| 03/03/2023 |
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
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I got a loan from Republic finance in XXXX XXXX in the amount of {$3800.00} plus finance charges, I started making payments after that on the dates and amounts to follow : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XX/XX/XXXX, XXXX, XXXX XXXX XXXXXXXX, In between the late payments that started I called to explain my lateness and tried to make payments to catch up my late payments due to COVID, I was presented with a refinance of the loan, adding more money to my balance, but not receiving any of the refinanced loan money, it was simply going to be applied to my balance. I did not accept this offer, because I wasnt trying to add to a balance I was already struggling to pay, I was looking for some type of forbearance and relief from threats of collection and being sued. Well, on XX/XX/XXXX, I was served with a garnishment order, I do not even remember being served or notified of a court date for a garnishment hearing. An Attorney for Republic Finance then emailed the funeral home on XX/XX/XXXX, regarding this garnishment order that was served to me asking me to advise her of the dates and amount of any deductions that would be withheld and remitted to the courts. A response was given on XX/XX/XXXX with the following dates/amounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX totaling XXXX to be mailed on XX/XX/XXXX. Those funds were never deducted or remitted to the courts. On XX/XX/XXXX @ XXXX XXXX, the attorney for Republic sent another email regarding payment not received, and citing failure to comply to judgment. On XX/XX/XXXX @ XXXX payment was made in full for the total amount of the garnishment order of {$4600.00} + XXXX XXXX XXXX XXXX totaling {$4700.00}. At this point I think this over and done with and I am finally free of the stress and threats. Well in XX/XX/XXXX, I applied for credit to try and get funds to pay off other loans I needed to take care of and was denied due to the reporting status that I had a balance with Republic Finance of {$3800.00} reported In XX/XX/XXXX ; no other payment history or amounts, since XXXX of XXXX, showing {$200.00} payment, all other months since XXXX were either blank or showed NR ( not reported ). I then filed a disputed with XXXX on XX/XX/XXXX disputed the balance, status, and advising that this account was paid off in full. I tried to upload the payment receipt and the website would not let me upload the PDF that was well below the file size, it was a one page receipt ; so I submitted it without the receipt copy. On XX/XX/XXXX, the investigation was marked as complete, but no change to the credit report. I had missed the time-frame to review the investigation report by the time I checked it. So, on XX/XX/XXXX, I filed the dispute again for the same thing, stating that I did not have a balance with this Republic Finance, that I had paid {$4600.00} plus the service fee to the courts garnishment order and the site still would not let me upload the payment receipt. On XX/XX/XXXX I saw the notification that the investigation was complete, I opened in on XXXX dashboard and it came back that Republic Finance verified that the information was accurate and true, so it would remain on my credit report. I submitted the same dispute again on XX/XX/XXXX, this time it allowed me to attach the payment receipt and I disputed for the same reasons as before. While waiting for the investigation to be done and completed, I called Republic Finance collection number on XX/XX/XXXX and explained to the lady XXXX the situation, regarding the reporting to the credit bureaus, that I had disputed this twice and it keeps coming back that the company she works for is reporting the information as accurate and that I owe the {$3800.00}, despite the fact that it had been paid off on XX/XX/XXXX. She told me that I needed to call the local finance office with this issue. I advised her that I was given this number to call and that I had already talked to that office. She then told me that she would forward this information over to the litigation manager, XXXX XXXX and I should receive a call back in a few business days. She said that if I didnt receive a call back, to call her back at her extension which she provided for a follow up of my issue. I never received that call back. I called the number and extension XXXX gave me to check on the status of my issue and to let her know that I never received that call from the litigation manager and her phone line was not answered the three times I called, nor did she return my voicemails left. On XX/XX/XXXX, XXXX marked the dispute completed, I opened it and it was the same as the 2 previous disputes, Republic Finance responded as verified true and accurate despite the receipt proof, it remains on my credit report now with a new additional status of Charged Off. At this point I am livid, my vehicle note is falling behind, and I cant get approved for any loan help to pay anything. I then got on the phone and called the local office and went over this whole spill again about my issue with them. The guy that answered the phone then tells me to call that same place again, I told him no one was answering and he should be able to pull up my account. He did so and I answered all of his questions regarding the reported amount of {$3800.00}, charged off, and this isnt trued, it was paid in full to the courts in the amount of {$4600.00}, and still showing open. He pecks on his computer and tells me, no, I see that your balance is {$140.00} and will you paying that off today. I told him I would not, that I do not owe them anymore money, and I would be seeking legal counsel and disconnected the call. I then started compiling all of my information to prepare myself. XX/XX/XXXX, I pulled my credit report, to see the balance amount had been reported on by Republic Finance on XX/XX/XXXX as owing {$140.00} and charged off. I tried to file another dispute with XXXX and it would allow me to, stating I already I have an investigation going on and cant file while that is not complete. Mind you, I have filed a dispute since the one that was closed on XXXX XXXX XXXX Today XX/XX/XXXX, I am currently logged into my XXXX XXXX, and it still says I cant file a dispute due to an ongoing dispute in progress, even though the last one I filed was closed XX/XX/XXXX. Currently my credit report generated on XX/XX/XXXX, shows the Republic Finance account now closed, with a {$0.00} balance and status reported as PAID CHARGE OFF. This was reported by the Finance company on XX/XX/XXXX. I am ready to move forward and sue this Republic Finance and XXXX for the Fair Credit Reporting Act violations and unfair treatment inflicted upon me. The account was never charged off, it was never in Collection status, it took 2 years for them to change anything and when they did, they reported that I owed them {$140.00} and reported the account as charged off and currently shows as Paid Charge off. This needs to be corrected and removed to only show as PAID.
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| 03/01/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I am filing this complaint with some urgency as I found out last week that something I now know is referred to as a live check was mailed to me from a company I had never heard of at that time called XXXX XXXX.
I now feel like this kind of marketing and act should be illegal as I feel as if I was tricked with a kind of bait and switch technique and preyed upon.
I cashed this check on XX/XX/XXXX because of a special financial situation in which I was trying to help a family member on the east coast who was XXXX years old with some urgent financial needs that her retirement and social security could not address.
I had thought when I cashed it that the interest rate was a normal and low percentage, but they informed me last week when I called XXXX XXXX that the check has an interest rate of 48 % which I did not think was legal. When I cashed the check I thought the interest rate was much lower and the interest I would be paying would be no more then {$200.00} or {$300.00} on a loan of approximately {$2200.00} but to my shock they informed me that this is the interest rate. I have already paid this company {$4000.00}, but they are now threatening to sue me and asking me to sign a consent judgement and pay them another {$2000.00} and a little over {$100.00} in attorneys fees which I was in shock to hear and I personally feel is just ridiculous, insensitive and cruel and in my opinion predatory behavior by first sending me a unsolicited check with an interest rate that high if that is the correct interest rate and then having me pay over {$4000.00} already and still requesting over {$2000.00} more on a loan of just {$2.00}, XXXX. If pay over {$2000.00} more I would have paid over {$6000.00} which is just not morally and ethically right and feels like I have been extremely taken advantage of and honestly tricked and conned.
If this is not against the law I do not understand why it is not in order to do what is morally and ethically right and to protect the common consumer especially those who are in dire financially situations leaving them more vulnerable to companies like these. Especially the elderly and in my case when I was trying to help an elderly person with this loan.
I am also complaining because I had called XXXX XXXX in XXXX of XXXX to give them my new phone number and ask them if I could call back the next month to make a payment. I expressed to them how important it was that this account stayed in house because I was concerned about my credit score because I needed to buy a car in the future.
The person I spoke to assured me that would be fine and I can make the payment before the end of XXXX and he would put this in the system and notify the manager. When I called back this month ( XXXX ) to make a payment they informed me they did not have a record of this and that my account had been sent to a collection agency without notifying me by phone, or mail and giving me a chance to make a payment. When I called the collection agency they had already given it to an attorney as if they were trying to rush and sue me without giving me any opportunity at all to make a payment, or resolve this.
When I called the attorney they spoke about something called a consent judgement which I was not sure what it is, but I informed him that I did not agree with the amount I owed and needed to speak to someone at XXXX XXXX corporate offices, but no one called me back and I do not have any paper work or copy of the check I cashed showing the interest rate and terms, as well as detailed information about any other fees.
I told him that I had 30 days to send in writing to contest the amount, but he told me that will not stop them from suing me, I guess if I do not sign a consent judgement. It feels as if I am being rushed and being done extremely fast which I do not understand because Im not being given the time it seems to defend myself.
I also want to state that although I have paid over {$4000.00} on this loan as I stated one of their reps in particular from their branch location would try to pressure me to make electronic check payments before the funds were available which I would explain to her would not be available to a certain date and I was more comfortable with them processing it on that day when I knew they would be available, but she would insist on me allowing them to process a payment on the date she stated and would tell me not to worry because it took 2 or 3 days to process so by the time it processed the funds would be available. She informed me if I did not, that my account may go to a collection agent, so I did it trying to protect my credit, but each time she did this my payment was returned because it went through before she said it would and they charged me additional late fees and a return check fee. I explained this to the manager there and told him to please not have this particular woman ever call me again.
I also would like to note that I was visiting in the state of Alabama and doing some contract work there when I cashed this check, but I am from XXXX California which is very strict about products like this and I do not this kind of product is allowed there, because they know companies like this can take advantage of consumers. The writing was very small on this check and I thought the interest rate was low. I do not remember reading anything that showed the interest rate was this high and I would like to try to get a copy of the check. I had also always assumed an interest rate like this was not even possible, or allowed and actually against the law as I stated.
I am also concerned that the attorney, or XXXX XXXX will try to rush and sue me once they are aware of this complaint, but I know in my heart I have to do what is right for myself and other consumers who may come in contact with this company and try to resolve my own situation and be sure I and others are treated fairly because this is just not right. It just feels like I have been robbed and they are trying to hold me hostage and keep trying to rob me.
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| 07/28/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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To whom this may concern : XX/XX/XXXX I am requesting that XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KY XXXX, phone number ( XXXX ) XXXX be investigated in regards to them being out of compliance with Kentuckys Legislation pertaining to the legal rate of interest that they are charging their consumers. I believe they are in violation. I have also not been able to locate a license to operate this loan business.
I took out a loan with XXXX XXXX in XX/XX/XXXX for just over {$6000.00}, for a 24 month term, with 24.04 % interest. This loan supposedly had no prepayment penalty. The representative never disclosed to me that the Rule of 78 would apply if the loan was paid in full earlier than the term length. He also pushed unnecessary insurance coverage ( every single policy that they had available ) onto me, telling me that for my protection and the protection of my family it was a necessity. So this brings us to today.
My wife, XXXX XXXX, and I have been calling, as well as stopping in for the past 4 months, questioning why the balance has not been paid in full. When my wife, spoke to a gentleman yesterday, XX/XX/XXXX, about a ten day pay off, he mentioned that there is insurance with the loan. When she questioned this, he failed to mention ( again ) that the insurance is NOT mandatory. She was questioning the balance owed ( again ) and how much we have already paid into this loan. He said we have made a total of {$7500.00} in payments for this loan that we just got out in XX/XX/XXXX. He explained that they charge their interest rate up front on their loans. Their TILA is misleading and unfair. Nowhere does it say in this TILA that I would have to pay advanced interest if I paid it off earlier than the terms. As a matter of fact, he specifically stated there is no repayment penalty. We decided to go in on XX/XX/XXXX after work to ask additional questions. They are listed below as well as his responses to the questions.
1. I want a complete refund of the insurance premiums which were unnecessary and unwanted.
When XXXX asked for this, he basically said they would cut us a check for approximately {$700.00}, but that we would have to pay them back an additional {$700.00} ( Rule of 78 ) because they would be cutting us another check. When she asked him how this was legal since the {$700.00} refund was already included in the loan we are paying back, all he could say was because XXXX XXXX would be giving you additional money. She asked for further clarification and he could not provide this. She also informed him that we had a homeowners insurance policy that would cover the collateral if anything were to happen. He didnt seem to even bat an eye.
2. Are you aware that Kentucky Legislation regulates the maximum amount of interest rates and the amount of advanced interest rate that can be charged to a consumer?
He acknowledged that he was aware of the laws and said that he promises that he is in compliance with all of the applicable laws.
3. I want a complete breakdown of all of the payments that we have made and how it went towards the principle balance of the loan.
Still did not provide this to me even though I asked on several occasions. He kept giving me a sheet that had the Rule of 78 listed and the months that were paid and the refund that they would be willing to settle with listed on it. XXXX was confused as to why he kept saying that since we have made additional payments that we had to use the 16th month line for the refund amount, even though we are 10 months into the loan term.
4. I want all of the paperwork that was signed for this loan and the entire file for the loan.
He gave me my copy of my contract but wouldnt release the entire file I requested. He called his supervisor and asked what he was allowed to release to us. This shouldnt even be a question as the entire file IS our business.
5. What is the maximum maturity of the loan?
He couldnt answer this for us. He kept saying well, people can take out a longer term if they choose to, and etcetera.
6. Where does the calculation of the interest rate come from?
He stated that the computer calculates it. XXXX asked again, what it was based on, and he again informed us that the computer calculates this. He then kept going on about how we signed the contract and we could have took time to read it. I told him that it was nearly impossible to do because when XXXX was signing the paperwork, the guy was basically pushing it on him with a brief overview on each document he was signing. He also mentioned that according to the Rule of 78, with loans over {$3000.00}, they are authorized to use this computation. She asked what Kentucky Legislation this was based upon and he couldnt answer her. This is the second time they did this to me but the first time I was unaware until I got married and my wife looked into my debts. They already got so much money from me the first go round, then they let me take an additional amount out in XX/XX/XXXX when I was finally down to a low balance.
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| 09/23/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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Republic Finance ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) As I was checking my installment loan agreement ( XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) I noticed that when I applied for loan # XXXX ( dated XX/XX/XXXX ), to get extra money with my existing loan I was offered by the employee to pay off an existing loan with another company and to refinance the existing loan that I had with them. Not only did this put me in a bad position of falling behind on payments, it has put me in a position where I can not afford to continue paying the loan on time. I started having hardship in life in XXXX of XXXX, when my XXXX XXXX XXXX and I had to use my needed money for his funeral and travel to his funeral. I tried to keep making the on time payments along with the other financial obligations that I had during the time. As I was evaluating my situation, I started to feel like I was being overcharged a finance charge for the loans. Both loans were originated in dishonor by Republic Finance because this company knowingly committed the allegations and therefore willingly allowed me to apply for an installment loan ( s ) knowingly violating the law and charging me over the maximum yield percentage applicable by Mississippi Law. This company has caused me XXXX and I have had XXXX ( causing me to go to unneeded doctor visits ) so bad that I couldnt function at home and not getting accurate sleep, work ( calling me while I am in the classroom teaching my students at work ), or even socialize because of what this company has done to me has made my life unbearable and feel like XXXX.
I noticed the following violations with this company : 1. Opening a loan, deceiving me by the loan manager ( employed by Republic Finance ) offering me help, but actually paying off other loans and raising the borrowed amount for me to pay more interest ( This ignored and hindered my ability to repay the debt. I felt like this lending procedure took advantage of my lack of understanding about loans, terms, and finances of how they work, especially when I was not clearly and conspicuously told orally at the time that I was making ( signing ) the loan agreement. Nothing was explained to me.
2. I was charged high interest rates ( usurious rates ) for both loans with this company according to MS Code 75-17-1 ( 1-2 ) and MS Code 75-17-21 ( Loan # 1 violated MS Code Section 75-67-181 ( 1 ) ( c ) and Loan # 2 violated MS Code Section 75-67-181 ( 1 ) ( d ). See Letter Notice # 1 and Letter Notice # 2 ).
3. Using Risk-based Pricing - tying interest rates to credit history- Republic Finance abuses this practice by charging very high interest rates to high-risk borrowers like myself, for example, allowing an extension of credit added to an existing loan to refinance and paying off an existing loan from another company.
4. Failure to respond to Notice of High Interest Rate pursuant to 15 USC 1666a ( a ) and 15 USC 1666a ( b ) - I sent a certified mail/signed by Notary notice of Dispute to the CFO ( XXXX XXXX XXXX dated for XX/XX/XXXX informing him that his company is violating me under the MS Codes stated above for both loans. According to USPS ( United States Postal Service ), this notice was received by this company ( agent or principal ) on XX/XX/XXXX at XXXX XXXX in XXXX XXXX, XXXX XXXX. I did not receive a response at all from this company. At the beginning of XX/XX/XXXX, I received a billing letter dated XX/XX/XXXX stating that I am 60 days past due ( the past due letters appear to have a red bar letting me know that I am late or past due ). Now in the month of XX/XX/XXXX, I received a billing letter with no red bars or any statement saying that I am past due ; it just states that my current payment was {$240.00}. At this point, this company is showing me that I am not past due. In the month of XX/XX/XXXX, I received a billing letter stating that their office is in receipt of my payment of {$470.00}. At this point I am so confused because for one, they did not send me a response to my notice # 1 and I havent made a payment for that month. So, I was XXXX-founded. So, I dont know where that payment came from. In between, the time frame of XX/XX/XXXX of my first notice, I received a collection letter in my mailbox on XX/XX/XXXX from a lawyers office ( XXXX XXXX XXXX XXXX XXXX XXXX ) stating that they are collecting a debt for Republic Finance. On XX/XX/XXXX, I sent the 2nd Notice to XXXX XXXX XXXX informing this company of the high interest rates. This certified notice was received by their office on XX/XX/XXXX at XXXX XXXX in XXXX XXXX, XXXX XXXX. I have not received a response from this company.
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| 05/21/2021 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
Servicemember |
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I was served on XX/XX/XXXX with a Complaint regarding an amount owed of {$2100.00} from Republic Finance. I spoke over the phone with XXXX from Republic Finance, XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and we discussed the account. I told her my job with XXXX XXXX XXXX XXXX ended in XX/XX/XXXX and a payment was made to Rep Finance for {$150.00} in XX/XX/XXXX. I had begun working at XXXX, yet was placed on furlough due to Covid 19 and it took me 2-3 weeks to find a new job, yet I was just getting back to work at XXXX XXXX XXXX XXXX again so I could set up payments.
We agreed to {$60.00} biweekly to be auto drafted from my account to pay down the total balance of {$2100.00}, and I made an over the phone payment of {$80.00} during the phone call. She said she would mail me the draft form to authorize the bi-weekly payments. I then asked her, before you start drafting from my account will there be any additional fees or interest added to the amount, and she told me no fees or interest would be added and that I would just be paying down the balance of {$2100.00} until it is paid in full. Once I received the authorization form in the mail, I completed it on XX/XX/XXXX and mailed it back along with a money order for {$60.00} for the first payment ( money order # : XXXX from XXXX ).
The payments began drafting and all was well until I called on XX/XX/XXXX to get the balance on my account and ask for receipts. I was told to go online, and I could get the account balance and have receipts emailed. They gave me the balance of {$1900.00} and I asked why it was still so high and I explained the conversation with XXXX and I and the associate told me the location manager would call me back. I never received a call back.
I called again XX/XX/XXXX. I told them I could not access the account online and wanted to track my payments. The young lady said she added my information to the system and to wait 24 hours and I should be able to log in. I was unable to log in.
I called XX/XX/XXXX. I asked for help to log in to my account online to track my balance, and the associate told me my account was closed. Then she said she was wrong and that was the other account that I previously had with them. I asked for the manager. Was told he was at lunch and would call me back once he returned. I did not receive a call back.
I called on XX/XX/XXXX and the rep told me the amount due was XXXX. I asked why it was so high. She said it had interest. I told her that there was not supposed to be any interest on the account based on my discussions with XXXX. She said she would have the manager call me back. Manager XXXX called and I explained to him what was going on. He said he had to get with his district manager regarding the interest, because the system automatically adds interest to the accounts, and that he did not think it should still be accruing. He also said that he was going to see if there was a lump sum amount, I could pay to close out the account. I told him that it would depend on the amount. He told me to give him a few weeks because the district manager was out of town. I never heard back from XXXX.
I went to the office on XX/XX/XXXX to get my balance in which I was told it was XXXX and that there was still interest being accrued from associate XXXX. I told her that was not supposed to be happening. I then questioned the account because I pulled my credit report and the account shows as closed. XXXX said the account closed in XX/XX/XXXX because that was the original loan payoff time and that the account was in charge off status. So, I asked if it is in charge off status why would there still be interest accruing, she said the system adds the interest. She then used her cell phone to call XXXX who now works in the Virginia office, yet XXXX did not remember our agreement. She then got up and went to the back and called someone and came back and me the interest is right. I told her I was unhappy yet would investigate other means of dispute. I asked for the interest rate as well.
I called back in later that day to end auto drafts from my account with manager XXXX. I want to pay my debt, yet why would interest still accrue on a closed/charged off account that is not being reported to the credit agency. The account is still with the original creditor and not a collection agency. In addition, XXXX your representative stated no interest or fees would be added. To date, I have paid {$1200.00} of this debt which should leave {$960.00} to be paid. {$1600.00} is not the remaining amount owed
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| 02/11/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I took out two loans with XXXX XXXX. This company is in XXXX Louisiana. The first loan was XXXX. I believe and the second loan was for XXXX. it may have been somewhat more. At the time I was extremely close to paying the first loan off. That was why I went for an additional loan and I was also in a financial bind. Well I was still making several payments until I had a legal issue which kept me from making payments. The next thing I know these people are sending court documents to my door asking over the loan actual amount after making all those payments to them. The strange part about it was I am having child support being stolen from me. This is a very small town. Well upon trying to get some of that theft down with filing my taxes. I felt some semi relief although I didnt owe the money. Which I want to report that to. These people actually re stole money from me through their company right after my income tax was garnished for the child support. So basically after I felt like I had some control with my life they put the same pressure on me the other way. sad to say im an XXXX or was trying to be. And I feel as if the child support was used as a publicity stunt because I was writing music about an XXXX named XXXX XXXX. My material leaked and the daughters fathers brother was making beats for several XXXX. Such as XXXX XXXX. He made a beat for a song called XXXX XXXX on the XXXX CD. I had no clue. So the entire while everyone has been role playing on my life stealing money from me like im the XXXX XXXX. It has been happening to me for years. and I just want to have all on this on file in case something horrible happens to me. Or even happen to anyone else again in life. So I wouldnt have never thought that this loan company would stoop so low to actually steal money from me after I made so many payments to them. I was so timely with my payments before until I was making two and three payments to them at a time. its almost like they are stealing money from me thinking I have money or watching money before I have it. And I seriously dont. I had to flee the state from all the abuse and sad to say that it traveled its way where im at. And im just getting sick of it all. Throughout all this my son ended up getting shot and is now paralyzed. The stealing has not stopped. So I filed a complaint before about this company. yes they called and tried to tell me that they would let me pay over XXXX XXXX. well that was the amount that they called me to court for to begin with. I feel like the lady was trying to pull the wool over my shoulders and get me to agree to make the payments but that was the actual amount of the money they were asking for to begin with. After I had given them so much money. So basically They are stealing. then once I saw all the other like complaints about this company it just disgusted me. Then all the people that were working there before are not working there any more. So what really added insult to injury was the fact that I was teaching school in the morning and cleaning the school in the evening. These people were garnishing my entire check from child support being stolen right along with mailing me a letter garnishing my wages for this loan that was way more than the original loan itself. WALKING to get to this job. Walking from this job late at night. All of this I feel is a personal attack related to the industry. I already knew what the child support situation was about but I just never would have thought them people would play a role in using debt bondage to abuse me. It left me with extreme stress and it reflected me as being weak and unable to provide for my son and my daughter. I dont know what is wrong with these people or what they expect but I do not have any money for anyone to continue to keep stealing from me.
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| 06/12/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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Repeated Harassment I was given a loan through the mail with XXXX XXXX, with brief description of terms and conditions. Even during the time that I was making my payments as regularly scheduled I would continuously receive calls from their employees throughout the week before my payment was due, after it was due and I was just one day off from making my payment, even though I had 10 days to still make my payment before a late fee was even added, they would repeatedly call starting from sometimes XXXXXXXX XXXX XXXX XXXX until XXXX at XXXX, and even though I would make my payments they would make me wait at a local until they contacted whichever branch/office the loan was from until they would allow me to leave and give me a receipt regarding the payment I was making.
