Siggi LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
11/17/2018	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CO 809XX	Web	Servicemember
On XX/XX/2018, I, using my Omni Financial ATM debit card ( ending in XXXX ) - that was issued to me on XX/XX/2018, in relation to my having been approved, the same day, for a loan totaling {$520.00}, by XXXX XXXX office of Omni Financial ( of Omni Financial Group that specializes in the granting of loans to retired military members and veterans of the U S Armed Forces ) ; purchased an XXXXXXXX laptop, for anticipated educational training to obtain certifications in various computer applications per the instructions of a job counselor at XXXX XXXX County, Colorado WorkForce Center, along with a pair of XXXX headphones and other items, including but not limited to a laptop bag ( the total cost for which being almost {$400.00} dollars ) from the XXXX XXXX Store in XXXX XXXX, which is situated at XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( phone number XXXX ). The XXXX laptop, that I purchased on Friday, XX/XX/2018, from the XXXX XXXX Store at XXXX XXXX XXXX, began to malfunction, the same day that I purchased it. I then returned the defective laptop to the XXXX XXXX Store, situated at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, CO XXXX, two days later, on XX/XX/2018, as opposed to the actual store from which I bought it. As the # XXXX bus, which is the bus that would have taken me closest to the XXXX XXXX XXXX XXXX XXXX Store, doesn't run on Sundays. As such, I opted to return the item to the XXXX XXXX Store at XXXX XXXX XXXX XXXX. Several days later, however, after having purchased the laptop bag and despite my handling the bag with care, one of the small handles unraveled, prompting me to return the laptop bag, as well, on XX/XX/2018. In that I used my ATM debit card and keyed in my pin number, with which to purchase the laptop bag and the other afore-referenced items, from XXXX XXXX ; by any standard, the purchase was a point-of-sale transaction - the same as cash. This being the case, I expected to receive a cash refund, in return. Even so, I was informed by the XXXX female in-store customer service rep, who processed the return and refund, which was confirmed by XXXX XXXX, General Manager of the XXXX XXXX Store at XXXX XXXX XXXX XXXX, when I returned the laptop to the XXXX XXXX Store, that as of two years ago, ALL ATM debit card purchases, due to complaints from numerous customers who SUPPOSEDLY did not want to be refunded in " cash '' from an ATM debit card purchase, but wanted the refund returned to their ATM debit card ; are now refunded in the exact manner that the product was purchased. Meaning that XXXX XXXX no longer refunds cash money for an ATM debit card purchase, according to Mr. XXXX. As such, Mr. XXXX went on to say that the refund, from my return of the laptop bag, would be returned to my Omni Financial ATM debit card, that same day and " should '' appear in my " checking account, within 3-5 days ''. Mr. XXXX went on to say, that depending upon the bank or financial institution that had issued the card ; in some instances, the monies would appear in the customer 's bank account the same day. Because I had doubts about Mr. XXXX XXXX claims, regarding the method of refund and the number of days that it might take for the refund to appear in my checking account, at Omni Financial ; I contacted Omni Financial, the same day, while still inside the XXXX XXXX Store, where the refund transaction was processed, to ascertain if the monies were there. According to the customer service rep, at XXXX XXXX, with whom I spoke, the refund had not appeared in my account, as of yet. Whether Mr. XXXX meant 3-5 business days or 3-5 calendar days, yesterday morning, Friday, XX/XX/2018, six ( 6 ) days after the refund had been processed and five ( 5 ) business days later, after having already contacted the VERY ARROGANT and VERY NONCHALANT-responding customer service unit employees, at XXXX XXXX ( of which Omni Financial is a member ) at XXXX XXXX to confirm whether the {$27.00} had been put back in my account. Having been informed by the customer service rep, with whom I spoke, that that my balance was - {$3.00} ( the reasoning for which the customer service rep could offer no valid or lawful explanation ) ) and that there were " no pending deposits or credits '' associated with my account, including but not limited to none from XXXX XXXX ( for ( {$27.00} ) ; I then contacted Mr. XXXX to ascertain if the problem lied with XXXX XXXX. A short time later, Mr. XXXX, who claims to have confirmed, with XXXX XXXX corporate headquarters, the correct and timely processing of the refund to my ATM debit card, on XX/XX/2018, then emailed me a copy of the actual transaction, including the " acquirer reference number '' ( Please see attachment ) which he verbalized was provided to him by XXXX XXXX corporate office and appears to show the refund having been actually returned to my ATM debit card, on the same day ( XX/XX/2018 ) when I returned the defective laptop bag. Armed with this information, I then contacted Omni Financial 's office, here in XXXX XXXXXXXX, at XXXX XXXX XXXX, XXXX XXXX, CO XXXX, on Friday, XX/XX/2018, during which time I spoke with " XXXX, '' who claimed that she would need to contact Omni Financial Accounts Payable office, in XXXX XXXX, NY office, situated at XXXX XXXX XXXX, XXXX XXXX, NY XXXX, to ascertain what had happened to my refund ; adding that she would call me back the same day. However, as of the filing of this complaint, I have not heard back from XXXX, regarding this matter. During the same conversation, with XXXX, and considering all of the unnecessary hoops through which I was required to jump and navigate, by Omni Financial, here in XXXX XXXX, Colorado, unlike my XXXX counterpart military members and the impermissible long amount of time that it took, just to be approved for the afore-referenced {$520.00} loan, which I received on the afore-referenced ATM debit card, on XX/XX/2018 ; I informed XXXX, yesterday, Friday, XX/XX/2018, that if the {$27.00} refund was not in my Omni Financial account and if I did not have access to those monies, by this morning ( Saturday, XX/XX/2018 ), she should pass on to the Omni Financial 's XXXX XXXX, New York office, that I would exercise every legal remedy, at my disposal, to TAKE BACK the {$27.00} refund, including but not limited to taking the matter into Federal Court. It is now seven ( 7 ) consecutive days, since the refund was processed by XXXX XXXX, and STILL those monies are NOT showing in my bank account ; neither are they available to me and I do NOT have access to them. Accordingly, I ask that this statement, be accepted as my official complaint, collectively against XXXX XXXX, XXXX XXXX and Omni Financial, for FRAUD and for WRONGFULLY and UNLAWFULLY withholding my monies from me, since I am unable to definitively identify which organization is SOLELY at fault. Either way, as a presently-unemployed, honorably discharged, service-connected, XXXX XXXX female XXXX veteran of the XXXX XXXX XXXX XXXX, whose ONLY income is a small monthly XXXX compensation and XXXX retiree check, from the U S Department of Veterans Affairs and XXXX XXXX XXXX XXXX combined ; to be DELIBERATELY and MEAN-SPIRITEDLY deprived of the {$27.00} refund, feels like being deprived of a monetary windfall. This being the case, and in light of these circumstances, it is my SINCERE hope that whichever organization is responsible for the deprivation that I have described ; they be CRIMINALLY and CIVILLY prosecuted to the FULLEST extent of the law.
03/07/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 23669	Web	Servicemember
XX/XX/XXXX to present date XX/XX/XXXX Amounts : XX/XX/XXXX could not obtain XX/XX/XXXX could not obtain on there website XX/XX/XXXX {$3900.00} amount given interest 35.95 % after payoff total {$6000.00} principal {$4200.00} prepaid finance charge {$310.00} finance charge {$2000.00} XX/XX/XXXX {$2600.00} amount given interest 35.95 % principal {$2800.00} prepaid finance charge {$210.00} finance charge {$1000.00} total payoff amount {$3600.00} XX/XX/XXXX {$4500.00} amount given interest 35.95 % principal {$4900.00} prepaid finance charge {$360.00} finance charge {$2100.00} total pay off amount {$6700.00} Current XX/XX/XXXX {$3400.00} amount interest 21.95 % loan balance as of XX/XX/XXXX {$1100.00} The loan company Omni Financial LLC had a lawsuit against them and they didnt want to continue with court because they know they would have lost due to the findings with their illegal activities. In finding this the consent order found they were in law violation in the conditioning loans to the service members on repayment by allotment, in violation of the MLA and so forth. I am writing a complaint because in reading this I was not informed via mail or email of the changes obtaining to the allotment and should have been notified of the conditions surrounding the fact to continue with the allotment to be notified and was not. Also with the MLA protection they have illegally charged us at the interest rate that of a regular payment ach should have been and have not abided by that. It states in the finding and conclusion as to omni allotment practice section 7 among these protections the MLA makes it ILLEGAL for a creditor such as Omni during the relevant period ( XXXX XXXX XX/XX/XXXX now time frame ) to extend consumer credit to covered members or their dependents if the creditor Requires them to repay by allotment. 10 U.S.C 987 ( e ) ( 6 ) in this section they have violated that during the time frame given was paying the company back via allotment and therefore violation occurred and paid back an extreme amount of funds which was illegal of them to do. Also section 10 state when XXXX XXXX servicmembers and XXXX XXXX members who are covered members apply for loans from Omni, Omni employees tell the covered members that in order to get the loan they must repay allotmentand that is what was done without informing us otherwise of different payment methods. The next section states Omni has benefited from this practice because allotment system helps guarantee payment on unsecured loans meaning that borrowers who repay by allotment have lower delinquency and default rates. And affected consumers have been harmed in the amount of interest and fees paid because they were wrongfully deprived of the option to pay by means other than allotment. Therefore Omni violated the MLA. So in regards to this they violated and kept myself paying through allotment so they can have the interest rate so high and benefit themselves with the extra funds that they could profit. In section 23 of the conduct provisions it states that Omni may not violate the consent order including by conditioning a loan to a borrower who is a covered member under the MLA on that covered member agreement to repay by allotment or 15 U.S.C 1693k ( 1 ) by conditioning any loan on a borrowers agreement to repay by preauthorized eft. They have in this case violated this notice by still allowing the allotment payments to process through. This was a violation. Also 24. States Omni must contact in writing which may be electronic to each borrower who has a loan with an outstanding balance and who as of the effective date is repaying his or her loan by allotment and clearly and prominently : inform the borrower of this consent order and provide a summary of the bureaus findings and conclusions, inform the borrower that the borrower may choose to repay loan using a different repayment method, list all repayment methods available to the borrower and provide a method by which the borrower may elect an alternative repayment option. This was not informed to myself and therefore violated the order because it states may not draft the bank account of a borrower who has an outstanding loan as of the effective date unless Omni obtains a new authorization to draft the bank account and the new authorization must be in writing, which may be electronic and signed by the consumer. This was not the case no notification via mail or email was given. In section 26 may not accept a payment by allotment without first obtaining authorization that is signed by the consumer to repay by allotment. Such authorization which may be electronic must be in a document that is separate from the loan contract document and any other document and must be clearly and prominently disclose to the consumer that repayment by allotment is optional and that the consumer may change his or her repayment method at any time. This was never notified to myself and therefore they did not follow this section because they have continually taken payments via allotment without my consent since this effective date. Therefore violation occurred with Omni. This company has not only lied and deceived so many individuals including myself but has continued to abuse the system and has not abided the rules and continued to take via allotment without consent and informed myself of this order but is also violating the covered members law/rule since I am qualified and covered and has been keeping the interest rate way above what is legally allowed since I have been repaying this business via allotment since XXXX to present XX/XX/XXXX. I was not contacted in regards to being able to change my payment method and therefore feel they have stole more than I owed since I was not given a choice and was given the maximum interest rate. I had allotment set up to make sure payments were good and they had kept interest rate at just below the maximum 36 % interest rate for the MLA law. But appears that since I had allotment this last was broken and they also violated this consent order. I want to see this issue taken to court because they would lose this case and why they have done to not only myself and to the many others is illegal and messed up. They have taken thousands of dollars to make a profit for themselves to bank on top of the payment that I understand comes out to repay any loan. But this is a military friendly business to serve the military and they have intentionally taken advantage of the service members and myself in this situation and they need to be held accountable for their actions and have this issue not just thrown under the rug but taken to court. I went to speak with the district manager of Omni and informed of this and was informed by him that they did no wrong but all the evidence given shows they are wrong and they are guilty for what they did. Please I urge you to do something about this. They have taken so much and are not taking responsibility for their actions. Thank you
