| 05/21/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : SHABANA MOTORS XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
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| 06/02/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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SHABANA MOTORS After taking out my first vehicle from this business, i stayed up to date with my payments until I got wrecked and paid off the remainder of the loan to this company. After my settlement ( wasnt much after I paid my balance with this business ), i decided I needed a car so I put down {$2600.00} as a down payment. After I saw how much they were charging per month for a used XXXX XXXX with XXXX miles ( $ XXXX, {$30000.00} total value, plus their XXXX insurance ) - might as well be a truck- i wanted to back down but it was too late. I wanted a car, I signed paper after paper and put myself in a predicament that i couldnt get out of. I had a great job up until they decided to cut down on my hours so that there set me back so much. I tried explaining to Shabanna about my situation and they dont seem to care one bit. I lost my job because they decided they want to disable the car. So now they repossessed my car and have no transportation what so ever. These guys are XXXX. I want something to be done about this great company. Always XXXX in low income XXXXXXXX and ruining their life.
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| 11/15/2018 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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My vehicle just got repossessed, and I was forced to over pay on the loan. the problem that I'm having with this company is incorrect or fraudulent balance remaining, since I've bought the vehicle 3 years ago I've been keeping track of my payment, the company report to the credit bureau that I still owe about {$9000.00} which is incorrect, so I called the company with the information that I have to get them to correct the balance remaining on my lawn which in reality should be somewhere around {$3000.00}, after they disabled my vehicle I called to pay off the rest of my loan which they denied me to do, so I asked them how much do I have remaining on the loan to pay it off and they refused to tell me, so I informed them that the balance that they're reporting to the credit bureaus is incorrect and then I was hung up on.
Another but unrelated complaint is Shabana Motors never honored my powertrain coverage, within the first 24 months I've replaced my front wheel axle shaft, fuel pump, timing belt, head gaskets, and CV joints.
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| 07/11/2019 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Shabana Motors XXXX XXXX XXXX XXXX XXXX The attached document is how much my car is in need to be fixed, the quote is from a direct partnership with Shabana Motors, meaning XXXX is a credible place to receive a quote, Shabana Motors manager told me that the people at XXXX XXXX probably wanting to overcharge me, which makes me question, why are yall in a partnership with XXXX if you dont trust them? My car at this point no longer drives, I think that the vehicle I currently own needs to be put down in a junk yard.my car is only worth XXXX $ but I bought it for {$16000.00}. This car is completely dead and no longer drive-able, my note is {$500.00} a month, I am a XXXX year old XXXX XXXX working 2 jobs and my car is very expensive with repairs and the lease is highly expensive. They are threatening me with repossession. I need help!!!!
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| 11/15/2021 |
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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My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : SHABANA MOTORS XXXX Balance {$9900.00} ; SHABANA MOTORS XXXX Balance {$0.00}
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| 01/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
Servicemember |
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This is an addition so they can plant a file a while back stating that Shabana motor was having me over pay for my vehicle and they repossessed it, I found the transaction receipt that I was looking for at the time when I filed a complaint on this transaction receipt dated XX/XX/2018 it clearly states that at the time when I made a payment the remaining balance on the loan what's {$9700.00} in the time between XX/XX/XXXX in XXXX I made a total of 6 monthly payments each monthly payment was {$480.00}, that's a total of {$2800.00} so that should have left my remaining balance at at {$6700.00}, but Shabana Motors still has me owning {$8900.00} it doesn't make mathematical sense and it's incorrect.
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| 07/27/2021 |
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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On XX/XX/2021 Shabana motors received a certified promissory note, also documents conditionally accepting responsibility for whatever alleged debt they have been reporting to my credit report, predicated of course upon proof of claim from Shabana Motors validating debt pursuant to fdcpa, fcra. Shabana in those debt verification where notified to cease any debt collection activity until they verify debt. They have refused to remove fraudulent inquiry from credit report although they failed, refused, or was unable to validate any debt. These torts by Shabana Motors are adversely affecting my credit and character and is infraction of fdcpa and fcra please advise.
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| 12/08/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have notified XXXX as well as Shabana Motors to inform them that neither of them entered a notice of dispute for this account when it was disputed in XX/XX/2021, XX/XX/2021 and XX/XX/2021. I informed them they were in violation and yet the account continues to report while they are both in violation of the FCRA. Each time I pulled a new report the I have proof the notice was never entered by either the original creditor or XXXX. They simply have refused to comply and I have not gotten anywhere with either company. it is repetitive disputes to no avail with them simply not being compliant!
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| 06/01/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I LEASED A CAR WITH ISSUES AND WITHIN 2 DAYS I FOUND OUT THE CAR DIDNT HAVE A BELT ON THE ENGINE WHICH IS HAZARDOUS FOR ME MY WIFE AND KIDS THAT I HAVE IN THE CAR AND THEN WHEN THEY PUT ONE ON THERE THEY SAID THAT WAS MY 1 FREE SERVICE WHEN IT WASNT MY FAUKLT THEN THEY DIDNT FIX ENGINE PROBLEMS IN THAT ONE FREE SERVICE AND THEY WONT WORK WITH ME
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| 01/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company.
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted.
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| 11/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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On XX/XX/XXXX of 2022 someone used my identity to get a loan for a car I want to request the title and my money back as of code 15 us 1635, code 15 us 1605, code 15 us 1662 and code 18 us 1028a in the truth in lending act regulation z 15 USC 6801 15 USC 6802 15 usc 6803 15 usc 1681b 15 usc 1681n 15 usc 1681
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| 07/20/2022 |
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 have several accounts on my credit report that do not belong to me. I have been fighting this for months.
These following accounts are not mine : Shabana XXXX XXXX XXXX XXXX XXXX I have no knowledge of these accounts. I have reached out to the creditors but I have not received any help.
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| 07/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Shabana Motors shouldnt be reporting to my credit I no longer have the vehicle broke it was towed away by company
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| 01/09/2024 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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| 08/14/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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| 12/30/2022 |
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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| 01/10/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
Servicemember |
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| 09/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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