Things started to get even worse with this company when I lost my job and had to delay XX/XX/XXXX payments a little, and although I informed them of my situation and offered to do they would continue to harass me throughout the week, and on a daily basis they would call me every one to two hours with it being a different representative on the phone. When I tried to setup arrangements to at least make payments with the funds ( {$25.00} ) I had available, the guy name XXXX, also XXXX, or another CSR refused to accept what I was able to give and said that I had to come up with more money than that and that if I couldn't I need to hold the money until I was able to give the entire amount ( {$160.00} ), then the calls continued to escalate with the representatives and the XXXX contacting me several times, sending me letter even after I made a full payment to the point that the XXXX left threating voicemail on my phone repeatedly, I am degraded by their personnel with unprofessional remarks when I go in to make payments. This harassment of this company daily is affecting me mental and physically to the point I'm afraid to answer my phone due to the continuous calling they do to me throughout each day and this has gone on for some months now none stop. Even if I communicate with them to try and let them know when I will be in to make a payment they still continue to call me ( causing to miss very important calls because they continue to tie up my line ) Now it interferes with my work. This company does not hold people privacy a priority, seaming that they sent me someone else 's loan document in the mail with all the persons ' personal information on it, if they are this careless with someone else, they can do the same with me. Furthermore, I am not the only one who has experience this type of service from this company, other people who are elderly have also told me that they have experience the same. The local company offices try to make you come in and resign your loan in the office as a way of putting you in a higher interest rate than the one you were initially in causing your actual loan to skyrocket double or triple times the amount you actual had due to start with, as their way of helping you with your situation so they say. I just want the repeated harassment to stop, all the calls and letters are not necessary, and I don't think it is right that when you do try to make some form of payment they refuse you, in order to gain higher interest on you by trying to get you to sign a different agreement than the first one. Especially when they have limited options to make payments because their website does not deduct your funds correctly from your account causing you to go in the local office because of repeated calls saying they haven't received your payment although you attempted to make it online. No one deserves this treatment rather your paying on-time or late ( even the amount of time they allow you to make your payment, they harassed me through the entire period )
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| 02/18/2022 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX, I submitted my complaint to CFPB only to receive a letter stating the case was closed. I am resubmitting, because I actually want this " investigated. '' After logging in today, I see my case was closed stating I did not respond. I'm not sure where someone reached out to me by any of these means, however I only received a letter in the mail stating this case was closed.
Here 's my contact information : Email ( XXXX ) Mobile ( XXXX ) Address : ( XXXX XXXX XXXX XXXX, La XXXX ) Original Complaint : My debt owed to this creditor total due with interest {$4400.00} and now has equated to XXXX the debt as of XXXX at an amount of {$11000.00} and continues to collect interest at a rate of 18 % until paid off, in which a garnishment has been issued. I sent this complaint to XXXX Finance via there online complaint portal after attempting to speak with legal department in which the creditor state there was nothing they could do. So as a last resort I sent this notification with no response from Republic Finance yet. I received notification from my XXXX XXXX ( XXXX ) department that a garnishment order was received from Debt Collector, Republic Finance on XX/XX/XXXX with first garnished wage starting XX/XX/XXXX.
This original debt totaled {$4400.00} with the total as of that date {$11000.00}. My biweekly take home pay totals {$1600.00} with a total monthly income of {$3300.00}. At the time of this debts delinquency, I was a contract worker and had XXXX, in which due to the recovery/extended recovery I was unable to fulfill the contract work in which the opportunity ended XX/XX/XXXX in which I contacted local office to inform them of the job loss. I would like to add, this was not my first loan with Republic Finance and was even extended this particular loan offering because the previous loan was paid timely. Within a couple of months I was served a judgement letter to garnish wages. At the time, I had no idea I would be out of work from XX/XX/XXXX XX/XX/XXXX, but now as of XX/XX/XXXX I was able to find work in my actual field of study. I am the XXXX XXXX of XXXX year old child, and provide all of his support, with no child support as I am continually being taken back to court by my XXXX XXXX ( and everything else to say the least ). I am currently is placed from my home as its needed of renovations and living with family members in the meantime. My XXXX literally had XXXX on XX/XX/XXXX after receiving the garnishment notification from XXXX on XX/XX/XXXX in which I was responsible for the out of pocket estimated cost of {$1200.00} and havent even received the final bills and went to my custody hearing on XXXX and still in the midst of the aftermath and the objection. I know this has no bearing on the loan, however, the debt which is now XXXX the amount owed again is completely a hardship. I am just getting back on my feet and after the first garnished wage, I was left with {$1100.00} which equates to {$2300.00}, in which {$970.00} will pay towards the garnishment, however the interested charged to make this debt XXXX times the amount owed plus the ongoing interest at XXXX XXXX until paid doesnt seem like XXXX ever get out of this debt. Is there any alternative other than bankruptcy as I am in need of a loan to rehab my home. Unfortunately, this was not the only obligation I was unable to perform, however I have begun reaching out to creditors and settling those obligations. Is there any other option available besides the garnishment and this debt costing XXXX times as much as the balanced owed.
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| 07/20/2023 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a dispute regarding the information on my credit report as reported by XXXX and XXXX. The account in question is with Republic Finance, and I have previously submitted a dispute to the credit bureaus, stating that the debt reported by Republic Finance is inaccurate. Unfortunately, despite my persistent efforts, this matter remains unresolved.
The account with Account XXXX XXXX has been inaccurately reported over the past 4 years, adversely affecting my credit profile. Despite multiple attempts to dispute this account with the credit bureaus, the incorrect information persists. Recently, I received a letter from Republic Finance demanding payment of {$1900.00} as a lump sum to settle the debt. However, the total balance reported to the collection agency, XXXX, is indicated as {$4700.00}. This discrepancy raises serious concerns about the accuracy and integrity of the information provided by Republic Finance.
I wish to emphasize the importance of consumer protections outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under the FCRA, I have the right to dispute inaccurate information on my credit report, and the FDCPA safeguards consumers from abusive debt collection practices. Additionally, I believe that the debt in question may have exceeded the statute of limitations for collection in the state where the original document was signed, which is Mississippi. As such, I assert that this debt may no longer be legally enforceable, and I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and ensure compliance with applicable laws and regulations.
Therefore, I kindly request that the Consumer Financial Protection Bureau conduct a comprehensive investigation into this dispute and take appropriate actions to rectify the situation promptly. I trust that the bureau will diligently address my concerns and take measures to ensure accurate credit reporting and fair debt collection practices are upheld.
To facilitate a timely resolution, I have provided my contact information below and enclosed the settlement letter I received from XXXX XXXX XXXX XXXX. Please feel free to reach out to me with any further questions or clarifications required regarding this dispute : Phone : XXXX Email : XXXX I deeply value the significance of accurate credit reporting and fair debt collection practices. Your assistance in promptly addressing this matter is sincerely appreciated. I am eager to receive written confirmation of the resolution and the removal of the disputed account from my credit report.
Thank you for your attention to this issue.
Sincerely, XXXX XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.
15 U.S.C. 1681 SECTION 604 A. SECTION 2 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
15 U.S.C 1681c. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.
15U.S.C. 1681s-2 ( a ) ( 1 ) a PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
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| 07/19/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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I took out XXXX separate loans from this company to pay some debts. The XXXX loan was {$1100.00} at 53.25 % APR. Total pay-off was XXXX on XX/XX/XXXX. I made XXXX payments of {$110.00} in XXXX & XXXX XXXX. Took out XXXX loan on XXXX/XXXX/XXXX of {$1200.00} at 28.70 % APR. As part of the selling tactic I was advised the XXXX loans be refinanced at 28.70 % APR at the time of signing. have been making payments on time since XXXX XXXX of {$130.00} a month. Company refuses to send statement balances and refuses to discuss them over the phone or on the internet account I have access to and pay my bill on. the internet web site only shows the payments made, not the outstanding balances nor the total amounts being reduced by paying on time. Company reported to Credit Bureau the largest balance outstanding I owe to them ever as {$3300.00} as of XXXX. XXXX and current balance of {$2200.00} due with no late payments. company shows on my Credit Report I have paid on time since the loan payments were due. Requested Company send printed statements to show receipt of payments and also outstanding balance owed last year. Have not received any to date. I only have access to the website to show payments made. I finally decided to dispute the amount shown on my credit report last week about XXXX XXXX, XXXX to XXXX stating if I have made on time payments the balance should reflect a different amount remaining. Received mail piece from the Company on XXXX XXXX, XXXX advising of who they share my information with but no statement of balances due. {$3300.00} minus {$2000.00} ( payments made ) equals {$1200.00} remaining on loan. Original loan papers do not reflect the {$3300.00} balance, nor are the amounts borrowed able to be calculated accurately without several errors. Even the finance charges on the original loan document are bogus in reflection to the interest rates, fees and other added items. In my communications with the Company there were several instances of unprofessional behavior and also harassment. I received several reminder notices for a payment only two days late. My payments are set to be paid on the XXXX of every month. I decided since I did in fact take out the loans to not discuss any terms with them and just to pay them on time to avoid further confusion and intimidation.
The loan documents include an auto tow service plan for {$180.00} personal property insurance for {$460.00} and a life insurance policy for {$160.00} all pre-paid and financed in the loan. The original intent of my taking out a loan was for cash only. I was not shopping for the other services nor did I believe this company would have these services to offer. The company advertised itself as a loan company only. I was only aware the extra policies were financed and paid for in advance by the company and included with the total balance of my loan after I went home to review the documents. My error. I assumed that I would be able to return to the company and correct the matters. I was not able to change the terms, or discuss removing them from the original cash loan amounts. They kept saying since the loan was secured with personal property I had to carry their property insurance. but I was given a cash refund for the life insurance policy in XXXX. XXXX. The life insurance dollar amount is still included in the total amount owed.
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| 05/04/2020 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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In XXXX of XXXX I had a death in the family and had to leave town and miss work for a few weeks to take care of personal dealings concerning the funeral and getting personal things in order for the loved one. At that time, I tried to pay Republic Fiance online to no avail. I didn't have a lot of time to sit and deal with this so I could not continue trying to resolve this. I have screen shots of the many times I did try to login to no avail. In XXXX upon my return, I called and asked for help with my login to which I was told more than once that they were having issues with the login site in which I could make my payment. I also have screen shots of this. XX/XX/XXXX, my home was hit by the massive tornadoes that came thru middle Tennessee, my home was spared, but we did suffer much damage. Each time I tried to do an online payment, the payment center never worked. In XX/XX/XXXX, the COVID 19 strikes putting me and many out of work. I am aware that I am behind on this debt but I have also made MANY efforts to pay this debt. Republic Finance has sent me many letters stating that they can INCREASE my loan. I have kept all of these. I did not take advantage of this because I want to pay off the debt I already owe them. On XX/XX/XXXX, after receiving my stimulus check, I called the 800 number listed on the " increase your loan amount '' letters and spoke to a XXXX and at that time paid {$500.00} and received a confirmation number. Assuming this amount would put me in better standing since I have been trying relentlessly to pay. I then called Republic Finance today, XX/XX/XXXX, to catch my account up on payments only to be told that they could NOT take my payment because I owe {$610.00} and that I would have to contact their attorney. I have not received anything to state that I even had an account turned over to an attorney. My payments are $ XXXX/month. With the {$500.00} I paid in XXXX, this technically would only make me late 2 months owing a total of {$330.00}, not the {$610.00} I was quoted today to get my account up to date. I called and spoke with someone in a different office and she said that my account had not even been marked that I had been affected by COVID 19 as no one had made me aware that this was a possibility. After speaking with this nice lady, she gave me a login for a new payment portal that the company now has that was set up in XX/XX/XXXX. Again, no one had alerted me to this new login portal which may explain why I had been having issues. I then tried to login to the payment portal today, with this employee of Republic Finance on the phone with me. Attempt after attempt it did not work - even while she was on the phone with me she could see it wasn't working. ( I have screen shots of this as well ) - these practices by this company especially during these horrible times seems to be if not illegal the practices should be considered highly unethical. I have not avoided paying the debt, I just needed time to catch up on the payments since their OWN login for payments would not work. And I have proof of that. Now, with the hard times due to COVID 19, I am still trying to keep up with the payments and this company has reported all of this to my credit score lowering my score due to inaccurate information on their part. How is this ok? I implore you to please help me.
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| 07/03/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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Took out two installment loans from Republic Finance. The first loan was for XXXX in XX/XX/XXXX. I received a mail piece that said it was a check for the amount and all I had to do was contact them to cash the check. I did some research and found to be true so cashed the check and contacted the company. The payments were pre-set to {$110.00} a month as agreed on the original check and documentation. The interest was about 48 %. I then received another mail piece from the same company a few months later, only this time for a larger amount, XXXX. The total I borrowed was about {$2300.00} cash. the total amount posted to my credit report balance is about {$4500.00}. When I decided to take our the second loan, they reduced my interest rate from 48 % to 29 % or so, which was a relief. At the time of signing the second loan agreement papers, it was explained to me about the life insurance purpose, the auto-club service was added and the personal property was required because it insured they would get re-embursed if the property was stolen or damaged. The amount for the property insurance is about {$460.00}. the life insurance was about {$160.00} and the auto tow coverage about {$180.00}. I was told all payments would be applied directly to the loan balance first and any interest would be reduced if paid off early. I explained I already had home owners insurance to cover loss for personal property but they required their own policy in order to secure the loan. I did cancel the life insurance policy with some considerable confusion by the company. they kept wanting to know what day I was coming in and what time. The life insurance policy only covered the balance of the loan. I received a refund payment of {$160.00} check from them in XX/XX/XXXX for the cancelation of the policy. the balance of the loan on my credit report did not reflect the change. What I found disappointing was the fact that I had to purchase the other products in order to get the loan, that the other products were not listed as part of the initial loan package and that my credit report indicates I borrowed XXXX when I only borrowed {$2200.00}.
I received yet another mail piece from the same company in XX/XX/XXXX the same day I received my refund for the life insurance saying I was pre-approved for a {$3000.00} loan and it would expire XX/XX/XXXX. I contacted them to apply for the loan and was told it was sent by the home office and would have to be approved when I came into the office and submitted another application despite the fact that I already have an open account with them, and my account is/has been current meaning no late payments or missed payments since opening the accounts.
I am not able to view my account over the online to see payments posted, check my balances, or see how my payments are being applied to the principal balance. The payments are not posted on my credit report either nor do they reflect the balance of the original loan amounts. My credit report does show a lower balance.
I have to depend on the company to tell me how much I owe, how much is paid, and so forth. I feel like the company should allow customers to view their accounts online. I am also unsure why they sent me yet another loan approval only after a few months of payments.
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| 04/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Pawn loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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REPUBLIC FINANCE has account listed as charge off but is still reporting amounts and increases to my consumer reports which is illegal and unlawful.
The definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability.
The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ).
Referring to the IRS Publication, Publication 4681 Cat. No. 51508F Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ), Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return unless one of the exceptions or exclusions described later applies. '' Pursuant to 26 U.S. Code 61 ( a ) ( 11 ) - Gross income defined Except as otherwise provided in this subtitle, gross income means all income from whatever source derived, including ( but not limited to ) the following items : Income from discharge of indebtedness.
As defined by the IRS, even if you didnt receive a Form 1099-C, you MUST report Canceled Debt as Gross Income on your tax return, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report Income to my consumer report.
According to Publication 4681 Cat. No. 51508F Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) Also, if your debt is canceled and the lender must file Form 1099-C, the lender can include the information about the abandonment on that form instead of on Form 1099-A. The IRS clearly explains that if my debt is canceled then the lender, which is yourself, MUST file a 1099-C.
If ( REPUBLIC FINANCE ) has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain.
I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. I did not receive anything which is a violation. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C.
Referring to the IRS Publication, Instructions for Forms 1099-A and 1099-C ( Rev. XX/XX/2022 ) Acquisition or Abandonment of Secured Property and Cancellation of Debt. " Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income. '' If the canceled debt was not more than {$600.00}, ( Republic Finance ) is still required to report the debt as income to the IRS.
The continued reporting of this inaccurate information is a clear violation of 15 U.S. Code 1681s-2 of your responsibilities as a furnish of information & 15 U.S. Code 1681e ( b ).
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| 09/14/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with additional add-on products or services
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Web |
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Loan 1 in XX/XX/XXXX found XXXX through a mail solicitation. A loan granted to me based on my creditworthiness I was told by the employee who initiated the loan.
Loan 2 and Loan 3 in XX/XX/XXXX loan were amounts added to loan 1 from XX/XX/XXXX. How, XXXX habitually sends skip a month, calls, emails, sends mailers, etc.
At no time was I given a copy of my signed documents only blanks rolled up strategically in a wad in an envelope.
At no time was I informed that there was any insurance policy issued against items listed on paperwork that I found. The employee asked what kind of household items I have and she herself said : Jewelry? TVs? I had no idea she was selling me insurance nor why she was asking such an obscure question.
Insurance paperwork was purposely and skillfully hidden in multiple copies of XXXX XXXX XXXX forms the insurance policy added in the amount of {$1300.00} and rolled in the pages and gleaned over by the employee covering the page with another page. Telling me that there is no credit life insurance.
Upon calling for clarification, XXXX XXXX XXXX XXXX XXXX policy # to find out what is this insurance. The insurance representative said it shows coverages for XXXX gold earrings, XXXX channel set ring in XX/XX/XXXX then in XX/XX/XXXX XXXX TVs were added. ( It should have only been XXXX TV a XXXX XXXX XXXX not XXXX TVs when asked in XX/XX/XXXX ). In the amount of {$12000.00} it shows there is dual interest coverage, extended coverage, closed ended property coverage form. Further, the representative said that the policy should not have been issued without proper up-front documentation appraisals, photographic evidence, receipts/ dates of purchase, etc.
The insurance representative also calculated that there is a refund owed to me of approximately {$800.00} to cancel this policy that I did not authorize or want. The insurance representative said that the approximate {$800.00} would go back to XXXX and not to me but towards the loan balance more than unilateral contract.
I asked her would I have had coverage to repair the XXXX XXXX XXXX XX/XX/XXXX year of purchase. ( XXXX would not take the TV they do not take DLP TVs and I had to pay the junk guy {$65.00} to haul it away ). The representative said without it having been properly documented at the inception of the policy no claims would have been paid if they were even able to repair the TV.
The insurance representative told me to call XXXX to get the claim form and the refund form faxed to me immediately. See attached claim form and refund form, the insurance representative explained to me that there is to be photographic evidence, police reports, appraisals, serial numbers, model numbers, receipts of the items listed in order to perform any claims or services on this policy or even issuing the policy!
I at no time possessed the alleged ring, earrings or XXXX XXXX TVs. I wear costume jewelry and I will NEVER own diamonds I will not support that industry!
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| 10/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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15 U S Code 1681 section 602a ( 4 ) states that consumers have the right to privacy. My rights as a consumer has been violated by the company list below. Republic Finance, LLC- Acct. # XXXX U S Code 1681c ( a ) ( 4 ) ( 5 ) states that except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U S Code 1681-2 ( B ) ( i ) the PERSON has been notified by consumer at the address specified by the PERSON for such notices that specific information is inaccurate. I have notified this company by disputing with them, CFPB,, and credit reporting agencies.15 U S Code 1681b ( a ) ( c ) ( 2 ) states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN instructions of the consumer to whom it relates. I never gave written instructions for this company to furnish anything on my consumer report.15 U S Code 1681a section 603 ( d ) ( 1 ) states the term " consumer report '' means any written, or, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establish the consumer 's eligibility ; ( 2 ) EXCLUSIONS ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This company has report damaging transactions or experiences that has affected my credit standing, credit worthiness, general reputation, and my mode of living. 15 U S Code 1692f ( i ) states that the collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I never authorized any interest, fee, charge, or expense for this debt. The debt is charged off to profit and loss. I received a 1099-C form from the company.15 U S Code 1692e ( 2 ) ( A ) the false representation of ( A ) the character, amount, or legal status of any debt is a violation. The amount and legal status of this debt is inaccurate. My consumer report states that the account is listed as closed. It is still being reported as in collection with a balance of { {$13000.00} }, monthly payment of { {$470.00} }, and a payment history that is reporting transactions or experiences which is excluded under 15 U S Code 1681a ( 2 ) ( A ) ( i ).
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| 04/29/2022 |
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
- Their investigation did not fix an error on your report
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Web |
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15 U S Code 1681 section 602a ( 4 ) states that consumers have the right to privacy. My rights as a consumer has been violated by the company list below. Republic Finance, LLC- Acct. # XXXX. 15 U S Code 1681c ( a ) ( 4 ) ( 5 ) states that except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U S Code 1681-2 ( B ) ( i ) the PERSON has been notified by consumer at the address specified by the PERSON for such notices that specific information is inaccurate. I have notified this company by disputing with them, CFPB, XXXX, and credit reporting agencies.15 U S Code 1681b ( a ) ( c ) ( 2 ) states that any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN instructions of the consumer to whom it relates. I never gave written instructions for this company to furnish anything on my consumer report.15 U S Code 1681a section 603 ( d ) ( 1 ) states the term " consumer report '' means any written, or, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establish the consumer 's eligibility ; ( 2 ) EXCLUSIONS ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This company has report damaging transactions or experiences that has affected my credit standing, credit worthiness, general reputation, and my mode of living. 15 U S Code 1692f ( i ) states that the collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I never authorized any interest, fee, charge, or expense for this debt. The debt is charged off to profit and loss. I received a 1099-C form from the company.15 U S Code 1692e ( 2 ) ( A ) the false representation of ( A ) the character, amount, or legal status of any debt is a violation. The amount and legal status of this debt is inaccurate. My consumer report states that the account is listed as closed. It is still being reported as in collection with a balance of {$8300.00}, monthly payment of {$190.00}, and a payment history that is reporting transactions or experiences which is excluded under 15 U S Code 1681a ( 2 ) ( A ) ( i ).
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| 09/28/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
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In XXXX I was going through some financial difficulties but my credit was good XXXX. I was offered a title loan in the amount of XXXX from Republic Finance @ a high rate of 29.99 %. I paid on time and consistently with an ending balance of below XXXX. On XXXX/XXXX/XXXX Republic Finance offered an additional XXXX ... for which I paid on time and consistently up until XXXX XXXX ... because of recent unemployment and added financial burdens .My credit score at that time was XXXX. In XXXX I decided to look through the contract and my records of payment and had discovered that Republic Finance had increased the interest rate to 32 % even after paying on time, consistently and with good credit. I also discovered that Republic Finance had added an additional XXXX to the second loan that did not apply to my loan or to the balance owed from the first loan. So the contract unethically and fraudulently read that I owed them XXXX on the Total amount borrowed of XXXX plus the XXXX balance from the first loan ... at an interest rate of 32 %. How is this possible, ethical or fair? I was devastated and outraged. In my time of vulnerability and need ... I had missed seeing this deceptive and predatory addition by Republic Finance. And I also recalled that the loan officer tore up the First loan contract and payment book with the original numbers while I was there in the office on XXXX/XXXX/XXXX. Since XXXX XXXX I have been harassed by associates at Republic finance calling my number and not leaving messages that could be documented or addressed. And on XXXX XXXX my car was taken from my driveway in the early morning hours without notification from Republic Finance. I 've been without personal transportation going on 2 weeks now. I 've had the same car for 15 years and can not afford to buy another because Republic Finance has ruined my credit .... My credit score in XXXX was XXXX but now in the tank at XXXX. I am stranded. Republic Finance is an unethical predatory loan company who needs to be brought to justice for ripping off vulnerable people and for using deceptive lending practices. and charging amounts far Over the amount borrowed or owed. My XXXX loans totaled XXXX plus the abusive interest rates. I paid a total of XXXX from XXXX to XXXX XXXX. But Republic Finance claims I owe them an amount of approx. XXXX dollars at this point. This has caused emotional distress as I can not pay them anymore. Republic Financed has ruined my good credit ... And they have my car in their possession. and have informed me that they will have it auctioned off in mid XXXX. I 've been ripped off, scammed and robbed. I wrote Republic Finance a letter to inform them that they are not to contact me expect by written documentation. Someone please advise! How can any company exist/be allowed to stay in business that expects to rob the lender of XXXX from a XXXX loan in a 4 year period and steal your car in at the same time?
