Roadrunner Account Services, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/07/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	FL 34759	Web
Notice to agent is notice to principle - Notice to principle is Notice to Agent RE : XXXX XXXX XXXX VIN : XXXX NOTICE OF BILLING ERROR, POWER OF ATTORNEY AND ARBITRATION TERMINATED, ACCOUNT PAID IN FULL ATTENTION : ROADRUNNER FINANCIAL, CEO, XXXX, XXXX On XX/XX/XXXX, I went to XXXX XXXX XXXX for a consumer credit transaction to purchase a XXXX XXXX XXXX and was told to put a down payment of {$17000.00}. Cash is not supposed to be involved with a consumer credit transaction ; a down payment of {$17000.00}. Federal Truth in Lending Disclosures section, a total of $ XXXXfor the finance charge. This is a Violation of 15 U.S.C. 1605, and other violations are listed below. I do not have a contract with ROADRUNNER. XXXX XXXX XXXX and ROADRUNNER FINANCIAL Failure to disclose, unjust enrichment, and fraud on the consumer. An intentional act of fraud. The note was created on my credit and signature, the note was not an asset of XXXX XXXX XXXX and ROADRUNNER FINANCIAL breach of contract, fiduciary duties, and failure to comply with conditions precedent in both the note and Disclosure. Emergency Banking Act 1933 debt is the obligation of the United States XXXX XXXX XXXX and ROADRUNNER FINANCIAL are in violation of the Truth in Lending Act ( TILA ) requires full disclosures by law and ( GAAP ) Fraud. A national bank has no power to lend its credit to any person or corporation... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. A Federal Reserve Bank credits the appropriate amount of interest on Book-entry Securities to a Funds Account maintained at the Bank or pays it as directed by the Participant. Book-entry Securities are redeemed according to their terms, a Federal Reserve Bank withdraws the securities from the Participant 's Securities Account in which they are maintained, and either : ( i ) Credits the amount of the Redemption proceeds, including both principal and interest, where applicable, to a Funds Account at the Bank, or ( ii ) Pays such principal and interest as directed by the Participant. U.S. Code 1431 - Powers and duties of banks. Banks can not lend money ; they are the borrowers. 15 U.S. Code 1602 ( G ) I am the creditor and natural person extending the credit, Consumer credit transaction. 15 U.S. Code 1 - Trusts, etc., in restraint of trade illegal ; penalty.16 CFR Part 433 - PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENSES. XXXX XXXX XXXX and ROADRUNNER FINANCIAL Failure of consideration, Misrepresentation of a material fact, unjust enrichment, no money lends, and no consideration were given for the claimed amount of {$54000.00} or note. 15 U.S. Code 1692a Definitions ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. 15 USC 1692 E 15 U.S. Code 1692h - Multiple debts 15 U.S. Code 1635 - Right of rescission as to certain transactions 15 U.S. Code 1662B. Advertising of down payments and installments. Cash is not supposed to be involved with a consumer credit transaction down payment. 15 U.S. Code 1602 - Definitions and rules of construction. XXXX XXXX XXXX and ROADRUNNER FINANCIAL have caused XXXX XXXX suffering, XXXX, and emotional distress, and damages continuing at the present time. XXXX XXXX has been XXXX. This damages my reputation intentionally, recklessly, and with malice, spite, and ill will. I would appreciate it if XXXX XXXX XXXX, ROADRUNNER FINANCIAL, and CEO to make a lump sum payment of {$35000.00} double the finance charge, send SATISFACTION AND RELEASE OF LIEN, or I will take court actions with legal fees. I am claiming all credit due on the accounts, including off-balance sheet ledgering. You should also be advised that I will seek the recovery of damages, costs, and reasonable legal fees for each failure to comply with the requests herein. I also reserve the right to seek statutory damages for each violation. Plus all costs of this action, all damages allowable ( including statutory, actual, compensatory, nominal, punitive, and such other relief that this court deems to be appropriate to prevent further violations. Opportunity to cure dishonor. This will be XXXX XXXX XXXX and ROADRUNNER FINANCIAL only chance to settle this matter before XXXX XXXX files a suit against this company in Circuit court for {$54000.00} XXXX XXXX is agreeable to a lump sum payment of {$35000.00} to settle this matter. Please contact me on or before due XX/XX/XXXX for purposes of settling this matter. If I do not hear from your company on or before the due date, XXXX will file a lawsuit against XXXX XXXX XXXX and ROADRUNNER FINANCIAL without further notice. It is in your company 's best interest to settle this matter before a lawsuit is filed to avoid legal, court fees plus violation costs ( attorneys fees for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and ROADRUNNER FINANCIAL ). If a judgment is obtained against the debtor, it will negatively affect their ability to get credit, that's he will be ordered to pay court fees and the term will occur at a rate of 10 % per annum. Based on the foregoing, I accept payment in the amount of {$17000.00} made payable to XXXX XXXX, at my address XXXX XXXX XXXX XXXXXXXX FL XXXX, and send SATISFACTION AND RELEASE OF LIEN no longer than the due date XX/XX/XXXX, I can also be reached at the email above If XXXX XXXX XXXX and ROADRUNNER FINANCIAL decide to ignore this demand for payment, XXXX XXXX will further pursue all of its legal remedies without further notice to the debtor. This letter serves as evidence that XXXX XXXX creditor has attempted to resolve this matter formally. Violation of 15 U.S.C. 1605 finance charge, No notice of rescission, and Gramm Leach Violation of Truth in Lending Act and Bililey Act ( GLBA ) ( no Privacy Notice ). 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for the willful and knowing violation. NOTICE. ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT. AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. All prior Powers of Attorney, all other prior presumed or granted Executorships, and Agency relationships are terminated. Furthermore, Arbitration is terminated. I look forward to your reply and a resolution to my problem and will wait until 21 days before seeking court actions, help from a consumer protection agency, attorney general, and the XXXX XXXX XXXX. Please contact me at the above address or email XXXX I consider that you will do the honorable thing in this matter. GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES!