12/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 712XX	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 The 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. OMNI FINANCI bal. {$900.00} 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 XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30034	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 , 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. OMNI FINANCIAL & {$5100.00} 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 XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
07/18/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34116	Web	Servicemember
Dear XXXX XXXX XXXX, XXXX XXXX XXXX You broke the law Pursuant to 18 U.S Code 8- The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States XXXX stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps. Pursuant to 18 U.S Code 891 ( 1 ) - To extend credit means to make or renew any loan, or to enter into any agreement, tacit or express, whereby the repayment or satisfaction of any debt or claim, whether acknowledged or disputed, valid or invalid, and however arising, may or will be deferred. Pursuant to 18 U.S Code 891 ( 7 ) An extortionate means is any means which involves the use, or an express or implicit threat of use, of violence or other criminal means to cause harm to the person, reputation, or property of any person. Pursuant to 18 U.S Code 893- Whoever willfully advances money or property, whether as a gift, as a loan, as an investment, pursuant to a partnership or profit-sharing agreement, or otherwise, to any person, with reasonable grounds to believe that it is the intention of that person to use the money or property so advanced directly or indirectly for the purpose of making extortionate extensions of credit, shall be fined under this title or an amount not exceeding twice the value of the money or property so advanced Pursuant to 18 U.S Code 894- Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment shall be fine or imprisoned on this title Pursuant to 15 U.S code 1692j ( a ) - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Pursuant to 18 U.S Code 1961 ( 1 ) - racketeering activity means ( A ) any act or threat involving murder, kidnapping, gambling, arson, robbery, bribery, extortion, dealing in obscene matter, or dealing in a controlled substance or listed chemical ( as defined in section 102 of the Controlled Substances Act ), which is chargeable under State law Pursuant to 18 U.S Code 1962 ( a ) - It shall be unlawful for any person who has received any income derived, directly or indirectly, from a pattern of racketeering activity or through collection of an unlawful debt in which such person has participated as a principal within the meaning of section 2, title 18, United States Code, to use or invest, directly or indirectly, any part of such income, or the proceeds of such income, in acquisition of any interest in, or the establishment or operation of, any enterprise which is engaged in, or the activities of which affect, interstate or foreign commerce. Pursuant to 15 U.S code 1666d- Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall refund any part of the amount of the remaining credit balance, upon request of the consumer ; andmake a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months
07/14/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	VA XXXXX	Web
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. OMNI FINANCIAL OF XXXX XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX XXXX STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
04/22/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	TX 76544	Web	Servicemember
On XX/XX/XXXX, I received a personal loan from Omni Financial of Nevada , Inc. in the amount of {$700.00}. The terms of my loan were that I would pay {$110.00} a month for 7 months by either : allotment through the XXXX XXXX and XXXX XXXX ( XXXX ) or set up Electronic Fund Transfer ( EFT ) through my personal checking account at XXXX. Ultimately, my repayment method was by allotment through XXXX. Omni violated the Military Lending Acts prohibition on requiring repayment of the loan by allotment and the Electronic Fund Transfer Acts ( EFTA ) prohibition against requiring that consumers preauthorize electronic fund transfers as a condition of receiving credit. Omni also violated the consent order that requires Omni to provide notice of the Consumer Financial Protection Bureaus XX/XX/XXXX findings to all customers repaying their loans by allotment. That notice was never extended to me and I wouldnt have known to ask for it. Along with the violations, my first repayment was not to be made until XX/XX/XXXX and my final repayment to be made XX/XX/XXXX. Omni took my first repayment by allotment on XX/XX/XXXX, and two additional payments after my loan was fully repaid by allotment on XX/XX/XXXX and XX/XX/XXXX. I am able to see the XXXX allotment due to my XXXX online account which shows my mid month and end of month pay plus any allotments 7 days before my end of month paycheck. I decided to check that today ( XX/XX/XXXX ) due to the unauthorized allotment on XX/XX/XXXX. The XXXX payment was refunded XX/XX/XXXX in the full amount of {$110.00}. The XXXX payment was refunded XX/XX/XXXX in a partial amount of {$100.00}, I was not made aware of the fact they owed me anything until XX/XX/XXXX, 7 days after the allotment was sent to them. I am unable to get the XXXX payment refunded until after the XXXX as their systems wont receive it until then despite my Leave and Earnings statement showing the future transfer. Omni did not terminate the allotment on their end and never contacted me via phone, e-mail, or my Omni dashboard once the loan was fully repaid to notify me that I needed to terminate the allotment through DFAS if they were unable to do so.
03/08/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28214	Web	Servicemember
We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT I have been actively disputing an account with Omni Financial of Nevada for years. I recently began cleaning up my credit and notice, Omni was still reporting inaccurate information to all three credit bureaus. I requested a verification of debt because I was uncertain the debt even belonged to me with such conflicting information. Recent disputes began in XXXX XXXX. On several occasions via filed disputes, XXXX, XXXX, XXXX and Omni Financial verified the inaccurate data using XXXX and continued to report across all three bureaus. Data provided, did not coincide with data provided through the debt verification. If all three bureaus were receiving different information, this would be impossible. Over the years and especially in the last few months, this willful non-compliance of the FCRA is a violation of my rights. Previous credit reports show Omni was reporting inaccurate data such as high balance, payment amount due, date account was open, date of last payment, amount past due etc. After filing a complaint with the XXXX, Omni Financial updated my credit file, again with inaccurate data. There was even a difference in the amount added to the monthly balance for the month of XX/XX/XXXX across the bureaus. One bureau had an increase of {$100.00} and the others {$100.00}. In addition XXXX and XXXX are reporting a high balance of {$6600.00} on a closed account, and the XXXX is showing a balance of {$0.00}. Instead of correcting the data, Omni, instead chooses to harm my credit file with XXXX, XXXX, and XXXX assisting by validating inaccurate data continuously on my credit file. In addition, when you attempt to contact Omni about your credit file, they say the account was sold to XXXX credit Services, yet Omni is reporting. Please remove from my credit file.
02/02/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	WA 984XX	Web	Servicemember
I have been a customer of Omni Financial for years and never missed a payment until XX/XX/XXXX. I wasnt even aware it happened at first but I had an XXXX set up through XXXX XXXX and XXXX XXXX as I am an XXXX XXXX XXXX XXXX Member of 20 years. It was brought to my attention for some unknown reason my XXXX was either stopped or wasnt paid out on XX/XX/XXXX so I immediately resubmitted my XXXX to be in effect right away and it was successful. My XXXX XXXX did show in XXXX XXXX that the XXXX was re-established and payments was active again. We just had XXXX deaths in our family, my mother died XXXX XXXXXXXX and father-in-law XXXX XXXXXXXX XXXX XXXX XXXX XXXX and it caused great hardship on our family. I have had an excellent record in my payment history with Omni and recently was notified I was entitled to check payment due to lawsuit with Omni. I called Omni and asked if it was possible for them to please be forgiving and remove the late payments from my credit and I doubled my monthly payment to {$750.00} to make up for the payment missed by error. They confirmed they received it and we was current now but refused to help assist with the removal of late payments. I am XXXX in XXXX and will be leaving the XXXX and I need to buy a home for us and this is really impacting the loan and even if I have to lease until the late payments are removed it also may impact someone from leasing to us. We will have nowhere else to go. We always lived on XXXX XXXX and dont have rental references. Im praying you can assist us and they will be forgiving and remove those late payment flags on our credit bureaus. I have been a good customer over the years and it was heartbreaking that wouldnt even think of helping us. I have all statements from my pay showing its been paid before XX/XX/XXXX on time and ever since XXXX after that one payment default has been on time. Thanks for listening and hope you can assist. The monthly payment allotment is {$320.00} per month and I paid {$750.00} in XXXX and after so knew they received the current and last due amount I then entered the correct payment of {$320.00} to start again in XX/XX/XXXX.
01/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 32210	Web	Servicemember
Omni is refusing to send out a payment letter or shown its been paid by third party. They said I had to payback the lawsuit check as well. I just paid over XXXX and they are denying my proof of payment Dear XXXX XXXX XXXX, We received your recent request and need to speak with you concerning your request. Please be advised your account is held with XXXX XXXX XXXX. You can reach XXXX at XXXX. We may need to verify personal information in order to process your request. Thank you for choosing Omni Financial. Sincerely, 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 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 Creditor : Omni Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX We have received our payment of $ XXXX. The account is paid In full Once the funds clear and the proceeds are applied to vour account. vour account will be considered closed For information concerning your account, phone me at our toll free number XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. PLEASE REFER TO REVERSE SIDE FOR IMPORTANT INFORMATION De PLEASE DETACH AND RETURN BOTTOM PORTION WITH PAYMENT. KEEP TOP PORTION FOR YOUR RECORDS. Creditor : Omni Financial XXXX Account # : 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 VISIT US ON THE WEB XXXX XXXX by using debit, credit, or XXXX. Please note, paying by credit card is only for select creditors
03/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 290XX	Web
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
03/02/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	VA 23320	Web	Servicemember
This company is reporting 14 thirty day late payments on my XXXX credit report for a loan that was taken out on XX/XX/XXXX. On the day the loan was taken out, one of the representatives informed me that I had to sit at one of the computers they have set up in their office and set up automatic allotments to get the loan repaid before I would be allowed to leave the premises with the loan check. As I was XXXX XXXX military at the time, I logged into my DFAS account right then and there and set up an automatic allotment for the amount of $ XXXX monthly. This account was paid every month using this automatic payment. This account was closed in XX/XX/XXXX due to the balance being paid off in full and I even received a refund check as the allotments were still being paid for even after this account balance was at XXXX. I filed a dispute with all three credit reporting agencies as well as the XXXX on XX/XX/XXXX. XXXX about the false reporting of several late payments on this account. On XX/XX/XXXX the company responded to my dispute saying that I missed one payment on XX/XX/XXXX yet they are reporting 14 late payments on XXXX and placed a remark stating " no more than two payments missed '' on my credit report. After continuing to dispute this information, the incorrect payment information was deleted from XXXX and XXXX, but the company failed to remove it from XXXX. Also, even though this account was closed with a {$0.00} balance on XX/XX/XXXX, they reported a 30 day late for XX/XX/XXXX as well as for XX/XX/XXXX. This company is in violation of the FCRA and reporting incorrect information on my XXXX credit report.