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| 12/08/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Taking out the loan or lease
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Web |
Older American |
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I had a loan with Republic Finance LLC whereas I owed {$3000.00} from XXXX/XXXX/XXXX to XXXX XXXX. The loan was for two years. In XXXX XXXX there was a hurricane and I asked the company could I delay paying them until XXXX and they said yes. I had been paying them and if I ran into a problem, I would call them. They put me delinquent on XXXX/XXXX/XXXX where as Republic agreed that I would pay them in XXXX XXXX, but on the credit report they stated the first delinquency was XXXX not XXXX. Tried to file a Judgment against me. I had called them prior to issuing the Judgment and told them that I was going to pay them off in XXXX XXXX. They said okay. They filed a lawsuit for a Judgment on XXXX XXXX, XXXX but the Judgment did not go through because I answered them and said I was going to pay the loan off. They sent to the credit bureau that I was in collection and was never in collection, that I was {$540.00} past due and I was not. Put down I had XXXX 30 days late and XXXX 60 days late to ruin my credit even though I paid them {$1400.00} in XXXX XXXX. They filed against me and my husband because we had a house. After explain the situation in an Answer, the Judgment was not file but tried to make me pay a collection which did not happen. I told them that I was going to pay them off in XXXX XXXX. They wanted a Judgment and since the Judgement did not happen, they put down I was in collection from XXXX through XXXX XXXX. This was Republic Finance LLC, XXXX XXXX, Manager but they moved from the address. The address of the home office of Republic Finance is XXXX LA XXXX. XXXX number XXXX. The account # XXXX. They have ruined my credit when I paid them off eight months before. Republic put down that I had 30 days past due on XXXX, XXXX, and XXXX and 60 days past due on XXXX, XXXX and XXXX and collections for XXXX, XXXX and XXXX. Never received anything but the Judgment they tried to do. This was done to put a lien against my home. Did not try to work it out. The loan was {$120.00} a month. When I did not pay on the due date, I paid the {$10.00} late charge. Sent me a letter on XXXX/XXXX/XXXX and filed lawsuit on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, told them I was going to pay them off in XXXX. On XXXX/XXXX/XXXX paid {$130.00} with check # XXXX, XXXX/XXXX/XXXX paid {$130.00} with check # XXXX, XXXX/XXXX/XXXX paid {$130.00} with check # XXXX and on XXXX/XXXX/XXXX paid {$130.00} with check # XXXX, therefore, I could not have the 30 days past due or the 60 day as stated by Republic. They told the credit bureau that I paid off the collection which was never in collection. This company did not care that I was going to pay off this loan and deliberately put incorrect information in the credit bureau to ruin my credit. Companies like Republic Finance , LLC should be investigated for the strategies used on consumer. I talked the District Manager several occasions but upheld what was done.
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| 06/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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On XX/XX/2020 I recieved a letter in mail with a live check inside. Never heard of this scam before but they send a check in the middle of pandemic while people are jobless waiting on stimulus checks in you mail. If you cash it, you automatically agree to terms which is 43.97 % APR, {$450.00} fin. Charge, plus other fees and charges. I cashed it. Desperate, out of work, no money comming in and its the worst thing I could have done. I tell them its unfair because its predatory, sent to anyone without discrimination or a check into if they have enough income or a job to pay it off or a XXXX like XXXX or cant read or write, they don't care.
All you need is that check, sign the back, go to a bank and cash it. One or two forms of I.D . this can easily be manipulated. My wife or son could have cashed this but I'm just talking in hypothesis I own up to it so I was trying to work with them but as soon as I went 2.7 months back, they sued me. This is republic finance LLC. Of XXXX, LA and my court appearance is tommorrow at CITY COURT OF XXXX state of louisiana ( XXXX ). I blocked their numbers after horrific and intense calls 6 days a week 5-6x day. I partily lost a job of 2 weeks bricklaying because of these calls. When I was served papers saying im being sued, my wife called them and offered to catch up the 3 months and get back in good standing with her credit card for {$400.00} but the lady ( XXXX ) was so rude and insulting basically talking to us like we are children and we have to do what's on the subpoena which says go to court or pay {$1600.00} in full or be sued.
I sent money orders to their office of {$120.00}, {$30.00}, and {$30.00} just so I don't go to jail but they send me no bill or invoice or payment stub in the mail. They are basically acting like they want the judgement against me. Only gave me 10 days to get to court for an answer when 20-30days is the norm. I've seen a white chevy XXXX parked in the next street taking pictures of my property 2x already. When they see me exit my house they leave.
The supoena also says that since they are sueinf me they are tacking on an additional 16 % APR, 18 % maturity, court, their lawyer and process fees all on me. A {$1400.00} loan supposed to be {$120.00} a month, I only cashed in {$980.00} and now it looks like if things don't go my way I'll be paying almost {$3400.00} to {$5000.00}. I called them and offer to pay {$30.00} a month because ive been without a job all year because of the pandemic and I just won my UE. They don't exceot the payment so i have to send a money order to their office not knowing if I'm wasting my money.
I'll see what happens at court tommorrow. They have an attorney but I am loan wolfing it. I studied the laws a bit and wrote down key talking points, they while not bully me or intimidate me. Thanks XXXX XXXX XXXX XXXX : XXXX XXXX
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| 03/27/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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|
Web |
Servicemember |
|
In XX/XX/XXXX I was mailed a check and paperwork with it stated that it was real money and if I cashed this check I would be obligated to repay the loan ... In XX/XX/XXXX my now ex girlfriend became XXXX.. In XX/XX/XXXX I lost my job and it was n't until XX/XX/XXXX that I gained another job that paid halfway decent. Throughout all this we managed to make the payments on this loan.. Then in XX/XX/XXXX we just did n't have the money ... We called and made a partial payment, we tried to make a partial payment the following month and they would not accept it ... So I stopped paying as they told me they were turning me over for legal action ... Meanwhile they have continued to call, we just did n't answer, they continued to send me mail stating they were proceeding with legal action ... About a week or so ago, my ex called me to tell me she had gotten a letter from them stating I now have a court date for XX/XX/XXXX I believe ... I then contacted them as while they have been sending all these collection notices they have also been sending more of those checks hoping I would cash another.. Which I have not.. Cant afford the loan I do have ... Anyway I contacted them and then went to see them this morning.. I took them a payment and told them I needed to know when I took out the loan, how much I borrowed and how much I have paid back.. I also wanted to know my balance ... The original note was for XXXX on XXXX XXXX, XXXX Then in XX/XX/XXXX I borrowed another XXXX ... They combined the loans and I had been paying XXXX a month until I reached a point I no longer could pay that amount ... Today I was told my total loan amount was for XXXX I have paid in XXXX. XXXX ... I have a balance of XXXX outstanding ... How can they legally do this to me? I will never get out from under this debt.. I figured it up and its like 72 % interest ... Is n't this illegal? What are my options here? My gf and I are no longer together, I am playing catch up on all my bills as I had to pay hers as well because she was unable to work ... I can not afford to pay these people 150 some dollars a month and I need some help ... I am of the opinion this company as well as others like it go through and get peoples credit scores and then in knowing they can not afford a loan, would not be approved for a normal loan, they then send out these checks to the poor who need help.. Then when the poor cash the checks they are in a vicious debt trap ... And they harass you sometimes calling XXXX-XXXX times a week wanting to know when they can expect their payments ... Please someone I need help with this as they are finally taking me to court.. Is there really a judge that will order me to pay this note at 72 % interest?
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| 09/28/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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XXXX and XXXX XXXX have a loan at Republic Finance XXXX XXXX XXXX XXXX, in XXXX, Mississippi. Phone # XXXX. We have our payment sat up on AUTOMATIC payment to come out the XXXX Wednesday of every month. We take the Money from my XXXX check and put it there for Republic Finance to take out. It has always been this way for 3 years. On XX/XX/2020 Republic took the payment out early which there was not any money there to be taking out. This was on a Monday. Monday morning I looked at our bank account and notice the loan payment had been taking out. Was not due for 3 days. I called Republic office to ask them why they took the payment out. I talked to XXXX XXXX about it. She said she didnt know it happen and would call me back. She called back and said she put it in Friday to be taking out. We got charged a overdraft for it. XXXX and I ( XXXX ) went down to see her about it and told them to pay the overdraft. They gave us a check for {$37.00} to pay overdraft. We told XXXX XXXX that we was not going to take it off automatic payment and it better not ever happen again.
On XX/XX/2020 XXXX looked at our bank account and again Republic had taking another payment out of our account and it was not the day to be taking out. She called XXXX XXXX again about why they did it again. Same excuse as before, she put it in to take out. XXXX told her to take it off automatic payment and have the paper ready to sign that afternoon for her to sign and she would be there after she got out of school. XXXX couldnt get anything but excuses but no real answer from XXXX to why it happen. XXXX called the Corporate Office and talked to a lady name XXXX at # XXXX XXXX. XXXX told her she would have XXXX XXXX ( Regional Manager ) call her back. XXXX talked to him about the payment problem and what had happen on XXXX XX/XX/2020. Nothing but excuses from him also. As she talked to him about it, she said something about it happening before in XXXX. He didnt even know about it. After talking to him, come to find out it was sweep under the rug so it looked like no one would know. XXXX told him she was going to the office that afternoon to sign a paper to get the automatic payment taking off and to get another check for a second overdraft. XXXX went to office to see XXXX XXXX and the girl up front said she went to lunch. Who goes to lunch at XXXX knowing she told her she would be there that time. They tried calling her and she wouldnt answer her phone. She has not contacted us yet. Nothing. We did take it off automatic payment anyway. But we still have not heard from her or anyone about this problem. We hope we can get help and something is done with CFPB Thank You XXXX XXXX XXXX XXXX XXXX XXXX
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| 01/08/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
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|
Web |
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In XXXX, I took out an installment loan with Republic Finance in XXXX, Alabama to help build my credit history. I paid the loan on time, except once. The reps called me constantly throughout the day, even at my job. I informed the location manager that I was going to come in to get a payment history printout so that I could pay the loan off because they were being very unprofessional regarding the matter. In XXXX, the manager filed a claim against me in court per se. He even went as far as to send garnishment papers to my employer without a verdict being rendered in court. I made a payment for {$450.00} via money order after that and he did n't even report it to the court. I disputed the matter on my credit and it came back as " satisfied/released '' but, Republic Finance has since placed another delienquent account on my credit for a balance {$200.00} shy of the amount they entered for the court claim. Also, in the court papers, they never reported any of my past payments, they tried to sue me for the full loan. When I went to the location where I got the loan to get a payment history printout, no one would give it to me. The representatives all told me I needed to see the manager XXXX, which was the person that filed the same claim in court against me. Upon meeting with the manager XXXX, he asked me what I needed a payment history printout for and asked was there something I needed explained to me regarding my loan? I do not owe the amount that Republic Finance is claiming that I owe. I was going into the actual location paying with cash and I would recieve receipts on thermal paper from a credit card machine and they have since faded. When I told XXXX, the location manager that I would like to make my future payments via bank draft, he suggested I continue to pay in cash because it posts to my account immediately and that bank drafts can take a few days to clear. This was a red flag for me and is why I made my {$450.00} payment via money order, so I could have proof of payment. If you notice on the court documents, all of the documents that were submitted, when he submitted my account information, there are payments areas blackened out, as well as my account number. I believe they have committed forgery and I would like this matter to be investigated and I would like it removed from my credit report because they have created XXXX separate accounts under my social security number. After the court case was released, Republic Finance went back and opened another account and have been reporting delinquencies on my credit report.
|
| 09/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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In XXXX of XXXX, I was solicited for a loan from and entered into a financial contract with Republic Finance for a {$1500.00} loan. In XX/XX/XXXX, I ran into a financial hardship and verbally spoke with my accounts representative and we agreed to payment for the next 6 months of {$50.00}. I commenced to making the verbally agreed amount and received a notice that a court filing had been filed seek a judgement for the full balance of the loan. I went before a XXXX XXXX Judge where I agreed to a consent judgement in XXXX of XXXX to pay the balance owed to Republic Finance. In approximately XX/XX/XXXX, I received a written document from Republic Finance offering to settle the account for approximately {$700.00}. I agreed to the settlement and in XX/XX/XXXX I paid them the agreed full settlement amount.
In XX/XX/XXXX, I received a document from the judge of XXXX XXXX Court stating that I had satisfied the loan. At that point I had not further contact with Republic Finance and I did not realize that they did not report the updated information to the Credit Bureau.
In XX/XX/XXXX, I applied for a Mortgage and was denied. I found out that I was a victim of Identity Theft and had the corrections completed. In XX/XX/XXXX, I attempted to apply for a mortgage again and was again denied as I was considered a risk. At that point the lender explained that there was an issue on my record identified as a debt to Republic Finance that stated that not only is the account seriously delinquent, it was months in collections and still showing a balance due of approximately {$1400.00}.
I then proceeded to dispute the account with the Credit Bureau twice and the company did not make any changes on the first attempt and made a correction that the account was settled in full with 14 months of delinquency and in collections until XX/XX/XXXX. It also caused my credit score to drop tremendously.
I then thought to call Republic Finance and see if I could rectify the matter. I have been in contact with them daily for over a month, and the matter has still not been resolved or corrected.
Therefore, I am writing to you for some sort of relief. I did indeed receive the funds from this company. I did indeed made every effort to fulfill my obligation with Republic Finance and the Court of the City of XXXX. I believe that Republic Finance violated the Fair Debt Collection Practices and has harmed me financially. I am now aware that they could be the reason that I have been paying higher interest rates on purchases and am being denied a mortgage.
|
| 01/22/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
On XXXX XXXX/XXXX/2016 I took a personal loan with Republic Finance located in XXXX, Georgia. My payment history had been satisfactory with them. During the months of XXXX I requested to change my payment date at which I was required to enroll in an automatic payment plan that drafted my payment via ECH. I submitted the form and waited for new payment date of the XXXX but no draft came out. I contacted Republic Finance and they stated they never received a payment from me nor did they receive my payment notice for ECH. An additional form was submitted in the month of XXXX and the receipt that form was confirmed with a customer service rep. On XXXX XXXX a payment was scheduled to draft for both my XXXX and XXXX payment but never came out. I contacted Republic Finance and was provided with the same story that they never received my draft request even after I confirmed it was received. Because of this it put my account in jeopardy of being delinquent and being reported to the credit bureaus. I contact Republic Finance several times but instead of helping me they requested payment. In XXXX I contacted Republic again to make a payment and I was informed that I could no longer send them personal checks for payments because I had two previously returned payments. They stated that I would have to pay them in cash or money order. I refused and asked where that was stated in my loan contract. At that time I was informed that it was a company rule and that it was not established in the loan contract. Republic told me that it was a corporate rule and that it would be enforced. When I told them about contact a government agency they then agreed to let me send a check. Over the past two weeks Republic Finance has been calling me repeatedly over six times a day with the use of an auto dialer to request payment. Earlier this week I sent a request for them to contact me via US mail and that a payment in the amount of {$550.00} was sent to them via mail. They stated that they refused to take the payment and it would be rejected. Shortly following I received a letter acknowledging my request and a letter stating that they would work with me to bring my account current. They Republic Finance was made aware of the check sent through the mail again via phone call but shortly after I received a send letter requesting the balance in full within the next ten days. This made me review my loan contract at which time I observed that the new loan contract was never signed by the lender or myself. All the signature lines are blank.
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| 01/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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1.I have never had an account with this company REPUBLIC FINANCE , REMOVE from all credit agencies from reporting.
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are REPUBLIC FINANCE the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
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| 02/23/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
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|
Web |
|
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I submitted a complaint to CFPB case no. XXXX on XX/XX/XXXX about this same company : Republic Finance. A case was opened, the company responded, and I responded thru the CFPB website portal about XX/XX/XXXX. Since there were some peculiar events contained in the original complaint, I had not heard from the company for several months. The complaint was initially about how much money I owed, how much was reported to the credit bureau, and how much the company said I owed according to the original contract. There were discrepancies in all XXXX instances. To date, the company has not sent a complete itemization of the principal balance, interest accrued, interest paid and payments made to the loan. It is a personal loan taken out with personal property as collateral ( which they never saw ). I do still own the property. My concern is that after CFPB got involved, the company stopped all communications with me from approximately XX/XX/XXXX to XX/XX/XXXX. I have received no mail requesting payments for the debt until a few weeks ago. I believe according to the documents presented by Republic Finance they do not want to disclose the itemization of principal balance plus interest separately because they are lying about how much I owe. And they also have used intimidation to attempt to collect. I am writing again because I would like a third party to review this company 's collection practices. I am not in a position to hire an attorney. I just want them to itemize the principal balance, interest and fees in writing. Because the debt is well past due, they should have been contacting me several months ago. It is curious because if I was two days late they would be both calling and sending reminder letters out. the loan is about 2 years old now. Total amount borrowed was XXXX. total amount paid was {$2400.00}. None of the documents Republic Finance sent reflect these amount. The document I received has a return address of XXXX, LA. XXXX. XXXX. Branch # XXXX. Balance amount is now {$2300.00} with a payoff offer of {$2000.00}. Settlement offer of {$1500.00}. Still very confusing since none of the figures amount to what I have on record to owe. My last amount of the loan balance they reported was {$2200.00} as of XX/XX/XXXX. I believe I do not owe them anything because of poor business practice/misrepresenting how much I owed initially, and concurrently, intimidation and false credit reporting posted on my credit report.
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| 04/03/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
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This initially began in XXXX and XXXX when the XXXX, TN Republic Finance employees ( XXXX and XXXX ) would repeatedly call me as soon as my payment was 5 days past due ( after the company grace period ) but I could not give them an exact date on which I would be able to make my payment. If I was unable to answer the call because I was working, they would call all of my references ( even though I was only a few days late ). They would often speak rudely to me and talk over me. I finally filed a complaint with Republic 's customer service department. I spoke with XXXX on XX/XX/19, who said that she would reach out to the Regional Vice President regarding my issue. I received a letter a few days later from XXXX XXXX stating that the representatives would no longer be able to phone me. I began making my payments online so that I did not have to interact with the rude employees. On XX/XX/2019, I made my payment online at about XXXX XXXX. Shortly thereafter, I was on the telephone with my husband ( one of my references ) when he received a call from XXXX stating that if I did not call him in the next five minutes he would flag my payment as late. I called XXXX, feeling threatened, and told him that I was returning his call. He immediately began to be rude to me and told me that because I made my payment online at the end of the month rather than calling the store to make my payment that it was going to be considered late. He said that they tell customers that the payment must be made by 3 to considered the same day. I told him that as many times as they have called me no one ever told me that. I tried to ask XXXX if my payment was definitely going to be considered as late because that was not what was said to my husband. He refused to answer my question but instead continued to chastise me for not calling the store. I became very frustrated with how he was talking to me and by him not simply answering my question so that we could end the phone call and explained to him that that ( the way he was speaking to me ) is why I do not like to call.
I have tried to work with the employees at Republic Finance yet they refuse to be polite and work with me. I understand and honor my responsibility to the best of my ability. I am a hardworking bill paying adult who does not deserve to be treated ( abused & harassed ) the way XXXX and XXXX have treated me.
|
| 02/13/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
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I got this loan for a total of {$4000.00}. 2 checks were huge to me for {$2000.00} each. I failed to make on time payments and forgot about the loan. I never received any contact from Republic Finance about it. I am in the process of trying to get approved for a house and it came up on my credit report in XXXX. I reached out to Republic Finance to start making payments and get the account settled. On XX/XX/2023, I made a {$1000.00} payment to an agent named XXXX, and making my notes balance due {$3200.00}, and was told to keep calling back each month to make my payments. When I called on XX/XX/2023 to make another payment, my balance had changed had had added an additional {$260.00} in fees for late payment, but I was informed the account was with a collection agency and I can not pay with Republic Finance. I reached out to XXXXXXXX XXXXXXXX to find out about my balance and get my payment made. The agent I spoke to XXXX, informed me my actual balance was over {$5000.00} and that they never received my payment of {$1000.00} from XX/XX/2023. I gave them 24 hours to get with Republic to find out the discrepancy. I called back on XX/XX/2023 and they had not heard back from Republic so I called them to figure out why I was giving different information in XXXX. The manager I talked to at Republic informed me that XXXX should have never taken my payment and that she gave me the wrong balance. This has messed up my entire plan. She also mentioned that XXXX supposedly could see my payments immediately when they are made and that is not what XXXX informed me from XXXX. I ended up settling my account with XXXX bc I need to move and get approved for a house and this is hurting my credit score. I still have not received a receipt of payment or my deletion letter from XXXX and the agent coins not confirm if my {$1000.00} payment was ever applied to my account. I feel this needs to be reviewed and my {$1000.00} payment refunded bc Republic was charging me interest fees every day and made my loan go from {$4000.00} to over {$7000.00} that does not sound right. No one will provide me any documentation of my payments or that I have paid it off and Republic Finance sold my account but still had it showing on my credit report with them. This feels almost like a scam.
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| 11/26/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
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Not one of your cat applied. I was in XXXX in XXXX when a live check came in the mail and one of the family deposited it since I often received paychecks by mail, No one knew it was a solicitation for a loan. Once I returned from XXXX in XXXX, I found out about this loan and was XXXX. I did not approve, or even sign the check. They will not provide me a copy of the check but to keep my credit in check, I made the payments at 34 % int. Once I became medically unable to work, my fixed income became strained and I contacted XXXX XXXX in XXXX and they said tough. One lady asked the following two questions : " do you have a child 's account you can pay us with '' and " you have a wedding ring right? sell it or other jewelry ''. I was highly offended. I have hearing problems and have notified them I can not talk on the phone well and gave them my new address. They continue to call 4 to 5 times a day and I can not answer. They only use an email service XXXX calls deceptive. They reused to work with me, refused to contact me in a way I can even if no personal information is sent. According to the XXXX XXXX document, Guidelines regarding the Avoidance of Predatory and Abusive Mortgage Lending Practices in Georgia XXXX XXXX Banks, they fit the bill, using predatory leaning methods to secure high interest rate loans with those who can not afford it, have low credit or are on fixed incomes. They even have on their walls a certificate from the governs office proving they have support of the state in their lending methods. I have no choice but to let it go to court, they say I signed a document that said I agree to arbitration. I never saw any document or signed any check or paperwork and now want this loan expunged. This is not the only Leander that did this while I was out of the state, XXXX XXXX also said I had a loan and threatened legal actions. No one in my family saw this check and no one signed it but to protect my credit, I paid them over XXXX for a XXXX $ loan. Now, I throw all mail away without opening it, just tear it in too. My credit has not been destroyed and this leaning practice, illegal in XXXX states, is common in Georgia and I want to see the companies closed and this predatory leaning stopped.
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| 08/31/2023 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
Older American, Servicemember |
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I received a loan from Republic Finance. After receiving the loan the female that was working there told me she had put copies of all the documents in the envelope. but when I got home there was nothing but blank documents. I eneded up having to file a formal complaint against the company, and when I received copies of the documents I found that my initials had been forged stating that I wanted insurance, and after filing another formal complaint the company paid the XXXX dollars, I believe that was the amount, back to me. I have paid XXXX dollars for years now, always on time. In XXXX I paid on time, but I only paid XXXX dollars, instead of the XXXX. In XXXX I paid XXXX dollars, on time, but it was lacking XXXX dollars. They asked when I would be able to pay the XXXX and I told them the XXXX week of XXXX when I received my social security check. When I received my check, my electric bill was extremely high, so I couldn't pay them. Now that another bill had been paid off I told them I would pay them the XXXX dollars on XXXX XX/XX/2023. I asked them not to call me again, but they have been calling me everyday. The next thing I hear is that they called my brother in Mississippi who is suffering from a XXXX XXXX and parkinsons, and he is much older than I am. asking if he knew where I was, because I owe them XXXX dollars when they know exactly where I am, because they call me every day. They threatened to put it on my credit report, all for XXXX dollars. They said XXXX because I was late, and I wasn't late, I just didn't pay the full amount. This company is ruthless, using underhanded tactics and rudeness, and trying to scare senior citizens. If this is the way they felt, shouldn't they have sent a letter? I am a senior citizen, a XXXX XXXX, and have a credit rating of almost XXXX, and you don't get that by not paying your bills. They have me owing over XXXX dollars, but if you look at my credit report it shows that I only owe XXXX dollars. This is a ruthless company, and the only way the credit bureau can get that information is, it's reported by the company. There should be an investigation into this company and the underhanded things they're doing.
