Skopos Financial, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/08/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	DC 20019	Web
I paid my car note on XX/XX/XXXX and I received a thank you for your payment and confirmation number. Then I called by chance two days later and was informed it wasn't accepted and that regardless if a payment is accepted or not their system gives everyone a confirmation number, so you dont know until you either see a ding on your credit report or a call from them, but as it turns out do to their system error, I received a late payment mark on my credit report ( s ) and would like for it to be removed. I received a thank you for your payment and confirmation number and I had the money in bank, everything so I thought everything was good. Once they informed me it wasn't accepted and they said they called me but did not leave a voicemail message not called any of my back up numbers and then I asked why wasn't it accepted. Well I received several different reasons, not to mention when I called I was told too that I could just wait to see if the payment went through or not. So, at this point I am confused and still not sure how I could receive a confirmation number and all, which I have a picture of for evidence, and the payment no be accepted. I was advised that although it says thanks for your payment and gives you a confirmation number, that it does not mean anything as it says that to everyone who makes a payment. One representative said it was the incorrect routing and/or account number and another said the payment was returned. I said how can it be returned if it was the wrong information how could it even have been present for payment and why or how can the system accept incorrect information, as most systems are flagged if checking information is not accepted or the company will advise you. Nevertheless, I call to ask since the confusion was on their behalf and no messages or anything as a courtesy, which they advised me of, if they could remove the negative remark do to the circumstance. It seems as soon as I asked the response was why are you trying to get a house and I said yeah, and then I was told well it takes 30 days so you should be fine. In fact, that too was inaccurate as I was not buying within those 30 days so it is and id affect me and my score went down an entire 74 points because of this. This is very confusing as with most companies, it rejects payments automatically, especially if checks are not accepted and/or the company doesn't accept your payment. In addition, the supervisor stated they had tried to call me but did not leave a voicemail message and was not even sure if my payment had or would be accepted or not. I found this very odd and confusing, not to mention now causing me a hardship unnecessarily. As I had been advised previously, as I recently did have a return payment due to a block on my account because my wallet had been stolen, that they could do a one-time courtesy negative mark removal. So, although they were not sure if it would show as a late payment or not, I am requesting ahead of time in case it is that it be removed. XXXX XXXX, who was the supervisor, seemed to not know much more than then regular customer service reps as they advised me to wait to see if the payment I submitted online would go through and they were not sure if it would or not. She also told me she would pre-advise the company 's customer service advocacy staff that I intend to go to the XXXX and/or the consumer protection agency, not in a good way but in a manner to get them prepared to basically as I feel to not assist me. Her attitude and the lack of knowledge and assistance concerns me too. The only one that could offer me a form of assistance because of the problems I was having and to help me out was XXXX, who I made the payment to via credit card and still no one advised if I could or could not write checks any longer, all they stated was I had once returned earlier in in the year, which I already knew. I then did as promise and made a complaint with XXXX whom in turn allowed not only for them to pass their response time, closed it after two months with no clear reasoning. The company, Skopos, requested my bank statement to confirm the payment wasnt received and returned from the bank, which I provided and they never replied after that and nothing was done, not even their accreditation with XXXX was revoked because of their failure to reply in the timely manner, as I was advised of directly by the XXXX XXXX representative I spoke with. So, I am left with the burden of may not being able to get my home yet because of their faulted payment system. I am filing a complaint not only with the company but XXXX for failure to comply to their own rules and not even reviewing my case fully. I have a detailed outline of this compliant below as well as the response I just received today from XXXX. Consumer 's Desired Resolution : I would like the negative or late payment mark removed from my credit report. As the payment, which I have proof off, was received by me to them via their online payment website and I received confirmation as if the payment was made and accepted. XXXX Processing XX/XX/XXXX web XXXX Case Received by XXXX XX/XX/XXXX XXXX MORE INFO RECEIVED FROM THE CONSUMER : *Document Attached* This is the message I received which clearly states to me the payment was accepted. XX/XX/XXXX XXXX XXXX Case Reviewed by XXXX - Member XX/XX/XXXX XXXX EMAIL Send Acknowledgement to Consumer XX/XX/XXXX XXXX EMAIL Notify Business of Dispute - Member XX/XX/XXXX WEB XXXX RECEIVE BUSINESS RESPONSE : Thank you for bringing your concerns to our attention. We appreciate the opportunity to remedy any problem that may exist and offer the following response : We have reviewed your account and find that a payment entered on XX/XX/XXXX was declined. Payment due for XX/XX/XXXX was received on XX/XX/XXXX. Based on our review of the account history, we confirm the information reported is correct. Should you feel this is incorrect, please forward a copy of your bank statement that shows the transaction in dispute was paid to Skopos piror to XX/XX/XXXX. Should you have any further questions and/or concerns, please do not hesitate to contact our office.Best Regards, Customer Advocacy XXXX XX/XX/XXXX XXXX EMAIL Forward Business response to Consumer XX/XX/XXXX WEB XXXX CUSTOMER DISSAT - MEMBER COMPANY - XXXX REVIEW : ( The consumer indicated he/she DID