07/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NV 89701	Web	Servicemember
The company reported to both XXXX and XXXX that my payments were late from XX/XX/XXXX-XX/XX/XXXX, three times as late by XXXX days then twice as late by 60-89 days late. I had paid on this loan within the XXXX day mark mid-month and paid it in full XXXX. Originally, this company re [ ported my account current but then when I received the 60-89 days late status to XXXX and sought an investigation, the company retracted my current status ' from XX/XX/XXXX-XX/XX/XXXXas late for all three months, thus prompting me to believe this was in retribution. I paid this on this account XXXX XXXX to cover any late fees and past due balances to ensure my account was not only paid for said month but had enough to be extra careful. Furthermore, I had taken on a new loan late XX/XX/XXXX ; said company is still reporting on my past loan ( the one I was just discussing ) and decided to report my status as 60-89 days late when I have a new loan established. My complaint is as follows : 1. My account balance was current for the months of XX/XX/XXXXand XX/XX/XXXX. 2. My account was not delinquent by 60-89 for XX/XX/XXXXand now, XX/XX/XXXX. I paid off my loan in full and closed the account during XX/XX/XXXX; my new loan was just establishedXX/XX/XXXX and was absolutely current for XX/XX/XXXX. I spoke with a company representative and asked for COVID impact relief over a late payment from XX/XX/XXXX, to which they said they would not offer. They did not take into account my active military status and would not offer any assistance. This is also the case for all this malice and everchanging credit reporting going on currently.
01/05/2021	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	VA 22315	Web	Servicemember
The loan was taken from Omni financial of Nevada, in which they have given the debt to a company named XXXX XXXX XXXX XXXX. I spoke with a lady name XXXX XXXX on XX/XX/XXXX, she " stated '' that she has to put a request in for the manager to contact Omni in order for them to send me any statements or a copy of the contract. I was able to get their address which is XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I did follow up on XX/XX/XXXX regarding if they were able to send me the statements and Omni told them " that they are not going to send out any documentation due to me being stationed in Hawaii because it was a personal loan through the Hawaii internet lending '' and they gave XXXX XXXX a " verbal '' of why I owe the money with no documentation. The total amount is {$8000.00}, and the account went into collections in XX/XX/XXXX. XXXX XXXX received the account with a balance of {$4800.00} and they are charging me {$3100.00} in interest and Omni is only willing to settle for {$6000.00}. As of today, XXXX has the loan reported as a note loan that was closed on XX/XX/XXXX, and has been charged off since XX/XX/XXXX. The original balance of the loan which XXXX has reported as of XX/XX/XXXX was {$3300.00} with a past due amount of {$8500.00} with an interest rate of 33 % I believe. I have spoken with a Jag attorney ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ) he has requested me to submit a complaint with the CFPB.
09/22/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 31312	Web	Servicemember
When I was in the military I took out a loan with omni Financial. I filled out all the paperwork and I also had XXXX insurance on the loan I payed the loan for years and refinanced several times and never been late. I got severely hurt in the military and became XXXX when I was XXXX I told omni they sent me a XXXX letter to fill out and send to the insurance company so they could dis charge my debt. When I called to get help with filling out the paperwork the representative told me I did not have insurance and she did not why the other rep gave me that info I explained to her that I get Inuance on all my debts because I 'm a XXXX and at any point any thing can happen to me. I was very upset because I paid all this mo ey every month and never late plus I p a I 'd extra for the insurance for them to tell me that I dI 'd not have it to make a long story short I pleaded with them I told them that I did not k ow when my va XXXX payments would kick in could they at least lower my payment of XXXX a month they told me no I paid as long as I could and then I had no more out of my savings to pay I am big on my credit and I always pay what I owe but the fact that I been payi g for XXXX insurance I feel that they did me an injustice I paid more than 150 percent Interest on a XXXX dollar loan they took my money and messed up my good name and credit I spent 14 years defending my country just to lose my ability to walk and my good credit history and good name I feel I been ripped off and robbed.
08/23/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	VA 221XX	Web	Servicemember
Since XXXX of 2019, we have been struggling to deal with Omni Financial. My husband is XXXX XXXX military and after learning about the Service Members Civil Relief act and the Military Lending act, we realized that our experience with them has been unlawful. Unfortunately, we were taken victim by them several times. Seven in fact, because we simply couldn't pay our bills. Our interest rate has always been at 36 % with them. Which should have obviously sent a red flag from the start. Not only because 36 % is astronomical, but because it is the exact limit that they can charge my husband. Each time we applied, they told us that we had to set up direct deposit from my husband 's check. At the time, I didn't realize that was a violation under the MLA. I have tried several times to contact them regarding my concerns, however it's obvious that I'm being blatantly ignored. The last request was ignored for an entire month until I had time to sit down and call several times in a day. Still I was told that I would receive a response, and nothing. This morning she actually got back to me and tried using the term " obligation '' as a loophole in the law. She explained that there were no goods or services involved in our loan, so therefor, she didn't have to entertain my request. In addition to all of this, my husband 's home of record is Ohio. Ohio is a key provision state that protects debt acquired during XXXX XXXX as well as prior to XXXX XXXX.
02/24/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 230XX	Web	Servicemember
In XX/XX/XXXX I enrolled in XXXX XXXX XXXX. I included a loan with Omni Financial. In XX/XX/XXXX I contacted Omni and made them aware that I enrolled this debt into the program. I also told them that XXXX XXXX would be the point of contact and they would receive information on this in the mail. There have been several phone calls and threats of calling family members that we listed as references. We contacted XXXX to ensure they were going to contact Omni Financial. XXXX told us that they sent them a letter as well as a power of attorney acting on our behalf. Last month we had this conversation with Omni Financial and stated that they were not allowed to contact our references on our account. Today ( XX/XX/XXXX ) Omni attempted to call my house phone, with a private person 's cell number that I did not know. XXXX XXXX XXXX. Then she proceeded to call my mother in law at XXXX. My wife called her back and again, we explained the situation and that this debt is enrolled with XXXX XXXX and that they have been told before not to contact our references. I explained that I was going to contact your agency because this is harassment. We have been in contact with this company from the beginning. They are supposed to communicate with XXXX XXXX.
07/17/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AL 368XX	Web	Servicemember
When I first joined the United States XXXX I received a loan from OMNI FINANCIAL they set up auto payments thru allotments, I was having pay issue which I wasnt getting paid so of course if I cant paid neither can they but this was due to finance department not on my behalf, I recently started checking my credit report and noticed they are reporting charged off account of {$3600.00} with a PAST DUR BALANCE OF {$7300.00} now if not mistaken a account can not be REPORTED PAST FOR IF ITS CHARGED OFF VIOLATION OF FCRA and XXXX .. also noticed that they violated another enforcement by recovering payments via allotment The Bureau is authorized to implement and enforce Federal consumer financial laws, including the Consumer Financial Protection Act of 2010 ( CFPA ), for the purpose of ensuring that all consumers have access to markets for financial products or services and that those markets are fair, transparent, and competitive. Among other things, the CFPA prohibits unfair, deceptive, and abusive acts and practices in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service. 12 U.S.C. 5531, 5536 ( a ) ( 1 ) ( B ).
04/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30134	Web	Servicemember
I paid off a past due account on XX/XX/XXXX totaling {$1000.00} in preparation of purchasing a home. After I purchased the home in XX/XX/XXXX I later disputed the account the following year and the company updated the account incorrectly having it show that I was delinquent in year XXXX when I disputed it. I disputed the account again and the company updated the account for this year XXXX. The account was first opened well over 7 years ago and should not be on any of my 3 reports. I recently disputed and sent communication copies of emails and letter of explanations I had with XXXX XXXX XXXX XXXX. The account was paid in full and had to be paid in full in order for me to qualify for a home loan to purchase a home XX/XX/XXXX. This makes like my 5 or 6th time trying to resolve this issue. To note : I did manage to make an account online but the loan paperwork nor documents would not download. I'm guessing that since it dates back around XXXX, the records may not be available for the consumer anymore. Year XXXX was the last time I received a loan from this company. I fell behind after that loan but paid it off in XX/XX/XXXX after receiving VA XXXX compensation.
12/10/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem with additional add-on products or services	NC 28547	Web	Servicemember
I have been a customer of Omni financial beginning XX/XX/2019. Since this time I have taken out 2 loans with their company and have made all payments on time. I am XXXX XXXX military and recently applied twice to have XXXX XXXX civil relief act ( SCRA ) benefits applied to past and present accounts in which my interest rates would be capped at 6 %. I provided all necessary documentation in my request including the state references that extend benefits to service members whose home of records fall within the key provision states. Certain states extend XXXX benefits to loans that were acquired during XXXX XXXX service, Ohio being a key provision state. I provided all necessary documentation with my request to Omni Financial specifically stating my request and was met denial from the XXXX compliance and risk XXXX, XXXX XXXX each time. My requests were very detailed in the explanation of the extended XXXX benefits provided by the key provision states and each time XXXX XXXX XXXX deliberately ignored any acknowledgement of those benefits. I am hoping to receive some assistance with my complaint regarding this matter. Thank you and have a great day.
05/18/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80918	Web	Servicemember
I XXXX XXXX XXXX . According to my credit report this loan was opened XXXX XXXX XXXX . The original loan amount was XXXX , and now it shows XXXX . I did not take out this loan considering i was XXXX to XXXX . Neither did my spouse. I ca lled Omni fin ance of cali and they said they no longer have this account and it was given to XXXX XXXX . I called XXXX XXXX to get proof of my getting this loan, i.e. signed documents and i.d . used and they say they can not provide this documentation. They said i have to ask omni of cali. XXXX only provided a typed pap er with my name on it and the amount, no signature or social or anything. Anyone can just type a piece of paper. Omni of cali refuses repeatedly to provide any documentation. Calling both companies repeatedly has resulted in the same problem, nobody can provide this documentation. I disputed with XXXX several times and they said if omni said it 's valid then they take their word on it. This is not ok in any way whatsoever. If you can not provide any signed documentation and the id used to get this loan, then take it off of my credit report.
02/19/2023	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 358XX	Web	Servicemember
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately. The company removed the account from my credit report and added it back as an open account without my consent or knowledge. I have disputed for inaccuracies and inconsistent reporting on my consumer report.