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| 01/13/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I agree to a loan based a check received by mail that once deposited you agree to terms and conditions. I was instructed to download mobile app and you could create account online Republic Finance.com to view your account details and make payments. The problem I have been addressing since XX/XX/XXXX when I made my first payment greater than the required XXXX XXXX monthly. I have been paying more than this amount to payoff loan sooner. I can not understand why my account only displays payments only and nothing more. I have call over 3 times and again today XX/XX/XXXX about not being able to see how my money is being applied to interest and principal. I've been total conflicting information from technical problems, a supervisor going call you, mail information, supervisor call me back on and on. I have NEVER dealt with a loan servicing company who can not provide me with this simple request that does not display by way of Republic Finance website or Mobile app. The only thing showing is my payments and payment date and balance. The balance does not automatically update after making payment. I make extra and additional amounts over my monthly payment. I am paid ahead through XX/XX/XXXX. Today, site show a payment due of {$38.00} so I paid {$40.00}. My balance went from {$3000.00} to {$3000.00} after paying {$40.00}. Now it shows a payment due of {$190.00} due XX/XX/XXXX. (??? Why did the amount due increase ). Again I am requesting an amortization showing the original loan amount, payments applied to interest and balance thereafter. Why is Republic Finance reluctant to send me this information because it is now shown on the website or App. No more excuses about technical problems, will mail, supervisor will call. Lies since XXXX and it is year XXXX, I still do not have the information. I strongly feel something fraudulent is going on. I demand to see how my money is being applied. Please mail me this information that I was told over 3 to 4 times. Today Agent told me a supervisor will call me, really? You verified my address etc. and to date nothing. My account XXXX. XXXX XXXX XXXX commerce XXXX, XXXX XXXX, XXXX XXXX XXXX, ( XXXX ) XXXX.
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| 06/28/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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That is a crystal a clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as a violation of its provisions.
As I stated before, this is my final request for you to do as you are governed by the FCRA. If this the final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.
I take my credit very seriously and your lack of professionalism and assistance disgusts me. I am well aware of my rights under the FCRA and intend to pursue them to the maximum I am anticipating your immediate response This letter is a request for the steps that your company took when investigating the disputed items.
Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them.
Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. I am also requesting the date that the supposed delinquency incurred.
you company is reporting this account as an collections when this account has been paid in full and should be reported as such your company is also reporting collections on the same date paid in full? how? when their was never a collections or default?
provide me the following ; PROVIDE THE FOLLOWING : LICESNES TO COLLECT IN MY STATE ORIGANAL INDEBTNESS CONTRACT WITH MY WET INK SIGNATURE COPY OF THE STATUE OF LIMITATION IN MY STATE TO INSURE YOUR IN COMPLAINCE COPY OF THE PURCHASE AGGREEMENT WITH ALL TERMS ATTACHED FULL ACCOUNTANTING
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| 09/28/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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Web |
Older American |
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I have an outstanding unsecured installment loan with Republic Finance. The loan came about from mailing me a loan check that I could cash and create the loan. This process went fine, there was no issue, and I have used them multiple times before. Until now I was a satisfied customer.
I was contacted by text that I was available for additional funds because of my good status. Since I needed some funds I called the number of the local branch and spoke with XXXX. He took my basic information and then other information that I thought the local branch should have since I am already a customer but I provided it anyway. There was a hard pull on my credit report and then I was told the loan has been approved. I was asked to submit additional documents like paystubs, photo ID, voided check. I send it in over their portal and I received a phone message that everything is good they just need to get some additional information.
The additional information was to request descriptions of personal property as this loan was being converted to a secured loan.I was never informed that this was to be a secured loan. If I had been I would not have gone forward and especially not have authorized a hard pull on my credit report. I told them I felt that I had been mislead and misrepresented and the response I got from XXXX was additional funds always have to be secured. If that is their policy that is fine if it were disclosed at the beginning. I asked them to play me a recoding that they told me that the loan is to be a secured loan and they don't record their calls. I was transferred to XXXX who then told me that This is just the way it is and they do this everyday. As if failure to inform makes it right.
I requested they tear up all paperwork and not to contact me again.
By misrepresenting the loan ( which they deny ) I wasted hours of time and incurreced a pull on my credit that could have been avoided.
This occurred at XXXX XXXX of Republic Finance.
Regards, XXXX XXXX
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| 07/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
Servicemember |
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I have diligently tried to work with Republic Finance. At first, I was furloughed and despite my requests, they continued to take automatic payments from my account after I notified them, with charges hitting my account 4 times. XXXX, branch manager stated that she filed suit against me although I communicated with one of her friendly representatives that my unemployment ended and I was returning to work. Unfortunately, a {$50.00} payment was returned that day because the funds had not reached my account. I am XXXX on a special mission, which I have communicated with XXXX. I filed a corporate complaint and XXXX responded. I have called XXXX back three times with no response. Further, this lender has an interest rate near 300 % and I also asked that a {$1600.00} premium be removed from the account as insurance on household goods. That has not occurred. My bank sent {$250.00} to REPUBLIC FINANCE but the funds were refused. The branch manager is obnoxious and unrelenting in spite of my attempts to work with her. Further, she is ruining my career and my security clearance by filing a bogus lawsuit as if payment arrangements had not already been made with her representatives. This company is predatory and as a consumer I should have been aware of their practices and should have never done business with them. Unfortunately, consumer beware. If they do this to me, there are many other victims. I can not continue to go back and forth with them and if I lose my job no one profits. I can not disclose my location at this time and have no access to mail or other communications, which had also been explained multiple times. This is the only creditor I have had problems with resulting from the furlough and subsequent layoff. Their profits from me are already huge, that exorbitant interest rate should not even be legal long term. My spouse is military and also stated that I should not have been involved with this company. Please provide relief.
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| 11/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I recently received some information from Congress about my disclosures, that I noticed that we did not discuss, nor was it written in my documents at the time of the loan agreement.
Your company is in clear violation of the law. Under 15 USC 6802- Obligations with respect to disclosures of the personal information. THE LAW CLEARLY STATES : ( b ) OPT OUT ( 1 ) In General- A financial institution may not disclose nonpublic information to a nonaffiliated third party unless- ( a ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic or the other form permitted by the regulations prescribed under section 6804 of the title, that such information may be disclosed to such third party.
( b ) the consumer is given the opportunity, before the time that such information is initially disclosed to such a third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Your company is in clear violation of the law Under 15 USC 6802, because they did not give me an option to opt of having my loan to report to the Credit Reporting Agencies.
Furthermore, the XXXX loan was an approval of a specific extension of line of credit used by my XXXX XXXX XXXXXXXX and XXXX XXXX
15 USC 1602 Definition of rules and construction States : ( I ) the term Credit Card means ANY CARD plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or Services on Credit.
( Any Card- Has NO Discrepancies ) Your Company is in clear violation of : FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( b ) Any Authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
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| 09/29/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
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- Received a loan you didn't apply for
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Web |
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I received a check/loan in XXXX. I deposited the check. When the first payment was due I was called and I told them I would make the payment my next pay date. That was XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke with them and said I would make the payment over the phone. I was told that I could possibly " get more money '' with an application for a new loan. I told the lady twice I would make the current payment so as not to get behind. She again encouraged me to " see if I qualify for more money. '' She started the application and told me that since my credit was frozen I would need to unfreeze this then she could continue the application. I had my credit unfrozen with XXXX the same week. I spoke with her again XXXX/XXXX/XXXX and she said they do not use XXXX and I would need to unfreeze my credit with XXXX & XXXX. I again offered to make the payment so that I would not become delinquent. She said " just see what you can do. Maybe we can get you some more money. '' I have tried to unfreeze my credit with the two other agencies unsuccessfully and have had a hard time getting in touch with the agencies due to the XXXX breach creating long hold times, and have been disconnected while waiting. I even spoke with XXXX but due to the operators thick accent I could not understand the questions he asked and I was unsuccessful. Today I again tried to get in touch with XXXX and was told after waiting 1.5 hours that I had the wrong department and was given another number. I work and take care of my XXXX XXXX XXXX XXXX so I could not stay on hold for several hours. This evening I received a message stating that " the application could not longer be active '' and that she needed to hear from me by XXXX XXXX or " things will get serious. '' I called and left a message to remind her that I have tried multiple times to make the payment and I asked to please let me know what she means by " things will get serious ''.
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| 03/10/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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Republic Finance, by their own admission, does not show the amount of your next due payment on your online account, until the due date itself. If you sign in to check your account prior to the due date, even just one day before, so you can know how much money you need to reserve for your payment, it shows : Amount Due on : XX/XX/2021 {$0.00} I signed into my account on XX/XX/2021, the day before my due date, to see the amount and go ahead and make my payment. It showed Amount Due On : XX/XX/2021 {$0.00}.
I was a little surprised, but I thought I may have paid enough for this month when I made my last payment. Ive had that arrangement with them before, where for instance if I make a payment that is 3x my monthly payment amount, then I dont have another payment due for 3 months. Since it showed {$0.00} due, I did not include this months payment in my budget. Today I received a call from the XXXX, GA Republic Finance branch office. When I called them back I said I was confused about why they were calling me because I had checked my account and it said I didnt have a payment due. The woman who answered my call said she knew its a little bit silly but their system doesnt show the amount due until the due date and afterward. To make sure I understood what I was hearing I said that with every other bill Ive ever paid you can see how much you owe prior to the due date so you can plan how much money you need to reserve and budget accordingly, and asked if she seriously meant that you can not see your amount due prior to the due date. She said yes, it does not show your payment amount until the exact day your payment is supposed to be made.
My payment date is the XXXX of each month. I checked my account in XX/XX/2021. I received a call from them ( XXXX ) on XX/XX/2021 at XXXX EST. I returned their call ( XXXX ) and had the conversation described above on XX/XX/2021 at XXXX EST.
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| 09/21/2018 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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Where I live is a very small town where everyone know everyone 's business. I am fraudulently being charged money for child support. And my privacy is very compromised. I was making payments on this loan faithfully. The loan was close to being paid off. I would pay months in advance to assure payments and then some. The fist loan was for the amount of XXXX, then the second loan was for XXXX. They combined the remainder from the first loan and the second loan with another monthly bill amount. I continued to make payments the same. Until I got into a legal situation that refrained me from making payments. I contacted them about the situation. Then I filed my taxes as soon as I filed my taxes. The taxes were taken for child support. Fraudulent child support keep in mind. But since I am having problems with settling that matter. I felt some sense of relief knowing that some of the child support payments were being reduced. Well right after that. I received a notice on the door from the loan company sending me to court suing me for over 3000 dollars. As if I had never made any payments to them at all. I feel that I do not owe them that much money. And as I researched the company. I saw that several other people had several complaints similar. I feel very harassed from this company because it seemed ironic that they would do something like that to me. Right after attempting to make a payment towards the child support. I felt it to be insult to injury. Especially the fact that I consistently made payments to them. How so they could charge me so much more than what the loan actually was along with collecting so many payments from me. I feel as if I was scammed and being manipulated to make payments that I do not owe. The name of this loan company is XXXX XXXX in XXXX Louisiana. At first they were acting accordingly then all of the sudden they became greedy.
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| 08/11/2015 |
Yes |
- Debt collection
- I do not know
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- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
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Web |
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On or about XXXX XXXX, 2015, I was served a summons in regard to a default on a loan in the amount of {$3500.00}. The summons which was stamped filed on XXXX XXXX, 2015, did not provide an attachment of any valid legal contract evidencing the debt, with the original date and terms of the debt, with my personal signature on a contract of this alleged debt.
I have never personally applied for, nor have I ever signed a contract with Republic Finance LLC for a loan of this alleged debt.
On XXXX XXXX, 2015, I have written Republic Finance LLC in regard to my dispute and validation of the debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and have requested that Republic Finance LLC provide me with competent evidence that I have any legal obligation to pay them by providing me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with a copy of the contract that show I agreed to pay what is claimed I owe ; Identify who is the original creditorThis request is being made within 30 days due to a summons filed on XXXX XXXX, 2015. I 've requested under the Fair Debt Collection Practices Act, 15 USC 1692, that Republic Finance LLC, cease and desist all debt collection activities until it validates this alleged claim.
Furthermore, upon review of my credit reports, Republic Finance LLC is reporting this erroneous debt to various credit bureaus as well, in Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of CharacterI further request that Republic Finance LLC, in addition to cease to and desist any collection activities, withdraw any court filings, and remove this erroneous item and update my credit report as soon as possible.
Thank you for your time and consideration in reviewing this issue.
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| 05/24/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
Older American |
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I borrowed {$2000.00} and some cents from Republic Finance , Inc. on XXXX/XXXX/XXXX and they added charges to this account of {$4900.00}. So I received another check totaling {$2000.00} and paid off the {$2000.00} and some cents on XXXX/XXXX/XXXX. This account was for two years and I paid the account off in one year. I made a payment in XXXX XXXX for on XXXX/XXXX/XXXX with the late charges. I made payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and these payment were not on record for {$130.00} which was the late charges also. The payments were for {$120.00}. The company stated that I borrowed {$2100.00} which was incorrect. I paid this account off on XXXX XXXX, XXXX but this was not a settlement. This account was not in collections. I was never told this. I informed them that I was paying this account off early and they put me in collections. I have a zero balance. If they told me at the time in paying off this account, this was a settlement, then I would not have done it. In the credit bureau they are showing XXXX for collection from XXXX to XXXX. I paid this account off a year earlier not in collection but paying off a revolving account. I want the XXXX taken off my account and 60 day past due for XXXX, XXXX, XXXX and XXXX. I received a letter later on XXXX/XXXX/XXXX that this was a settlement but they already had my check. I was not told at the time that this was a settlement and the account was in collection. I did not receive a XXXX on this settlement. This false information is ruining my credit until this date. Had I knew this would be put in the credit bureau as collection and incorrect dates of 60 days past due, I would not have let them deposited the check. I written the credit bureau and talked to a vice president but nothing changed.
|
| 07/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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|
Web |
Servicemember |
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This is my 2nd loan with Republic Finance. The 1st was paid off early. I have paid on this loan about 18 months now. This payment was due XX/XX/XXXX but I didn't pay it on time. However, it was paid before the next one was due. In XX/XX/2018, after several days of calls. I asked for a deferment to get back on track but was told they don't do those but could renew the loan. I told them I don't want to renew the loan. I was advised that is the only assistance available to me. After several days of calls. I told them to stop calling me. I didn't get any more calls until XX/XX/XXXX or XXXX timeframe. I told the same person as before I had told them not to call me. She then said they have to have it in writing. I told her that is not true. She said that is their policy. To have it in writing. I told her fine so when I went in to make the next payment on XX/XX/XXXX I asked for a sticky note and put it in writing. I also put that none of my contacts or my job was to be contacted. She had to check with XXXX to make sure it was acceptable. XXXX told her to put it in my file. However, today I was checking my credit report and saw that they did a hard inquiry on XX/XX/2018. My loan was not 30 days late and to this date has never been 30 days late. There was no reason to pull my credit. I want to know how a company can just pull the consumer 's credit report for no good reason and decrease their credit score. I can to some degree understand the need to renew the loan. That's how they make their money but if someone is truly needing assistance to maintain or increase their credit score, it makes no sense to intentionally harm them.
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| 08/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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|
Web |
Servicemember |
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Republic Finance- terrible collection practices after being served XXXX called work ph, I asked them NOT to call me at work XXXX called work, again asked them NOT to call- threatened garnishment I returned call at lunch from my cell and set up a payment arrangement for XX/XX/2022 XXXX served with legal paperwork stating my debt had been turned over to collections XXXX called work I hung up on them XXXX called work again left message with co-worker ( regarding my delinquent debt ) XXXX Left voicemail stating " PAY UP '' XXXX called work I asked if they had my cell phone they said yes, but, didn't care they would continue to call my work.
XXXX called work stating I had missed my payment and I could avoid garnishment by paying. I informed them I had been served and asked if I made a payment with them how would it affect the court proceedings. I was told " you won't be garnished so just pay ''. I informed her that I was under the impression once I was served I needed to deal directly with the collection law firm. She stated " I don't know XXXX and they will enjoy garnishing me ''.
XXXX Called work I again asked them NOT to call me at work XXXX called work again, I again asked if they had my cell number, she stated she had both and was attempting to collect a debt and would call whatever number she wanted.
XXXX Contacted debt collection atty and was advised NOT to make a payment to them directly and that they should NOT be calling my work after I had repeatedly asked them NOT to. They would contact corporate and see if they could get the ph calls to stop. They are aware I have signed a voluntary payment arrangement.
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| 08/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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As a co-signer on the loan, the primary defaulted ; however, the lending company did not use my driver 's license information ( on file ) to send documents to my address. Instead, in violation of 806 and 805, a sheriff was sent to my place of employment and the summons handed over ( not in an envelope ) to my HR Manager. My personal information was handed over to a third party at my place of employment. I would like to file a complaint since the summons was not sealed and any individual in HR could leaf through the documents and by contacting me at work rather than at home, I consider this a form of harassment.
It appears as though an administrative error occurred during the paperwork process which showed my address incorrect - the house number and street was correct, but the city and zip code was erroneously typed by the clerical staff at Republic Finance. The proper information ( copied on my driver 's license ) was never provided to the Sheriff 's department to deliver the summons. The sheriff was instructed to deliver to my employer rather than contact me at home. As such, the summons was drawn up on XXXX XXXX but the documents not sent to Sheriff until XXXX XXXX - therefore, I have lost my 30 days to respond. As a co-signer, I recognize that I now am responsible and I am willing to make arrangements, but I need to receive the proper notification and have the time to respond. I would like my 30 days back to address the summons and I would like a formal complaint lodged against both Republic Finance and XXXX XXXX XXXX.
Finance Company - Republic Finance, XXXX, XXXX XXXX XXXX - XXXX, XXXX, MS
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| 12/24/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem with the payoff process at the end of the loan
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|
Web |
Older American, Servicemember |
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XX/XX/XXXX obtain personal loan ( {$2200.00}? ) from XXXX XXXX in XXXX, KY. They claim I have 7.5 payments left when I went into office in XX/XX/XXXX. This loan was for 24 months. Interest is high. I pay {$160.00} a month and originally went in office to find how much of each {$160.00} is going towards the principal. They claim they would have to calculate it as their computer only shows payments made. I calculate {$160.00} for 16 months is {$2600.00} paid in, but told pay off I would need another {$1200.00} as of XX/XX/XXXX. If I had paid it off that day would of totaled {$3800.00}. 24 months at {$160.00} would be {$3900.00}, so something funny there. I would save {$71.00} interest for paying off early!.
With this loan life insurance and an auto club was added into as well. ( have viewed comments where this is a common thing they do ) I cancelled both, and was told {$39.00} put back to acct from life insurance and XXXX XXXX. sent me a check under {$200.00} refund. But that was " cash I used '' I was told so I have a suspicion this was additional money added to loan, Then, instead of remainder of policy being cancelled out, they just added refund as additional on top. Suspicions because I am unable to get anything from them. I sent an email to their main office, ( XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX, LA XXXX ) but got an email back stating : Please expect correspondence from XXXX XXXX via certified mail to the address of record. Please let me know if I can assist you further. This was on XX/XX/XXXX.
A note, never been late, always on time, as they take out of bank acct.
|
| 09/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I currently have an installment loan with Republic Finance. On XXXX XXXX a payment was submitted to them in the amount of {$150.00} and on XXXX XXXX the payment was applied to my account. On XXXX XXXX, XXXX I received a credit notification from XXXX and XXXX which stated that my payment was 30 days past due. I reviewed the payment receipt that was mailed to me from Republic Finance which stated that my payment was received. When I contacted them they informed that the payment system updates on the last day of the month which was XXXX XXXX, XXXX. They informed me that the payment did come in on XXXX XXXX but was not applied to the account until the next day. I then asked them why I was reported as 30 days past due when at the time the payment was submitted I was only 22 days past due. Again they told me that the system updates accounts electronically and that they have no control over it when it updates accounts and submits reports to the credit bureau. I informed them that this has happened in the past and I had to file similar complaints in regards to this type of credit reporting. They reviewed my account and then stated that they were not allowed to talk to me about it. They informed me to file a credit dispute, but made sure to tell me that the credit report wont be changed. I currently have a balance of {$400.00} which I want to pay but I feel that if I submit this payment I am worried that t will not be credited to my account correctly which may cause my account to remain delinquent. Republic Finance has a history of not report account information correctly.
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| 03/13/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Charged fees or interest you didn't expect
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Web |
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I contacted XXXX XXXX two months in a row, to see where I stand with paying of my loan. Last month, I was told I have a balance of about {$1300.00}, with a payoff of roughly {$1100.00}. This month, when I called, I was told that I had a balance of {$1500.00}, with a payoff of {$1300.00}. This baffled me, so I requested a payment history showing the breakdown of principle, interest, and late fees. I was told they could send me a payment history, but it would not have a breakdown in that manner because this was not a simple interest loan, like an auto loan. I was confused, because this is the first time I was informed of this. They said they use the Rule of 78, which I had no knowledge of until today. I have been over paying this loan every month, and did not realize, nor was I informed by XXXX XXXX that this was hurting me, by charging more interest. When I applied an accepted the loan, I was told there is no penalty if I wanted to pay the loan off early. That was incorrect, based on the Rule of 78 calculating principle they use. I was mortified. Until today, I had never heard of this rule. So, by paying this loan off early, they are charging me MORE interest than if I followed their payment schedule. Had I been informed of this when I got the loan, I would have never accepted it, or any others I got from this form. I thought I was well ahead to paying the loan off early, to find out on today, XX/XX/XXXX, that I have been hurting myself.
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| 03/28/2017 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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I have a loan with Republic finance. My wife went in to pay XXXX on my account and the cashier charge her XXXX when my wife looked the receipt upon walking out of the door she noticed the XXXX. So she asked the cashier " Whats going on '' and the cashier proceeded to play stupid. At that moment, my wife asked for a print out of my payment history. When l looked over the history I noticed payments lower than I had paid. My account balance is n't right - not even close. I should owe right at XXXX. I found it odd when I first went to make my first payment the cashier told me they do n't take debit. Now I see why because they are beating the customers. I 'm sure I 'm not the only one they are stealing from. The extremely high interest they charge loaning to customers they know will never get out of the loan does n't seem to be enough for Republic finance. Also, I 've never been late. I was told I had a ten day grace period so why is it showing in my faulty pay history as being late. My Balance is far from right and I expect for it to be fixed. I reached out to the corporate office and have yet to hear anything back from them. I do intend to take further action. Republic finance should be fined and put out of business for stealing from customers and luring them into more costly loans. Also I never gave finance Republic to give out my payment history to anyone not even my wife which is also violation since her name is n't on the contract.
