercially reasonable. Commercially reasonable may depend on the standard sales practices in your area. A creditors failure to resell your car in a " Commercially Reasonable Manner ''. may give you a claim against that creditor for damages or a defense against a deficiency judgment. " ..I 'm sure there in violation of other things as far as false reports to the Credit Bureau as far as the account being closed but yet still charging me a fee. Also for reporting inaccurate Balances on my Credit Report. And charging me late fees on a closed account. Which to me it consider falsifying information. Which is in Violation of my Consumer right. I will consult with an attorney to see if I have any grounds to file a claim against them.
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| 07/10/2019 |
No |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have been dealing with XXXX XXXX XXXX. This company states on my credit report that they could not locate consumer and never sent over any verification of debt before we got contacted by XXXX with a company called XXXX XXXX. We started paying XXXX back in XX/XX/XXXX. We started paying this company after speaking to XXXX XXXX and them stating that he was the company that is collecting for them, this is after they stated that my account shouldn't be in collections. I called back to see if I could receive a verification of the debt from them as they never sent me XXXX and never got through to anyone. In XX/XX/XXXX I received a notice from XXXX, XXXX. stating that they would be proceeding with trying to collect funds on this account. At this point I assumed that my payments to XXXX with XXXX XXXX would stop as I received this notice. At the end of XXXX when my payment came due to XXXX he still tried collecting on the debt at which point prompted a call to XXXX to explain the situation. He stated that he has had issues with XXXX XXXX but had no documentation that he was no longer supposed to collect on my account. At this point I called XXXX XXXX to see what was going on. When I called they gave me a different company name that was collecting on my account, completely different from the XXXX companies already listed. I asked them about XXXX XXXX and they stated they had him listed as well. I asked them why I am now being pursued by another company if they still have XXXX XXXX on file at which point he provided me with a phone number to the new company ( again the name and number escape me and I can not find the paper I wrote it on ) and stated that he was going to speak to a XXXX and call me back. I at that point called XXXX, XXXX and never could get through to anyone, the company XXXX XXXX gave me over to and couldn ; t get through with out an access code and got a call back from XXXX XXXX to call back and when I did I never got back through to anyone. At this point I have continued to pay XXXX XXXX in good faith as I do not want to be pursued by any other company but at this point this debt is close to XXXX XXXX XXXX. I am not fully sure of the proper information on the debt as I never received a full verification of it and I don't have a clear understanding of who the heck should actively be working with me. XXXX, I keep getting notice on my credit of a missed payment to them when I have been paying monthly since XXXX.
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| 06/28/2018 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I had financed a used Vehicle for {$3300.00} from a local car lot that financed me through Reliant Financial. 4-5 months later I was injured at work and medically XXXX from my job for being permanently injured in XX/XX/XXXX.I called XXXX XXXX and explained I was permanently XXXX and dealing with my Health issues and wanted to try and work something out because I had no income coming in due to my health to pay the rest of the amount owed which was roughly {$2300.00}. I spoke with a gentlemen that handled my account and he explained to me that due to my hardship if I voluntarily turned my car in that it would not go on my credit and would not negatively affect me. I voluntarily took them the car at the agreed location and that was it. Years later I look at my XXXX XXXX Credit report and it states my car was reposed, the account was closed and charged off with the highest balance being {$3300.00} but owed like {$5000.00}. I disputed this account through XXXX XXXX I believe 5 times and every time my balance went up each time I disputed Reliant Financial which is now at {$6200.00}. I called XXXX XXXX about the balance kept going up on a closed/charged off account every time I disputed it. The guy I spoke with at XXXX XXXX was very rude and said I was wasting his time and that Reliant Financial or any creditor could put whatever amount they wanted and that I couldn't do anything about it but keep disputing it even though I explained to him to look back at this account and he could see all the inconsistencies but wouldn't. I called Reliant every time I disputed this account and they would just hang up on me or scream or use unnecessary language. I even asked them to take me to Court so they would have to provide all the documents as to how they just keep magically changing my balance on a closed account no response. I looked at my XXXX Credit Report which states I paid off 100 % of the original amount with a {$0.00} Highest balance but then the current Balance from XXXX XXXX from my last Dispute for {$6200.00}. So very unprofessional and ruining my credit being a Permanently XXXX individual because as the the XXXX XXXX Rep said " because they can ''.