11/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30078	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. ROADRUNNER & {$4300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
08/30/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	IL 601XX	Web
I have a retail installment contract in place with Roadrunner Financial. This contract is in violation of 15 USC 1602 ( h ) ( i ) ( l ), 15 USC 1693 ( l ), 15 USC 1662 ( b ) & 15 USC 1635 ( a ). 2. Due to the retail installment contract that Roadrunner Financial and I have in place being a credit sale. This puts Roadrunner Financial in violation of 15 USC 1602 ( h ) since they are not the original seller of the vehicle. Pursuant to 15 USC 1602 ( l ), this would imply that the debt for our XXXX XXXX XXXX XXXX XXXX is paid for, and the original seller XXXX XXXX XXXX , from which I purchased the vehicle, employed Roadrunner Financial to make it my duty as a consumer to pay independent of their duty to fulfill their obligations within our contract. As a result, this puts Roadrunner Financial in violation of 15 USC 1602 ( i ). 3. Roadrunner Financial is also in violation of 15 USC 1662 ( b ) by advertising that a specified down payment is required. On page one of the installment contract under the section titled sales agreement, subsection Down Payment states ; You also agree to pay or apply to the cash price, on or before the date of this contract, any cash, rebate, and net trade-in value described in the itemization of the amount financed. On page 2, under Itemization of Amount Financed on line g titled cash payment, the amount shows {$XXXX}. 4. Pursuant to 15 USC 1635 ( a ), The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Board, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Board, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. Per the contract between Roadrunner Financial and us, there is no clear and concise verbiage for the consumers right to rescind. 5. As a result of the violation of these Federal Regulation Codes, without further ado, Roadrunner Financial is ordered to return all expenses paid, including all fees, back to us via check or direct deposit and sign the title of the XXXX XXXX XXXX XXXX over to me, XXXX XXXX XXXX 6. As to the Arbitration and Provisions section in the Roadrunner Financial and our assigned contract, 15 USC 1693 ( l ) was violated. Furthermore, if Roadrunner Financial does not comply with this order, I will be forced to take legal action against them by filing motions with the appropriate federal and state regulatory bodies for violation of the Truth in Lending Act 15 USC 1602 ( h ) ( i ) ( l ), 15 USC 1693 ( l ) & 15 USC 1662 ( b ).
01/12/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	SC 296XX	Web
Road Runner Financial XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan Application ID : XXXX Hello on XXXX I applied for an extension of credit. I received an adverse action letter stating I was denied. I am not attempting to be troublesome nor am I outright disagreeing with your company 's decision. I would just like to know what laws and procedures were used to come to this determination. Companies procedure does not supersede federal law. This is a direct violation of my rights of consumer 15 usc 1602 ( f ) tell me credit is my right. I can not be denied a right. 15 usc 1602 ( p ) makes it clear that you committed fraud and used my credit card without authority, and I received no benefits. Now I would hate for this situation to escalate. I am sure you're just doing your job, but I would now have to hold you personally liable for this. Federal Reserve section 16 part 2 says my application was the collateral and it says that the collateral is worth dollar for dollar for the value of the federal note that was taken from the federal reserve bank. So, since those Federal reserve notes was exchanged they wasn't even exchanged so I would like to use the credits that arised from that transaction. I would like to apply it to the principal account. Also, the Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants. I have been discriminated against, on the basis of race and defamation of character. Company stated they couldn't give me the reasons I was denied requested to speak to manager they took my name and number and stated a manager would call me. No one Called me back. XXXX ; XXXX XXXX XXXX
01/31/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33967	Web	Servicemember