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| 11/16/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
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- Struggling to pay your loan
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Web |
Older American |
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I fell behind in my payments and received a consent judgment from Republic Finance. I meet with the manager and we worked out a payment of {$250.00} a month. This was in XXXX XXXX. At the meeting I made a {$500.00} payment cash/check. The payment was suppose to be taking from my checking account or that was what I thought was the agreement. On XX/XX/, I received a garnishment writ concerning I have not made payments. When I talked to the manager of Republic Finance and her comment was I am sorry for the miscommunication. I asked her why no one called and left a message to call, why no correspondence or late notice from the company during XXXX, XXXX, or XXXX. They told me a call was made in XXXX, however when I looked at my phone I received no call and if they did call there was no message to call their office. I have the companies name on my cell phone so if they called it would have pop the name up and if they called and left the message, I would have returned the call. I am fairly sure that I was at least entitled to a phone call, email or even a letter to contact them in XXXX if there was a problem with the payment plan. I would like the CFPB to help me obtain the correspondence that efforts were made on their part before the garnishment was executed. Which is proper collection procedures for any company, bank or credit union. I also want the garnishment withdrawn and a proper payment plan reinstated. Thank You XXXX XXXX
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| 07/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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Of the year between XXXX, my wife and I took out a personal loan with Republic Finance LLC . My wife became deceased in XX/XX/XXXX and I and my daughters were making payments to Republic Finance then I had a XXXX in XX/XX/XXXX and was not working, but my daughters were still making payments. I received a letter XX/XX/XXXX mark dated XX/XX/XXXX, from XXXX, XXXX & XXXX XXXX stating there was a judgment placed on XX/XX/XXXX, in favor of Republic Finance L.L.C. I was not even aware of a court date due to having XXXX XXXX XXXX in XX/XX/XXXX and never received a notice to appear for said court date. On XX/XX/XXXX, I reached out to XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. requesting the report of the delivery notice to appear for the court date and the contract between the firm and Republic as I do not give consent for my information to be transferred to a third party. They have not responded even though stating I only had 5 days to respond while taking two of those days for mailing. I also contacted the XXXX XXXX branch of Republic Finance on XXXX XXXX XXXX request that I receive my loan agreement and initial was told that a manager would have to be reached or I would have to get it from the attorney, which I requested to speak to the manager because my loan agreement should be delivered upon request as it contains my name and my social security number. I was finally told I can pick on my agreement on XX/XX/XXXX.
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| 02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Republic Finance # XXXX I have sent XXXX and Republic Finance several letters over the last XXXX months in XXXX and even one in XXXX of XXXX requesting validation of a debt. I included my name, social security number, date of birth, address and telephone number. It has been well over 6 months and I have not received a response back. I sent at least 6 letters to XXXX XXXX XXXX. XXXX . XXXX XXXX, GA XXXX starting on XX/XX/XXXX requesting validation of debt. I include my name, social security number, date of birth, address and telephone number. It has been well over 6 months and I have not received a response back. Moreover this account is reporting errors that seem suspicious how can you have different date last active? and date of last payment when the account is supposed to be charged off? Republic Finance has been re-aging this account which is a violation of my rights. XXXX has been reporting this wrong information every month since I found out about this account which is horrible and I need to understand how they can do this to me?
Again, I previously submitted letter after letter to have this looked into. I requested assistance from CFPB in obtaining loan paperwork with terms and conditions. I indicated that I had previously attempted to resolve it. Republic Finance Still has not provided the loan terms and conditions as promised directly associated with my social security number, loan number.
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| 04/22/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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I took out a loan in XXXX of 2021. I made my payments on time every month. There is a 14 grace period. My loan payment was always made within this grace period. The payment is due on the XXXX and they start calling on the XXXX. Even though the grace period is 2 weeks out. I have always answered and told them when I would make the payment. In XXXX I had some car issues and Since then I have had to make the payment towards the end of the grace period. I explained this last month. I scheduled a payment through the office. The next day they called again because they forgot or did not note the account. I asked if it would be possible to move my due date and he said it would not be a problem. He would checked it. He stated he could change it and said he would mail me a confirmation. Never received the confirmation. My mail has been messed up for months so I just assumed I didnt get it. Here comes the XXXX of XXXX and I have received 25 calls. I didnt answer because again this is a failure on the part of the business. I am not sure if they just lie, and say whatever? If they just dont do the job, or what the issue is. Today at work I received a threating message about sending me to court. Mind you I am not even 30 days late. I took a second job and awaiting my pay to make the payment on Monday. I called back and as always it went to voicemail. I left a message stating I would make the payment on Monday.
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| 04/25/2016 |
Yes |
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Web |
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Hi, my name is XXXX XXXX : I am filing a complaint against Republic Finance of XXXX Louisiana : Today I contacted XXXX Credit Bureau Agency ; And the representative made me aware, that Republic Finance, was showing opened on my credit file, as of XXXX/XXXX/2016, I disputed it with credit bureau ; because It 's not my account ; Whenever I had previously disputed this company, they provided XXXX with information saying this was my account. My ex-husband told me numerous of months ago this account was closed : so I followed up and ask XXXX XXXX, the manager at XXXX. La XXXX, and he told me that the account had closed, and that he had reported this to the credit bureau. So whenever I was told the account was still showing opened at bureau ; I once again contacted XXXX XXXX, and he made me aware that the account was refinance ; he told me that he could n't talk to me about the account ; I then asked him, how can you not talk to me about my own account, he refused : without my knowledge he refinanced the account, and told me false information, that he had told the credit bureau that the account was closed. XXXX XXXX fradulent removed my name from account, and did n't bother to report the closing of account to bureau, after I had contacted him to ask him to please close, delete or remove from my records. I feel like XXXX XXXX does n't like me because of my race, he also hates me because I am disable.
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| 04/03/2023 |
Yes |
- Debt collection
- Payday loan debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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|
Web |
Older American, Servicemember |
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1. Opened Account with Republic Finance on XX/XX/XXXX, Republic sent me {$2500.00}, check in the mail. APR 12.00 per cent. Paid off in 12 months.
2. Covid-19 hit Louisiana in XX/XX/XXXX, Unable to work at XXXX XXXX XXXX XXXX and XXXX halted my new business plans to a standstill.
3. New loan approved, renewed 2 or 3 times, loan dates were XX/XX/XXXX to XX/XX/XXXX, balance financed was {$8200.00} and total note was {$12000.00}. Noticed a change in property used as collateral, portable building was added that my XXXX owned. Suspected Fraud and mentioned to Branch Manager, he stated I needed more collateral even with a XXXX Score of XXXX. Received constant harassing collection calls. My family was bombarded with calls.
4. Enrolled in Debt Relief Program, XXXX XXXX with Republic Finance as a creditor. XXXX XXXX, who told me I was a great customer, would not agree to be listed as a creditor. I filed a complaint to the Louisiana State Attorney General 's Office. The AG 's Office stated this was not there jurisdiction and suggested I get my own Attorney.
5. Republic filed suit in Civil Court on XX/XX/XXXX. The Branch Manager was a no show, Republic charged the Debt off on XX/XX/XXXX. I made a Motion to Compel Arbitration from the Judge and it was granted. As of today 's date I am in Arbitration Proceedings with XXXX XXXX XXXX and Republic Finance.
Regards, XXXX XXXX XXXX
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| 03/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am so displeased with the way my information was used by Republic Finance. I am very distressed and emotionally distraught because I was trying to buy a home for my family, and I got denied due to damaging, inaccurate and incomplete information being reported on my Consumer Credit Report. This is a defamation of my character, and its hindering my success. I take my livelihood very seriously, and I expected you to do the same.
According to 15 U.S. Code 1681, you are supposed to promote fairness and accuracy on my Credit Report. But all I see are Fraudulent, Unauthorized, and Unvalidated Accounts. I was a victim of the data breaches with XXXX and XXXX, so at this point, you really should be protecting my privacy. This is XXXX to my emotional and XXXX health and well-being, to the point that I had to have my pastor pray for me several times.
I dont have access to safe, affordable housing now, because you are violating my rights and privacy with this inaccurate reporting. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, no Data Furnisher should be reporting any inaccurate, incomplete or unverifiable information, because this is negligent and willful non-compliance. I need help now so I can proceed with buying me and my family a house, as this is negatively effecting my livelihood.
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| 04/02/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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On XX/XX/2020, I pulled my annual free credit report. to make sure all was in order. I noticed that Republic Finance had a Hard Inquiry on my report that I did not authorize. Right away, I called the number that was listed ( XXXX ) XXXX and left a message. This was their corporate headquarters. I called again on XX/XX/XXXX because I had not gotten a call back. The person answering the phone said someone in compliance would have to call me back. I did get that call later that day. The Representative told me that they were allowed to pull my credit. I asked her where that was in writing because I never received anything with that language. I I asked her why was I not mailed anything as a result of them pulling my credit. She said she does not know why. She this had happened before with others and had been noted but I would need to dispute this at the Credit Bureau then they can investigate this process. She mentioned that their system does not distinguish between Hard and Soft inquiries. Someone from the local office called to see if I wanted more credit from them and said no and asked her why was their a hard inquiry on my credit. She said it was their policy. I asked her to send me a copy of that policy. I have not hear back from her. Spoke to XXXX today and was told they can not dispute Hard Inquiries.
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| 05/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
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|
Web |
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Loan for {$5000.00}, {$900.00} carried from existing loan overand added to new, Made a total {$5900.00} on loan. No early payoff or penalties.fees, even asked again when I tried paying it off! Been paying on new loan for 10 months at {$280.00} a month. Called beginning of XX/XX/2023 to payoff loan in full with {$5900.00}. I was told I would have to pay {$6200.00} or $ XXXX phone not sure, i was upset, but itcwas over the original ammount. I said I have {$5900.00} the whole loan that's it, you've received XXXX for 10 months and he said that hasn't even started paying on the loan thatci had just been paying interest! My response was, well loan was {$5900.00} I'm offering u the whole amount. He said no he would write it as a charge off it I paid the {$5900.00} and no more. Republic finance in XXXX.
So called another location to get it resolved, they could not get into my account for some reason to handle the issue.
This company also told me they could not have access to my bank account unless on auto pay, but they did and quoted charges I had on my bank statement. Now they are calling me for the XXXX payment again!
Spoke with another person finally and a month later are willing to take the {$5900.00}!
I don't have anymore what do I do. I've been working on my credit for years now this. Please help.
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| 02/12/2019 |
Yes |
- Debt collection
- Other debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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|
Web |
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I was lied to summer 2018 by XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, about them refinancing a loan to make the interest cheaper and it only made the loan payment higher and interest higher. This was misleading information from the start. On XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX placed a new inquiry on my credit report and I did not apply for a loan or give them permission to run my credit. I know this is against the law.
Prior to XX/XX/2018, I contacted XXXX XXXX and they contacted my references inferring to them with letting them know I owed a loan. I contacted them about the loan and advised them to only contact me and they still made calls to references. I sent them a certified cease and decist letter to everyone but me. I advised them in writing of how I was going to pay them monthly.
I requested to have added features taken off the loan which was supposed to be removed to bring down the monthly payment to make the loan affordable and they did not remove the fees. I sent them a letter in writing and been sending them at least {$150.00} a month for the loan. They sent a letter as if they were going to take off late fees if I paid monthly and they have not been trying to help with lowering the payments even after they said they were going to help.
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| 05/09/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
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|
Web |
Servicemember |
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Good morning, I have been reaching out the Republic finance here in XXXX, ga where I initially received my loan of {$5000.00} over a year ago. I have never missed or made a late payment. As of the last two months I have been reaching out to the loan company to speak with a manager because my sole income of being a 100 % service-connected XXXX veteran has changed and that I was struggling to keep up with the payment as well as I have been living on the streets since XXXX. They refused to work with me but constantly offering to give me more money. Of yesterday the number that I usually reach them on is now disconnected. Additionally, most times I pay more than what is due and currently my balance is still sitting at {$5600.00} on a {$5000.00} loan, The second problem is that they are reporting that my original loan was {$7000.00} and This was the first I heard of that was from the credit bureau, and lastly, yesterday my credit score dropped because the credit reporting agency said that my score dropped because my balance with XXXX XXXX has increased between XXXX and XXXXXXXX XXXX XXXX. I googled the headquarters and was able to connect with them but after speaking with XXXX XXXX I was constantly transferred to different extensions that would ultimately end in the call being drooped every time.
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| 09/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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Republic Finance reported two XXXX to XXXX identifying my account as unrecoverable. I was under a payment arrangement with XXXX when Republic Finance pulled my account back. It then was transferred to XXXX. Once transferred to them, there were multiple issues with them setting up the payment arrangement I made. Once they could finally get that straightened out Republic Finance reported my account to XXXX as unrecoverable. I've been paying on this account for over a year with monthly payments- so how is this not recoverable?
Why are there XXXX separate tradelines on this XXXX account? I was just about to refinance my mortgage but because of this incorrect and willfully negligent credit reporting of the account my score has dropped over XXXX pts.
I called the company and asked for my agreement and they told me I had to physically go in to a branch to get a copy. I asked how to submit a complaint and they told me to send a fax ( c'mon its 2023 ) or mail it to the local branch. I tried speaking to company reps- XXXX and XXXX and was appalled at how rude they were - XXXX actually had the audacity to tell me " you're being ugly, '' simply because I was asking questions. I'll also be reaching out to the Texas XXXX because this company 's practices are attrocious.
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| 05/14/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
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I was sent a check in the mail offering me a loan with XXXX XXXX, around XX/XX/XXXX. I cashed the check in of XX/XX/XXXX, started my monthly payments in XXXX of {$150.00}. I got with a debt consolidation company called XXXX XXXX XXXX to help consolidate my debt around XXXX or XX/XX/XXXX. The following account with XXXX XXXX was added to the debt consolidation. I didn't make payments with XXXX XXXX moving forward, however I went to court for the account with XXXX XXXX to agree upon moving forward their payments will be received from XXXX XXXX XXXX. I have documents showing payments being made to them timely and a pay off date. I have been harassed about payments from XXXX XXXX, which they have indeed been reviving from XXXX XXXX XXXX on time ( I have documentation ). XX/XX/XXXX the account for XXXX XXXX was paid off in full thru XXXX XXXX XXXX. But now XXXX XXXX has been adding derogatory remarks to my credit report, and building late fees to my credit report, and not once XXXX XXXX have reached out to me regarding the amounts added to my credit report. Will upload a few documents showing proof of payments, and can provide more documents upon request. XXXX XXXX XXXX can be contacted also for proof or my lawyer with XXXX XXXX XXXX.
|
| 08/11/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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Republic Finance reported that the account was more than 30 days past due. Payments on this account for the regular monthly payment of {$350.00} have never been 30 days past due. My final payment was for any late fees acquired on the loan throughout the 2 years that I have been making payments. I have proof that every regular monthly payment has been made and never 30 days past due. They have always been made within the month they were due. I have called and was told that the only person to help wouldn't be in for a week and then I should have made the payment for any late fees with that last payment and the late fees are considered past due. If the regular monthly payment has never been 30 days late I can not be punished for making my final payment of late fees within that next 30 day window. There was never any indication through their online site or through phone calls or mail that if the late fees were not also included in my regular monthly payment that I would be reported negatively to the credit bureaus and have my score drop over XXXX points. I have a pdf and print copy of my payment history including where i made the payment for the late fees within the month that I would have assumed they were due which was XX/XX/2023.
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| 10/18/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
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Dear Sir or Madam, I did not receive my student loan for XX/XX/XXXX8. I received checks in the mail that said sign it and the money is yours. I was in a rough spot and still am but I needed the money to keep going to school. I have contacted the loan institutions and asked for a lower payment and interest charge. They ( XXXX and XXXX XXXX ) are currently charging me 48 % and 79 % interest, respectively.
They will not budge. They offer to let me borrow more money to pay the loan but that will not help. They are only sending out these checks to poor neighborhoods.
I do not know if there is anything I can do but feel it should be reported as predatory lending practices.
XXXX XXXX - {$1900.00} loan ( 48 % interest ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX : XXXX XXXX , XXXX XXXX & XXXX XXXX ( {$920.00} loan - 79 % interest ) https : XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX For the record I have contacted all other reputable credit card companies and they have worked with me to reduce my payments and interest temporarily. None of them had the high interest rate that comes close to the two companies above but they were all willing to work with me to help me resolve my debt problem.
Sincerely, XXXX XXXX XXXX
|
| 11/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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This is in regards to the response to my fourth complaint regarding Republic Finance and credit reporting. In XXXX XXXX XXXX a complaint was submitted regarding Republic Finance reporting a delinquent payment status on my account. After the complaint was resolved Republic Finance sent me a letter stating that they would waive all late fees. In addition to waiving the late fees the letter stated that the payment status would remain delinquent unless that remaining balance was paid in full before the XXXX XXXX, XXXX due date. The letter also stated that the payment status would be adjusted and reported as current if the payments were made on time. Two payments were made in the amount of {$120.00} and {$120.00}. Both payments were submitted via XXXX XXXX XXXX check and cleared my account on XXXX and XXXX respectively. On XXXX XXXX, XXXX Republic Finance reported to XXXX and XXXX that my account was paid in full but still reported the account payment status as delinquent for the month of XXXX XXXX. My account was paid in full before XXXX XXXX, XXXX due date and my bank account statement will show that the checks presented for payment were cleared before the end of XXXX XXXX and before the next due date of XXXX XXXX, XXXX.
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| 09/13/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
When I originally applied for the loan at Republic Finance, in XXXX, GA, on the application it asked and I wrote, that I did not want to be contacted at my place of employment regarding the loan or any additional offers from that company. Despite my written notification I am constantly called at my place of employment regarding my loan. Sometimes on a daily basis and at least XXXX times a day. The repetitive calls from them obviously implies to my employer and coworkers that its regarding a debt.
Ive always notified Republic Finance in XXXX, GA, that I would be paying late and Ive always notified the company of my estimated late payment date. In addition, when Ive paid my monthly payment late, Ive always paid the penalty late fee. But despite my efforts, the company has continued to call my job and harass me at work even when notified that I will be making a late payment and paying the late fee.
I have notified them verbally ( over the phone ) on XXXX separate occasions not to contact me at work. The company ignores my notifications and continues to call my work number. Theyve used the excuse that the person contacting me at work is either a new employee or was not aware of my request to not be contacted at work.
|
| 03/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
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On XX/XX/2023 Republic Finance contacted my mother at work in Vermont, and told her I had a debt with their company. The representative gave her the exact amount of my loan and collected a payment for the loan as well. He told her he could help me lower my notes to get on track with my loan. I never gave the company permission to contact anyone with the details for this loan.She is also not listed as debtor on my loan. I am aware that this is not legal practice. I also asked the company to work with me on lowering the loan payments so I could pay them before the loan was defaulted to the current extent. I was told that I had to pay a full payment before they were willing to do so. I could not make said payment. My mother called me to let me know she was told about the loan, after she got off from work at XXXX central time, and that she paid the amount requested. They collected a payment via phone at XXXX XXXX, theres documentation to confirm the payment and that this incident took place. The money was paid from my mothers bank account. They were not authorized to collect any money from anyone other than myself. According to federal law they only have the right to ask for ways to contact me to collect said debt.
|
| 12/06/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I took out a loan with Republic Finance. I tried to work with them. After, some time pass by I did not hear from Republic Finance. I assumed that the debt was written off. Two years passed by and I was notified by Human Resources that my wages were being garnished. Republic hired a collection agency by the name of XXXX, XXXX, and XXXX. I was never served any papers to appear in court. After, receiving the copy from my employer of this garnishment I reached out to XXXX XXXX his assistance spoke to me. He was very rude and unprofessional. In addition, I explained I moved and had certain circumstances that took place in my life including a divorce. No sympathy or compassion. Remind you this company makes you pay insurance on this loan. In addition, they are taking out 25 percent EVERY PAY CHECK!! I do not make much from my company. As a XXXX XXXX this is a hardship. They are taking almost half of my salary. In addition, they added collection fees, court cost along with other bogus charges. I need some form of assistance. Also, I advice anyone I REPEAT DO NOT DO BUSINESS WITH REPUBLIC. There collection agencies will milk you dry, lie, and use all types of unethical procedures to collect monies from you.
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| 03/05/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
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Again I making another compaint against Republic Finanace regarding there reporting to the XXXX major credit bureaus. On XX/XX/2017 I was notified that My Republic Finance account was 30 days late for the month of XXXX. A payment was made via telephone on XX/XX/2017 which took approxiamtely three days to withdraw from my account. At that time my account would have only been XXXX days past due. My account payment is due on the XXXX day of the month which means that on XX/XX/2017 I would be considered XXXX days past due. I made a payment in XX/XX/2017 that took approximately that posted on XX/XX/2017 to bring my account current and if I was delinquent at the time it would have reflected on my credit report for the month of XX/XX/2017 as XXXX days past due but I was reported as being current. In previous conversations I was informed by the main office that they report account status at the end of the month, whch clearly states they are disregarding federal reporting rules and regulations when it comes to reporting account information to the FCRA 's. As of XX/XX/2017 my account is XXXX days past due and if I submit a payment before XX/XX/2017 then my account would remain still be in a current status.
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| 01/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
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I was contacted at my new place of employment, but was busy at the time. My coworker took a message. The name XXXX was left and a number. My coworker asked if it was a business call or personal call because we can not accept personal calls while at work. XXXX said it was business. Im a branch Manager, but didnt get around to returning XXXX call. The next day I was out of work, and XXXX called. My coworker told XXXX I wasnt there. XXXX asked to speak to the manager, and my coworker explained that I wasnt in. XXXX then began harassing my coworker for more information as to contact numbers within the company that my coworker doesnt have access to being I am the branch manager and those needs are handled through me. XXXX also explained she needed to speak with me and left the name of her company. This was not only embarrassing, but hurtful to my employment being I work in money services and have had the same debt collector call consecutive days. My cell phone is not out of service, and my voicemail is set up and not full. I have been reprimanded at work for not only having personal calls come through, which XXXX was deceptive about on day one, but for having my coworker feel harassed on her job.
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| 10/02/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
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|
Web |
Older American |
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On XXXX XXXX I received a call from my brother informing me He recieved a call from XXXX XXXX requesting that I contact them. I called them immediately and spoke with XXXX the branch Manager. I let him know I was extremely disturbed by them contacting my brother getting him involved in my business especially when the payment was only about10 days late. He proceeded to inform me I was late on my payment and wanted payment today. I explained I was not able to pay today and he demanded it must be paid by XXXX XXXX. On XXXX XXXX XXXX the branch Manager contacted me and I told him I was not able to pay it today and his response was " we don't want your business as you are always a few weeks late on your payments. You need to go to XXXX XXXX XXXX and get the money to pay off your account ". I was shocked when I heard this. On Monday XXXX XXXX I went to the office to meet XXXX and when we met I let him know I felt like he owed me an apology for treating me so disrespectful. He responded rudely and arrogantly stating we expect people to pay their bills on time. I have never been treated so disrespectful by a company that I am doing business with. He did his best to make me feel like a low life bum.
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| 04/27/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
Rebuplic Finance has violated my rights as a consumer by using unethical and predatory loan practices during the Covid-19 pandemic. My hours were cut at my job and I informed Republic Finance of my financial distress and uncertainty of my income. Not only did they call 2 times a day requesting payment but they also sent multiple letters requesting payment that led to additional emotional distress for me and my family. I have made on time payments since my first payment on XX/XX/XXXX. I called to request a relief due to loss of income and was told that the only relief that could offer was a one time reduction in payment that had to be paid right away on XX/XX/XXXX. I explained that I didn't have anymore income to replace what I had in my account and was told they only have that solution. The loan is predatory in nature with a 39.180 % interest rate and I had to list the televisions in my home as personal property collateral. Republic Finance has engaged in enfringement on my right to privacy, harassment from the multiple calls and request for payments. Statements from company were false and misleading and the constant communication has led to undue emotional distress.
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| 05/02/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
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Last year my XXXX son was born and XXXX XXXX sent me a live-check in the mail [ I did not apply for a loan - somehow they knew that I desperately needed extra monies ... ] that I deposited into my bank account because of financial struggles that I was, and still am, experiencing. I thought I correctly enabled automatic payments to be issued from my bank but clearly that is not the case. Today I received notice from my employer that my wages will be garnished per a small claims judgement that was made without my knowledge or consent. To this day I have not received any notice from XXXX XXXX OR the local court of these above mentioned court proceedings. I never received any type of phone calls or letters regarding default payments, court summons, court date, etc. Given the opportunity I will gladly work with XXXX XXXX to set up for payments to be automatically drafted from my bank account and mailed to them on a monthly basis in the form of a check. I feel it is unfair to me, as a consumer, for the loan company to take this kind of action without first talking to me and making me aware that my payments have not been going through to them.
|
| 09/30/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
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My sister died of XXXX XXXX fell on hardship paid the company back was only two months behind they used collection tactual adding high fees and put in court as I found out from a phone call only after they had already taken my money to catch up on the debt. Then I was told by XXXX that besides those payments should never have been accepted and they want the entire monies and court will continue. Her name is XXXX phone number is XXXX ext XXXX She also inform me that nothing would stop even after I had gotten the payment caught up. She continue to enforce courts by saying the represented that took my payment over XXXX had told me I could continue my normal payments no one ever told me I was getting sued instead they took my money and said payments could continue XXXX XXXX said they was wrong and should never have taken my money and applied it. The unexpected cost of keeping my sister child and taking over her expenses made me behind I caught back up company took payment, then I was told by the rep that they was wrong for taking payment and they will continue harsh collections on the balance. She has cost me my job.