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| 08/24/2016 |
No |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I purchased a car that had a bad engine in XXXX 2011 from union XXXX in XXXX XXXX CA. I took the car in multiple times to have it fixed but the car company refused to fix it and basically said I was stuck with a car with a bad engine and I still was required to make payments. I was unable to afford to fix the car so I called the company and had them come pick it up. Shortly after they started contacting me to pay the amount owed but without a job or income, I could n't pay. Recently I have tried getting information as to how much is owed on the car once they sold it to no avail. The company will not cooperate and when I look on my credit report they are reporting the delinquent account twice and with XXXX separate account numbers and identifying information which is dramatically affecting my credit score and my everyday life. I did not have XXXX accounts with them so they should not be reporting this way. I have contacted the credit bureau to have the information corrected and have been doing so for years to no avail. Every time the company updates the information they update the name of the company or something else but they will not remove the duplicate listing. I have attached a copy of my credit report as of today and a copy of one from 3 years ago showing the difference in information being reported. I feel that this is fraud and the company needs to be held responsible. I am trying to rebuild my life after being a victim of the economic downturn and I find it hard to do so due to the fact that this company is blatantly violating the law by reporting this information inaccurately and refusing to remove it. I think you should investigate them and ensure that this behavior does not continue because damaging someones credit like this is not only unscrupulous but illegal according to the FCRA.
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| 06/04/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
Older American, Servicemember |
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about XX/XX/XXXX we bought a car from XXXX 's XXXX in XXXX XXXX WA. The manager XXXX, The car was not properly safety checked and we spent {$2800.00} in repairs for suspension work. They told us the tires were bad and we found out there was serious safety issues with the suspension. We were also told that the lights on the speedometer were out and the bulbs needed to be changed. When we removed the speedometer and we found there was fire damage and the dealer told us to replace it and they would pay for it. We kept the bad speedometer in the back of the car for proof. the dealer said they would notify the warranty company of the change so the warranty we paid for would be kept in good standing. We found out later that the dealer did not do this. When submitted the {$2800.00} to the warranty company they denied the claim saying it was fraudulent due to the speedometer change. The transmission started to give us trouble and the dealer would not help with it. they were responsible for the warranty being cancelled and told us to take it up with the finance company. the finance company, ReliantXXXX XXXX companies denied to help us. we then told them to come and get the car as we were no longer going to pay for this lemon. they picked it up in XX/XX/XXXX as the dealer refused to accept the return. Were contacted by letter from XXXX XXXX that they had sold the car for {$6500.00} and we owed them {$1900.00}. We explained to them we had spent {$2800.00} on the car and we would call it a wash if they would accept it. The Lady we spoke with, XXXX, said that would be fine and she would send us a letter to that fact. We never received that letter. In XXXX XXXX XXXX reported on our credit report we owed them {$9500.00}.
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| 07/04/2020 |
No |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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XX/XX/2017 I made my vehicle payment and Gold acceptance/Reliant financial just came and took my vehicle. I was never over 30 days late on any payment to them. When I called them they told me I had to pay it in full before I could get the vehicle back. Then they sold vehicle and would never send me a copy of the sales receipt from the auction house. They had my account closed as a Profit and loss charge off..now it states in collections and I have been getting charged a lot for so called unpaid balance. The original balance was {$3000.00} now it's {$8900.00}. First and foremost they took a vehicle that was being paid for every month and now they are robbing people blind.
. -- This is paragraph is out of the F.T.C Laws of Vehical Repossession. " Any resale of a repossessed vehicle must be conducted in a commercially reasonable manner. Your creditor doesnt have to get the highest possible price for the vehicle or even a good price. But a resale price that is below fair market value may indicate that the sale was not commercially reasonable. Commercially reasonable may depend on the standard sales practices in your area. A creditors failure to resell your car in a " Commercially Reasonable Manner ''. may give you a claim against that creditor for damages or a defense against a deficiency judgment. " ..I 'm sure there in violation of other things as far as false reports to the Credit Bureau as far as the account being closed but yet still charging me a fee. Also for reporting inaccurate Balances on my Credit Report. And charging me late fees on a closed account. Which to me it consider falsifying information. Which is in Violation of my Consumer right.