08/23/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	MD 207XX	Web	Servicemember
Today, I got a message from my dad that XXXX XXXX, an employee at Omni Financial, was trying to contact me from an Alabama number today, XXXX XX/XX/2023. I call back at XXXX EST and reach her. She said she called my references because I was 23 days past due. I explained not to do that because my father is XXXX and will worry. And also explained that I am going through a hardship but will pay on the XXXX. She states that the company had been directed to call several times and I told her thats against debt collection practices you cant even call 7 times in a 7 day period she starts cussing at me saying all types of curse words at me I yell at her back like what is happening I cant believe this?! She then hangs up on me. I call back to leave a message for her supervisor. This is unacceptable and unsatisfactory for buisness practice to treat members of the military or anyone for that matter hardship or not this way. It is unprofessional it is disgusting and I am not even 30 days past due as of today. Something needs to be done asap.
12/09/2019	Yes	Debt collection Payday loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	KS 664XX	Web	Servicemember
I have a loan through Omni Financial in an approximate amount of XXXX dollars. The company told me that I had to make an allotment or they would go to my bank and take money directly from my account. Not realizing that the actions done by Omni were illegal my financial adviser seen this allotment and told me to terminate it immediately. As well an employee from Omni spoke to her husband to contact me about paying the loan. around the end of XXXX I revived a phone call from her husband which is my co worker as well.Telling me that I need to answer his wife and pay Omni. Once I got off the phone with the husband, my spouse immediately told me to go see JAG. The JAG office told me that Omni violated the fair debt collection act and need to speak with my financial adviser also write a letter to Omni on why they will not be receiving funds from me. I have not written the letter yet, I do need further assistance with what to put into the letter. My financial adviser directed me to one of your agents to get further help.
06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77396	Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
01/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 358XX	Web	Servicemember
I have reviewed my credit report and saw numerous of inaccuracies on my report. Omni financial are reporting several inaccuracies to begin with monthly payment {$170.00} with XXXX and $ 0 monthly payment with XXXX and XXXX. How is it I have a balance due when I had monthly payments of {$0.00}. Also, the balance and past due amount for XXXX is significantly different from the other two credit bureaus. Date of last active for XXXX is significantly different from the two, reporting XX/XX/XXXX whereas the the other two are reporting XX/XX/XXXX! That is totally false being nearly a year apart! Not only that the date of last payment has inconsistencies showing XXXX XX/XX/XXXX while the other two XX/XX/XXXX. To conclude my review if a company does a charge off they are to send a XXXX which the company failed to do so. I would like this account removed from my credit for violating my rights and publishing false information on my credit report.
01/02/2021	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	AL 36869	Web	Servicemember
I am a XXXX veteran living in XXXX XXXX Alabama. I am seeking your assistance in regards to illegal practices of Omni Financial of Nevada , Inc. After extensive research, I have found that Omni Financial has and still is violating a number of federal and state codes. On XX/XX/XXXX I received a loan in the amount of {$2000.00} ( principal amount of XXXX ) from their office formally located at XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX What I discovered was Omni Financial was not registered to operate until XX/XX/XXXX. I unfortunately defaulted on the loan due to lack of income. Since then the original amount to pay back has jumped to {$16000.00} ( {$8500.00} in interest and late fees added each month ). There was a recent Administrative hearing held by the Bureau of Consumer Financial Protection in which they found a number of Omni Financials practices illegal. I ask that you review the attached documents and provide any assistance you can.
01/26/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AE XXXXX	Web	Servicemember
I am XXXX XXXX Military. In XXXX I took out a personal loan with Omni Financial for around {$8000.00}. In XXXX started going thru a Divorce. I stopped making payments late XXXX, Omni continued to charge interest despite me calling multiple times and asking for the interest to be stopped and for a payment plan. The loan sat at around {$13000.00} at this time. I XXXX overseas in XXXX until summer XXXX. I contacted XXXX several times trying to come to a resolution. All while interest continued to accumulate. Today, XXXX XX/XX/XXXX I called in an attempt to set up some kind of payment plan. XXXX refused, my current balance is {$23000.00}. I was given the option to restart normal monthly payment of {$480.00} ( keep in mind its over {$300.00} a month in interest at this point ) or to pay a settlement of {$18000.00}! More than double the amount of the original loan! XXXX also refuses to provide any documentation, IE original loan documents.
05/01/2019	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	HI 96818	Web	Servicemember
The initial loan taken out in Virginia was made by me in store. There several other loans that were taken out in my name that do not match my bank statements. There are no deposits to my account on dates that have loans taken out by OMNI financial. I spoke to company to try and pull loan documentation they sent me over loan papers that dont even have a signature and some that dont match my signature. The initial store doesnt exist no more so they said that those documents they can not find. I have been paying this loan off for years and should have been done. This is directly affecting my lifestyle in the military. I cut the loan off from direct deposit because I shouldnt have been paying this loan for these many years. The company is not trying to help at all every time I speak to someone they just ask where is the money. It took them so long to just send the statements I asked for twice.
05/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web	Servicemember
This company keeps reporting on my credit an account that I do not owe them on. I have contacted this company numerous times requesting information ( identification used, signatures, ect ) that was obtained in establishing this bogus account. This company has not removed this item from my credit, now have they provided any identification or signatures used to establish this account. The company is involved in illegal practices including re-aging credit. The company told me that they are not bound by the same fair credit reporting as any other agency and do not have to take false items off my credit report. I have disputed this item with XXXX and they are not doing a thorough investigation because if they have, it would be removed from my credit as this item is false and this company is irrational, uses unfair practices against consumers, and thinks that they are above the law.
04/25/2020	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	GA 30058	Web	Servicemember
Omni Military loan reported the same collects twice on my credit. I tried to call them but the call sent me to sunrise bank. I explained to them what happened and they told me they cant do anything about it. I asked to speak with their manager and they told me they cant give me his number only email. I emailed the manager proof and explained to him that it is the same collection and amount on both accounts. I only owe one balance of {$2000.00} not two. With XXXX and XXXX they have a complete account number. With XXXX they have reported it without the XXXX Infront of the account number. The manager told me they will not remove anything. The next morning they called me back to arrange payments. I asked them to give me the number for Omni they told me they cant give me that number. The spoke with Omni Financial themselves and they told me that Omni will not remove anything.
07/29/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 33619	Web	Servicemember
I obtained a loan from Omni Financial ( Military Loan ) for {$4700.00}, I could not meet my obligation due to loss of employment. When I contacted Omni Financial to work out a payment plan or alternative agreement, Omni Financial refused to work with me. The maximum interest rate that Omni Financial advertise is " from single digits to 35.95 % ''. The loan was established XX/XX/XXXX & the term was for 25 months. As of XX/XX/XXXX Omni financial is reporting a balance of {$13000.00}. The balance increases every month as well as updates to the three major credit bureaus as a charge-off with multiple errors ( date of last payment, loan start date, original balance, date of last activity ). Omni did not prominently display a full and accurate schedule of interest rates and other charges, in order for me to justify & understand a 185 % increase from the original balance.
03/25/2022	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	TX 77494	Web	Servicemember
Omni Financial, XXXX North Carolina, started reporting an old debt that I originally was not able to pay starting in XX/XX/XXXX. On my credit report they closed the original account in XX/XX/XXXX and re-opened another in the same month, placed it on my credit report and began reporting as a charge off every month since XX/XX/XXXX. XXXX has not conducted a thorough investigation to conclude that what the company is reporting is accurate and correct. As of today XXXX they have hit my credit again dropping it by XXXX points. This was incurred over 7 years ago, I kindly and plead with the CFPB to force XXXX to do a thorough investigation and remove this account from my credit report. As of today, Omni Financial has changed all of the charges they had on the account with XXXXXXXX XXXX and current update as of XX/XX/XXXX.
10/10/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 314XX	Web	Servicemember
On XXXX I was given a loan in the amount of {$3700.00} by Omni Financial, I had made several payments since the start of the loan and called to see what my current balance was only to hear that it was still {$3000.00} and change. I asked if there was a way to pay more monthly and was told that the allotment amount couldn't be changed. I was told I had to set up an allotment and have the monthly payment come out of my check every month as the only way to pay back the loan. I came across the Military Lending Act which states " No mandatory allotments. A creditor cant require you to create a voluntary military allotment in order to get the loan. An allotment is an automatic amount of money taken from your paycheck to pay back your loan. '' I believe Omni Financial has violated this act.
10/31/2022	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 78109	Web	Servicemember
Omni financial keeps reporting that I owe a ridiculous amount of money. The original loan wasnt for the amount they are reporting however they keep reporting that I owe them over XXXX XXXX In XXXX last XXXX they reported I owed them XXXX and now they say XXXX when this loan has been closed for XXXX. They also keep reporting that my payment is late every XXXX drastically ruining my payment history on my credit report when this account has been charged off for over XXXX XXXX!!! It is fraud to report that I am late more than XXXX XXXX and ruin my payment history. This company is fraud and takes advantages of soldiers. They were also involved in litigation for over charging soldiers. They also are charging XXXX XXXX interest instead of the XXXX XXXX mandated by XXXX. Frauds!!
10/18/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NY 11373	Web	Servicemember
Good afternoon the company below is still effecting my credit. The debt has been in default for more than 6 years. The last payment was made on XX/XX/XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX Owner XXXX XXXX Credit Limit Account Type INSTALLMENT Terms Frequency MONTHLY Term Duration 2 Balance {$4700.00} Date Opened XX/XX/XXXX Amount Past Due {$4700.00} Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount {$140.00} Months Reviewed 4 Delinquency First Reported XX/XX/XXXX Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount {$1900.00} Balloon Payment Date Balloon Payment Amount Loan Type Note Loan Date Closed Date of First Delinquency XX/XX/XXXX
01/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 319XX	Web
I had a collection account with XXXX XXXX XXXX where in XX/XX/XXXX I sent a certified mailed letter asking for them to validate the debt with my signature stating I owed them. They failed to respond. I contacted them in XX/XX/XXXX and was told they are still awaiting the information from the original creditor Omni Financial, but got no response. In another attempt, I filed a complaint with CFPB against them ( complaint XXXX ). They responded by stating they aren't reporting to any credit bureaus which is false. I contacted them again and a supervisor refused to get on the phone stating I needed to contact Omni Financial. I have contacted Omni financial on multiple occasions, and they have told me the debt was purchased by XXXX XXXX XXXX.