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| 08/22/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
|
|
Over rated threatening phone calls, Highly Intense harassment, Also Reporting late payments and or Reporting any debt on one 's credit report without consent or their knowledge, is a violation to the consumer rights, I acknowledge late payments are not a criminal act, I acknowledge UCC 1 308 I can't be held accountable for all debts that I have accumulated under my social security number unconsciously, I've ask these debt collectors not to call or harass me in any further.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Republic financeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that all addresses and said debts late payments, inquiries be permanently removed from all 3 credit reporting agencies, XXXX, XXXX, and XXXX according to the law and rights, 15 UCC 1666B, 31 USC 3123 , 15 USC 1602G , 15 USC 1681 B. I am aware all depts are prepaid, 18 USC-8, US government pledged to pay debts 13 USC 3123, therefore the consumer can discharge debt and it doesn't have to be in legal tender see 31 USC 5118, I , the consumer didn't give any debt collectors permission of a court of competent, 15-USC 1692 A-P.
|
| 04/14/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
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On XXXX XXXX, 2023, I sent a notarized affidavit to Republic Finance , LLC citing several consumer law violations that I found regarding their business practices and personal loan services. These violations include false representation of the character and amount of debt ( 15 U.S. Code 1692 ( E ) ( 2 ) ( A ) ) ) and billing errors ( 15 U.S. Code 1666a ) ). I am aware that according to 15 U.S. Code 1692 that where applicable, and falsely billed amounts and debts shall be applied in accordance with my directions. Based on consumer law, I am legally entitled to request remedy for any amounts that I believe were erroneously billed. Republic Finance , LLC responded to my affidavit of consumer violations with a non-notarized letter created on XX/XX/2023 that does not prove validation of debt and neither rebuts or refutes my affidavit with an affidavit in return. I am aware that until Republic Finance , LLC rebuts my affidavit with a corresponding affidavit, that my belief that my consumer laws were violated stand undisputed and that without official rebuttal via notarized affidavit, they have in fact defaulted.
|
| 10/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Republic Finance did not inform me that insurance was not needed to secure loan but Republic Finance used my need for the money and/or fear of not getting loan against me and encouraged adding insurance to loan Received check for XXXX, amount financed XXXX finance charge ( dollar amount loan will cost me ) XXXX but amount of debt totaled XXXX If I do not try to pay off sooner will end up being charged XXXX, XXXX Republic Finance practices encouraging insurance and motor club as it jacks up debt owed I signed and submitted document within 30 day limit to cancel insurance amounts of XXXX XXXX XXXX which totals XXXX Republic Finance refuses to remove these insurance fees from my loan amount Republic Finance also refuses to remove car club XXXX from my debt as I cancelled this service as well within 60 days I asked if Republic Finance accepts lump sum payments that are applied towards principal only and Republic Finance responded " NO '' In my opinion all the practices I have outline make it next to impossible to pay off debt sooner and this company is out to GOUGE you not HELP you
|
| 09/28/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They are claiming that I had taken out a loan with them via check approximately on the date of XX/XX/2021. The simple truth of the matter is, I was not even in the location, that they claim that I was in, due to a rodent infestation. I never had dealt with them before, didn't know who they are now, until they started calling me XXXX times a day. They call at dinner time, morning time, and at any point in between. All of this is in violation of the federal fair debt collection practices act, as well as the Texas debt collection practices act. They do this, despite me having informed them that I'm an attorney, and am asking for evidence of this. Moreover, they continue to contact me after they know that they have spoken to my attorney. Indeed, they continue to call me, after I have said that I am invoking the federal fair debt collection practices Act requirement that they validate the debt, which they have not done.
They call me at all hours and multiple times and they are violating state and federal law. I feel this is now necessary to report.
|
| 12/21/2018 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I fell behind on the payment because I simply forgot about the loan. Didnt receive notification that the company stated that they sent me. I ended up getting a summons to go to court. I contacted the company and made payment arrangements and was told the court date would be cancelled. This was on XX/XX/2018. I payed {$500.00} and told the manager that I would pay {$400.00} in 2 weeks time. She said that was fine. In less than 2 weeks I made that payment and was told the court date was cancelled. 3 months later I find out that they had not cancelled the court date after all and the agreed amount payment of {$1300.00} keeps changing. To pay this off I ended up paying a total of {$1800.00} which was {$500.00} more than I agreed to pay. I requested several times for a list of fees and what was I was being charged for or a copy of the judgement against me and was declined everytime. I was hung up on twice after asking what I was being charged for. I just finally paid this because I didnt want any more interest to acrue, but I think I was scammed.
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
A dispute was filed with XXXX and XXXX informing them they are furnishing inaccurate and incorrect information on my consumer report and that the reporting of the inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes, and the reporting of this inaccurate information has damaged my livelihood. The IRS clearly defines a charge-off as Gross or Ordinary income. Income does not get reported on the consumer report which in fact makes the reporting of the information to my account inaccurate! By Definition, The IRS Clearly says a Cancelled debt or Charge Off ( Certificate of Indebtness ) is Income. Reporting this account as a debt is inaccurate. 15 U.S.C. 1681 section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 reads that a consumer reporting agency can not furnish an account without my written instructions. The charge-off accounts on my report are as follows : REPUBLIC FINANCE Account # XXXX
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
This letter is to inform you that I still dispute this public record. After not receiving your response to my original dispute letter, I contacted the original creditor who was unable to verify this account as mine.
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt.
Because I still consider this public record as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this problem.
I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls.
|
| 04/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
In XX/XX/2019 I placed a complaint on Republic Finance website about them calling my job and I asked them not to call my job it was embarrassing. Someone called me back several days later I think his name was XXXX and he said no one would call my job again and I could do my business in the XXXX XXXX office instead of XXXX. Well in XXXX someone called my job and again on XX/XX/XXXX. They said they were calling to verify employment for garnishment. I was only one payment due not even 30 days. Then today XX/XX/XXXX someone called again from XXXX. My supervisor is the one who answered the phone which was completely embarrassing and I feel like it is a privacy violation because now everyone at my job knows I have a loan with them and is obviously past due. This is why I asked for them not to call my job the 1st time by phone and by the online complaint. I told the woman that called today that I have asked them several times not to call my job and she basically kept on and would not end the call, I had to hang up on her.
|
| 03/31/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
Iam on social security and I receive {$430.00} social security and in XX/XX/XXXX I received a check in the mail for {$2700.00} Now its {$5000.00} with 40 percent interst rate XXXX XXXX. I thought it was fake but the bank cashed it. they actomatically withdrew {$140.00} than the next month I have been going with food and late on my bills during Covid 19 I paid until I idnt have the money, they kept calling, and let me skip one payment than they just sent court papers asking me to send them proof of why I cant pay them are they will send me to Jail Im so so afraid please please help me. I have been in the hospital XX/XX/XXXX for an XXXX.streesing on how to pay my bills, they have calledme and I dont have the money my electric bill is {$600.00}, and water bill all bills are behind, and they are going to have me locked up over a check I nevr applied for are had anything to do with accepts think it was help with bills.the collection comp is XXXX, XXXX XXXX XXXX, XXXX XXXXAttorney XXXX XXXX XXXX # XXXX XXXX
|
| 06/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I had my credit report pulled from the credit bureaus, to see what was on my report for monitoring purposes. I noticed that there are multiple accounts reporting different negative information from a company called XXXX XXXX XXXX XXXX I have only had one account with XXXX XXXX and that account was paid in XXXX of XXXX. Currently, XXXX XXXX is reporting information such as late payments, settlement accepted, charged off, bad debt and placed for collection and skip all for the same old account. I sent XXXX XXXX a validation of debt certified letter on XX/XX/XXXX. While I did receive a response letter within the required 30 days, the letter stated that my letter was rejected as a formal compliant and no investigation would occur. The letter also stated that I was free to go into XXXX of their locations if I had additional questions about my account. At this time, I am seeking assistance in having XXXX XXXX removed from my credit reports due to multiple erroneous account reporting of a single old account.
|
| 05/09/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
This is in regards to open complaint # XXXX.
XXXX XXXX has been calling my place of employment and releasing very sensitive/private information [ regarding wage garnishments ] to coworkers of mine when they should ONLY be speaking to my superiors [ i.e. HR manager, Payroll Department manager, etc. ].
I now have coworkers approaching me that are now fully aware of my wages being garnished and it is very embarrasing and quite frankly a breach of my privacy as a consumer.
I am at risk of losing my job because of the careless actions/practices of XXXX XXXX and their affiliated 3rd parties [ i.e. Careless phone calls from XXXX to my employers office ; Process server whom recently left sensitive documents/information EXPOSED on the floor of my front porch without first placing it in an envelope. Made absolutely no efforts to see if anyone was home before leaving these documents on the ground ].
XXXX XXXX is literally ruining my life as I know it with their careless malpractices.
|
| 11/07/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I opened a Republic Finance account on XX/XX/XXXX. Unfortunately the account when to collections, and after saving money I paid it off in XXXX, and the reporting stopped. In XXXX, I noticed that a XXXX Republic Finance account appeared on my credit saying I owed money for a new location, and I tried to dispute it. I reached out to Republic finance to show that it was paid off and that it should be removed from my credit. After a while of trying to get it removed and correction with Republic Finance and the collections, they acknowledged the cleared debt with my bank statements, and I never heard from them again. However, the debt was never corrected on my credit. In XXXX, I started getting more random calls about the debt, so I showed them the exact same documents showing it was paid, then they stopped contacting me, but they never removed it from my credit. Every time I try to contact them about my credit I get no where, and they say they are correcting it, but they haven't.
|
| 04/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company regarding the derogatory information being reported to my credit bureaus. My first Debt Validation letter was signed and received by them on XX/XX/2020. I received no response. I later sent a Non Response letter advising them to delete this negative information from my credit reports as they have not provided any validity that this debt belongs to me nor exists. This is a clear character violation and lack of validation. I have given 30 days to respond regarding my dispute with no proof in sight. How is it possible for them to continue reporting clearly Unverified, Invalidated, and Inaccurate information to my credit report? I am requesting this company to immediately remove this erroneous invalidated information from the three major credit bureaus : XXXX, XXXX, and XXXX. I am also requesting a physical deletion letter be mailed to me directly.
|
| 09/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My " OPEN '' trade-line with XXXX XXXX never gets updated unless a file a credit dispute with consumer reporting agencies. I submitted CFPB complaint XXXX, back in XX/XX/2018, because the trade-line had not updated in several months. Here we are again, several months later, and the trade-line has not been updated since I filed my last dispute back in XX/XX/2018. It seems that they have some sort of systemic issue, which prevents my information from reporting accurately to consumer reporting agencies. My balance is incorrect and date of last payment. According to credit reports I have seen, this trade-line was last updated in XX/XX/2018, again, is when I filed a complaint for the information not updating. XXXX is required to furnish accurate data on my account every month according to XXXX guidelines, and they are failing to do so. There appears to be a disconnect between XXXX XXXX, and CRAs, with respect to updating the trade-line in a timely manner.
|
| 09/19/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Before I became delinquent, I reached out to them earlier in the year, requesting a skip a pay but was informed I could request for more money, or I had to pay them {$100.00} for the skip a pay.
XX/XX/XXXX XXXX from the collection department contacted me to inform me I had past due payments and was inquiring if I could make the payment. I informed him I made a payment on XX/XX/XXXX. He asked when I would be able to make another payment, I informed him I make the payments at the branch, and it did not make sense for me to provide a date ; because they still call and harass me when the payment was received. He advised ; they could call me six times a day to collect due to my payment being delinquent. I requested an itemized statement and his address so I could send a ceased and desist letter of harassment. He stated he could not provide me with an itemized statement, and he did not know his office location.
I had to search for the mailing address.
|
| 07/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Company is reporting incorrect information stating 30 days late when its not.
I make pay more on my loan that was asked. I did also pay two months in advance. I paid off one plane with them and did another under same terms Account Number : XXXX.
Shortly after - Called to get due date changed due to job unemployment. Which they stated if cant make payment let us know. However, republic finance company did not and stated there is nothing they can do to Change the date. Ive consistently made extra payments which is either not being applied to the principal or the next month.
I called manager who was rude to explain, However, he just kep stating that Ive been late.. As for proof of payment history and why wasnt extra money paid in previous months applied to next month or principal.. Also asked for lower Interest rate and they said no. Company does not want a payoff and consistently reporting incorrect information to my credit report
|
| 03/22/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
My complaint is that i owe XXXX XXXX money from a loan that i refinanced. I was late on a payment and they contacted me and i explained .the reason for me being late .i ask if i could work something out with them about the payments. A lady named XXXX said yea sure i just need to get a full payment now. I said thats the problem i cant pay a full payment now. So i told her i will try my best to pay it by friday. She called me friday and ask if i was going to pay. I told her i still cant pay full amount. She got rude and told me i owe the money so pay it. The following monday they contacted my employer asking to speak to me. Concerning a debt. I owe. I was brought in to the office embarrassed. And was ask to contact XXXX XXXX about my debt. And was told not to let a debt collocter call about my finances. Ive tryed to work this out with them cause i do owe the money but they shouldn't use low embarrassing tactics to get me to pay them.
|
| 04/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
It was said that in the event of not paying the loan, the auto that was used to secure the loan ( collateral ) would satisfy the debt ( personal loan ) .The vehicle was voluntarily surrendered to Republic Finance LLC . There is no knowledge of the vehicle being sold or auctioned off. No correspondence has been received nor did they deduct anything from the balance owed. All that I am seeing on my consumer report is interest being added to this account every month. Inaccurate information has been reported on this account since being in collection/ charged off. Disputes have been made with updates only. Republic Finance LLC should be held accountable for reporting false, inaccurate, information on my consumer file. This account has been inaccurate since XXXX. The following laws have been violated : 1681s-2 ( a ) ( 1 ) ( a ), 1681s- ( 2 ( b ) ( i ) 1692d ( 1 ), 1692e ( 2 ) ( a ), 1681b ( a ) ( 2 ). Amount owed {$6400.00}
|
| 02/18/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American |
|
On XX/XX/XXXX monthly payment process over phone {$200.00}, was not pleased with increased balance. Call back and had another payment processed in the amount of {$1000.00} same date. Asked young lady for the remaining balance which she provided with another increase thru XXXX of XXXX.That amount she quoted for the payoff of {$560.00}, which I mail check on XX/XX/XXXX. Asked for a PIF letter from Republic Finance LLC. Young man trying to get me to take another loan and claims I have a small amount remaining. Now this is almost six week that full payment has been received. And with a few choice words informed him they wouldnt receive another dime from me. This is their second time trying to charge more for something that is already paid. And I know this is something they practice with all there customers.. I have proof of payments and this company needs to stop.Republic Finance LLC. XXXX XXXX XXXX XXXX XXXX, XXXX
|
| 04/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I recently sold my home in XX/XX/XXXX. All liens that were against my home was paid off in full before I could sell the home. I opened an installment loan with a company Republic Finance on XX/XX/XXXX. I attempted to do a debt consolidation with a company called XXXX XXXX XXXX XXXX which never solved the issue, in which my Republic Finance Installment loan was sold to a third party collection firm named XXXX XXXX. The original loan amount from Republic Finance was XXXX. XXXX XXXX had raised the loan amount total to XXXX stating that was interest applied to the loan. The payoff date later was good through XX/XX/XXXX, and my home was sold on XX/XX/XXXX. The loan is paid in full, and closed ; but the company Republic Finance refuse to cancel the balance to 0.00, and states charge off on my credit report as if I still owe a payment I have all legal paperwork to include that it was paid off.
|
| 07/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I have had several loans with this company, they sometimes send me a check in the mail. I have cashed before with no problems. This last time I cashed a check, the company called my number I listed on the check but I was at work and unable to answer. I have had my home phone disconnected since the last time I had a loan with them. I did n't even have the opportunity to call them back and I received a message from my sister in law saying she had received a call from this company. My loan is not due until XX/XX/XXXX, this call was made on XX/XX/XXXX. I called them back and the guy tried to make out like I had that number listed as my home number which is a flat out lie! I work finance also so I know the fdcpa laws and references are not to be contacted especially if loan is not past due. I have never been late on my loan. This is unfair debt practices and something needs to be done.
|
| 03/01/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I was out of work for a couple of months and I fell behind on a lot of things and my XXXX XXXX loan was one of those things. Now that I'm back to working I've been trying to catch up. So, on Wednesday XX/XX/2018 I received a group text message from a representative from XXXX XXXX by the name of XXXX. The text message stated " This is XXXX form XXXX XXXX. I have to have one full payment today or collections has requested start of legal process for judgement/wage garnishment. Please call me XXXX '' Although, no names were mentioned in this group message we know with today 's technology it's not hard for anyone to find out who the numbers belonged too. I'm not trying to diminish the fact that I owe XXXX XXXX because I'm well aware of that. I do have a major problem with my privacy not being protected. This issue has caused me embarrassment and major XXXX.
|
| 05/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
These accounts have been established fraudulently without my consent, I have kept disputing these accounts with XXXX, XXXX and XXXX. To this day I have not received any verification these accounts are mine. I request they be REMOVED IMMEDIATELY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
|
| 03/30/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Received a loan you didn't apply for
|
|
Web |
|
|
I was a victim of identity theft. My brother took out a personal loan using my social security number but his name, his ID, his work information, and his own personal address. I have contacted this company multiple times. I have offered to provide them with my ID, my proof of residence, and my work history. I was told they would get back to me. This process began in XX/XX/2017 when I first found out and it is still not settled. I want to respect the process however, my wife and I are in the process of buying a house and " we are waiting to hear back '' from a personal loan company is not what a lender wants to hear when they are trying to extend to us a couple XXXX XXXX dollars but can't because of an account like this. It is clear that my social security and his name are not a match. I need this removed and off my credit report ASAP.
|
| 01/27/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Republic finance sent me a loan before school started in the mail. I did not apply for a loan and I was not looking for a loan. Due to how hard it is to pay for school I took the loan. Due to school I am not able to make payments. Most school loans allow you to make payments after you graduate and make a better income. I feel this company was predatory. I make between XXXX to XXXX a year but, I barely work because I need my grades to be high in order to graduate on time.I attempted to make a low payment online but am not able to. Now they plan to take me to court even though I could make smaller payments like {$25.00} a month or they could wait until I graduate like most actual student loans that students acquire do. This was predatory lending because they know I am in school and have a hard time and may not be able to pay it back.
|
| 10/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
I have been working with a legal firm, XXXX XXXX, to resolve a debt owed to Republic Finance. There was a judgement against me which was handled by Attorney XXXX XXXX phone # XXXX. A payment of over a thousand dollars was made to the office of XXXX XXXX by XXXX XXXX and I made an additional payment earlier this month as agreed. This morning I looked at my bank account and it had been completely garnished, along with my savings, and the two savings accounts of my XXXX adult children.
I have acted in good faith and made every attempt to make payments and resolve this issue. At this very moment I can't even buy groceries or put gas in my car because these unscrupulous people have taken all my available funds. How can I work and function to resolve this when I can't buy groceries or put gas in my car to get to work??
|
| 12/31/2019 |
No |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a live check in the mail from Republic Finance and I didnt cash it. It was picked up by a family member and deposited into her account without my knowledge. I disregarded correspondence with this company because I assumed it was junk mail. Around the time they started legal action against me for a wage garnishment I was the primary XXXX for my XXXX XXXX mother. I dont remember even receiving a court summons. My Mom eventually succumbed to XXXX XXXX and I went back to work and was surprised to find a big chunk of my pay missing. I have repeatedly informed this company that I didnt cash this check and this garnishment is causing me such extreme hardship that my utilities were disconnected and my XXXX year old daughter didnt get anything for XXXX. I cant afford to wait on them to keep investigating.
|
| 04/25/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I got behind on the loan and they had me served with civil court documents. I called and talked with them and was working out a different payment arrangement. I was making smaller payments to them. I was told the process of being sued would be placed on hold. I kept making the smaller payments then about 2 months into makeing the smaller payments i was notified that they proceeded with the lawsuit with no notice i was found in default because i did not appear. Resulting in a lien being placed on my house and they are refusing to subordinate the lien. This company is a snake in the grass. I am willing to work out a repayment plan as long as they subordinate the lien or remove it. I am checking into my options to counter sue because they are going to cause me to loose my house.
|
| 08/26/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
Im not sure on the date the loan was processed but I did get a loan with Republic Finance and the total pay back was XXXX.Im not even sure how I qualified and the lady that closed my loan never asked me about collateral, never tried to update anything, except a paystub. The lady then told me upon signing my paperwork ( and I'm not sure why she would make this remark ) but that they dont take single mothers to court for non payment. After losing my job they of course started to contact my references and told my mother they were going to take action against me. Ive worked in collections and I know that is something you never tell anyone. I know there is no way I qualified for that loan with the income to debt ratio I had and was told they made the loan to meet quota.
|
| 09/14/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Older American, Servicemember |
|
On XXXX XX/XX/XXXX I paid XXXX dollars to Republic Finance. I asked for my receipt to be mailed to meshowing the amount paid on the XXXX and the balanced of what is owed. I have called numerous times and they think it's a joke. They keep telling me it's in the mail, but from the XXXX of XXXX when I paid the XXXX, until now, I haven't received my receipt. When I speak with them they think it's funny. It does not take that long to get a receipt to me in the mail. It is my belief that they are upset because I filed a complaint against them before, and they are refusing to give me a receipt. It has never taken them this long before. I usually get a receipt 2 days after I make my payment. It shows that the money was debited from my account on the XXXX of XXXX.
|
| 03/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Republic Finance LLC illegally furnished information to my consumer report on DATES XX/XX/2021, XX/XX/2021. Every condition under 15 USC 6802 was not met to publish my non public personal information. My rights as a consumer, to protect my non public personal information, were violated by Republic Finance LLC.
Under 15 USC 1681b ( A ) ( 2 ) a consumer reporting agency can only furnish my consumer report if it has written instruction from me the consumer. I have not given consent to any consumer report agency to furnish my consumer report.
Under 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
|
| 08/14/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 07/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Republic finance has repeatedly added fraudulent fees to my account. This account has been closed for 3 years and some but yet every month the credit bureaus alert me that they are adding fees to my closed account I'm looking into this with my attorney because it seems to be fraud. I would like it corrected to the right balance and no more fees added monthly or I will be forced to seek legal actions and go to the XXXX XXXX to file proper charges. After the accident I'm just now starting to work again to pay my old debts but I can't stand by and let the companies ad fees every month that I don't owe. My initial loan balance was {$3100.00} now it has jumped over XXXX since the loan has been closed this is wrong and should be corrected.
|
| 09/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
On XX/XX/2023 I paid my loan completely off and even prior to paying them I received notification from XXXX that I was delinquent on my account which they said they did not submit any late payments on my account. On today which is XX/XX/XXXX, I received another notification from XXXX Republic finance has reported my balance increases and is late which caused my credit to fall from Good to Fair with a point deduction of XXXX points. this is the second time in 6 months that my credit dropped due to their practices. Additionally, I attempted to dispute this situation to XXXX on multiple occasions However, XXXX wouldn't allow me to dispute it saying that I have previously disputed this account and I am not allowed to dispute it again.
|
| 05/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have contacted all three Credit Bureau/Agency ( XXXX ) and the Creditors ( XXXX XXXX XXXX XXXX, ( 2 ) Republic Finance ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
|
| 03/05/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
Republic finance wants me to pay XXXX dollars for an attorney fee to remind me that I'm late on my loan after I already paid a late fee.