NOT accept the response from the business. ) This is not acceptable and not true at all as the payment was not declined from my bank and was never even received/sent to my bank to be processed, as informed and mentioned in the original response. After I contacted Skopos, they informed me that they were not even sure if my bank had received it or not, as it takes up to three business days for the bank to even receive it, and even had suggested that I wait to see if they decline it or not, so how can they now say the bank declined it. I also request that the conversation I had with the mentioned party and all parties I spoke with on that day be played back to confirm exactly what I am stating, as I am stating facts. In addition, how is it that they received it on the very same day, after stating it take at least 3 busniess days to process, so here again you can see it was a SKOPOS issue. As you can see clearly in the attachment provided, it states paid and thank you with confirmation. Again, I was advised the system always gives confirmation of payment and if I did not receive written notification, which I have not, how was I to know it was declined other than my bank, which never even received the request for the payment. I have proof from previous payments that it takes at least 3 business days as I can provide a statement that shows a previous payment that was declined by the bank. In addition, Skopos advised me that because of the previous returned payment that it was rejected by them and not the bank, so which one is correct, did my bank reject it or did Skopos reject it. Again, i will provide proof from my financial institution that the payment was never even submitted to them and confirmation when the last check that was received was declined. Again, I am wanting the negative mark removed ASAP. XX/XX/XXXX XXXX MORE INFO RECEIVED FROM THE CONSUMER : *Document Attached* In addition to the information provided earlier, I contacted Skopos again to try to resolve this matter, since they are giving wrong information, and spoke with XXXX in the customer advocacy department. She says something different about the situation. She says that the payment was declined because the information regarding my bank account information was wrong. I.e. account number and/or routing number. So, this is the third reason they are coming up with and still refusing to just simply remove the negative remark. She also stated that per the crediting laws that it can not be removed, which apparently and obviously is not correct, if so there would not be a way to dispute things on your credit report. In addition, as I stated earlier, the information was not even submitted to my bank and I have obtained a copy of the bank statement from my financial institution and confirmed that a payment from them was not even submitted on theXX/XX/XXXX nor theXX/XX/XXXX and they submitted my credit card payment on theXX/XX/XXXX and that was not even cleared until XX/XX/XXXX, thus confirming my information that there is no way that my financial institute could have received and declined a check transaction in one day, more so the same day. I am strongly suggesting that all conversations held with them on the XX/XX/XXXX and even today be submitted as proof as to they are not clear what happened, nor why the system they have customers use to make payments gives false information. And, it takes 3 days for a check transaction to clear, so why are they saying my bank returned the check for NSF, then say they declined it when they clearly told me to wait to see if the bank clears it while all along according to what was said to me today, it was no way it was even going ot could be submitted ... .where would they send it. Furthermore, I know I put in the correct information, and without proper information it most likely will be rejected from the system, or shall I say should, as it should know how many numbers are required, etc. If your system didn't even accept the payment, how would it have even been submitted to the bank or even more given me a confirmation of thanks for your payment and a confirmation number. The stories seem to not add up and to make them not look even more incompetent, I request that this one mark be removed, as it was told to me they could do a courtesy reversal, and there is no law stopping them from doing so, as XXXX said to me today. Please see my bank statement attached below and you can see the returned check in XXXX, when it went to the bank, and when it was approved by the bank, which is also confirmation of the process per what I stated, as well as the payment made on the XX/XX/XXXX when it was submitted and when it was cleared. The last payment that was received before XX/XX/XXXX was a returned checked and you can see when it was received and how long it too as proof of how long check payments take to clear and even how long the credit card payment took to be received and paid by my bank. Also, proof no other payment since the one paid prior to the XX/XX/XXXX payment was submitted ( XX/XX/XXXX-XX/XX/XXXX ). In addition, it shows where the NSF fees from the returned check was returned to me because the only reason the check was returned was because my wallet had been stolen and there were fraudulent charges on my account and when the Skopos payment came through the money had not yet been released back into my account to cover my bills, which also I had informed Skopos of this unfortunate incident that occurred to me. How can a customer service rep, a manager and customer advocacy all have different stories, yet work for the same company? XX/XX/XXXX XXXX EMAIL Customer Dissat Notice to Company XX/XX/XXXX XXXX XXXX No Response from Business re : Consumer Rebuttal I received an email on XX/XX/XXXX stating they still had not received a response from the company and I called and was told this again on XX/XX/XXXX. Complaints XXXX Reply\| Mon XX/XX/XXXX, XXXX XXXX You Inbox Flag for follow up. At this time, we are waiting on the company to respond. The company has be notified you are dissatisfied the company 's response. XXXX XXXX, Dispute Resolution Analyst XXXX Serving XXXX XXXX Texas XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Today this is what I received, after I sent all the information proving the payment was received and it was them who rejected it and proof that it was not an NSF from my financial institution and feel like I provided information that is very private and persona