08/26/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	VA 23451	Web	Servicemember
I was trying to purchase a vehicle from XXXX XXXX. I was told that I need another XXXX because of the negative equity in my trade-in. the salesman told me to go to Omni financial so I did I did n't purchased anything for this loan it was just a consumer loan so the guy from Omni financial sat me at a computer told me to put in my XXXX card and went through the paper work for the loan and he did n't explain it basically he just said parts and said if you want to read it you can but I already summarized it for you so he had me set up a allotment for XXXX every month so after everything was done he gave me a envelope with all my papers work in it and gave me a card to use to get the money off of it he told me I only was approved for XXXX.
04/13/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	NY 11203	Web	Servicemember
The loan account ( account # XXXX ) from this creditor ( Omni Financial XXXX/Omni XXXX ) was paid off via a collections agency ( XXXX XXXX XXXX ). The collection agency claims to have reported the paid off debt to the creditor, yet the creditor insists on not having such information in order to update the credit bureaus. After repeated calls and referrals back to the same collection agency which collects debts for Omni Financial XXXX/Omni XXXX, I 'm left with very little options. As 0f XX/XX/2017, none of the major credit bureaus have received an account update message from Omni. I have a paid in full/XXXX balance receipt from XXXX XXXX XXXX with Omni Financial XXXX listed as the original creditor to substantiate my claim.
09/27/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 796XX	Web	Servicemember
Omni does not provide any loan information as to current balance, interest rates, payment amount for my loan online, nor do they send mailed statements. I have called numerous times with no answer and have not received a call back. I am unsure of any of my loan specific information and do not have access to it. Omni said when I opened up the loan, I was encouraged to setup an allotment. That is what they specifically stressed. They also said if I stopped the allotment at anytime, they would debit my bank account for the amount. I am trying to set up my payment via check or automatic bank transfer and fear they will debit my account more than once. I am trying to talk to someone at Omni to avoid this potential issue.
03/04/2022	Yes	Money transfer, virtual currency, or money service Refund anticipation check	Lost or stolen check	NC 28314	Web	Servicemember
In the Matter of CFPB v. Omni Financial of Nevada XXXX Inc., also doing business as Omni Financial and Omni Military Loans File No. XXXX Dear CFPB, I am sending you this letter/email to see if I qualified for the lawsuit that was filed against Omni Financial. I have gotten multiple loans from them between the years of XXXX and XXXX. My customer number for them is XXXX. If I was eligible for the refund the address is incorrect. I was XXXX and had to change addresses. My old address was XXXX XXXX XXXX XXXX XXXX nc XXXX. My new address is XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX. If the check was sent to the previous address I can not obtain the check. My name is XXXX XXXX XXXX. XXXX In the United States XXXX.
05/25/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KY 42223	Web	Servicemember
Omni financial loan was charged off in XX/XX/2018 to collection agency called XXXX XXXX XXXX it is still reporting late every month on credit report. Spoke to collection agency that took over original account 3 times asking them to provide documentation of when this was turned over to their offices they refuse to provide anything with this information on it. They refuse to offer a pay to delete to pay it in full to have it removed from my credit as well. Amount due is now {$3500.00} Amount has been increasing in interest although it is charged off and is more than what was borrowed. This company has been ordered in court to pay out a settlement to service members in the past as well for their corrupt ways.
01/10/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	CO 80016	Web	Servicemember
I defaulted on a loan with OMNI Financial around 2013. It was a military loan where they take out a monthly allotment. The value of the loan was probably around {$4000.00} at the time of default. Now they charge me an unfair late fee of {$180.00} a month which over 3 years has now become over a {$13000.00} debt. I believe this is ridiculous and unfair for the service member to even attempt to repay. I would be more than happy to settle the loan at the original amount but I m not willing to give into this crazy markup of late fee 's. I Do not know if it is even legal for them to charge an 80 % interest rate on the loan and than add a 50 % mark up on the payment. Thank you for your time and assistance.
07/14/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TN 37042	Web
On XX/XX/XXXX, I contacted Omni Loans which specializes in military lending because not many companies offer loans to Soldiers due to the Military Lending Act. I was told I couldn't apply for a loan because I was permanently ineligible to apply for a loan because I cost the company money back in XXXX of XXXX. Now under the Equal Credit Opportunity Act, I am to be offered a fair opportunity to apply for credit without being discriminated against. I feel that is happening here. Prior to XX/XX/XXXX, I was a loyal customer and I paid my bills back on time ; I had a good track record with the company but something bad happened to me and I had to file for a XXXX to mitigate future damages to my family.
03/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	WA 983XX	Web	Servicemember
On XX/XX/XXXX XXXX I entered into an agreement with OMNI XXXX XXXX for personal loan that required an allotment to be setup for payment and bank account information submitted for backup payment. On XX/XX/XXXX I learned that OMNI XXXX XXXX were potentially violating the Military Lending Act by doing this. This is still the method that they use today and I was never notified that it was not a requirement or not allowed in accordance with 10 U.S.C. 987 ( e ) ( 6 ). Also that having my bank account information for repayment was in violation of 15 U.S.C. 1693k ( 1 ). My loan was finally paid off on XX/XX/XXXX and I have stopped the allotment and now feel comfortable to report their practices.
04/04/2017	Yes	Payday loan	Payment to acct not credited	CA 90250	Web	Servicemember
I had a loan with Omni while I was XXXX at XXXX back in XX/XX/2010. When I went into the office to let them know that my allotment was accidently deleted, and that when I started it back up, it may or may not post by the due date. Once I realized the payment never came out, I went into the office to make the payment. They told me it wouldnt be an issue. I later realized they dinged me with a 30 day late payment, and I have been fighting them ever since to remove the 30 day late remark. I made every payment on time with no issue, and it has been 7 years since that account was paid in full. I have tried numerous of times to get this account resolved, with no help from the company.
01/02/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NY 136XX	Web	Servicemember
I took out a loan with Omni Financial in XX/XX/XXXX and it eventually went into a charge off status in XX/XX/XXXX with a balance of {$3500.00}. Every month since then they have been charging me all types of fees and reporting it to the Credit Bureaus to now my balance is up to XXXX. If the balance is was charged off how can they still add all of these fees to a loan. I have tried calling them but it only sends me to a collection agency that has been nothing but RUDE! I tried sharing I went through a XXXX divorce and am XXXX XXXX XXXX from the VA. I am in the process of trying to purchase my first home and having this increase monthly with fees is damaging my credit score.
08/11/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	GA 31907	Web	Servicemember
Currently I have a loan with Omni Financial here in XXXX XXXX I took out the loan for XXXX back in XXXX. I re did a loan in XXXX of XXXX which only added XXXX dollars. Looking now at my monthly reports the interest rate of this loan is XXXX XXXX and it is saying I owe over more than XXXX with my monthly payments of XXXX. I have been trying to knock it down but havent been able too with the highest interest rate I have ever seen. My loan should of been paid off by now but I havent by their standards even made a dent into it. Omni Financial was in for an investigation plus bankruptcy because of the XXXX business they were doing. I just dont want to be another victim to them.
03/15/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 31602	Web	Servicemember
MLA and SCRA caps interest at 36 % This company set an interest rate for loan at 35.950 % plus a prepaid finance charge of XXXX and APR finance charge of XXXX. During this time my allotment was not sending payments for some reason. Omni financial failed to utilize my bank account listed as a backup option to draft funds for payment. Instead, they practiced dishonest measures to tact on more interest, significantly exceeding the 36 % percent cap and creating a balance that is consistently gaining interest despite monthly payment. Omni Financial is targeting military members with their extreme dishonest lending practices. Omni has violated Military Lending Act. Please Help!!
05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72206	Web
In accordance with the Fair Credit Reporting act Omni Financi, has violated my rights. Omni Financial XXXX lost a lawsuit due to illegally charging interests and fees on loans. I was refunded {$1400.00} for part of interest and fee due to their illegal practices. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
01/28/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TN 37042	Web	Servicemember
Omni loans are refusing to provide me with a loan because of a prior bankruptcy. In XXXX of 2015, I had to file a XXXX XXXX because of some personal reasons and part of the roll-up was a loan a had with Omni. Prior to XXXX XXXX, I had a great XXXXyr relationship with the company but like I stated personal things happened and I had to file for a XXXX XXXX. I am not supposed to be discriminated against because of past events and under the Equal Credit Opportunity Act this is not to be. They are targeting my character and this is a direct violation which the law clearly states it is not allowed.
01/04/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC 29045	Web	Servicemember
I applied for several loans of Omni Financial of Nevada , Inc. back on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. The loan amount was {$3300.00} in total. My monthly payments were set up for {$150.00} out of my military checks twice out of the month. Then, it jumped up to {$190.00} twice out of the month later in the year of XXXX. They also have me on a extremely high interest rate of 33.122 % and taking out interest accruals. As a XXXX XXXX XXXX, my interest is not supposed to be that high. They also don't have all the documents on your account that you can see online. It stops at a certain date.
03/02/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	VA 23803	Web	Servicemember
I had a personal loan with Omni Financial back in 2020. I paid the first loan off and was asked if I wanted another loan. I said yes because I needed the money at the time. The process was quick but there is currently a very high interest rate of 35 % which makes it extremely hard to pay off. They also used an allotment to do so. They call during work hours which interrupts my daily duties. I am a member of the XXXX XXXX so I did not expect to be hit with an APR this high. I have never had an APR to be this high in my adult lifetime. I really need some help in getting this situated.
04/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80921	Web	Servicemember
XXXX is reporting a duplicate Omni Financial account on my report. The accounts have the same exact account number, same payment history, except one was paid off and closed in XX/XX/2018 and one still has a balance of {$950.00}. I have no open account with Omni Financial. I have called Omni and notified them of the problem, they insist they are reporting it correctly and it is on XXXX to fix. I disputed it several times in writing with XXXX and they insist that is how Omni is reporting it. Neither are willing to correct it and it is unfairly hurting my credit score.
09/21/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	TX 77035	Web	Servicemember
I am XXXX XXXX, a natural person & a consumer. I decided to do business with this company, received the funds & saw in the contract that a finance charge was included. According to the truth in lending, the finance charge is the sum of all charges which means I should not have to pay cash. Everything is paid for with credit, I reached out to the company to let them know that & all of the laws that theyve violated & also sent them an invoice. They replied & said that theyre not subject to the FDCPA laws, and continued to take {$200.00} out of my account.
01/25/2018	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 30549	Web	Servicemember