The contract doesn't state how many days I have to be late to pay an attorney fee and Republic Finance keeps harassing me over the XXXX dollars attorney fee.
A Republic Finance employee told me on the back of the contract it states " I will pay you all cost you incur in collecting this note '' but I was told by Republic Finance when getting the loan all I had to do was tell them I was going to be late and when I was going to be able to make my next payment but they said the XXXX dollars fee is not on the contract but it doesn't mean I don't have to pay it even after paying the late fee.
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... REPUBLIC FINANCE XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 06/16/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I received a loan from republic finance. I defaulted on the loan because I I fell into financial hardship. I was sued in XXXX and a judgement was rendered to me by XXXX XXXX.This judgement is over ten years old. They have charged me over 10 times the the loan and interest is recurring on interest. As a single mother it is no way I can come up with over four thousand dollars. I will be paying this loan for the rest of my life. I recurred {$2500.00} in interest Thur XX/XX/XXXX which is more than my principal balance XXXX and XXXX in attorneys fees and the more I pay the more my balance goes up. I am near XXXX working 80 hours a wee to keep a roof over my kids head Im almost left no choice but to file bankruptcy
|
| 12/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
|
| 07/28/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I received a loan from XXXX XXXX XXXX in XXXX SC. I was paying my loan faithfully. I also had insurance on my loan. In XXXX of 2014 I had to have XXXX. I turned in all paperwork that was needed to cover the loan under the insurance program. I checked my credit a few months later and the lady at the office told me that it was going to report negatively since the insurance company takes a while to send them the checks and they cant report till the actually receive a check.
That is not fair to me, the consumer. I followed all of the rules, turned in all paperwork on time and had my dr statemts when they were due. I am being charges additional fees due to the insurance company being late with payment.
|
| 11/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have received phone calls and letters regarding a loan that was made to me by Republic Finance in XXXX, Alabama. This loan was made on XX/XX/XXXX in XXXX, Alabama. I have not lived in XXXX, AL since XX/XX/XXXX and was not in XXXX on the date of the loan. I currently reside in XXXX County Alabama. The balance of the loan is XXXX. I do not know where this money is nor where it was deposited, cashed or secured. I do not know anything about it. I went back through my bank statements and there is not a transaction on this date in this amount. Apparently, it was one of those solicitation checks to sign and deposit for a loan. It was mailed to the apartment complex in XXXX where I previously resided.
|
| 05/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting act ; The Vendors/accounts listed below have violated my federally protected rights to privacy under 15 USC 1681 1 ) XXXX XXXX XXXX ( account beginning with XXXX ) 2 ) XXXX XXXX ( account beginning with XXXX ) XXXX ) Republic Finance ( account beginning with XXXX ) 15 USC 1681 section 602A states I have the right to privacy.
15 USC 1681 section 604A subsection 2 states that any company can not furnish information without my written instructions.
15 USC 1681c ( a ) ( 5 ) states that any consumer reporting agency may not report any adverse or negative items other that criminal convictions of crimes which predates the report by more than 7 years.
|
| 08/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Servicemember |
|
I spoke with manger XXXX, AND HE HAS BEEN WORKING WITH ME SINCE I WAS FIRED FROM MY LAST JOB AT XXXX XXXX XXXX XXXX; I WENT TO XXXX office explained to the XXXX manger XXXX, that i got hurt on the job, XXXX XXXX XXXX XXXX XXXX XXXX while i was under a running XXXX XXXX machine, i reported my accident and was fired by the director while I was still under XXXX XXXX, WHICH I AM STILL UNDER XXXX XXXX PRESENTLY XX/XX/2019, MY PROBLEM IS THEIR N.C OFFICE CALLS AND CONSTANTLY HARASSES ME AFTER I TRY AND TELL THEM I HAVE SPOKE WITH XXXX. I AM NOT ONLY TRYING TO GET A BANK LOAN TO PAY OUT MY DEBTS BUT CAN NOT BECAUSE THEY KEEP REPORTING WHEN I AM TRYING TO PAY BEST I CAN WITH NO JOB!!!!!!!!!!!!
|
| 10/11/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
XXXX XXXX amount Financed {$3800.00} for Total payments of $ XXXX.Date : XX/XX/2016. I have constantly requested a monthly statement after payment. I was not informed that I would not received monthly statements that will show my pay-off. Every time I ask for a pay-off amount I receive a different amount according to who answers the phone. One day I went in person and the customer service person gave me the correct amount.However, someone heard him and said no that is wrong. they argued about my pay-off amount. I personally believe XXXX XXXX will not send statements so they can defraud customers on their pay-off amounts. Also, customers should be reminded of their high interest rates.
|
| 05/23/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
I have notified Republic Finance in XXXX multiple times since the beginning of XXXX that I have retained an attorney to file bankruptcy. They continue calling multiple times each week and when I call and give my attorney name, address and phone number the information is taken again. On XX/XX/XXXX I received a right to cure letter and I called again on XX/XX/XXXX and informed them once again I have retained an attorney for bankruptcy and provided her information. Today I have a message on my cell phone from the same individual I spoke with on the XXXX. I am asking that my attorney be contacted and if her information still is not notated in their system I will provide it again.
|
| 06/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Republic Finance -S has violated my right with extremely inaccurate reporting. They claim the account is in charge off after the closing date which none of the 3 bureaus are reporting. they are reporting inaccurate and scattered payments and charge off. the last activity is either missing or different for all bureaus. payment status is incorrect and different with all bureaus of missing information. How is this possible? I've tried to dispute but no one cares. These are grounds for removal. if they don't report the exact same information it has to be removed They also violated my rights under 15 usc 1681s-2 / 15usc 1681 section 602 A / 15 usc 1681 section 604 A section 2
|
| 11/16/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
after recieving a call from the loan company, i agreed to make payments, i made a payment on line after falling behind from being sick. covic 19 came into play at work ours hours was cut. when i got a letter saying they would do a settlement i got the letter in mail so i called and tell me that they had filed a garnishment i explaind that i still had 5 days to take the settlement but the person said it was to late the letter reads lumpsum settlement or term settlement they didnt give me the chance to answer, i explained that i almost lost my home if it was not for the loan modiforcation on my mortage. i didnt think it was right to do me this way since we are under cov19.
|
| 06/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I spoke to the representative at Republic Finance in early XXXX explained that I was having a rough patch and that I would get the payments in as soon as I could. My track record was perfect with the exception of the last 2 months. I will have enough to pay them back in a month, but they don't care. Then after a barrage of calls, I finally called again on XX/XX/XXXX at XXXX. I told them that it was illegal to call me so many times especially after I had spoken to them. They just hung up.
Recent Dates they called : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called at XXXX - told them it was illegal. They hung up They kept calling at XXXX
|
| 10/12/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
Republic Finance calls me everyday, sometimes twice a day and never identities who they are in their voicemails. Addirionally, they call from a different phone number every time they call. Most recently before inquiring about a debt collection, they offered me an additional line of credit as if they were masking the reason for their call. In addition to repeated phone calls, they 've also begun calling me at work as well as calling my family members. I do n't know how they got my brother 's cell phone number because I did NOT give it to them. That is unacceptable. I 've missed XXXX payment. XXXX! They 've called me every single day for a month.
|
| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am filing complaint as I found inaccurate information REPUBLIC FINANCE account. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX.
|
| 10/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
|
| 02/02/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On XX/XX/2019 an associate from XXXX XXXX called my workplace instead of my cell phone. When told that I was with a client, associate preceded to tell my manager details of my account delinquency and payment arrangement. Spoke with supervisor who could be heard in the background stating that she is 'unavailable '. Spoke with manager who's office my account is in. Manager locked my account with notes stating to call my cell phone and not my workplace. Same young lady called my workplace again on XX/XX/2019. Spoke with a different associate at my workplace and gave personal information again about my account and payment arrangements.
|
| 08/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Republic Finance keeps calling my work cell phone even though I have asked them not to contact me at work. I have provided my personal phone number for these calls. Somehow they make the caller ID show that it is my place of employment calling rather than Republic Finance. This has happened at least 2 times and I have asked them not to do this as they are misrepresenting themselves when they attempt to contact me. I was told that they can attempt to contact me in any way since I owe them money. Is this correct? Are they allowed to make the phone call appear to be coming my from my employer 's office rather than Republic Finance?
|
| 07/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Republic Finance has committed multiple FCRA and FDCPA violations by reporting an alleged, invalidated debt on my XXXX, XXXX, and XXXX consumer reports dated as of XX/XX/2021. I have sent documentation showing proof of this inaccurate account that they have listed along with proof of Republic Finance violations via regular mail and via electronically. Republic Finance was already in violation specifically of 15 USC 1692, 15 USC 1681, and 15 USC 6802. But now they are also in direct violation of 15 USC 6821 as they know that they are intentionally disclosing false, fictitious, and fraudulent information to XXXX, XXXX, and XXXX.
|
| 01/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I got a personal loan from Republic Finance in XXXX of 2021 for {$2400.00} and they have to be gouging me with interest. I have made 12 payments of {$110.00} every month, and I still owe {$2000.00}. I should be about halfway done paying off my loan, but I still owe close to the full amount. It is not ok to gouge people who are already struggling financially. On the website, there is no way to view the interest they have charged or see how many more payments I have until the loan is paid off. It will only allow me to see the payments that I have already paid. They are hiding important details about the loan and it is not ok.
|
| 03/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX in XXXX, TN filed suit to collect a debt allegedly owed to Republic Finance m or about XX/XX/XXXX. I was not served or provided notification of a case or a debt held by the agency. A levy was subsequently laced on XX/XX/XXXX. I have contacted the agency, and advised that no notice was left at my residence, nor was any notice received. The biller has refused to provide a detailed transaction summary, verification of debt, or detailed balance. The original biller, Republic Finance did not provide credit for financed insurance policies, and declined to honor a XXXX XXXX XXXX claim requested in XX/XX/XXXX.
|
| 10/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I am enrolled in a XXXX XXXX XXXX program. XXXX, a representative of Republic Finance, is calling my wife and I two and three times a day leaving voice mails and he has been calling my daughter XXXX, at work. She has asked him to cease and desist his calls to her but he ignored her and yesterday,XX/XX/2016, he called her four ( 4 ) times at work!
( She Does XXXX ). When he calls, he does not state who he is with and will not disclose the information when asked. My wife is in poor health, XXXX XX/XX/XXXX from the VA because of my XXXX health.
This Harassment needs to STOP NOW! He has gotten on my LAST NERVE!!!!
|
| 09/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone open an account at XXXX XXXX in XXXX GA in XXXX of XXXX. I did not know of this until they sent me a past due letter in the mail. When I called them they said they sent me a check in the mail and I cases it in Virginia. I never received any check for $ XXXX. They also started I would have to come in and sign doc, then I talked to XXXX and he said once approved they send you a check. I keep informing them I have nothing to do with this account. Also now they are trying to come after me for about {$300.00}. I have nothing to do with this account and want them to remove it from my credit.
|
| 10/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
REPUBLIC FIANCE has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. under section 1666 of title 15 IT STATES THAT ALL may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 03/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Republic Finance filed a wage garnishment against me for a debt that I allegedly owe. This company violated the Fair Debt Collection Act by sending information to a court stating that I owe a debt which violates 15 US Code 1692b ( 2 ). This debt collector also never properly served me notice of the wage garnishment. They also viewed my credit report without my permission, violating 1681b by not providing me with a copy of the credit report and the consumer rights. In violating 15 US Code 1692g, this debt collector never validated the debt before taking adverse action.
|
| 05/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
|
| 02/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
My wife and I separated in XXXX of 2018. I found out in the following months after that she had set up an account with XXXX XXXX which I had no knowledge of and didn't give any permission. I contacted XXXX XXXX about this and the only information I was given is that a " live check '' was sent to the address and was deposited into a joint account which was was closed the day or so afterwards. I asked them how an account with my information was opened without my consent or any signature, and the only comment I received was that they didn't have to have one.
|
| 05/11/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
My problem is the interest rat is 58.99 ( APR ) annual percentage rate, so it has to be divided over the life of the loan, it seems they just add XXXX to the loan amount I received, XXXX . Even with more than minimum payments and an early buyout, they took close XXXX cents. That is almost 100 % APR. My savings even with large payments and buying out 8 payments into a 15 month loan is loan sharking. It seems like funny math and calling it an annual percentage rate. It is Republic Finance XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX .
|
| 08/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I began receiving calls and notices from XXXX XXXX a company located in XXXX Louisiana approximately 8 years ago. The claimed that I had taken a loan out with them in which I had never did. I requested numerous times for them to provide to me paperwork of this loan showing my ID or my signature which I never got. Since then they have been reporting this to the credit bureau which has caused my credit score to suffer drastically. I recently received a XXXX from them for this year which I did not file on my taxes because this has never been my debt.
|
| 08/22/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Republic Finance agreed to a reduced payment amount and but still continued to call repeatedly while I was making payments. They then filed a lawsuit in XXXX while I was paying. They started coming to my Mothers house and They filed a law suit on XXXX XXXX. But was still taking monthly payments. I became distressed due to this. I have a court date for XXXX XXXX. But I would like to be given a settlement option of 50 %. I believe Republic Finance acted inappropriately and improperly. I was paying them monthly the agreed amount of XXXX.
Thank you
|
| 01/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Older American |
|
Hello XXXX Republic Finance company in XXXX SC keeps calling my employer XXXX from XXXX when I have asked them not to call my employer. I am in credit counseling with XXXX XXXX XXXX XXXX. I have told them not to call my work and they keep on doing this. Please reach out to them and inform them that this is harassments and I will sue if they do not stop. they can call my Cell phone but not my employer. dates are XX/XX/22 and a couple of months ago. I reached out to them today and informed them not to call my employer.
Please have them stop XXXX
|
| 05/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Company, Republic Finance, h as left 7 voice mai ls on my cell phone since XX/XX/2017 . Calls have originated from several different # s, s ome from the 'call-back ' number left in the message, others from a number where the last two digits may dif fer from the call-back number, XXXX They are looking for someone named " XXXX '' ( spelling is a guess, being pronounced as sounding like XXXX XXXX . There is no one at that name here. I do not know anyone by that name, and have had this phone #, XXXX , for over 10 years.
|
| 01/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XXXX XXXX XXXX XXXX is the name of the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX They've called on the XXXX and XXXX of XXXX after I've already spoken to them and asked for them to stop harassing me. I've asked them to stop calling and they continue.
They call from local numbers and when you call back the numbers aren't in service. They do not let you know who they are when they call unless you give them personal information over the phone and only after you give them the info do they let you know who they are.
|
| 04/30/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
Had a check returned by mistake from my bank to Republic Finance, they ran the check back through the bank and the bank paid it. I still paid the XXXX or 35 dollar fee. So from then own the XXXX or 35 dollar fee was added to my payment of 188.00 dollars every month. I paid my bill on time every month have bank records to prove it. I did not pay the fee every month just my XXXX payement. Now I have paid them off they say I owe XXXX in fees of which I am not going to pay. It was their problem not mine, I meet all my payments
|
| 07/05/2016 |
Yes |
|
- Received a loan I didn't apply for
|
|
Web |
|
|
Received a check for {$1200.00} from Republic Finance in XXXX, KY that, if signed and cashed, would enter me into a loan agreement with Republic at an APR of 41.03 %. The letter reads " let us help you with school expenses, '' but XXXX paragraphs later is advertised as " a pre-approved loan just in time for summer fun! '' The letter is signed from XXXX XXXX, Manager at Republic Finance at XXXX XXXX XXXX in XXXX, KY. I do n't know if this violates any specific consumer finance regulations - but it sure should!
|
| 07/19/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
this company claims that I owe them a debt, and put a negative mark on my credit report. I sent this company a debt validation letter to have them clarify this debt. the company called me and left a voicemail stating that if I don't answer the phone, they wont validate the debt. According to the fair debt collection practices act sec 809 once a debt is disputed, it must be validated. so ignoring this letter is a violation of the collection practices act. I would like everything documented in writing.
|
| 12/19/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I get 3-4 calls a week and have for the past two years from Republic Finance looking for XXXX XXXX. I have repeatedly told them I am not him, and that this used to be his number but that it has been my number for 3 years now. I have asked them over and over again to please remove my number from his profile and to stop calling me. I do not know XXXX nor have any way of contacting him. Yet, they continue to ignore my requests and keep calling me. I have tried blocking their number but still get calls.
|
| 11/03/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was out on short term XXXX due to breaking my arm on XX/XX/XXXX. I had insurance on my account to pay my payments while I was out of work and I gave XXXX XXXX ALL of my doctors forms to get my payment paid. I dont know why my XX/XX/XXXX was Showing late. This is XXXX XXXX fault not mine. Please help me get this corrected. I have been to the office on XXXX XXXX many times asking about this. They tell me to file a complaint. I HAVE AND I GET A IT STAYS ON YOUR REPORT!!! Every time.. Thank you ...
|
| 05/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have contacted XXXX XXXX and they are unable to locate my file however ; they are reporting to the CRA 's. I believe that this account is the result of identity theft. I also believe that they are trying to request my current identification in order to use my current information to continue to validate their claims. I have filled a dispute 3 times and they are asserting that I need to provide authentication documents however ; they are not able to provide any information related to this debt.
|
| 09/27/2022 |
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
|
|
Web |
|
|
I'm XXXX XXXX, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now harming my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They must identify who started the account in my name and just provide that individual my information. Kindly help me in solving this.
|
| 12/31/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
On XX/XX/2021, a representative from Republic Finance located on XXXX XXXX XXXX in XXXX, AL called me a total of 5 times via my cell phone with in minutes of each other. During two of those calls they left me two messages one at XXXX XXXX and the other at XXXX XXXX. On the 5th call I answered because I was at work and at that point I felt that I was being harassed for an account that was only a week late. I get that my account is late but to call me a total of 5 times is excessive.
|
| 11/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Republic Finance posted the payoff of this account, which was a check from my credit union, the day after the payment was received. Ultimately, this resulted in a 30 day late payment, which was the only payment ever reflected as 30 days or greater on this account. This is a blemish on my credit report, and it limits the availability of credit to me or the interest rate of credit available to me. In an attempt to resolve this, I called Republic a few months ago, and they stood firm.
|
| 12/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have Dispute republic finance it was removed then added back this weekend. XXXX XXXX company employees managers. Have been using my information for years fraudulently doing things. Only someone with acess to all my information could do this. Im in the process of hiring a attorney to prove this. I have reported this to usda and they have did nothing either. There is a way legally this can be traced its happening at the office of rainervilla apartments and on there personal time
|
| 02/21/2021 |
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
|
|
Web |
|
|
I am behind on payments and I have an arrangement w the office to pay on XX/XX/23.
I have had this arrangement since XXXX. I don't break sets. They call everyday anyway. I block the calls, calling me isn't going to get it paid faster. Sometimes they call two or three times a day. Seems kind 've XXXX to me.
So yesterday they made an inquiry on XXXX. I guess to generate a call from me. I already have a set. So my score went down 10 points on that bureau. I do not appreciate it.
|
| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
This loan company reports charge off of $ XXXX on a $ XXXX loan. Car was given back in XXXX. When I called loan company in XX/XX/2023 I was told car was sold.Was never told amount it sold for.Credit report says my balance is {$14000.00}. If car was sold how is my balance still the same as when the car was given back to them. I need them to report correct amount owed on all 3 credit reports. They also need to have repossession removed on credit report as I gave car back to them.
|
| 01/18/2022 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
Representative ( XXXX XXXX ) for the creditor ( Republic Finance ) continues to call the employer regarding debt. After they were informed via email, fax, and phone - to please do not contact my place of business as I can not receive personal calls of any nature and it can result in my termination. The individual continues to call and even paged me through the hospital system, which is an abuse of use. I have informed my lawyer and have been advised to file a formal complaint.
|
| 05/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XX/XX/2015 I received a phone call from XXXX regarding my monthly payment due to Republic Finance. I explained to her that I would be in on the XXXX which I always pay at the end of the month. She called me on XX/XX/2015 again which is a violation of my consumer rights due to the fact that we had discussed the arrangement on the XXXX. With that being said, her call on the XXXX is considered harassment being that she should not have contacted me again for XXXX hours.
|
| 12/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I was informed of a debt that I owed of {$2500.00} approximately and I realized that the debt was paid through my " XXXX XXXX XXXXt '' and Republic Finance LLC is demanding and payment and filed a XXXX against my personal assets. I informed Republic Finance LLC and spoke to the Manager. I remedied another payment with a 1099A. I also contacted in writing the Corporate Office CEO requesting " Accept for Value '', with a 3rd method this loan has been paid in full already.
|
| 01/17/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I lost my job so I was unable to make payments on a Republic Finance loan. They obtained a judgment against me and cleared XXXX my bank accounts. They have sent me an offer letter and I have accepted, twice. The first acceptance letter I sent was by regular mail and the second was by certified mail. They have yet to respond to either ; however, they do continue to update my credit report negatively. I just want to settle this debt before damaging my credit further.
|
| 10/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I sent Republic Finance a letter on XX/XX/2020 requesting validation of debt. I include my name, social security number, date of birth, address and telephone number. It has been well over 30 days and I have not received no response back.
I sent a letter to XXXX on XX/XX/2020 requesting validation of debt. I include my name, social security number, date of birth, address and telephone number. It has been well over 30 days and I have not received no response back.
|
| 01/09/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
While reviewing my credit report I noticed a collection account in the amount of XXXX with a past due amount of XXXX. Every month the amount changes by {$30.00}. I have sent numerous letter for XXXX XXXX to verify and validate this account all which have gone unanswered. I reached out to the credit bureaus and they keep saying the account is verified. When I asked them how was it verified or to provide me with proof they can not provide any such documentation.
|
| 05/02/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I would like to file a complaint on Republic Finance. The loan was taken out in XXXX. I paid the company up to the amount that I owed, and they took money out of my account. They have a lot of hidden interest rates that exceed the money you borrow. The loan was closed on my credit report and was recently sold to another lender, once I filed my last complaint causing my credit score to decrease. It is now XXXX. The account should be removed from my account.
|
| 10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I filed a complaint with CFPB about XXXX credit investigation practices. I have uploaded proof to you guys as well as XXXX that the Debt was paid in full. On today XX/XX/2023 XXXX has come back saying the company verified the debt and that I am still past due when I have provided XXXX proof that the debt was paid and they still reporting inaccuracies on my report. Again I will provide proof here that the debt was paid in full on XX/XX/2023.
|
| 06/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Older American |
|
I told Republic Finance in XXXX XXXX to pick up car as I could not pay for it. Car was picked up in XX/XX/XXXX. I called Republic in XX/XX/XXXX at the main office was told car was sold & I owed XXXX XXXXXXXXCredit report shows in involuntary repossession & balance of & XXXX. Have disputed several times never changes. So where is car? How much was it sold for? How much do I owe. Never disclosed as per state repossession law. This a mismanaged Co.
|
| 03/03/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ; XXXX, TN XXXX ; XXXX personal loan # XXXX has been placed in collections with malicious intent. The loan was reported to the credit bureau as 30 days late XXXX & XX/XX/2020. The loan was place into collections with XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX ; XXXX, TN XXXX ; XXXX after according to Republic Finance being late 30 days.