and who knows who even read it or if, after they requested it was it review .... same thing for the XXXX did they review it or just brush it under the rug and say oh well. They said the business decided, but I was not advised nor received their decision, but received this today. From : Better Business Bureau XXXX Date : XX/XX/XXXX at XXXX XXXX EST To : XXXX XXXX XXXX XXXX Subject : XXXX Complaint Case # XXXX ( Ref # XXXX ) Reply-To : Better Business Bureau XXXX Re : Case # XXXX : Skopos Financial , LLC. Dear XXXX. XXXX, Thank you for following up with XXXX regarding your position in the above-mentioned dispute. We understand you are NOT satisfied with the business 's response, and have noted your dissatisfaction in our files. While we regret we were unable to reach your desired resolution, the business has provided XXXX with its position. This matter is now closed in XXXX files, and will appear in the company 's XXXX Business Review as : " Answered - the business addressed the issues within the complaint, but the consumer remains dissatisfied. '' Please note, the text of your response may be publicly posted on XXXX 's website. XXXX reserves the right to not post in accordance with XXXX policy, and we may edit your response to protect privacy rights and to remove inappropriate language. We appreciate the opportunity to be of service, and sincerely hope you will contact us for pre-purchase information. Sincerely, XXXX Dispute Resolution Department PLEASE HELP
12/06/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33570	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SKOPOS FIN bal. {$19000.00} 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
11/03/2022	Yes	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money	LA XXXXX	Web	Servicemember
I applied for a vehicle Title loan on XX/XX/2022. I uploaded all the documents requested from the company the same day. 2 weeks went by and I didnt hear anything. Once you submit all the documents they state after the upload, they will be in contact within 24 hours. I never heard anything, so I called the company and spoke to a customer service representative named XXXX. XXXX stated I need to upload a new picture of my state ID. So I did and never heard back within 24 hours as stated on their site I would. After you upload all your documents it says we have everything we need we will be in contact within 24 hours. This is false advertisement. So I called back on XX/XX/XXXX and talked to customer service representative named XXXX. Great guy but he was covering his tracks. He stated my loan application has expired and they expire within 30 days. I never received an email or phone call by XXXX XXXX during these 28 days. They canceled my application early with no warning. XXXX wants me to reapply because they canceled my application early. Thats another hard inquiry on my credit report that will take 2 years to fall off. They are misleading consumers. Since they canceled my application 2 days early without notice or follow up. XXXX tells me that they cant except my vehicle because they think its used for commercial purposes. I dont have commercial insurance on the vehicle nor is it listed as commercial on the registration and insurance. They made this a go to excuse because they made an error by not keeping in touch with me and canceling my application prematurely. XXXX stated that they might change this policy and just to wait 30 days before reapplying. They should put this into a disclaimer before they run a consumers credit report. Stating a list of vehicles that they think are commercial vehicles. XXXX the first customer service representative I spoke with said it was fine. This company is trying to cover there mistakes by not following up with customers and misleading consumers applying for title loans on vehicles that theyre stating are commercial vehicles. These companys shouldnt lie to consumers like this. Just deny the loan application and move on. They still have all my personal information at their finger tips. All the documents I sent including drivers license, banking statements etc. They made the mistake and XXXX wants me to take another credit hit on my behalf because of their mistakes. Im considering legal action against XXXX XXXX. Dont use this company for your Title loan.
07/14/2020	No	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 77067	Web
Thank you for taking time to read my complaint. XX/XX/XXXX I was in a bad spot and didn't have any time to get my credit in a better place before purchasing a new vehicle. I was pretty much left with no choice but to have a high interest rate loan with SKOPOS Financial. I purchased a XXXX XXXX XXXX with XXXX XXXX miles on it. The interest rate is a daunting 23.99 %. From the very beginning of the loan I had a hard time paying it seeing as though the loan was {$540.00} per month. A few times I got behind and although the company allowed me to add 3 payments to the back of my loan I just can't afford it. I had plans to refinance the loan to get a lower interest rate but I couldn't because the late payments kept my credit score down. I started working diligently on my credit XXXX of XXXX and that's when I started doing extensive research into my automobile loan and I realized that over the last 2 1/2 years I have paid {$11000.00} to this {$20000.00} auto loan and of that {$11000.00}, only {$1300.00} has been applied to the principal amount. {$10000.00} has been applied to the interest. According to my online account I still owe {$15000.00} in interest on top of still owing {$18000.00} on the principal balance. I have spoken with quite a few agents at SKOPOS and no one can seem to help me somehow get out of this loan. I have tried multiple times. I went as far as trying to go through XXXX XXXX and my Credit Union to refinance the loan. The car is currently worth only {$6500.00}. I've taken it to about 9 different car dealerships to try to get from under this loan with no luck. No one will take on the negative equity. It was suggested to me to voluntarily give my car back and try to hurry and find something before it shows up on my credit report. I am at a stage in my life where I am diligently working on my credit and I don't want to ruin my credit by going about this the wrong way. I need help getting away from this company. I take full responsibility for having a few late payments. I am correcting my mistakes. At this rate I will NEVER finish paying off this auto loan.
