SF VAGO, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/01/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	MI 490XX	Web
Qualified Written Request and Complaint against State Farm and XXXX XXXX XXXX Dear CFPB, Please find my QWR and complaint against State Farm and XXXX XXXX for deceptive business practices and illegal securitization scheme ( masqueraded as " lending '' ) operated by XXXX XXXX XXXX. Most recently I received a {$370.00} refund from purportedly State Farm for my home insurance. The refund actually came from XXXX XXXX XXXX bank, on State Farm 's letterhead which was unsigned and lacked any contact information or identity of the person who prepared and sent to me this letter and the check. I assume it must be done by the accountant/bookkeeper for State Farm. The payment for some reason was mailed directly to me - instead of my faux Servicer XXXX XXXX XXXX, XXXX who claims to receive my mortgage payments and my escrow money. When I contacted State Farm agent XXXX XXXX, he provided me a copy of State Farm ACH ( why State Farm 's ACH and not Sender/Payor 's ACH? ) where some unidentified XXXX XXXX XXXX XXXX sent State Farm {$1000.00} as a payment for my home insurance. There are seven main steps to process ACH payments. The first step occurs when the originator initiates the ACH transaction. The originator can be a bank, business, or individual. In other words, this ACH must be originated by my faux " Servicer '' XXXX or their paying Agent XXXX XXXX XXXX XXXX who poses as Trustee for non-existing XXXX XXXX 's Trust, as confimed by HUD. From there, the bank of the originator will submit the ACH entry. Again, it must be XXXX 's bank - which is XXXX XXXX XXXX. Banks send ACH entries to ACH operators in batches. Each bank has a predetermined schedule for sending these batches. The ACH operator within the network sorts the entries into deposits and payments. Following sorting, the ACH operator sends the entries to the recipient bank. The receiving bank must confirm the originators account has enough funds to allow for the transaction. Finally, the receiving bank either debits or credits the account of the receiver depending on if it is a payment or deposit. Thus, ACH payments have very clearly explained procedure - none of it apply to State Farm ACH. Bear to repeat, when on XX/XX/2021 someone hired some Third Party Payment Company it lacks any corporate identity, even the name or contact information and even operates from someone's home. No other details about this transaction were included, including payment information who sent this payment ( some " mortgage company '' ) or banking information ( from which bank it was sent ) or reference number for this transaction. This Third Party Payment Compnay sent State Farm {$1000.00} on XX/XX/2021 This makes {$450.00} l difference with my {$600.00} due for home insurance posted by XXXX on my escrow account State Farm ( XXXX XXXX ) sent me a refund {$370.00} - which does not make any sense. How this refund was calculated? That is the Reference number for this transaction? That is the name of this " Third Party Payment Company '' and their mailing address and contact information? I demand State Farm and XXXX XXXX to provide me following information XXXX. Name and contact information for State Farm employee who prepared and sent me a refund check for {$370.00}. Please identify this employee 's position with State Farm. 2. Please explain how this amount was calculated if due was {$600.00} and payment was {$1000.00} 3. Please provide full corporate name for Third Party Payment Services ; name and contact information for their employee who send this payment ; and name and contact information for payor who hired this Company and who provided them access to my escrow funds. 4. Please disclosed full financial transaction where exactly this ACH was originated and by whom information as appear in the link on ACH, inlcuidng the name of the Bank where this payment was originated. 5. Please provide me reference number for this transaction 6. Please provide me contact information for XXXX 's and Bank XXXX New York employees who are responsible for accounting and disclose whom State Farm contacts at XXXX or BONY ( or any other party, please identify ) when customers dispute payments. 7. Please send me difference {$79.00} between {$370.00} and {$450.00} surplus.
08/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11550	Web
DISPUTE RESPONSE I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$24000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX CO ND XXXX XXXX CO ND XXXX - XXXX CO ND XXXX XXXX CO XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX - XXXX CO XXXX XXXX XXXX CO XXXX XXXX - XXXX CO XXXX XXXX XXXX CO CO XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$2900.00} written off. Status updated XX/XX/XXXX Original balance {$24000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 60 Months Company sold - Original creditor - Comments Purchased by another lender Your statement CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX IL XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
09/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 336XX	Web