The monthly payment on the loan was 280.00. The loan was being paid.
|
| 07/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, I sent REPUBLIC FIANANCE a written notice asking them for validation of alleged debt. I request they provide me with PROOF OF PURCHASE AND DISCONTINUE COLLECTION OF THE DEBT IS REQUESTED, Provide a copy of consumer signature on a contract or document that holds consumer responsible for this alleged debt, and Send CONSUMER proof that you are licensed to collect debt in my state. They have fail to provide me with any information.
|
| 09/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have disputed this balance and the payment due and provide documentation and yet it still remains on my credit report. XXXX is still reporting a {$110.00} balance and payment due of {$110.00} and thats incorrect. There is no payment due and I have a XXXX balance with this company. The company manager told me to dispute with the credit bureau because they only use XXXX and they dont know how XXXX got the information to report it.
|
| 06/01/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I got loan was paying on loan and lost hours due to a fire at a customer. I talked with the loan company and they started a garnishment and paid thru payroll. Loan is paid in full and I found out she didnt send to circuit court that is was paid until after a year later. I had to call the regional Vice President to get him to call and have them fax documents to courts. I asked for a good will delete and I cant get anywhere with that.
|
| 07/29/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This company reported incorrect information to the credit bureaus for almost 3 years. Since they have now updated my account to reflect that actual balance at {$0.00} it has negatively affected my credit scores. They need to delete the record from all bureaus due to their error. They caused my credit scores to drop due to their reporting error. I am trying to get a mortgage they have now hindered that process doe to their mistake.
|
| 06/03/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a credit alert that stated my credit debt had increased by {$1000.00}. Upon checking my credit I realized an old debt from Republic finance had now increased from {$3100.00} to {$4.00}. they also reported on my credit that I made a payment on XX/XX/XXXX that is not true my last payment was in XX/XX/XXXX before my accident. I am starting to rebuild my credit and this hurts my chances I would like for it to be corrected.
|
| 03/27/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
Hard inquiry ran on my credit report by this company without my permission. No application via phone, email, or mail requesting credit from this company. I have paid all accounts on report and would like this removed as it pulled my score down. This was an unauthorized hard credit pull and should be deleted by company. Information possibly sold or transferred to another company on file.
Republic Finance XXXX XXXX XXXX XXXX, ga
|
| 09/09/2020 |
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
|
|
Web |
|
|
On XX/XX/XXXX I sent a letter to Republic Finance , LLC asking for validation of their inquiry made to my personal credit profile on XX/XX/XXXX. Republic Finance , LLC has failed to provide me with the appropriate verification that they had my personal authorization for this inquiry. Instead they state that someone called on the phone and authorized. This does not substantiate that they had my authorization for said inquiry.
|
| 06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act, this creditor, Republic Finance, has violated my rights under section 15 USC 1681 Section 602, I have the right to privacy. 15 USC 1681 Section 604A section 2 also state a consumer reporting agency can not furnish an account without my written instructions. 15 USC Section 1666B states a creditor may not treat a payment under an open consumer account as late for any purpose.
|
| 04/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have had several loans from Republic Finance located in XXXX, SC. I had one loan that was paid in full but have several late payments being reported. Im asking for a XXXX deletion of those late payments to help improve my credit moving forward. I have always paid them in full and would appreciate the deletion and report it to all credit bureaus. Thank you for your past when I needed help. I paid all loans completely.
|
| 01/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I sent a certified letter to loan company Republic finance XXXX SC and asked them to not contact myself or my father regarding his acct. last month I called to ensure they got it and manager XXXX states they did. My father has XXXX and XXXX causes his XXXX XXXX go up and he gets sicker. I received another certified letter from them today about what is due on his account. They are harassing us and this has to stop.
|
| 05/30/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Collector failed to respond to serveral written request to validate alleged debt. Under the FCRA they must delete and removed if they can not provide proof of debt. After several failed attempts, company has refused to do so and has not responded to my request to do so. Also, they have repeatkey changed the account balance when the account is reporting as closed. Which is by law innacurate and rounds for removal
|
| 05/22/2018 |
No |
- Debt collection
- Payday loan debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/XXXX, and again on XX/XX/XXXX, I received a letter from XXXX XXXX branch # XXXX, which is actually located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, but the letter was from XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX that claimed that I owe a debt to XXXX XXXX under account XXXX/XXXX. I do not have the debt they claim, since they tried to sue almost 2 years ago and was settled out of court over a year ago.
|
| 12/07/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a collection account reporting on my credit files ( XXXX, XXXX and XXXX ) named XXXX XXXX. The account is listed below : 1. XXXX XXXX ( Account Number : XXXX ) I am disputing this collections due to the fact that XXXX XXXX does not currently have a valid license in Tennessee to collect on debts. I am requesting that you investigate this matter and delete these accounts from my credit files immediately.
|
| 10/10/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
On XX/XX/2022. I was notified by XXXX XXXX XXXX that Republic Finance has changed my XXXX on time payment to a status of over 30 days LATE!. I have never been late on this account and no time did the company notify of missing payment. I make my payments online. I verified through my bank account ... ALL payments have been paid and there was never a problem with the payment going to Republic Finance.
|
| 04/25/2017 |
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 |
|
|
This an unknown company to my knowledge I have not given any permission to access my credit report. they have made multiple hard inquiries on my report without permission. I have disputed these items and have not received any type of response as to an resolution. I reached out to the company to have them remove inquiry, they supposedly did but it returned about 60 days later. I need help please.
|
| 12/05/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Republic Finance has reported delinquent 30-60 days on my XXXX credit reports. The have done so prematurely as my payment is not due until the XXXX of each month. They reported me delinquent on XXXX/XXXX/2016 for the month of XXXX but the payment for XXXX has not even come due. In addition they are refusing payment for my loan and sent me a notice explaining to me that they are refusing payment.
|
| 01/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I filed a dispute on XX/XX/18 and XX/XX/18. They both stated that the information reported to them was accurate but I submitted checks that were written and cashed by the company during that time that were not updated on the report. I also sent confirmation of the original creditor never sending me to collections. They also had the wrong payment dates and amounts. Nothing has been done.
|
| 08/18/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
Republic Financial keep call me Want there money I have told them to talk to you that yall are the one to call Not me .they call all the time I have talk to and man there his name is XXXX I told them if they had? to call yall and they keep call me they want there money that I do not have having and headline pay this right know that why I ask yall to help me with my bills Thank you
|
| 06/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I closed my account and paid it off with Republic Finance years ago and they have not removed the collection from my account. Now Republic Finance is reporting that I have a collection account with XXXX when I do not have a collection account. I called and spoke with multiple employees who confirm I do not owe them money but they still have not removed this from my credit report.
|
| 06/09/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Collection agency is claiming my balance is higher than it is and I have been making monthly payments as agreed but the collection agency still shows wrong balance and that my last payment was more than a year ago. I tried disputing it with XXXX but the collection agency responded saying balance and payments they have been reporting are accurate when they are not.
|
| 12/21/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have paid the loan this loan. This was about a {$3000.00} loan. I have paid over {$6000.00} back with interests. I thought that this was over until I applied for a mortgage and it showed up that this account was in collection. A few days ago a recieved a settlement letter stated that they would settle the account for an additional {$1700.00}. That is robbery!
|
| 05/25/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
they got my name from somewhere and sent me an check in the mail I never ask for I do n't think it should be legal Republic Finance and they lied about me begging them for a loan in XXXX TN .last year they do many checks in mail to many people I told the the motor blew up and i had to replace it .I only get XXXX income they waited the day before to get it
|
| 03/13/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
On XXXX XXXX The Branch Manager For Republic Finance XXXX Called My Place Of Employment. The Manager Told Him I Was Not Available As We Are Not Allowed To Receive Personal Calls. XXXX Then Told My Manager This Is XXXX At Republic Finance Can You Have Her Give Me A Call Back Because I Am Trying To Save Her Account From Being Charged Off At The End Of The Month.
|
| 10/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX calls me at work, on my cell phone several times a Day, several times a week. Ive asked the client service Rep. to stop harrissing me. Im not delinquent on this account. XXXX XXXX has reported to XXXX, XXXX, and XXXX the three credit Bureau the account delinquent because I requested they stop harrassing me. Ive never been delinquent on this account.
|
| 03/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX is allowing creditor to report false information on my credit. One is XXXX XXXX among others. Account that are closed are still on my credit file this is ridiculous. Ive been having this problem over a year. I have no score for XXXX XXXX period. I see Im going to need to hire someone to look into this. I keep reporting things and they keep happening
|
| 12/10/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I previously submitted a request to have this looked into. I requested assistance from CFPB in obtaining loan paperwork with terms and conditions. I indicated that I had previously attempted to resolve it. Republic Finance Still has not provided the loan terms and conditions as promised directly associated with my social security number, loan number.
|
| 05/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
I cash a loan check that I received in the mail. I lost my job & did not make a payment on the loan. My daughter deposited her federal income tax & state tax check into my account. The finance company from which the check was from won a garnishment on my account & withdrawl the money from my account which was my daughter 's money. What r her rights?
|
| 02/24/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American, Servicemember |
|
I paid a personal loan plus XXXX XXXX XXXXnterest in 6 months to Republic Finance of XXXX XXXX Texas. They have reported a delinquency to XXXX violating the Fair Debt Collection Practices Act. They are trying to collect interest on a balance that paid years ago. Sincerely yours XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 12/05/2017 |
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 |
|
|
I just checked my credit report and noticed these inquiries on my credit report and they are hurting my score. I 've reached out to the companies to no avail, and I am at the point to where I am going to contact an attorney and file a lawsuit against these companies if they cant and wont remove these inquiries that I have no acknowledgement about
|
| 08/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with XXXX XXXX XXXX, XXXX/XXXX, and REPUBLIC FINANCE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, and REPUBLIC FINANCE with no successful resolution. There was definitely an error on their part.
|
| 06/30/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
Republic Finance LLC ( Loan No. XXXX ) says that I owe them more money when I have paid them in full.
My XXXX/XXXX/16 receipt has a new balance of {$110.00} after making a regular payment of {$160.00} on that date. On XXXX/XXXX/16, I paid {$110.00} and that receipt shows a new balance of $ XXXX. Now, Republic says that i owe about {$280.00}.
|
| 02/16/2018 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
On XX/XX/XXXX I was issued a summons from XXXX XXXX. I had made a good faith payment of XXXX in XX/XX/XXXX. I had tried to keep communication with them and hoped they would work with me. I live with mom and dad and they have severe health issues and I had another mailing address for them to mail and get in touch but they did not honor it.
|
| 08/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with XXXX XXXX, XXXX, and REPUBLIC FINANCE LLC/L. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and REPUBLIC FINANCE LLC/L with no successful resolution. There was definitely an error on their part.
|
| 07/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Republic Finance is reporting a debt on my credit file that i do not owe. I recently checked my credit and noticed this debt on my credit file, I called immediately and paid the debt off. I never received any phone calls or any collection letters or notices about this debt and I'm pretty sure this violates my 30 day right to dispute.
|
| 05/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Harassing calls. Call started XX/XX/XXXX till present time. XX/XX/2023 they called me XXXX times, on XX/XX/XXXX they called me XXXX times, on XX/XX/XXXX they called me XXXX times, on XX/XX/XXXX they called me XXXX times, on XX/XX/XXXX they called me XXXX times, I made the night they called me XXXX times, XXXX the XXXX XXXX times,
|
| 03/27/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
Republic Finance representative who identified himself as XXXX the manager of Republic Finance located on XXXX XXXX in XXXX Georgia admitted he withdrew money from my account without permission. But he refuses to return it and the fee the bank charged me for paying the ACH transaction of XXXX on XX/XX/2020, without my permission.
|
| 12/07/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I owe them {$200.00} dollars and been having financial hardship for the last 6 months, they continually harass me calling my place of employment everyday 2 and three times a day, i have already contacted the corporate previously and ask them not to call my place if employment but they still call it is stressing and depressing
|
| 09/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
My payment is past due and Republic Finance not only called my place of work to confirm employment, but also told one of my employees that they were confirming because I am " on probation. '' This is defamation of character and now all of my employees are wondering what I'm on probation for and I am not on probation at all.
|
| 04/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I have tried to work out a payment arrangement with this company and the collection manager, refused to accept my payment arrangement.
She has threatened to sue me on numerous occasions. She refuses to work out an arrangement with me because I can not pay what she has demanded from me.
She have caused me XXXX XXXX.
|
| 11/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In XXXX I paid a loan to XXXX XXXX in full on the due date. They mistakenly reported my account 30 days past due. XXXX XXXX the area director gave me a letter stating the credit reporting agencies needed to take it off my credit. The credit reporting agencies will still not remove the 30 day late from my report.
|
| 07/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Refinanced a current loan with the same company.. republic finance of XXXX la ... so basically when is all said and done im paying 68 % on one loan and i was not compensated the insurance back into that first loan ... and the total payment due after 24 months was also added to the second contract!!!
|
| 11/24/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have been forced into bankruptcy. I notified Republic Finance, with a letter and my attorney 's information. The XXXX Tennessee office is the one that has been calling me they are located on XXXX, TN XXXX. They have been calling me and sending me letters. The last phone call, they threatened me.
|
| 10/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Due to Covid-19. I was placed on bed rest. That related in me lost my job and forced me to fall behind on all my bills and all other payments. The following account below are effecting my Credit report.
Reported Late and Closed. XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2020. Account number XXXX
|
| 05/08/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing this due to non-compliance with the ( XXXX XXXX XXXX XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
|
| 02/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
For several months I've tried to set up a payment plan for my account. I have called several times, no one would return my phone call, nor will they assist me with resolving this debt. They have turned my account over to a collection agency and increased the amount of the debt that I owe.
|
| 11/06/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
I was sent to a collection agency. I have had some major life changing events and my finances have suffered. The interest on this account is outrageous. In this day and time it is unconscionable. With the price of groceries and gas and as a single person I am struggling to even eat.
|
| 09/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
On XX/XX/XXXX a payment of {$400.00} was made to Republic Finance that didn't get processed. The error was caught in XX/XX/XXXX by the company but wasn't corrected or noted as promised. That action created a late payment reported on my credit file that I was made aware of XX/XX/XXXX
|
| 02/05/2019 |
No |
- Debt collection
- Payday loan debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On XX/XX/2019 XXXX from XXXX XXXX called and spoke with someone other than myself and divulged personal financial information regarding an account being overdue for payment. This clearly violates my rights in disclosing this information to a third party other than myself.
|
| 12/02/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have an account on collection who belong to my ex-husband and now I am getting phone calls from collection agency who ask me to paid a debt that does n't belong to me and treated me on the phone. I want this calls to be send to the correct borrower my ex and not me.
|
| 09/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Requested that they stop calling me as they have no information pertaining to my issue. They stopped calling for a few days and then started again. They call multiple times per day and if or when I answer the phone, nobody says anything and they hang up in my face.
|
| 05/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
got a letter from main office Republic Finance in XXXX XXXX LA. told i didn't owe them loan was settled but still shows on my credit report unpaid plus false claims from their XXXX TN office since XXXX going to this date XX/XX/XXXX I think maybe some fraud about me
|
| 02/22/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I keep getting calls on my cell phone for someone named XXXX. I nor any member of my family is named XXXX. I nor any member of my family have ever done business with Republic Finance Company. I have repeatedly told them this and told them to stop calling me.
|
| 03/03/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
Employees of this office were the not truthful about payoff amount. Employees were very rude and not professional. This business leave derogatory remarks on your credit report even when you are up to date on payments, or when you pay off loan early.
|
| 01/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
My payment was reported to the 3 credit Bureaus XXXX, XXXX, XXXX as past due XX/XX/2021. There has not been a 30 day late on this account.
Payment was remitted to Republic by debit card though their ( XXXX ) XXXX XX/XX/2021.
|
| 02/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
the agency must notify the consumer of the debts delinquent status through a demand letter or dunning notice. Please Send documentation of charges or written proof of purchase, XXXX XXXX XXXX fees monthly after statement date
|
| 07/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Republic Finance is reporting late 's on my account. I just refinanced and don't understand why these late 's are notated on my account.I was never notified about being late and have never made a late payment on this account.
|
| 08/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no clue who this is and also they are breaking the law by reporting false information and damaging my credit. This account says it was opened over 7 years ago and that alone is past the statue of limitations right.
|
| 09/27/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
It was a loan now its paid in full.
I have talk to Costmer Service about remove off credit report.
She said a month ago it will be remove with in 3 business days.
It still showing the loan is open on credit report.
|
| 03/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
Republican Finance keep updating me account its paid off and its been over 7 years will not reporting to take off my credit report.This a law I open this account 2015 They needs to remove off my credit report
|
| 09/18/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received some collection calls regarding a debt who does n't belong to me. I want the calls to stop and the debt removed from credit reports immediately. I ca n't keep received some calls of treated daily.
|
| 09/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
My account is currently in collections and it is occurring interest monthly. I was told that no interest would occur on the account. My credit score is dropping monthly due to interest being occurred.
|
| 05/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
This account was paid in full by court order of wage garnishment. The loan company still reports that I owe them money. The garnishment was satisfied and complete. Should be reported as paid in full.
|
| 09/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
REPUBLIC FINANCE has denied my request to the credit bureaus to " validate '' debt reporting on my credit profile with XXXX and XXXX. My FCRA has been violated and denied. See attached Document
|
| 06/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I got this account that does not belong to me and i want it to be remove from the 3 credit reporting agencies.
1 Identity Theft REPUBLIC FINANCE Account Number : XXXX This is not mine.
|
| 02/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I recently paid off my XXXX account, I found they have reported a delinquent payment on this closed account to the three credit buearus. I have never been delinquent on this account.
|
| 06/06/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
Account was paid down to XXXX when I encountered difficulty paying Account was subsequently charged off. Lending institution is still charging interest on a charged off account
|
| 06/28/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone has opened some accounts in my name that are fraud I will be filing suit against XXXX XXXX XXXX There are XXXX XXXX accounts on my credit profiles and XXXX XXXX XXXX
|
| 01/08/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
The finance company sent me a threating letter stating they were taking me to court and that I had five days to catch up payment. As of X/X/18 payment is two months due.
|
| 12/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
SECOND REQUEST : I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 01/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My concerns are their unfair credit reporting processes. I paid my account within 30 days and my account was never late. However, it was reported late.
|
| 03/04/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
|
|
I am a victim of Identity theft and I have disputed these items and they are still on my credit bureau.
One account is Republic Account number XXXX
|
| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
ACCOUNT IS PAID IN FULL. REPUBLIC FINANCE IS SUBMITTING TO XXXX THAT THE ACCOUNT IS A CHARGE OFF. THE PAYMENTS WERE SENT TO XXXX, XXXX, AND XXXX
|
| 09/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me.
Please see the identity theft report and legal affidavit attached.
|
| 12/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me.
Please see the identity theft report and legal affidavit attached.
|
| 10/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me.
Please see the identity theft report and legal affidavit attached.
|
| 10/10/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
I have lost my source of income and paying back amount is extremely difficult to payback. Company refuses to negotiate or lower payments.
|
| 10/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
CREDITOR-REPUBLIC FINANCE CONTINUES TO CALL MY PLACE OF WORK AFTER I HAVE INFORMED THEM THAT PERSONAL CALL ARE FORBIDDEN AT MY WORKPLACE.
|
| 09/11/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 12/05/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Older American |
|
I got the loan but was not expecting the interest or length of payments. I also didnt expect to have the insurance tacked on.
|
| 08/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Within just being 5 days late or even less at times, they call at least 5-6 times a day with 2 separate phone numbers.
|
| 02/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Loans in my name and never paid back or late payments .... hacked my bank account and I had to get 3 new cards
|
| 11/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The account below is not mine, I have no knowledge of the creditor below.
REPUBLIC FINANCE XXXX {$8200.00}
|
| 07/06/2016 |
Yes |
|
- Charged fees or interest I didn't expect
|
|
Web |
|
|
I have a payday loan and cant afford to pay it back and their going to garnish my wages.
|
| 09/19/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American, Servicemember |
|
Company states I still owe on a 2yr loan that I have been paying on for 5yrs
|
| 12/29/2020 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Company say they sent a live check thru mail and I had no knowledge of it
|
| 12/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
ive been trying to contact you guys about lates on my credit report
|
| 04/24/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
A loan went from XXXX dollars to now XXXX with republic fianance
|
| 04/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have numerous fraudulent accounts on my credit report.
|
| 09/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
Company do not have my name or social right or address
|
| 04/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Check my credit report and notice unfamiliar things.
|
| 08/31/2022 |
Yes |
- Vehicle loan or lease
- Title loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Republic finance please validate this alleged debt
|
| 01/18/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
Received phone calls at my job from loan company.
|
| 03/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The account was paid as agreed.
|
| 10/29/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Constant harassment & threats.
|
| 06/16/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Need debt information on loan
|
| 03/07/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Repeated calls to my job.
|
| 09/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This was a false amount
|
| 09/29/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
Excessive daily calls.
|
| 02/02/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
|
|
| 01/27/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with additional add-on products or services
|
|
Web |
Older American |
|
|
| 01/18/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Phone |
|
|
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem when making payments
|
|
Phone |
|
|
|
| 12/21/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Postal mail |
|
|
|
| 12/21/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
Older American |
|
|
| 12/03/2023 |
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
|
|
Web |
Servicemember |
|
|
| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/06/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Phone |
Servicemember |
|
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 10/18/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Phone |
|
|
|
| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 10/08/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 09/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/21/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
|
|
Phone |
|
|
|
| 09/13/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/06/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
|
| 09/05/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 08/29/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem when making payments
|
|
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
|
|
Web |
|
|
|
| 08/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
|
| 08/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 07/13/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 06/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Referral |
|
|
|
| 06/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Servicemember |
|
|
| 05/24/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 05/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 05/08/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 05/05/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/03/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 04/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 03/20/2023 |
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
|
|
Web |
|
|
|
| 03/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 03/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
Servicemember |
|
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
|
| 03/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 03/02/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Postal mail |
|
|
|
| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/20/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
Older American |
|
|
| 01/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Postal mail |
|
|
|
| 01/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 11/16/2022 |
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 |
|
|
|
| 11/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 10/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 10/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 10/11/2022 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 09/20/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Older American |
|
|
| 09/04/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 08/25/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Phone |
|
|
|
| 08/07/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 06/17/2022 |
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
|
|
Web |
|
|
|
| 06/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 04/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/09/2022 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 04/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 04/02/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 03/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 03/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 03/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/27/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 12/13/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 10/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/19/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 09/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Referral |
|
|
|
| 09/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Servicemember |
|
|
| 09/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/14/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Referral |
|
|
|
| 08/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/07/2021 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
|
| 07/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
|
| 03/04/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
|
| 02/11/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/08/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 12/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Referral |
|
|
|
| 12/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/17/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/14/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 11/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
|
| 11/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/16/2020 |
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
|
|
Phone |
|
|
|
| 10/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 07/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/19/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
|
| 04/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 03/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/09/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/27/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/27/2019 |
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
|
|
Phone |
|
|
|
| 11/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
Servicemember |
|
|
| 10/04/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 09/24/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Phone |
Older American |
|
|
| 09/12/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/29/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 07/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 05/30/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 05/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Postal mail |
|
|
|
| 03/28/2019 |
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 |
|
|
|
| 03/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/27/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/12/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
Servicemember |
|
|
| 01/24/2019 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
|
| 12/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/03/2018 |
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
|
|
Phone |
|
|
|
| 11/17/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/15/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 11/12/2018 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 11/07/2018 |
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
|
|
Web |
|
|
|
| 10/11/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 08/08/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 07/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 07/11/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 06/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 06/18/2018 |
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
|
|
Web |
|
|
|
| 05/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/29/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/23/2018 |
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
|
|
Web |
|
|
|
| 03/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 02/26/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 02/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 12/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/08/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 08/18/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 06/14/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
|
| 06/03/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 05/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/24/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
Servicemember |
|
|
| 02/03/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 01/17/2017 |
Yes |
- Debt collection
- Payday loan
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 01/07/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 12/13/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
|
| 11/09/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Postal mail |
|
|
|
| 10/15/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/10/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 08/04/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
|
| 07/08/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Fax |
|
|
|
| 06/01/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/21/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/11/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 03/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Fax |
|
|
|
| 03/03/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 02/29/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 12/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 12/22/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 11/17/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 11/09/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/28/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 06/02/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 04/15/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 04/08/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 03/03/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 02/20/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Postal mail |
|
|
|
| 02/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated shouldn't respond to lawsuit
|
|
Web |
|
|
|
| 12/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 12/11/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 12/11/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 10/09/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 09/09/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 04/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
|
|
Web |
|
|
|
| 03/28/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 02/07/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
Older American |
|
|
| 12/19/2013 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Phone |
Older American |
|
|
| 12/02/2013 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Phone |
|
|
|
| 11/15/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 10/09/2013 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Account terms and changes
|
|
Web |
|
|
|
| 06/03/2013 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
|