07/08/2023	No	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	GA 30052	Web
I obtained a loan through skopos financial XX/XX/XXXXXXXX .I began experiencing financial hardship due to being out of work because of my high risk XXXX and right after COVID which lead to falling behind in my car loan payments.I reported this hardship to SKOPOS Financial however they charged off/ wrote off my loan as bad debt XX/XX/XXXX, and Sold my vehicle in a private auction XX/XX/XXXX with out written notice. In XX/XX/XXXX my account was sold to XXXX XXXX I disputed the account with XXXX XXXX and got it removed my credit report shortly after the debt was sold. XX/XX/XXXX SKOPOS financial bought back the debt and continued to report each month as charged off as well as reporting a balance, and monthly payment amount as if the account is still open. XX/XX/XXXX I called SKOPOS and spoke with XXXX from the customer advocacy department and requested for the false information to accurately updated to all 3 credit bureaus. I also spoke with XXXX in the kids mitigations department and requested a copy of the written notice of sale, deficiency letters, and bill of sale for my vehicle that was auctioned off. I was provided a false written notice of sale because it was never received and 2 different deficiency letters which initialed 2 different amount my vehicle was sold for and 2 different balances owed. XX/XX/XXXX the information still hadnt been updated so I disputed the account with all 3 credit bureaus and requested for the account to be deleted due to SKOPOS continuing to report inaccurate information. After the disputes were completed the credit bureaus verified the information as accurate and are continuing to report inaccurate information even though when I spoke to XXXX from SKOPOS she agreed that she would update the inaccurate information. This inaccurate reporting has traumatically affected my credit preventing me from being able to obtain any new lines of credit, car loans, open ended loans, and rental properties. This completely goes again and violates my FCRA rights
06/16/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	MO 64506	Web
I obtained a loan I qualified for through XXXX XXXX originally through springlight financial the agreement was XXXX XXXX dollars with a orgination fee of XXXX XXXX dollars, to be repaid at 35.93 % interest over 48 months paying XXXX per month 45 days after the date of contract ( XX/XX/2022 ) All was well I made my payments on times then one day the company sent me a email saying that they had sold to a new company called XXXX XXXX XXXX I should note that the original company was actually called skopos financial LLC D/B/A springlight financial I had no clue of this until recently ) I paid no mind to the change and continued paying my monthly bill. I ended up hurting my back and being out of work for a while and I started to notice how my ammount due was not ever going down on my credit, so I investigated a little more and to my findings I believe I'm victim of some sort of securities fraud. None of the company 's have any current filings as they should you can't even find XXXX XXXX or springlight financial on sec.gov XXXX search i take that back XXXX XXXX does come up its clearly fraudulent the phone number it gives on there is " XXXX '' and it even says that the only filing available hadn't been reviewed yet by sec gov, for skopos financial LLC it says they are a asset backed securitizer & the abs asset class is auto loans, mind you my loan was a personal installment loan, it says the fiscal year end for skopos is " XXXX '' clearly something is not right with any of this and something fraudulent is taking place. There is a case number on skopos financial I found where they were ordered to file timely and accurate annual reports that case number is with office of consumer credit commissioner state of Texas case # XXXX. Please investigate this promptly
03/10/2022	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	AL 352XX	Web
I have a loan through Springlight Financial and called XX/XX/22 to set up a paymet arrangement for XX/XX/22. I was advised it was outside the parameters for payment arrangements but to call back the next day and it would be within. I called back XX/XX/22 and setup a payment arrangement for XX/XX/22. I was called XX/XX/22 by Springlight Financial and explained I had a payment arrangement on file for XX/XX/22. I was advised by the rep he couldnt honor that and the calls and collection efforts would continue. I explained it was a right party contact and calling me again within 2 business days would be a violation of TCPA regs. He called from a XXXX area code. On XX/XX/22 the very next business day I was called 3 times and on the third call I picked up and it was the same rep from the day before. I advised him his company was breaking right party XXXX violations and asked to speak to a manager. He called from a XXXX area code. Unless he moved in one day that seems like deceptive call practices. I was on hold waiting for a manager for 18 minutes before the call dropped. I was then called by XXXX area code and it was the manager. She was in the same location as the rep but I was called by 3 different area codes. I explained the TCPA violations and the right party issues and the auto dial system should have been pushed since a payment arrangement was on file for XX/XX/22. I do collections compliance and fully understand how autodial systems work. Right party and TCPA laws. Deceptive call tactics like calling from 3 different area codes from the same location. Each violation is {$1000.00} fine
05/14/2019	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 752XX	Web
I XXXX XXXX XXXX state that I have no knowledge of or admit to ownership of any account with Skopos. I do not believe that this account is mine and believe that it is being reported inaccurately on my credit reports. I have never been presented with any documentation showing ownership of this account nor was I ever given notice that it was going on my credit and would be damaging to it. Nor was I given notice that I had a 30 day window to dispute this account in the beginning. Nor any documentation on instructions for redeeming the vehicle. Furthermore the account is full of inaccuracies reporting to my bureaus. The account claims to be " open ''. But this vehicle has been repossessed and sold at auction since mid XXXX, yet it is still reporting negatively on my bureau reports monthly. Also it says last payment date on XXXX of XXXX, XXXX XXXX. How can that be when the vehicle was repossessed in mid XXXX? Thirdly it shows as a joint account. With who? That is wrong. I have never had a joint account with anyone. Fourthly ... XXXX reports the account as being " open '' with {$0.00} total balance and {$0.00} past due. But XXXX has the account as " open '' with a {$6800.00} total balance and {$3900.00} past due. How can the same account be showing different information and amounts? This shows that this account may be possible ID Theft or fraud. So why is it remaining on my credit reports to this date. I've attached in this complaint a copy of my XXXX & XXXX credit reports showing false information. And a copy of the cease and desist letter sent to the company directly.
11/24/2022	Yes	Payday loan, title loan, or personal loan Title loan	Was approved for a loan, but didn't receive money	IL 61832	Web
Using XXXX XXXX it stated that I had " outstanding approval '' for a personal loan. I used the link and applied to XXXX XXXX for a {$2500.00} on XXXX XXXX, 2022 and was approved. I even got an email with a " Get my money '' link. There was nothing about it being a secured loan. It asked me for pictures of my car 's odometer as well as pictures of the front and back of my car and my car title. I did all that not realizing why they were asking for it. I also entered personal information and income. The next day, XXXX XXXX, 2022 a representative from XXXX XXXX called asking about my income. She asked me if my only income was XXXX and when I said yes, she rescinded the loan offer. She didn't say it was because the amount I get from XXXX, but because it was my only income. I responded to their loan approval email accusing them of discrimination. That evening the same representative that I talked to the day before called and that they were making an exception for me and approving the loan after all. That told me then that I was right, they got caught discriminating against me and where trying to fix it. It was then that the representative told me that it was going to be a secured loan with my car title as collateral. It's a {$2500.00} loan and my car is worth around {$6500.00}. Ite APR was to be 35 % which is higher than a credit card. I received another email with instructions on sending them my car title and signing the loan. I didn't go through with the loan as I feel I was discriminated against because I'm on XXXX and their tactics seemed shady.