I recently received a credit alert that my credit score was reduced from XXXX to XXXX, and upon further investigation, I discovered that my State Farm XXXX loan was showing 54 days past due. I was shocked, as I had not been contacted by State Farm, and no late notices were sent to me either - if I had not gotten the credit alert, I would have never known. I called State Farm at XXXX on XXXX at XXXX XXXX EST, and spoke to a rep named XXXX, who informed me that my auto debit, which had been in effect for over three years since the start of the loan was stopped due to a bank change on State Farm ' end, which is why payments never came out. He also said that it was a known issue, and that my credit would be fixed, late charges waived and a new auto debit form would be mailed to me. He also advised me to dispute the rating with the major credit bureaus. I immediately paid the late XXXX and XXXX payments as well as paid ahead for XXXX to ensure no additional problems, which was a total of {$1300.00} ( ref ID XXXX ) with XXXX. The funds were always in my account, they just were never debited by State Farm. The call lasted 25 minutes. Once I got off the phone, I processed disputes with XXXX and XXXX. XXXX did not show a late payment, so I was unable to dispute the rating. Today ( XX/XX/XXXX ) I received a notification that State Farm denied my dispute with XXXX, so I called State Farm back and asked to speak to a supervisor and was connected with a floor supervisor named XXXX. He told me that companies ' position now is that I was notified and the credit reporting will not be fixed, which is not acceptable. I also discovered that for my auto loan, they had never updated to my current address, which may explain why no notices ever came to me. However, we have had home and auto insurance ( two vehicles ) with State Farm and have for many years, and have been getting a lot of mail from State Farm- but never anything for the auto loan. In addition, on my online State Farm profile, my auto loan showed my current address. Nowhere on my account online showed the old address. My auto loan was paid as agreed since XX/XX/XXXX, right up to when the auto debit was stopped due to an issue with a State Farm banking change. I see State Farm 's refusal to make things right an unfair, deceptive and/or abusive practice. I am not asking for money or any other type of special dispensation ; I just want State Farm to do the right thing and rate the account paid as agreed with no delinquent payments showing. State Farm 's practice of proactively waiving late fees on accounts affected show that they acknowledge the issue is on their end and adjusting credit reporting would just be an extension of correcting the issue. I took the initiative to fix everything the best that I could, and I expect the same from State Farm. Lastly, I was told that State Farm Bank no longer exists, and a entity named XXXX, XXXX XXXX is who now services my State Farm loan. However, I want to file this complain against State Farm, as the handoff of my loan was apparently processed poorly, which may have led to the issues on the State Farm end. This has been a very poor customer experience for me as well, as I have been on the phone for hours to correct this issue. I was even told on XXXX that it would be corrected, only to be told later that I was misinformed and it would not be.
08/26/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	AL 362XX	Web
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX , and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, EMVLP II LLC failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. EMVLP II LLC Account Number : XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. EMVLP II LLC Account Number : XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge. On the date XX/XX/2022 XXXXXXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
04/21/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WI 547XX	Web	Older American
My vehicle loan has very high interest rate ( 8.14 % ) and very high interest to principal. It was transacted in XX/XX/XXXX with State Farm Bank. Payments were made on time through XX/XX/XXXX. In XXXX, XXXX a two-month extension was approved for financial difficulties. Payments again were made on time thereafter from XX/XX/XXXX through XX/XX/XXXX. Again, during the pandemic in XXXX and loss of 2 jobs, in XX/XX/XXXX, an extension was offered and taken for XXXX, XXXX and XX/XX/XXXX. Payments were resumed in XX/XX/XXXX. Presently, I find it a struggle to make these payments and have been in contact with collections to let them know since early XXXX of my difficulties. I have continued to make payments as I am able but I am in a 30-day late status at this time. During recent efforts to understand where I am, I shockingly noted that on-line statements do not reflect any principal payments made to my account since XX/XX/XXXX and I can not get a satisfactory explanation why all payments made since then have gone for interest only. After several unsuccessful attempts on my part to call to get an answer, My Agent, XXXX XXXX, then got involved and attempted to a have loan support supervisor call me back and explain line by line explanation for each month on the loan starting XX/XX/XXXX and running through the present : Beginning balance Payment made Payment applied ( principal, interest? ) Fees charged. We both requested this on Monday XX/XX/XXXX, and requested a return call no later than 48 hours after the formal request. It is now late in the afternoon XX/XX/XXXX and I have had no return phone calls. They sent the agent a print out that looks exactly like the on-line statement, which the agent suggested was not intelligible. ( attached ) I believe this is a predatory lending practice and I certainly did not know or understand that past the extension for Covid relief, I would not be gaining any ground by any of the {$740.00} payment applied to the principal. Consequently, I am now underwater on this loan and can not sell the vehicle to repay this loan. It seems to me that the " relief '' offered for compassion during a pandemic became a way to rip me off with an already high interest rate. Within the last 2 years, I tried to refinance this vehicle loan with State Farm but was turned down on my request.