This company charged me an high interests and i know its wrong this account was deleted and somehow reinserted back on my credit report. The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XX/XX/2010 it has a balanced of {$4700.00}. I'm aware of the breach that happened to XXXX and the other credit burears as well, I would like to have this problem solved in a timely manner bc im going on with my federal tort claim suit i didnt consent to alot of things
11/01/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37042	Web	Servicemember
Omni financial has destroyed my credit. When I was stationed at XXXX XXXX they made me give them my payroll information from dfas as well as my banking account info. I was recently told XXXX was sued for violated MLA laws, as well as violated EFTA and the CFPA laws. They charged me interest on my loan that was twice the amount of the loan itself. Theyve been reporting on my credit for years. I refused to pay my last payment of {$100.00} dollars, and attempted to fix the issue at a location by paying on the spot in the store but was turned away.
03/04/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	GA 31419	Web	Servicemember
To whom it may concern, I have paid off a few Omni Financial loans during my time in the military. I see there is an lawsuit against Omni Financial. I'm inquiring about the overpaid interest that customers were recieving refund checks from the overpayment for interest on the loan by the company. I have moved a few times since my first loan years ago and injuring if this applies to me as well. If so, please see my contact information below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Very respectfully, XXXX XXXX
02/11/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	GA 30549	Web	Servicemember
The statue of limitations of this loan is 6 years to collect in georgia accordinally to the Fair Debt Collections Practice Act. It was opened around XX/XX/2010 it has a balanced of {$4700.00}. Section 808.. 15 usc 1692g talks about debt validation and i recently sent a complaint with the company they sent me paperwork and statemeny but it was not the original contract with my signature so its not validated also, they tried to get me to start over with this debt frame so i will not have the statue of limitations on this account
11/03/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	FL 32210	Web	Servicemember
according to loan documents from omni financial a service member who was XXXX released is no longer held liable for making payments on their loan, that is the reason for the insurance on the loan. for almost 6 years Omni financial has been trying to collect a debt from me, even though i contacted them on several occasions stating and providing documents ( dd 214 ) showing i was XXXX released from XXXX XXXX XXXX due to XXXX reasons. Under the SCRA i can not be held liable due to the fact i was XXXX discharged
08/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 370XX	Web	Servicemember
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Omni Financial Of XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacv. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose
10/31/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 32233	Web	Servicemember
XXXX military returned from XXXX and family needed money. I feel I was lured in being they are less than XXXX miles from base Im sure Im not the only one. They constantly are calling friends and family and wanting an allotment set up to make the payments. I know I narrowed the money and dont dispute that. I ask they lower my interest on remaining balance to 12 % or lower. Also I have requested copies of the original al signed contract that was done digitally and have yet to receive it.
10/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23608	Web	Servicemember
After multiple attempts through the credit bureaus ( XXXX and XXXX ) and through the company Omni Financial I have been unable to come up with a resolution to my issue. Omni Financial is reporting inaccurate information on my credit files ( XXXX and XXXX ). As seen in the provided documents the account number as well as the balence owed and the last payment are all inaccurate and is yet to be verified. This trade line needs to be completely removed for the multiple inaccuracies.
06/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	HI 96786	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX, Hi XXXX To Whom It May Concern : The following account was charged off on XX/XX/2019. Since then the account has been repeatedly reporting as a charge off every month. This is an update in the payment history which to my understanding charged off accounts should not have an active payment history. This also falsely manipulated the statue of limitations. I am demanding a deletion of the following account : OMNI FINANCIAL XXXX XXXX XXXX XXXX, NC XXXX
05/04/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	GA 313XX	Web	Servicemember
On XX/XX/2022 there was an issue that occurred with XXXX XXXX that I was not aware of. I got a letter in the mail on the XXXX of XXXX saying that XXXX XXXX is under investigation. Stating that theyve been issuing loans to XXXX XXXX with hidden fees and interest rates. Break some sort of Act between financial institutions and the military. I was told the hidden fees that I had been charged would be issued in a paper check in the mail box. I have not received this check.
11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 313XX	Web
I have sent debt validation letters to all three credit bureaus. I have also sent letters to OMNI FINANCIAL in regards to a debt owed with the balance of XXXX I have sent letter in XX/XX/XXXX and XX/XX/XXXX. I have even disputed this matter on the XXXX website. The Account balance and date last active is inaccurate across all three credit bureaus. According to XXXX XXXX XXXX XXXX. I have the right to dispute inaccuracies on the credit rmy credit report.
03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	NC 27870	Web	Servicemember
Omni Financial : XX/XX/XXXX ( {$0.00} ) Omni Financial : XX/XX/XXXX ( {$0.00} ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX ( {$21000.00} ) Local Government EMP : XX/XX/XXXX ( {$8300.00} ) I have sent letters to all bureaus about removing fraudulent and closed accounts and hard inquiries affecting my credit score. I also disputed multiple of wrong address and phone numbers as well. I need these accounts removed to improve my financial situation.
08/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75126	Web	Servicemember
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 latte for any purpose.
04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AL 36867	Web
I reached out to these companies via the credit bureaus and I haven't heard a response back in over 90 days. I feel like I'm being ignored and punished for something that is completely out of my control. I demand that this incorrect, inaccurate and unverifiable information be deleted from my report. Over 90 days with no response is ridiculous. Why put someone through the ringer whose actually trying to get to the bottom of this?
10/30/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	TX 76513	Web	Servicemember
My military loan with Omni Financial was sent to collections, charged off as a bad debt, and a profit and loss write-off. Every month they keep adding to the amount of the loan they report to the credit bureaus. It was a {$7700.00} loan but now it's showing as {$22.00}, XXXX past due. The company keeps adding money to the amount past due every month, even though it's been charged off and a write-off. Please help me correct this.
11/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70123	Web
XXXX has been non-compliant with removing the unverified account OMNI FINANCIAL which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that OMNI FINANCIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
08/21/2019	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CT 065XX	Web	Servicemember
This company has been collecting $XXXX from my Military pay under the name XXXX XXXX since XXXX XXXX until present and reported to all 3 credit company my account closed. I opened the account in XXXX XXXX and my payments then was $XXXX. Due to my illness and XXXX XXXX the payment was lowered to the $XXXX. This company refused to accept my XXXX letter, continue to take money from my retirement and ruined my credit,
06/17/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	LA 712XX	Web	Servicemember
I obtained a loan through Omni Financial military lending. When I received the loan I had no other choice but to start an electronic funds transfer through an allotment on my XXXX pay. It was never changed or offered to be deducted from my bank account even after they were prosecuted for breaking several laws. I had been made to enter into a fraudulent contract with them. They are predatory lending institution.
01/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Old information reappears or never goes away	AL 368XX	Web	Servicemember
I took a loan of XXXX in XXXX. Allotments were taken out from my military direct deposit for XXXX $ a month until XXXX, totaling XXXX . I stoped the allotment in XXXX, they claimed that I renewed the loan. I fear they are scamming military families in need. They have no email or phone number, they have hit my credit every month. I am trying to rebuild my credit, and they are ruining my life over a scam.
10/13/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	OK 735XX	Web	Servicemember
I got a loan from Omni Financial in XX/XX/XXXX and was told I had to do an allotment and they would notify my commander if the allotments were stopped and I got a second loan from them in XX/XX/XXXX and the same exact thing they walked me through doing the allotment on their computers. I was told there was a lawsuit because of this and to file a complaint here. They told me I had to do an allotment.
01/17/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	GA 313XX	Web	Servicemember
Omni Financial. I saw the law suit recently about them. I was a young private in the XXXX when I applied for a good amount. Currently still paying it off. They made me give them my bank info for allotments and I was never notified that its illegal. Also have a 29 % interest rate. What can I do? Done at the XXXX in texas at the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Started off at XXXX XXXX
02/08/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account information incorrect	GA 30253	Web	Servicemember
The first date of delinquency with omni financial is XX/XX/XXXX and not XX/XX/XXXX. I spoke with omni financial supervisor XXXX XXXX about the inaccurate reporting on my credit report. He agreed that the date of first delinquency is wrong in that it was nothing he do about it. I have supporting evidence and payment history in according to the Fair Credit Reporting act correct reporting is the law.
05/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23462	Web	Servicemember
I had a loan with omni financial in 2018, while stationed in XXXX XXXX with the XXXX. I have paid off the loan but I have a second loan that I do not recall getting and it keeps reporting on my score and the balance continuously increases by XXXX every week. I tried to call them and got a lady who was extremely rude. Would not give me details over the phone and then hung up on me.
04/27/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	OH 451XX	Web	Servicemember
My name is XXXX XXXX. I am part of the CFPB settlement with Omni Financial. I have requested that they reissue my check. The refuse to reissue my check until the check void date ( which is not for another month ). They say they will then issue another check 8 to 10 weeks after that time. I would like them to re-issue the check now and not wait the 3 months to issue a check.
03/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	KY 401XX	Web	Servicemember
Loan : {$4700.00} Loan Date : XX/XX/XXXX Rate of Charge : 29.516 % Filing and/or discharge fees : {$0.00} Interest Charges are Current through : XX/XX/XXXX I got a loan through Omni Financial on XX/XX/XXXX, and recently became aware that they violated the military lending act ( MLA ), that required military members pay by allotment. Which is illegal under the MLA.
06/20/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	GA 30549	Web	Servicemember
Complaint : I do not have a contract with Omni XXXX XXXX XXXX . I am not liable for collected this debt owed of $ XXXX . I am not responsible for this debt. Desired Outcome/Settlement Charged off as Bad debt profit and loss write off an sold to a third party with no contract. Desired Settlement : Correction to credit report DELETE FROM CREDIT REPORT
01/30/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Problem with the payoff process at the end of the loan	SC 29016	Web	Servicemember
Omni Financial has taken out funds by Allotment. According to the law they are not to do so since I am in the military as an XXXX member of the XXXX XXXX. They loss a lawsuit recently about the military pay act alongside other laws that makes this illegal. At this time Omni Financial is still taking out {$400.00} by allotment every month from my XXXX XXXX pay.
05/06/2019	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	TX 751XX	Web	Servicemember
XXXX of the month every month since XX/XX/2019. So I've recieved a overdraft of {$29.00} in XX/XX/2019. XX/XX/2019. XX/XX/2019. XX/XX/2019. XX/XX/2019. I have sent nu.erous letters and called the company numerous times for them to stop trying to debit my account as it is causing over draft fees. They do not have my authorization for automatic withdrawal.
08/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98516	Web