05/30/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	VA 230XX	Web	Older American, Servicemember
Account:XXXX ; My car was involved in a accident on XX/XX/XXXX. I filled a claim with XXXX XXXX on XX/XX/XXXX th first time with XXXX XXXX ( claim # XXXX ). After two weeks of not hearing anything I contacted the head of claims and received contact from XXXX XXXX. I also contacted Skopos Financial LLC on XX/XX/XXXXand informed them that the car was totaled. I continued to receive calls from Skopos and each time I told them the same thing. In XX/XX/XXXX they finally transferred me to someone that deals with total loss vehicles. So in XX/XX/XXXX I guess Skopos finally contacted someone at XXXX XXXX and they came to a settlement. Within the XX/XX/XXXX I received a letter from Skopos they were selling my car. I then received a letter from XXXX XXXX ( GAP ) Program Administrator saying after XXXX XXXX settlement of {$10000.00} and after the coverage exclusion the following amount would be waved by my lender. Skopos waved {$3900.00}, not included was {$1400.00}, for missed payments, This is the amount that I am disputing, it is not my fault that Skopos allowed XXXX to take 4 months to settle this claim and because of this they feel that I should pay for their error. Plus they did an update on my credit report and instead of decreasing the amount I owe they increased the amount by $ 300+. Because of this I can not purchase another car and having problems getting a mortgage for a VA Home Mortgage. Any help you gan give me would be greatly appreciated.
12/06/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	MO 63136	Web
I reported my car stolen on XX/XX/2016 with the XXXX Police Department. When I called Skopos to let them know my car was stolen they said they repossessed it. When I asked why I was told I was 3 months behind - XX/XX/2016. When I faxed proof of payment and called back the next day I got XXXX the manager. She said she the gal I spoke to before told me incorrectly and I was 3 months behind. When I asked which 3 months, XXXX said she did n't know. I told her I reported it stolen with XXXX Police, and my insurance company and she said - you have insurance? I asked if I could get my personal items from the car and she would not tell me where I could get my personal items - coat, cds, or other items from my car. When the XXXX Police ran my information my car has never been reported as repo. Today I received a letter stating my car would be sold after XX/XX/2016. I have never received any type of payment coupons or notices from Skopos so I would still send in my payments. XXXX kept stating that I filed bankruptcy and that 's how my car was 3 months behind. I told her I filed bankruptcy over 2 years ago and asked why was n't I notified or why it was taken then. No response. I have an attorney that has been trying to contact them and will not return her calls. I have filed complaints with the XXXX Attorney General, XXXX Attorney General and XXXX. XXXX said they will contact the company but I have not received a response. NEVER get a loan from Skopos.
11/21/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IL XXXXX	Web	Servicemember
On XX/XX/2022 I completed a preapproval application for a loan with XXXX XXXX. This had no credit impact so I decided to apply. At that time the company told me I was preapproved for a unsecured loan and a secured loan. I moved forward with the unsecured preapproval option and was approved for the unsecured loan. I was prompted via the website to add my income verification documents and identification for final approval of my loan. After submitted the documentation and verification I was called and told that my loan option had been switched to only a secured loan using my vehicle as collateral. If this would have been stated initially I would never have proceeded with the application which resulted with a hard inquiry on my credit report. It's clear that XXXX never intended to provide me with a unsecured loan. The only goal was to use it as bait to offer we a secured loan. The preapproval for the unsecured loan was false and issued in bad faith as a sales tactic. As a result, I want the credit inquiry from XXXX XXXX on XX/XX/2022 removed from all 3 credit reporting agencies. If XXXX would not have issued a false preapproval for the unsecured loan I would have never applied in the first place. The false preapproval was issued in the hopes that I would accept the secured loan which they attempt to pressure you into taking after you decline it several times.
10/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC XXXXX	Web	Servicemember
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX & XXXX credit file dated XXXX/XXXX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
06/28/2021	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	SC 29414	Web
XX/XX/XXXX I am writing to file a complaint against Skopos Financial, XXXX, and XXXX. I have made several disputes with the credit reporting agency reporting that Skopos Financial was not accurately reporting information. The balance that Skopos Financial is reporting to the credit agencies as {$11000.00} does not reflect in the transaction history ledger that Skopos Financial provided. I recently sent a debt validation letter to Skopos Financial requesting that the lender provides transaction and balance history. Per the documents provided by Skopos Financial on XX/XX/XXXX, The balance on this debt after any interest, fees, and liquidation costs was only {$7900.00} as of XX/XX/XXXX. However, an inaccurate amount is being reported and neither has Skopos Financial provided a explanation for the higher balance. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required and under laws of state and federal statutes. I am requesting that this item be removed from my credit report immediately. Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Skopos Financial to date. I am requesting your assistance in putting an end to this matter.