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| 01/08/2020 |
No |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Almost every payment I made to this company was for more than the amount due. I thought that was a good way to pay it off sooner. I found that not only was it not being applied to the principal, it was miscalculating the interest as well. In addition, they frequently would charge me a fee for not having insurance. I have always had insurance. The insurance company would send them proof of insurance, as would I and they always said they didn't receive it until about the 5th time sending it. After that they would reverse the charge for the fee for not having insurance. Except once .... they charged me {$1200.00} for not having insurance, which I had, and didn't reverse it.
They then proceeded to sell my loan to another company for the wrong amount. Now I am down to 2 last payments. I have paid more than owed for 4 years. My payment amount is {$310.00}. The current loan company says I still owe {$1900.00} after my last 2 payments. How is this possible when I never missed a payment and I paid extra every time? I went through the statement and their calculations are an absolute mess. Now I have had an accident moving cross country and the car has been totaled. The insurance company has to pay off the loan before paying me and there is a {$1900.00} error and their accounting is so screwed up that i can not even calculate their figures except to see the that the extra I paid every month did NOTHING to help me at all. Statement attached.
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| 04/23/2020 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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Okay so the company by the name of the gold acceptance made me feel very uncomfortable because they have no respect my wishes or respect in my values or comply with a payment plan the rude and very disrespectful they and very disrespectful XXXX respectful that the company wants me to pay them pay them a balance that is way too high for my financial economical status and they dont want to take any more payments any time that I try to make a payment plan with them and they want to stress me out by yelling at me you make me feel very uncomfortable rude and on top of that they are cussing at me on the phone yelling at me make me feel like I am in nimwit. I spoke to this lady by the name XXXX on saturday at XXXX and she was very rude to me about everytyhing solution with all of this I would like them to give me a statement of plan with a credit balances I want also want them to give me the credit they owe me of XXXX they are charging me two sides of insurance while they say that i owe them XXXX XXXXof insurance they dont want me to have a balanced statement. Im not satisfied with the services the mount more money on my account while iam paying them as much as i could they stress me so much that they constantly want me to get overwhelmed that its causing me unbeneficial health problems. So my resolution would be that i want them to set up an adequate feasable & nbsp ; payment plan that i can afford.
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| 11/07/2016 |
No |
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- Charged fees or interest I didn't expect
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Web |
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Payments sent each month to vendor : XXXX XXXX to XXXX XXXX XXXX, XXXX, CA XXXX before date ( due XXXX of month, sent by XXXX of month ). In XXXX no billing, telephone call 1 week later of no payment ( said mail returned - I do not believe ) sent Post Office Money Order same day Priority 1 day mail with tracking. Call today money not received - late fee is now applicable ) Checked USPS tracking : Money Order delivered XXXX Post Office Friday XXXX XXXX, 2016 at XXXX. Telephoned back Worker argued not there therefore what do you want me to do? Asked me to call back in 3 days. Explained tracking has money order there and I am NOT responsible for when they pick up mail. Asked for Supervisor who took tracking number, money order serial number and amount and said she would reverse late charge. I am afraid they will continue to do this to accrue late charges and late fees for saying that they did not receive payments. I send money orders because they are a shady group and do not want to give access of checking account. No online access, and interest rate at 95 %. Trying to pay off asap. I believe they are cheating people giving late fees because they fail to pick up mail.
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| 02/15/2021 |
No |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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It originally took forever for them to come get their vehicle after they agreed to pick it up. Eventually they came. I believe XX/XX/2015. I could no longer pay for it as it was still hard to find work until it began to pick up in late 2015. After I was able to save enough to pay them a settled amount ( which was a ridiculous amount for a car they got back and I only drove for four months ) they agreed to accept it and remove me from collections and take it off my credit report if I paid that day. Thats what I did. The loan was about XXXX I paid them over XXXX in the settled amount for a car that was worth XXXX. I waited approximately two months for it to be removed and contacted them several times to ask why it was still there and they continued to tell me the credit reporting agencies has nothing to do with them. I finally filed a dispute with the credit reporting agency to find out that the creditor reported that its still supposed to be there. Lawfully yes but thats not what they promised and I didnt get it in writing first! Lesson learned!