08/16/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	AR 727XX	Web
I refinanced a vehicle loan via Statefarm Bank in XXXX of XXXX. I paid off my vehicle loan in XX/XX/XXXX. Despite placing over XXXX calls with customer service representatives of Statefarm Bank over the last 2 years, I have still not been issued an electronic title release to the state of North Carolina in order to receive my vehicle title. I have confirmed with the North Carolina DMV that the title is showing held up in their system & can not be released with a paper lien release. Multiple DMV employees have stated that they must receive an electronic lien release from the bank in order to issue my title. I have placed over XXXX phone calls in the last 6 months to Statefarm Bank communicating that the NC DMV must receive an electronic title release. I do not have records of every call, but most recently I have placed calls on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Additionally, when I have asked to speak to someone in the Titling department at the bank, I was advised this department does not have a phone number, email address or any way for consumers to make contact. I have been promised that I would receive a call from the Titling department on several occasions ( most recently on XX/XX/XXXX ) & have never once received any communication from this department. The only thing I have ever received since paying off the vehicle has been several paper copies of the lien release via mail, despite clearly communicating to the bank that the DMV will not accept paper releases and must be provided an electronic release. My most recent call on XX/XX/XXXX, the representative I spoke with, XXXX, advised that there is no update from the titling department. They have told me for the last month that the Titling Department is pending communication with the DMV regarding this issue. We have heard this several times over the past year with no resolution. It is clear that the bank is not taking my request seriously and have made it impossible to make contact with the appropriate parties which should be able to solve the issue. Consequently, I am unable to sell my vehicle because I can not receive a title. Please let me know if you need any further details. Thank you!
08/08/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	CA 90621	Web
I got used car auto loan from Statefarm on XX/XX/XXXX of XXXX and I have been paying on time via auto payment and all of sudden they transferredmy loan to another entity name called XXXX XXXX and it turned out to be same company of Statefarm but they changed a different name of company on XXXX I don't know which month they changed because I was out of country at that time and when I came back to the state, I noticed that there was past due 30 days marked on my credit report and I called them and explainedmy situation and they said they sent a letter to my home but I haven't received any letter from them and I didn't receive any email or phone call include text message from them while I was out of country and I told them that I haven't received any notification and this is not fair because I never changed my contact information and my auto debit bank account but they said it's a different company so they don't have any control so they were not be able to help me on this case. After that, I logged into the Statefarm account and it's about the same platform and I did make a payment through the system. Basically same Statefarm but they did change a company or I don't really know what happened and what was the intention of doing this but this is totally unfair because I haven't received any notification of this and everything is the same never changed on my end and they did post 30 days past due on my credit without saying anything to me. Totally unfair behavior and not acceptable in this matter. That's the reason why I am reporting to you on this matter. The loan is paid off now because I don't want to use service from them but that 30 days past due mark still remains on my credit report so I would like to ask you to help me in this case. I never have missed any payment in my life including Credit cards and Loan entire my life. Please help!
11/09/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	TX 75024	Web
Thursday, XX/XX/XXXX - That morning I was unable to find my car. I called 911 thinking it was stolen. Come to find out it was repossessed by XXXX XXXX ( EMVLP , LLC ) I called my State Farm Bank and they informed me they are now with XXXX XXXX. I was never made aware of this change and they stopped my auto payment. Therefore I did not realize I was missing payment as it was never brought to my attention. The loan servicing agent said they do not leave a message by phone as it is an automated message and the mail was sent to my previous home address. I paid the full amount owed ( {$2000.00} ) the same date I was made aware ( XX/XX/21 ). I find it strange they were able to find my car at my new address and not mail the warning to the same address. I called my State Farm agent the same day XXXX and they requested me send them bank statements of my autopayment as they found it strange that the autopayment would stop with no warning. I gathered all this new information on XXXX ( State Farm Bank transferred to XXXX XXXX ). Why did the autopayment suddenly stop. I went through the protocol and wired {$2000.00} to final retrieve my car the next day. I called XXXX XXXX today XX/XX/21 and asked if they could send me the autopayment paperwork so I can properly fill out. I have never missed a payment and only have {$6700.00} left to pay. The funds were there but XXXX XXXX ( EMVLP , LLC ) / State Farm stopped the auto payment with zero warning to the customer.