06/10/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 32810	Web
I was sold a car by XXXX XXXX XXXX in XX/XX/2018, that has increased in mechanical issues since the date of purchase, The Salesman XXXX was already aware of a heat issue prior to purchase and was suppose to fix the issue the Saturday after purchase, when I arrived they acted as if they were unaware of why I was there, then gave me a number and address to a mechanic who didn't speak english, and kept my car for 4 days without any work getting done, only returning the car because I was getting impatient, and could care less the inconvenience it caused me, there was some minor damage done to my car while it was in the mechanic possession, in which they denied, because I brought the car to them and, they took it to the mechanic, I will not go back there after the last experience I had with them, It took them over a month to give me my tag and title, which was not included in my down payment, and I was unaware, and they withheld it until I had the money to pay for it. The car was less than {$14000.00} used but, I will be paying back over 35,000 over the course of the 6 yr loan, I understand interest rates but, it should never be the same cost of the purchase, and then some. This loan company has never even sent me a payment coupon or even a welcome letter, I have not received anything with my account number on it
06/05/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX XXXXX	Web
On XX/XX/2018 i spoke with a Supervisor and i paid my balance that was left for my payment. Then on XX/XX/XXXX a regular employee XXXX XXXX called saying oh my supervisor didnt collect the right amount so i need you to pay the rest. I advised him if a supervisor made a mistake he should fix it and now i will be charged a late fee because of his mistake.It was lates fee supposed to be remove. This company has made it to where i dislike doing business with them. I had told them for over 2 years for them to not call me because so many people say different stuff. Between my husband and i been in and out of the hospital. Like now my husband is under the doctor care after XXXX.I dont need to have any more XXXX behind this company.This company has t o be the worse i have ask for some services to be done instead they do the opposite. When XXXX was here they moved the payment but then report it to the credit bureau is late, if it is being moved to the end of my car payment. Every other company that i had dealt with do not do business like this.I have 2 late payment right now reported in XXXX and XXXX that they moved but still report it olate to the bureau. If they are helping me out why not help all around. I have been dealing with my husband and i health then also deaths.So please help i want all this corrected
01/04/2024	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 43302	Web
I filed for XXXX XXXX bankruptcy on XXXX. XXXX, XXXX. An auto loan that I had that was included in bankruptcy is still on my credit report. I have tried to contact the loan company, XXXX XXXX XXXX multiple times and have been told someone will call me back and they never do. Before I filed for bankruptcy I called XXXX XXXX XXXX and told them to come pick the car up, but they told me they werent going to do that. On my credit report it shows this account with XXXX XXXX XXXX was opened on XXXX. XXXX, XXXX ( 8 yrs, 5 mos ). On my credit report it also shows under Account Details for XXXX XXXX XXXX that this account was Closed XXXX XXXX, XXXX. But my XXXX XXXX bankruptcy was discharged on XXXX. XXXX, XXXX. So this account should have been closed the same date my bankruptcy was discharged on XX/XX/XXXX!! This account with XXXX XXXX XXXX was included in my XXXX XXXX Bankruptcy, is 8 years and 5 months old, and the closed date is after my bankruptcy was discharged. I have disputed this account many, many times and the credit bureaus will not remove it from my credit report. This account is causing my credit score to remain low and Im unable to get approved for a first time home buyers loan. I want this account removed from my credit report!!! It should not be on there when it was included in bankruptcy!!!
08/06/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	KS XXXXX	Web
I had bought a used vehicle in/or about XX/XX/XXXX, I come to find out the vehicle had been a rental vehicle by XXXX and Had been seriously wrecked on left rear and repaired by XXXX but of course the XXXX reported no accidents which I have come to find out this is common of rental companies not to disclose their vehicles have had accidents etc nevertheless, I fell behind on payments and this company ( Skopos Financial ) In Texas, Repo the vehicle in XX/XX/XXXX and as of this writing on my credit reports this company shows this is still an open loan as if I stll have the vehicle, and the automated voice account services I checked XX/XX/XXXX shows the same balance as is listed on my 3 different credit reports, and this is all in correct, They sold that vehicle in XX/XX/XXXX, So it should NOT be listed as an open loan, and the amount of balance should be reported as well being the vehicle was sold and I was never told what the bal was. I have contacted the credit places to try and correct this and nothing has been done, seems like this company has not made any reports to the credit reporting places since XX/XX/XXXX when they took the car. Skopos I feel is intentionally leaveing misleading, wrong information on my credit reports.
04/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76244	Web
Upon reviewing several of my credit monitoring services I was informed on XX/XX/XXXX that Skopos Financial has reported my auto loan as a " bad debt/uncollectable debt '' and proceeded to list the account as a " charge off '' on my credit report. With this my score has dropped significantly preventing me from being eligible for a home loan. The account with Skopos account # XXXX was paid in full by my auto insurance company XXXX also known as XXXX XXXX with claim number XXXX. I reached out to XXXX at Skopos on her direct line of XXXX a total of 11 times between XX/XX/XXXX and XX/XX/XXXX to confirm that the account was paid in full in which she did confirm that is was received by XXXX and showing no balance as of XX/XX/XXXX. Within those 11 calls she informed me several times that if the account was paid in full there would be no charge off. On today, XX/XX/XXXX I called Skopos a total of 5 times to try and resolve the issue. 3 out of the 5 calls I was cold transferred. 1 out of the 5 I was given a XXXX number that was not reachable and on the 5th call I was escalated to a manager who could not assist. All five years I have had this company my credit report shows all on time payments. Please resolve this matter immediately.