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| 01/16/2021 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XXXX of XXXX I was in a auto accident. My finance company at the time was Gold Acceptance. Gold Acceptance never sent out a claims adjuster to look at the vehicle nor did they come to the residence and repo the car. The car was left at the repair shop never to be repaired or repossessed. Since then I have had nothing but trouble from this company in trying to resolve this matter. On my credit report this company is reporting an inaccurate account date and account balance as of XX/XX/XXXX, when this account was charged off in XXXX. Please remove this account off my credit report. I am unable to get a new line of credit, or purchase a new home. This has been hurting my credit score tremendously please help!!!!!
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| 02/19/2016 |
No |
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- Communication tactics
- Frequent or repeated calls
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Web |
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I have actually had this company call me repetitively and harass me the company 's name is XXXX they are A auto financing company which I unfortunately have to do business with this company is the worst company that I 've ever seen their reviews on XXXX and XXXX are horrible and I understand why I have been harassed and called countless times in a row by these people I 've also had XXXX of their supervisors call me from her actual cell phone not stating who she was They 've also send me mail stating that my account has added fees now because of not having insurance on my car which is false because my car has been insured since the beginning of the loan and full coverage like any financing company would ask for
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| 06/25/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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I made an arrangement with gold acceptance to pay them on XXXX XXXX. They claim I never made an attempt I 've been paying on this car for almost two years ( by the wayway ). My family was at the park and they repoed my car two days before I told them I would pay them. Now they keep throwing different numbers at me to pay them back. First they say XXXX then they say XXXX then they said XXXX they keep calling me as if they are trying to help. I tell them how do I know that they will give me the car back they say everything is recorded. Well if that 's the case why was n't my arrangement recorded. This company is a scam. Not only did they take my car unlawfully but they called the police as well.
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| 11/10/2019 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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I financed a vehical the Gold Acceptence Corporation in XXXX. For the amount of {$5000.00} for the terms of 27 months. i made 10 payments on the vehical the balance went down to around {$3000.00} dollars. I had to voluntary returned the car due to getting laid off work .The account has been closed sice XXXX, im being charged for late fees on a closed account.The car has been resold. for an un disclosed amount and never put towards my balance. And now the outstanding is balanced $ XXXX.thats over {$4.00} dollars in late fees.. is there anything u can do to help me. This is totally unlawful and unfair to me as the consumer.
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| 01/30/2018 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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the original loan amount for a voluntary reposed vehicle was {$6200.00} with my down payment of {$1000.00}. My last payment made was in XX/XX/XXXX, they reported is was XXXX XXXX they auctioned the vehicle in XX/XX/XXXX and didn't deduct the money from the loan amount or send me a copy of the sale of the vehicle. I have asked over the last 6 years for a copy of the date and price of the sold vehicle. They only state they have sent it to the address I have lived at for 8 years, except I have never received anything from them. They have sold the account to a collection agency in XX/XX/XXXXthat has never contacted me either.
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| 06/30/2019 |
No |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
Servicemember |
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Acct opened XX/XX/2016. Paid for one year no late payments, engine siezed and i was directed to have car towed to a shop of my choice and repairs were to be paid for by reliant financial in which case i would pay for at the end of my term. Mechanic was never paid or contacted by reliant and my car was towed and i never heard anything else about the verbal agreement i was offered. My loan was charged off yet my highest balance per XXXX states {$0.00} as my highest balance. Account is at {$6400.00} dollars allegedly. I lost my job due to this breach of contract by reliant financial
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| 07/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I have reached out to gold acceptance XXXX multiple times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX... They have not responded to my letters. They expressed to me that the company " gold acceptance XXXX '' no longer holding the contract but still reporting it on my consumers report with the wrong contact Information. They have sold the account to a collection agency sold the car at the auction. They did not disclose this Information to me. 15 U.S code 1681b They do not have my hand written signature giving permissible purpose.