11/08/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	CA 90019	Web
I purchased a car through a small dealership and StateFarm financed my loan. I've been paying the loan and insurance for 3 years now. Back in XXXX, my car engine mount broke due to a pothole. I look my car to XXXX dealership and submitted an insurance claim. The adjuster went there and looked at the car and said it had all these prior damages years ago before I got which made it a salvage title car so insurance wasn't willing to pay for my car. I then begin to check my statefarm documents because on my credit account it had a different vin that wasn't my car. XXXX proceeded to send me my loan agreement in the mail because I was curious due to the fact they don't finance salvage-titled cars. There it was on my loan promissory agreement it had the incorrect vin. My agent committed fraud so the deal could go through. I believe this is due to the fact one or two things weren't messed up about the vin it was a whole completely different vin and it's to the same make and model as my car down to the color. So yeah they definitely committed fraud to make my deal go through. I told specifically that a resolution I want bare minimum was to have my loan cleared because they were trying to just change vin to correct one. I'm like that doesn't work for me because my car is salvaged it was never supposed to be financed y you guys in the first place. My StateFarm agent was there at the dealership with me he inspected the car and all.
08/12/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TN 37075	Web
This is to reference State Farm Bank also EMLVP, LLC as the loan originator for my RV trailer. I had called in XX/XX/2022, XX/XX/2022 and XX/XX/2022 to check on terms to Voluntarily Surrender my trailer. I was mailed via USPS a form and I diligently faxed it back after I had spoken with a rep from State Farm Bank for over an hour and a half making sure I was clear on the terms I received a Fax successful so I knew that it had been received. I called today to check status as a rep never called within the 10 days the form and rep said would happen today after seeing a 90 day late payment status on my consumer credit report I called State Farm Bank and was told, The image was distorted so they couldnt accept it. I replied, No one could call or follow up on this matter? Rep did apologize as I am sure it wasnt his direct fault. I had assumed since I gave instructions initially on address phone and all pertinent contact info that the RV had been picked up since it wasnt being used and in possession of my ex husband in XXXX. ( I have since relocated to XXXX ) and no longer communicate with him. I stopped making payments as directed. I am frustrated with the lack of communication and honestly believe it is an unfair and unethical business practice. I want the negative payment status on my credit report removed as it shouldnt be reflected this way. Also, I am contemplating if I should seek legal council on this matter.
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 Investigation took more than 30 days	FL 32837	Web
I am writing to dispute a declined bank error late payment on my car loan account with EMVLP , LLC. I have never made a late payment on this loan or any other loan in my credit history. The late payment was caused by a bank error, and I have proof that the payment was made on time. On XX/XX/XXXX of XXXX, I made a payment of {$320.00} to my car loan account. I have attached a copy of my bank statement showing this payment was processed and deducted from my bank account on that date. However, for some reason, EMVLP , LLC did not receive the payment, and as a result, it was marked as late on my account. I immediately contacted EMVLP , LLC to resolve the issue and sent a letter disputing the late payment. However, my dispute was declined, and my credit score has been negatively impacted by their mistake. I have always been a responsible borrower and have maintained a perfect credit score until this incident. I am requesting that EMVLP , LLC remove the late payment from my account and correct my credit report. I have provided proof that the payment was made on time, and I believe that their mistake should not be allowed to damage my credit history. Thank you for your time and assistance in this matter. I look forward to a swift resolution to this issue.
07/20/2022	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	LA 70460	Web
15 U.S. Code 1692g - Validation of debts,15 U.S. Code 1692b - Acquisition of location information,15 U.S. Code 1692b - Acquisition of location information,15 U.S. Code 1692e - False or misleading representations. ON XX/XX/22 I notice a letter in my private address this company EMVLP , LLC had no rights to my private address for one! after paying off my truck note this company EMVLP is now falsely accusing me of an alleged debt. i have no handwritten or electronic singe of nature. A signature copied or transferred is fraud! I didn't reach out to this company because i have no contract with them and i will not freely consent to offer up my private information that doesn't belong to this company. The audacity of these corporations to falsely XXXX allocations for debt with everything going on in the world today. I'm highly upset, and this emoting caused me a lot of distress and discomfort i had to seek medical car this treason for any living berating Man! Please fix this error this is affecting my life and credit score. Praise you so much in advance. ACCOUNT NUUBMER XXXX EMVLP , LLC XXXX XXXX XXXX XXXX WI XXXX sincerely yours XXXX XXXX XXXX