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
04/30/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	VA 238XX	Web	Servicemember
Omni Financial has already sold off the debt, they have not tried to contact me in any way shape or form and they continue to consistently on an almost monthly basis update and flag my account as a charge off debt, which refreshes the date of the account everytime. doing this they will keep this flag on my account forever and that is not legal.
06/05/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	OH 43207	Web	Servicemember
I paid off a loan in XXXX of 2022 and Omni keeps harassing me about a delinquent account. I just XXXX from the XXXX in XXXX of this year and they started harassing shortly after. Ive already disputed with them on this site about the SCRA lawsuit and I feel like this is retaliation by adding a ridiculous amount to an account that was closed.
02/28/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76063	Web	Servicemember
I have a loan with Omni and got kicked out of the XXXX and they sent it to collections but still adding interest Im in a payment plan but they say if I dont pay the full amount witch is now more then I got the loan for its gon na keep getting interest I need help it is now affecting my credit I cant get a place to live its affected a lot
01/06/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	SC XXXXX	Web	Servicemember
The debt was charged off in XXXX of 2019. They have continued to charge me interest on this account without submitting monthly statements to me. I have intentions of paying off the original balance that was charged off, but they should only be charging interest if they are legally allowed to and legally sending me monthly statements.
07/13/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	AE XXXXX	Web	Servicemember
I was speaking with a XXXX Solder and he told me details about the Omni lawsuit and how he was supposed to receive a check from the settlement. But I have had loans with them in the past and received no such settlement or reach out to let me know anything about the suit. Please feel reach to reach me at my email address or XXXX.
12/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	MD 207XX	Web	Servicemember
I have been charged outrageous fees from this company although I am XXXX XXXX military. They dont actually give the full amount of their loans but add it to an extended fee and pay it off leaving you on the hook for thousands. It is a disguised lower interest rate but they tack on thousands over time putting consumers in debt
02/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92596	Web	Servicemember
I file a fraud report back in 2016 with the county of XXXX Police department and submitted to all the creditor that it affected. But the information is still showing on my credit report and XXXX XXXX XXXX sold the account to a debit collector and now I have both of them reporting the debit to 3 credit agencies.
05/23/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	PA 161XX	Web	Servicemember
I Have had several things added on my credit due to identity theft and this is one of them. I have tried to talk to this company and solve the problem with them, but there has been no budge. I did not open this account and feel that it is wrong that i continue to suffer for it. Please resolve this immediately.
03/04/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 344XX	Web	Servicemember
Omni Financial did not abide by the Military Lending Act. I am a XXXX veteran and was on active duty making me take a military allotment from my pay check which is violation of the Military Lending Act. CFPB settled with Omni Financial on XX/XX/2020. Attached is the settlement that CFPB brought against them.
09/14/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA XXXXX	Web	Servicemember
Violation of Fair Credit Report Violation Act Omni military loans pursuing pro charge off interest on a account for over 6 years without sending periodic monthly statements on account to customer. The creditor should mail or deliver periodic statements as required by 612 C.F.R section 226.7.
01/03/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 76543	Web	Servicemember
I got a loan and tried to apply my XXXX XXXX XXXX to the loan and I am an XXXX XXXX XXXX XXXXXXXX from XXXX but I havent gotten any movement on it. My interest rate is currently 27.495 % with a loan fee of {$4500.00} separate from the XXXX borrowed. These fees seems very outrageous
08/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	GA 30549	Web
I have {$0.00} balanced with these companies but they're reporting on my all 3 of my credit scores amd they are hurting my credit score I would like for everything to be current since there's no balance accrued these companies are Omni Financial, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
05/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32211	Web	Servicemember
Omni Loans is reporting inaccurate information to all 3 credit bureaus. They have been unable to verify the debt and that it belongs to me. They even have sold the debt to another debt collection company. This debt does not belong to me and needs to be removed off my credit report.
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	CA 91941	Web	Servicemember
As per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given to the following companies Written & Unwritten, verbal and non verbal per 15 USC 6802. XXXX XXXX XXXX XXXX, 2016 Omni Military Loans
04/22/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	MD 20707	Web	Servicemember
I have made my loan payment as agreed without fail. It has never been late and I still make the payment on time. But the company is reporting that I am over 180 days past due. I 've tried speaking with them but they do not seem interested in fixing the problem.
07/11/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	VA 238XX	Web	Servicemember
I received XXXX loans from Omni financial via their Virginia branch in 2021 after CFPB already filed suite and won. Yet XXXX is still conducting practices they they were already informed were illegal. They have not complied with the stipulations of the lawsuit
08/05/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	WA 98516	Web
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
12/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WA 98499	Web
I called Omni Financial twice and they did not have any information on the alleged debt but they are still furnishing this on my consumer report. They are unable to provide me with any documents regarding this account for me to validate this debt.
02/21/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	AE XXXXX	Web	Servicemember
Recently requested SCRA benefits from OMNI Financial, company has not responded to my request I am applying under Louisiana State Law as a Key provision state. Mutiple request has been made to comply as they have violated my rights under SCRA.
05/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28173	Web	Servicemember
XXXX failed to correct an account from XXXX XXXX XXXX in the " Pay Status '' as Current ; Paid or Paying as Agreed. The account is showing 60 days Past Due. I want XXXX and XXXX XXXX XXXX to correct this error and update my credit report.
06/17/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	AE XXXXX	Web	Servicemember
Im aware of Omni Financial violated the Military Lending Act, Electronic Fund Transfer Act & I was seeing was there anyway to get reimburse with a check from CFPB. XX/XX/XXXX, {$560.00} XX/XX/XXXX, {$560.00} XX/XX/XXXX, {$2500.00}
06/23/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 33993	Web	Servicemember
I have an account over XXXX years old that is still showing as a charge off it said it would be removed XX/XX/XXXX and when I called they said it would be removed and its still showing. No one seems to care and I need it gone.
02/24/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 92025	Web	Servicemember
omni Financial is still reporting my account as delinquent and the account was included in bankruptcy. I sent out a dispute letter to each credit bureau and neither have responded or try to fix the issue with the inaccuracy.
11/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 92104	Web	Servicemember
I've recently learned that this company has a history of a class action lawsuit ( ref. ADMINISTRATIVE PROCEEDING, XXXX XXXX. XXXX ). I have now found that this company has violated the Military Lending Act again.
08/14/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	MD 20707	Web	Servicemember
My account with Omni has never been late. I have always paid this account on time and never late. For some reason Omni has chosen to report this account as charged off after I have paid this account off.
03/10/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Charged too much interest	AP XXXXX	Web	Servicemember
Im a military veteran and customer of Omni financial and Ive had credit card loans with them for a few years and Ive been charged a very high interest rate and am looking for it to be resolved
02/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA XXXXX	Web	Servicemember
This account shown charge off in my credit report and I sent them a validation. They sent me a letter stating what I owe but when I look at my credit report they are reporting 3x the amount.
10/10/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IN 46060	Web	Servicemember
They are still requiring payment via XXXX I had started a new loan prior to knowing about the lawsuits and am on the line again for my Omni loan with unfair interest and paying by XXXX
08/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 76542	Web	Servicemember
There are 3 accounts still on my credit reports from Omni Financial. I was told by a credit agency I can report them and they had a case open. It looks like the case was closed.
02/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 13601	Web	Servicemember
This account was closed, charged off, and sold. Due to them selling the account they can not list a balance and can not be reported on my report due to NO LEGAL CONTRACT.
10/10/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OK 73099	Web	Servicemember
The loan companies Omni, XXXX, XXXX XXXX and XXXX XXXX too allotments out keeping me financially Crippled. Beginning in XXXX to XXXX. I will attach the credit report b
09/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AP XXXXX	Web	Servicemember
Account was Paid miss communication and spoke with them it states wrong information I paid off the remaining balance mypay stop the allotment and I didn't know.
04/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AE XXXXX	Web	Servicemember
I sent Omni Financial a debt validation letter on XXXX XX/XX/2018 and they still have not responded or taken this account that off of my credit report.
07/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	MD 210XX	Web	Servicemember
I just received a text message from my mother about Omni Financial contacting her about my debt. She wrote in a text messgae with their phone number.
08/06/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	GA 319XX	Web	Servicemember
This company required me to give my unit info, required me to make an allotment, and also my bank account info to withdraw funds if allotment failed
04/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 283XX	Web	Servicemember
Account remarks show the account under the wage-earner plan and the account was included in bankruptcy but no bankruptcy is on my consumer report.
09/01/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	TX 77082	Web	Servicemember
I am an XXXX XXXX XXXX in the XXXX and I was XXXX XXXX XXXX XXXX of 35.948 % or one loan and 34.025 % on another loan for a 24 month time period.
03/03/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	GA 30252	Web	Servicemember
This company cause my credit to be financial impacted and cause me to file bankruptcy. I would like to be apart of the law suit against Omni.
03/25/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	NC 283XX	Web	Servicemember
Between XXXX I received different loans for different amounts from Omni financial in XXXX, Georgia and XXXX, North Carolina XXXX
10/15/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	OK 735XX	Web	Servicemember
I got a loan through omni financial and they put an allotment in my account they told me I had to do an allotment.
07/23/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	LA 714XX	Web	Servicemember
Personal Loans with Omni Financial will not honor Service Member Civil Relief Act ( SCRA ).
07/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30114	Web	Servicemember
Debt has still been accumulating after closed and written off. 60 months ago.
11/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 92040	Web	Servicemember
Company refuses to follow/honor Louisiana XXXX XXXX XXXX
02/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OH 43110	Web	Servicemember
XXXX sometime in 2018 when I was in the military
08/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	VA 20136	Web	Servicemember
Omni financial loan. Paid for by allotment
03/02/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Unable to get your credit report or credit score Problem getting your free annual credit report	NC 283XX	Web	Servicemember
The Omni interest rate was extreme
06/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KS 66441	Web	Servicemember
XXXX is failing consumers
08/13/2023	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	SC 29209	Web	Servicemember