12/18/2023	Yes	Vehicle loan or lease Lease	Managing the loan or lease Billing problem	IL 60639	Web
I inquired about this a while back and still have no answer. I participated in this message below back in XXXX before the deadline, and the agent on the phone said he was submitting it but that it would take some time for management to review it : XXXX, you may be eligible for a waiver of up to {$500.00} in accrued fees on your Skopos loan. We will match any payment of up to {$500.00} in waived fees during the offer period. Please call us at XXXX to learn more. We are available today until XXXX CST. This offer expires [ Saturday - XX/XX/XXXX ]. TXT STOP to Stop messages from this number. MSG & Data rates may apply. Reply STOP to OptOut It is XXXX and to this day the late fees were not waived as promised. I called over the phone on XX/XX/XXXX to pay as instructed before the deadline, paid over the phone and followed the instructions to the letter. I certainly hope this is not in retatliation to my XXXX complaints.. as this is not only discriminating but also illegal. But this seems to be the only way to get any type of response from this company. I have sent several e-mails to their customer advocacy department and XXXX XXXX directly and all have been flagrantly ignored on the matter.
11/21/2016	No	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 77095	Web
skopos financial lost XXXX of my payments made in XX/XX/XXXX which were made in agreement for a deferment to secure my loan. As a result of their negligence in losing my payments which made the account more delinquent than it actually was and subsequently caused them to repose my vehicle on around XX/XX/XXXX. I disputed the missing payments with them by sending official bank statements and the bank ( XXXX ) speaking to them verifying the payments were made and on what days. Skopos Financial refused to accept my official bank statements, debit card transaction and payment receipts as proof of payment. Skopos also never sent me any documentation about the repossession or the auction within the 14 day time frame as required by law. I filed a dispute against Skopos Financial concerning the documentation that I nor the primary borrower received with the XXXX, XXXX. Skopos Financial claims they sent the documentation but to an incorrect address despite the fact they had repossessed the vehicle from the very address that was on file. As a last resort I sent Skopos a repo dispute letter on XX/XX/XXXX, which I have enclosed yet it is XX/XX/XXXX and I have not received a response from them.
09/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 63121	Web
5 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX, XXXX XXXX XXXX XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures. Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
05/18/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	TX 750XX	Web
I received a statement from Skopos Financial dated XX/XX/XXXX for amount due {$2100.00}. Paid {$540.00} on XX/XX/XXXX online ; {$560.00} paid {$160.00} and {$400.00} on XX/XX/XXXX both via money orders ; {$1000.00} paid {$510.00} on XX/XX/XXXX via money order; paid {$510.00} on XX/XX/XXXX via money order. All money orders were sent with statements via certified mail with return receipt. I went online to Skopos Financial expecting to see XXXX balance, instead I saw balance due {$1700.00} due XX/XX/XXXX. Last payment received {$510.00} on XX/XX/XXXX. When I checked my mail, I received a statement dated XX/XX/XXXX amount due {$2100.00} payment received {$400.00} on XX/XX/XXXX. From XX/XX/XXXX, the only amount I have owed Skopos Financial is {$2100.00} according to their website. I printed the statement from website. I have paid this amount. I have also paid car notes {$540.00} on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. Total amount {$1600.00} + {$2100.00} = {$3700.00}. I would like to know what happened to the money that I have paid Skopos Financial {$3700.00} for this year XXXX? Any assistance that you can offer will be greatly appreciated!
11/22/2023	No	Payday loan, title loan, personal loan, or advance loan Personal line of credit	Problem with the payoff process at the end of the loan	NH 032XX	Web
I paid off this loan on XX/XX/ with a mailed check. I called one week later, because by the time they cashed the check they withdraw the monthly payment from my bank, so it was an overpay of {$190.00}. The woman told me that they will reimburse me the amount with a check within 30~45 working days. I called back on Wednesday XXXX checking about the check and the payoff letter that never arrived. The another womand told me the check was issue on XX/XX/XXXX and should be arriving anytime soon. And apologizes for the delay and the payoff letter will be sent to my email for faster service. She confirmed my address along with my email. I never got neither one and called back again this Monday XXXX. Also I noticed my credit report hasn't been updated. I talked with a man and apologized for the delay and a lot of blah, blah, blah. He confirmed again my address and email, and told me someone will be calling me within 24 to 48 hours. Neither the letter is in my email or somebody called me. And I started to worried they are some type of con business. I got proof of my payments and the names, date and times of the persons I talked to.
05/19/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	GA 30052	Web
I am having problems with the Loan/finance company for my vehicle. The day after I had purchased the vehicle the finance company called me to welcome me to work with them. I mentioned to them that I am a construction tradesman and always out in the field. I gave them my wifes information and gave them permission to speak with her at all times regarding my payments. We ended up behind in payments because they keep telling her that I have to call them to give them permission to talk with her. They have her information on file but refuse to look for it. When I call I can not get anyone to speak XXXX. I can never understand them. than they hang up. Finally I took two hours out of my very busy work day losing money to call them again and get hung up on several times. I finally get ahold of someone, and their story is that they do n't have anything on file and my vehicle will be repossessed. We have made them an offer, and they refused it. I know I have not very good credit however I deserve better service than this. This company is very unprofessional, disrespectful, and plain out ignorant.