I got approved for a loan with XXXX XXXX in XXXX. Then XXXX came and I was able to make a payment but not create an account. When I asked customer service they said it was a problem with my social but they would fix it. Same thing in XXXX. I cant save any payment info, and the entire process is a pain. They keep showing that I dont have a payment due, but when I log in to pay it it shows that I owe. I tried to set up autopay but they cant seem to create my account, even after receiving my social. I try not to lend myself to paranoid thinking, but something just doesnt add up. It seems almost intentional, theyre showing that I dont owe any payments, it seems like they want me to miss my payment. Why would a loan company want me to miss my.. Oh. So I go to XXXX to check the other reviews. Within the last 6 months multiple people are reporting similar issues- technical account issues leading to missed payments, late fees, and repossessions. Look. If these guys are setting people up to miss their payments just so they can charge a bunch of money, thats wrong. And hopefully illegal. Before paying my bill today I took screenshots of the misleading information. Its misleading at best, but if you ask me, its downright malicious and intentional. And frankly I think a class action lawsuit is in order. Every late fee charged returned. Or better yet, end the corrupt company and bless the people who had to endure their evil. Companies like this will lead to the collapse of our American financial systems unless someone comes to the aid of the American people.
06/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32084	Web
I am writing to request that you remove the fraudulent account that was opened using my identity from my credit report. I recently discovered that someone had stolen my personal information and used it to open this account without my knowledge or consent. I have already taken steps to report the identity theft to the appropriate authorities, and I am working to dispute the fraudulent charges associated with the account. However, I would also like to request that you remove the account from my credit report as it is damaging my credit score and financial well-being. I understand that you may require additional documentation or information to verify my claim, and I am willing to provide whatever is necessary to support my request. I would also appreciate your prompt attention to this matter, as I am eager to resolve this issue as quickly as possible. Thank you for your understanding and cooperation in this matter. Sincerely, XXXX, XXXX
11/18/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	AZ 857XX	Web
Credit Score was told to me to be XXXX, then told to me to be XXXX. Both times I was told that it's too low to get an auto loan. I was told I can't get a loan because I haven't had a loan before, which is cyclical logic. There is no directly correlative reason to deny the loan. It's based on a fictitious number made by an intentionally obtuse process used by a company whose purpose is to obfuscate the discrimination that was always prevalent in the banking system. Without empirical evidence that there is a significant amount of risk involved in loaning to me, there is no actual reason not to loan to me. Therefore, if the loan is denied without the company being able to produce empirical evidence based on academically approved and accepted mathematics and statistics, then the loan was denied without good cause, and therefore the denial is unlawful.
10/19/2023	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	NV 89002	Web
I don't comprehend why I have to repeatedly file complaints regarding an issue that ROADRUNNER ACCOUNT assured me they would resolve over the phone. During our conversation about this problem, they assured me it would be addressed within 10 days. However, it has now been 65 days, and the issue still adversely affects my credit and hinders my progress in securing a loan. The emotional and physical toll I am experiencing due to this matter is overwhelming. I kindly request that you rectify this situation immediately. I have never been delinquent on this account. If this problem persists, I will have no choice but to consult with a legal representative and pursue compensation for the emotional distress caused by the extreme negligence in handling this matter. ROADRUNNER ACCOUNT SER XXXX.
03/17/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NV 89015	Web
I have continuously showed this company that they are reporting inaccurate information on my consumer report. They are reporting charge-offs on my consumer report when the IRS stated that charge-offs and cancelled debts are considered income, and INCOME IS NOT REPORTED ON CONSUMER REPORTS. I have sent these chumps a copy of the IRS publication which states what law they are violating and how to resolve the matter, but they refused again. These morons continually ignore what the law states in order to put inaccurate information on my report. Furthermore, these morons was also suppose to send me a 1099-C form for the debt cancellation, which they have not done. This is my final response to this company to delete inaccurate information from my report or litigation will begin
01/06/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 28461	Web
I had a repossession a number of years ago and XXXX owed on the vehicle. The company came and took the vehicle. I asked what i owed and no one can give me an answer. There is a charge off on my credit report for XXXX but they have since sold the vehicle so its my understanding that what i owe is the XXXX minus whatever they sold the vehicle for. No one can look up my information on the vehicle or tell me what it was sold for. They only ask me to start making payments on the XXXX. I have tried disputing the account with the credit bureaus to get at least the total corrected or the account removed because its being misreported but haven't had success. Please help me anyway that you can. Thanks.
10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39702	Web