07/25/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	LA 71459	Web	Servicemember

07/22/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	FL 32308	Web	Servicemember

07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WV 26818	Phone	Servicemember

07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 13057	Web	Servicemember

07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 79936	Web	Servicemember

07/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76227	Web	Servicemember

06/20/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	NC 28348	Phone	Servicemember

06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23602	Web

06/01/2023	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	FL 32514	Web	Servicemember

05/07/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 92154	Web	Servicemember

03/20/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76504	Web	Servicemember

03/07/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	TX 75241	Phone	Servicemember

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30909	Web	Servicemember

01/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43235	Web	Servicemember

01/09/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Can't stop withdrawals from your bank account	GA 31905	Web	Servicemember

01/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07112	Web	Servicemember

12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	WA 98503	Web	Servicemember

12/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NY 10941	Web	Servicemember

11/02/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	FL 33635	Web	Servicemember

10/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33823	Web

08/17/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	GA 31313	Web	Servicemember

08/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 36701	Phone	Servicemember

08/12/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Struggling to pay your loan	TX 76504	Web	Servicemember

07/30/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AE 09046	Web	Servicemember

07/19/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	VA 22134	Web	Servicemember

07/16/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 77048	Web	Servicemember

07/15/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	GA 31907	Web	Servicemember

07/12/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	GA 31905	Web	Servicemember

07/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 78253	Web	Servicemember

06/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 92101	Web

06/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46143	Web

06/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34116	Web	Servicemember

06/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46143	Web

06/12/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34116	Web	Servicemember

05/17/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	KY 40175	Web	Servicemember

05/04/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with additional add-on products or services	NV 89144	Phone	Servicemember

04/30/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AL 35476	Web

04/26/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	CO 80910	Web	Servicemember

03/25/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	IN 46256	Web	Servicemember

03/23/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	RI 02888	Web	Servicemember

03/17/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	GA 31324	Web	Servicemember

03/16/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	CA 92154	Web	Servicemember

03/10/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CO 80910	Web	Servicemember

03/09/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	KY 40121	Web	Servicemember

03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OR 97123	Web

03/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98499	Web	Servicemember

03/06/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TN 37040	Web	Servicemember

03/05/2022	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 Investigation took more than 30 days	GA 30076	Web	Servicemember

03/01/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 76549	Web	Servicemember

02/28/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	OH 44149	Web	Servicemember

02/27/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 79904	Web	Servicemember

02/27/2022	Yes	Money transfer, virtual currency, or money service Money order	Lost or stolen money order	NC 28314	Web	Servicemember

02/27/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CO 80910	Web	Servicemember

02/27/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	TX 79925	Web	Servicemember

02/26/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NY 136XX	Web	Servicemember

01/27/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	CA 91914	Web

01/04/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	CA 91764	Web	Servicemember

12/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60153	Web

09/29/2021	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	GA 30135	Web

08/30/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90004	Web	Servicemember

08/08/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20715	Web	Servicemember

04/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AK 99701	Web	Servicemember

03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	VA 23502	Web	Servicemember

02/09/2021	Yes	Payday loan, title loan, or personal loan Personal line of credit	Charged fees or interest you didn't expect	NC 28562	Phone	Servicemember

01/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10029	Web

07/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98444	Web

02/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33040	Web

02/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33040	Web

01/30/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33040	Web

12/07/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37042	Web

06/29/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76541	Web	Servicemember

12/31/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	KS 66048	Fax

12/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31315	Web	Servicemember

12/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15145	Web

08/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AE 09123	Web	Servicemember

05/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11206	Web	Servicemember

04/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20755	Web	Servicemember

04/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	WA 98001	Web	Servicemember

03/02/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 33131	Web	Servicemember

02/24/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	TX 76542	Web	Servicemember

02/07/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Account status incorrect	FL 33647	Phone

01/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	IN 46201	Web	Servicemember

12/22/2017	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	GA 30549	Web	Servicemember

10/22/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30276	Web	Servicemember

09/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 79938	Web	Servicemember

07/28/2017	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	WA 98433	Web	Servicemember

04/08/2017	Yes	Consumer Loan Installment loan	Taking out the loan or lease	GA 30253	Web	Servicemember

02/14/2017	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NC 27616	Web	Servicemember

12/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 28314	Web	Servicemember

10/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30013	Referral

07/08/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	OR 32547	Web

12/21/2015	Yes	Payday loan	Charged fees or interest I didn't expect	OK 73503	Web

09/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 20746	Web	Servicemember

03/09/2015	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	GA 31605	Web	Servicemember

09/25/2014	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	KS 66027	Web	Servicemember

05/21/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	GA 30349	Web	Servicemember

04/23/2014	No	Credit reporting	Incorrect information on credit report Account status	WA 98661	Web

01/10/2014	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 76179	Postal mail

09/18/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	AE 09067	Web	Servicemember

08/21/2013	Yes	Consumer Loan Vehicle lease	Managing the loan or lease	NC 28681	Web	Servicemember

08/15/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	OR 97378	Web	Servicemember

03/23/2013	No	Credit reporting	Incorrect information on credit report Account terms	WV 26062	Web	Servicemember