08/11/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	IL 60651	Web	Older American
In XX/XX/XXXX I applied for an automatic monthly payment plan authorization with State Farm Bank. I followed up with a telephone call and learned from State Farm Bank that the authorization was received. On XX/XX/XXXX, I received a Demand to Pay Letter from XXXX XXXX XXXXXXXX XXXX XXXX for the sum of {$21000.00}. After talking with this Agency on XX/XX/XXXX, I learned for the first time that this debt represented the auto loan which had been placed under the automatic monthly payment plan back in XX/XX/XXXX with State Farm Bank. I replied to the demand letter initially by requesting to know the origin of the debt which I disputed and suggested that possible fraud could be involved. I sent a certified letter requesting the source of the debt. State Farm failed to give notice that my automatic payment authorization was problematic and/or payments were never received. No communication was received regarding my account. However, when correspondence was generated which was the Demand Payment Letter, it was received through regular mail. Why not the same approach regarding delinquent or nonpayment,
01/14/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	GA 398XX	Web
I filed XXXX XXXX bankruptcy XX/XX/XXXX in XXXX XXXX My XXXX XXXX XXXX was included. Original loan was $ XXXX I paid the loan every month. Post COVID I suffered financially and filed XXXX XXXXXXXX, the balance left when I filed was only for {$6000.00}. The auto loan company XXXX XXXX XXXX agreed to the court order. The trustee paid the loan in full on XX/XX/XXXX. The court Discharged my bankruptcy XX/XX/XXXX. On XXXX XXXX, XXXX XXXX EMVP sold my loan to a collection agency said the balance I still owed was {$110.00}. My lawyer told me not to pay anything, the court paid what was agreed upon. The lawyer sent multiple letters, phone calls, emails. Both companies refuse to rectify the situation. No one will release the lien and provide the Title to me. I am not able to trade the vehicle without the title, can not sell it, can not move out of state and register the vehicle. I feel they violated my protection provided to me by the Federal Bankruptcy laws. I don't know what rights I have, how to fight a corporation that keeps ignoring our request.
08/17/2023	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	WA 98012	Web
Statefarm held my car loan which was paid off by me in 2021. I never received a lien release certificate from them. I am trying to sell the car now in Washington state and the dealership requires a lien release. Statefarm after contacting them multiple times has not endured that I received the lien release so that I can sell the car. As per statefarm they mailed the lien release on XX/XX/XXXX and until XX/XX/XXXX I have not received any documents and they are not even sure if the document has a wet signature when I called them on XX/XX/XXXX. Upon lot of discussion and pushing them to send an important and time sensitive document in a reliable way. They asked me to send a overnight prepaid shipping label which I did send on XXXX out of my pocket and associate told me that they will mail it out today but they haven't sent it as USPS tracking shows that its not picked up by USPS. Statefarm is not taking any effort to send me a basic document and wasting my time and money.
06/15/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	GA 30253	Web
I WAS PROVIDED A COVID RELIEF EXTENSION THAT WAS FOR TWO MONTHS. I WAS ADVISED IT WOULD BE GRANTED FOR THE MONTH OF XXXX AND XXXX WHICH WAS MISCOMMUNICATION ON THE REPRESENTATIVES BEHALF. ME BEING MISINFORMED LED ME TO MISSING XXXX PAYMENT BECAUSE THE EXTENSION WAS ACTUALLY FOR THE CURRENT MONTH XXXX AND THE NEXT MONTH XXXX. IT WAS A COMPLETE MISCOMMUNICATION AND AS SOON AS I WAS NOTIFIED OF THE LATE PAYMENT I IMMEDIATELY PAID THE BALANCE TO CURRENT STATUS. I HAVE REACHED OUT EVERY SINGLE DAY TRYING TO FIX THE NEGATIVE MARKING ON MY CONSUMER REPORTS AS I BELIEVE THEY ARE INACCURATE. NO ONE CAN SEEM TO HELP OR FIX THE PROBLEM I HAVE PAID MY LOAN ON TIME SINCE XX/XX/2019 WHEN I RECIEVED THE LOAN. I HAVE NO LATE PAYMENTS ON MY CREDIT REPORTS OTHER THAN THE MARK FROM MY THIS PARTICULAR ACCOUNT. CAN THIS LATE PAYMENT PLEASE BE REMOVED FROM MY ACCOUNT AS I WOULD ASSURE YOU IT WILL NEVER HAPPEN AGAIN.
02/21/2023	Yes	Vehicle loan or lease Loan	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 303XX	Web
I have an auto loan account with Statefarm ( EMVLP LLC ) as well as other products. I have been a customer with them for over 8 years. For this particular loan, in XXXX XXXX XXXX I was late on a payment. I took the extension that was offered but due to the pandemic and loss of employment, I was still behind and missed one payment. Ever since I caught up I have not been late. I have emailed the CEO XXXX XXXX and talked to a supervisor by the name of XXXX for a courtesy update and a goodwill removal. They were not polite with their responses and showed no empathy for my situation as someone who was directly impacted by the pandemic. This is affecting my ability to apply for other loans as it reports on my credit statements as a derogatory mark.