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| 02/07/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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XXXX was repossessed on XX/XX/2017 after making a payment. I did not receive anything about the repossession or how to get my vehicle back. When I called they lied and told me the vehicle was sold for {$100.00} and I still owe {$3000.00}. There is no record of sale, no documentation, and I believe they took my vehicle and kept it. I continue to ask for paperwork and to have them remove the balance owed from my credit report because they took the vehicle and did not see it.
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| 02/29/2020 |
No |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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I have a auto account from gold acceptance/reliant financial services that is continuing to report the the credit bureau that I owe on this account and I sent them paperwork that shows that I paid the car in full and have a release of liability and they refuse to take it off my credit report and it is damaging my credit and they are trying to collect a amount that is false as well I have the paperwork to show all this if needed
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| 03/09/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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XXXX XXXX,2019 reliant financial has a tow truck man repossessed my car at my home address the loan should be closed on my credit report now since they have there vehicle back they are a shady company I was paying XXXX a month not the XXXX that the loan was for they raised that price 10 days after I got the vehicle anyways they had the car repossessed they have the car now I want it to say closed on my credit report thank you
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| 09/11/2019 |
No |
- 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
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Web |
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RELIANT FINANCIAL ACCT # XXXX OPENED XX/XX/2012 BALANCE REPORTED {$11000.00} AS AN UNPAID CHARGE OFF IS INCORRECT. THIS ACCOUNT WAS TRANSFERRED TO ANOTHER CREDITOR BY THEM AND PAID. I HAVE CONTACTED THEM SEVERAL TIMES AS WELL AS THE CREDIT BUREAUS EXPLAINING AND PROVING MY SITUATION AND THEIR HAVE BEEN NO CHANGES. IF IS AFFECTING MY QUALITY OF LIFE. MY CREDIT SCORE IS SUFFERING.
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| 11/15/2023 |
No |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I took out a car loan in XX/XX/2023. I couldn't afford car insurance because I got laid off. Since the vehicle was uninsured they increased my loan amount by more than XXXX XXXX. I currently have insurance on the vehicle and the loan company hasn't reduced the loan amount. Can they increase my loan like that. The company is gold acceptance. This has affected my credit score
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| 03/15/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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XX/XX/XXXX auto loan opened with Golden Acceptance/Relaint Financial for {$9000.00}. Auto was repossessed in XX/XX/XXXX. Lender says it sold the auto for {$150.00} and applied that to my balance. Fair markt value is {$3500.00}.
This debt shows on my credit report as a Charged Off as Bad Debt. They keep adding interest to the amount and now its up to {$13000.00}.
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| 08/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
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| 09/13/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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|
Web |
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Extremely high interest and extra balances being added on all the time, fees were out of control, car was later repossessed and I was fine with that. They continued past the time the car was taken to continuously call. I could not afford the car anymore at that time. Horrible finance company, didn't verify my husband and I income at the time.
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| 03/22/2020 |
No |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
|
I have tried for the past six months with the company RELIANT FINL XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX to fix this issue that I already paid this account off I have sent them paperwork multi times I want this fix plz
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| 10/23/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XXXX {$6900.00} XXXX {$6900.00} XXXX {$6900.00} I have explained to this company on numerous occasions that this is not my debt per divorce. They refuse to delete off my credit.
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| 01/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
|
Fraudulent account has been opened up. My identity has been stolen and used fraudulently.
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| 06/10/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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This collection is damaging my. Credit its making it hard to buy my house
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| 12/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
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|
| 10/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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|
| 10/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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|
| 09/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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|
| 02/24/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/31/2022 |
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
|
|
Web |
|
|
|
| 01/21/2022 |
No |
- 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
|
|
Web |
|
|
|
| 08/27/2021 |
No |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/09/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
|
| 11/09/2020 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 11/04/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Confusing or missing disclosures
|
|
Web |
Servicemember |
|
|
| 05/27/2020 |
No |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/13/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/26/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 12/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 04/18/2016 |
No |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/11/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 03/03/2016 |
No |
|
- Charged fees or interest I didn't expect
|
|
Phone |
|
|
|
| 02/22/2016 |
No |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Phone |
|
|
|
| 10/29/2015 |
No |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Phone |
Older American, Servicemember |
|
|
| 10/14/2015 |
No |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Referral |
|
|
|
| 11/03/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 10/20/2014 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|