In accordance with the fair credit Reporting Act XXXX Account has violated my rights. 15 USC 1681 Section 602 States I have The Right To Privacy. 15 USC 1681 Section 604 A Section 2 : It is Also States a consumer reporting agency can not furnish a account with my written instructions. 15 U.S code ; 1681a - Definitions rules of construction- Exclusions Except as provided in paragraph the term ''consumer report '' does not include any report containing solely as to transactions or experiences between the consumer and the person making the report ; 15 USS 1688B : A Creditor may not treat a payment on Credit card Account under an open end consumer credit plan as later for purpose
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 125XX	Web
On XX/XX/XXXX I disputed a loan that is still showing on my credit. The loan has been satisfied since XX/XX/XXXX. The vehicle has since been sold and registered to someone new. The loan amount still showing as of XX/XX/XXXX is {$4800.00}. Last payment shows as of XX/XX/XXXX. Account shows as pays as agreed I have disputed the loan as being incorrectly reported. I reported to the 3 credit bureaus and to the company the loan was from. All of this took place in XX/XX/XXXX. To date it has not been updated or removed and is preventing me from obtaining a mortgage. I have also requested my attorney contact as well but no progress has been made.
03/17/2023	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NV 89015	Web
This company has continuously reported inaccurate information on my consumer report. They intentionally reported a charge-off on my consumer report when it is in fact considered income. According to The IRS, they clearly defines a charge-off as Gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting a charge-off on my account inaccurate! I have contacted this company several times to delete this inaccurate account from my consumer report, but they constantly refuse to correct their unlawful behavior. It has damaged the character of my consumer reputation and I will be seeking remedy.
03/07/2023	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	TX 75126	Web
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
07/21/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	AR 72143	Web
This is a motorcycle that my x boyfriend that didn't have the credit at the time, got his friend to put the loan in his name. Now my x boyfriend has XXXX his job and couldn't make the payments and I don't know how they got my business phone number but they won't stop harassing me over this. EVERY SINGLE DAY! When I've had nothing to do with this my name is not on this loan. I want them to leave me alone. Even if I block them they call from a different phone number. I don't need them calling my business phone line. Please make them stop
03/20/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	KY 40403	Web	Servicemember
RoadRunner Financial is the company ( Roadrunner account services LLC ). They send multiple text every month before the payment is do. I have not missed a payment. My recent payment was made already and I keep getting text the payment was missed although I have received confirmation of it and the money has been taken out of my account. The practices are very poor and have been a miserable since Ive had them with all the spamming of a payment that is going to be made. ITS NEVER BEEN MISSED THEY GET PAID EVERY MONTH.
07/18/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	MA 01845	Web
Roadrunner Financial , Inc. is acting ill will towards, I, the consumer. They are acting adverse towards I, the consumer, in fact natural person and original creditor. Please see exhibit A and B for proof of violation. Pursuant to 15 USC 1605 ( f ) Credit is the right granted. A right. A right can not be denied because there is no such thing as denying rights to a consumer. Additionally, they are in violation of 15 USC 1692c ( b ) and 15 usc 1691 ( a ) ( 3 ).
11/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL XXXXX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for I purpose. 44.6K 435 7667
10/21/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	CA XXXXX	Web
I received an offer for financing through a third party for a vehicle but was denied because my profile number was below their margin I then asked to speak with the underwriters and kindly explained the them that it was against statutes to deny a person credit on their own account as I had already given the XXXX number to them but the conversation ended and I was unable to receive credit for the purchase of a new vehicle.
04/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11691	Web
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
08/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IN 463XX	Web
on XX/XX/2022 I called roadrunner account services and i Spoke with XXXX XXXX Supervisor about a 30 day late payment for XXXX and asked her to removed it because it was not reporting accurately the l was paid in full and was never 30 days late in XXXX which is reporting on my Credit report. Car sold to XXXX XXXX in XXXX see attachments so how was I late on this account in XXXX XXXX XXXX Supervisor
04/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 352XX	Web
I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports.
05/06/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 33196	Web
I made a payment over the phone via automated payment, and I put a payment of XXXX dollars and didn't realize the payment was missing XXXX cents. Because of the missing XXXX cents it marked my payment history as late. This was an error.
06/13/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Credit denial	NC 27712	Web
I was emailed by a address by XXXX that i was declined a loan due to certain reason. I have yet to ever apply for a loan and I believe it is a scam.
02/13/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NC 28054	Web