08/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30309	Web
I have paid on my State Farm account on time. State Farm has reported a late on my credit report. I provided them with information that I tested positive for COVID 19 in XXXX XXXX and couldnt leave the country due to COVID 19. They refuse to give me a COVID 19 extension, I still attempted to pay on XX/XX/XXXX and the funds were debited from my account onXX/XX/XXXX because it was by a electronic check. The company reported a late to my credit report that has impacted my credit ratings. I am attaching proof that I sent to State Farm concerning the late payment was made on time and medical documentation of COVID 19
06/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33196	Web
I have a loan with STATE FARM BANK, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called STATE FARM BANK and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX and STATE FARM BANK with no successful resolution. XXXX reporting me having late payments. There was an error on their part. I was never late.
08/31/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	GA 30309	Web
I have contacted State Farm with the correct information about the vehicle loan that I been making ontime payments on. I contacted them to let them know I was out of town in XXXX XXXX and I tested XXXX XXXX XXXX XXXX I checked my checking account and a payment did come out of my bank for the XX/XX/2021 onetime payment. I have faxed them a copy of my bank statement and attaching a copy to you as well. The late payment is still showing on my credit report currently.
07/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32205	Web
I paid off my vehicle loan with State Farm Bank. I did go into collections and whatnot but I paid everything. My car was never repossessed. It never left my possession. But the company reported that the car was repossessed. I filed a dispute through the bank for this error. They stated it was legit even though I never paid any repo fees or the car was never picked up. I am applying for a house and this is seriously hurting my progress.
09/18/2023	Yes	Vehicle loan or lease Loan	Repossession Notice to repossess	AL 35211	Web
State Farm Bank is reporting inaccurate information on my credit profile. They are reporting My XXXXXXXX XXXX XXXXXXXX as a repo. Which is totally incorrect. The car was never repoed. I received Car title in Hand. I am no longer in possession of the car as of XXXX, XXXX due to it be totalled in a Car accident. State farm did not have right on Car title because XXXX XXXX had the car title. So state Farm is report incorrect information
04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 79924	Web	Servicemember
In accordance with the fair credit reporting act State Farm 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 : I t 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 loan account under an open end consumer credit plan as late for any purpose.
10/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30114	Web
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6O2 that states I have the right to privacy 15 USC 1681 section 6O4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS1666B a creditor may not treat a payment on a auto loan account under open and consumer credit plan as late for any purpose
05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11106	Web
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights 15 usc 1681 section 602 a state I have the right to privacy 15 usc 1681 section 604 a section 2 : it also state consumer reporting agency can not furnish a account with out written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plain as late for any purpose
05/27/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TN 383XX	Web
I XXXX XXXX entered into a consumer credit transaction with State Farm Bank on XXXX. A consumer credit transaction in which a finance charge was involved. Title 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit. The finance charge is suppose to include insurance but State Farm Bank made me purchase insurance separately.
10/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33127	Web
EMVLP, LLC Contact XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF XXXXXXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
09/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11422	Web
3 auto loans were established using my credentials without my authorization. These accounts were opened fraudulently with EMVLP LLC formally known State farm. I have reached out to this company regarding the fraudulent negative reporting on all 3 credit bureau agencies and there has been no change.
06/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30253	Web
I HAVE CALLED XXXX XXXX AND THE COMPANY EMVLP LLC ABOUT AN INCORRECT LATE PAYMENT. I HAVE NEVER HAD A LATE PAYMENT AND WOULD LIKE FOR IT TO BE CORRECTED ON MY XXXX, XXXX, AND XXXX.I HAVE SENT LETTERS AND MADE PHONE CALLS WITH NO ONE AVAILABLE TO CHANGE THE STATUS!!
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MI 49424	Web
This company is reporting inaccurate information to my consumer reports. Not only is the information inaccurate, it is too old and obsolete to be reported on my consumer reports. This has caused financial damage to me and my family.
06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91106	Web
EMVLP II , LLC ACCOUNT IS A FRAUDULENT ACCOUNT, THIS ACCOUNT WAS NEVER OPENED BY ME, NEVER AUTHORIZED BY ME TO BE OPENED. IN FACT I DON'T HAVE ANY CREDIT CARDS, I DON'T UTILIZE MY CREDIT.
12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32817	Web	Servicemember

11/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	PA 19118	Web	Older American

11/06/2023	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	GA 30106	Web

10/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30106	Web

10/06/2023	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	NY 12065	Web

08/31/2023	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	FL 32246	Web

07/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89015	Web

06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19462	Web

05/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30253	Web

05/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30253	Web

03/14/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with additional products or services purchased with the loan	MI 48215	Phone	Older American

03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33319	Web

02/21/2023	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	WA 98387	Web

10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30041	Web

10/25/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	NY 10462	Referral

10/05/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	LA 70037	Postal mail

09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AR 71854	Web

08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38109	Web

08/24/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76010	Web

08/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	DC 20019	Web

06/29/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	LA 70037	Referral

06/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30349	Web

05/24/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	NY 11550	Phone	Older American

04/08/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Loan sold or transferred to another company	AR 72086	Referral

03/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 10029	Referral

03/09/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OH 45036	Web

03/07/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30349	Phone	Older American, Servicemember

03/04/2022	Yes	Payday loan, title loan, or personal loan Title loan	Loan payment wasn't credited to your account	NE 68526	Web

03/03/2022	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	GA 30331	Web

02/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33142	Web

02/01/2022	Yes	Mortgage Other type of mortgage	Closing on a mortgage	PA 15001	Web	Older American

01/31/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	LA 70359	Phone

01/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11003	Web

12/15/2021	Yes	Payday loan, title loan, or personal loan Title loan	Can't contact lender or servicer	NC 27526	Phone	Servicemember

11/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19462	Web

11/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60608	Web

08/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33032	Web

08/10/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 34986	Web

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	TX 77384	Web

07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91352	Web

07/02/2021	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	IL 60016	Web

06/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33713	Web

06/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11096	Web

06/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91205	Web

06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91204	Web