02/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 36782	Web

02/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29150	Web

01/30/2024	Yes	Vehicle loan or lease Loan	Improper use of your report Reporting company used your report improperly	MI 48601	Web

01/29/2024	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem related to refinancing	VI 00802	Web

01/19/2024	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 761XX	Web

01/02/2024	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	FL XXXXX	Web

12/23/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33463	Web

12/08/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	MT 59404	Web

11/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Problem with personal statement of dispute	SC 29550	Web

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39339	Web

11/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33014	Web

10/26/2023	Yes	Debt collection Auto debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	SC 29412	Web	Servicemember

10/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36782	Web

10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60104	Web	Servicemember

10/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29550	Web

10/03/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	MO 63857	Phone

08/15/2023	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 77035	Web

07/25/2023	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	AL 36782	Web

07/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36782	Web

07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37206	Web

06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MS 39759	Web

04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 40241	Web

03/14/2023	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	PA 19124	Web

09/19/2022	Yes	Payday loan, title loan, or personal loan Title loan	Money was taken from your bank account on the wrong day or for the wrong amount	CA 92704	Web	Older American, Servicemember

05/04/2022	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	GA 30022	Web

03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11520	Web

02/16/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	AZ 85173	Web

01/10/2022	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	PA 19139	Web

08/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76549	Referral

07/14/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	GA 30004	Web

01/06/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30034	Web

03/11/2019	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate		Phone