11/20/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 762XX	Web
On Friday XX/XX/XXXX at XXXX, I received an unsolicited text message from Skopos Financial who is my auto lender regarding make a payment today and we will waive up to XXXX in fee 's. Currently my account has approximately XXXX in fees that would qualify for this program. I called the company to advise them about the text message and they said yes it is a valid promotion if you make a payment today with us we will waive up to XXXX in fee 's. This was outstanding news because they will be receiving my payment today in the mail that my bank 's bill pay service sent them. After two phone calls, with two different representatives, ( XXXX and XXXX ), I advised them about my payment, gave them the check number, even validated that the check was withdrawn from my account on Friday XX/XX/XXXX. They would not honor their promotion. Every time it was something different. The total amount I would have benefited from the promotion would be {$310.00} which is broken down below. Late Charges XXXX Other Charges XXXX
12/17/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 73099	Web
We initially contacted Skopos Financial in XX/XX/2018. My credit report had not been updated with my current payments since XX/XX/2018. We spoke to representative there that advised it would be updated in the first week of XX/XX/2018. The first week of XXXX came and went and nothing was reported. We contacted them again and were advised it would be updated immediately per the Credit Reporting dept that we were transferred to on the call. As of XX/XX/XXXX, it still had not been corrected, so we filed a complaint with the XXXX XXXX XXXX that did reach out to them -Case # XXXX. They finally updated the credit report in XX/XX/2018, but only up through XX/XX/2018. As of XX/XX/XXXX, they had not updated the report to show any payments were made since XX/XX/2018. We sent them an email asking for this to be updated. We did not get any response from them, nor was the credit report corrected. This has hurt my husband 's credit score greatly.
11/01/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	FL 33445	Web
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer privacy and confidentiality under 15 surcharge 1681. Skopos financial llc # XXXX. has violated my right 15 u.s.c 1681 section 602 a. State I have the right to privacy 15 u.s.c 1681 section 604 a section 2 : it also state a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681c. ( a ) section ( 5 ) state : no consumer reporting agency may make any consumer report containing any of the following. Items of information any other adverse item of information. Other than record of conviction of crime which antedates the report by more than seven years. 15 u.s.c 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relay to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
02/09/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CO 80014	Web
XX/XX/2018 @ XXXX @ XXXX @ XXXX I am on the do not call registry and when I spoke to the person theyre playing a hunting game for people with my same last name. Scary part is they called everyone in my family like theyre getting information from XXXX. Our family does not know the persons theyre asking for and somehow they have all our cell phone numbers playing a hunting game. Im sure whoever the person is theyre doing a witch hunt just with people with similar last names. I would like to know what are their tactics to even get sell phone numbers of random people but it was my whole household cell numbers. I told them I dont appreciate their witch hunt and they should only be contacting the person references not calling random people with the last name. I repeatedly told them to remove me but they kept calling and its not an automated message its an actual person. Company is Skopos Financial phone number is XXXX
06/03/2016	Yes	Consumer Loan Vehicle loan	Taking out the loan or lease	NC 283XX	Web
I purchased XXXX Ford Fiesta from XXXX XXXX XXXX XXXX, in XXXX of XXXX. I was making my payments on the vehicle. I started to have problems with the car so wanted to trade the car in. Not to mention, did n't have car for a year yet just 9 months. Went to where got car to trade it in. And could n't trade, from XXXX XXXX XXXX XXXX. They were going all around why I could n't trade my car. Went to XXXX to see if I could trade the vehicle there. At XXXX is where I learned of predatory lenders. I learned that I was paying the interest instead of the car. That the finance company ( Skopos ) was charging me XXXX more than what car is worth. So in the contract six years to pay off a XXXX XXXX dollar car that 's only worth between XXXX to XXXX. So I even tried my bank which is a credit union and they wo n't touch it cause they said the car is not worth XXXX. Please help me to get interest rate down which is 17 %.
12/08/2022	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Unable to receive car title or other problem after the loan is paid off	MD 20772	Web
Purchased a vehicle and had it financed to include Gap insurance. The car was totaled in an accident XX/XX/2018 and paid off by my auto insurance. Recently, I found that the finance company was showing a balance of $ XXXX on my credit report. Skopos Financial sold that supposed debt to a XXXXXXXX XXXX XXXX. I have spoken with the claims agent at the insurance company that reports ; '' XXXX XXXX '' is a feature provided by the finance company not the insurance company. In this week I have called SKOPOS a number of times both their corporate number XXXX to receive no answer and their customer service number XXXX to only be disconnected after i entered my ssn. When I purchased the Gap insurance - I was led to believe that if anything happened with that vehicle this will fill in the Gap. I have noticed online there are a number of open lawsuits against this company and I hope they are not for fraud.
05/25/2022	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	FL 33844	Web
skopos financial has been making false report with XXXX, XXXX, and XXXX, regarding when my first late payment began. i open skopos automobile loan XX/XX/XXXX, i began having financial difficulties around XX/XX/XXXX, i have provided supporting document from skopos from XXXX thruXXXX late payment statement with past due amounts ranging from {$910.00} to {$1800.00} in late payments. credit reporting law states 7 years from the first date of being late, skopos has been reporting my account late begins XX/XX/XXXX. 4 years after the true date., there adverse actions had cost me denial of credit and higher interet rates.i have asked XXXX, XXXX and XXXX to reinvegiagte this matter. with late payment statement i have yet to recieved this account removed from my personal credit report. i submit copies to all three agencies in late XX/XX/XXXX, only thing im seeing my credit score dropping.
09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27893	Web	Older American
Hello there, My husband and I went to XXXX XXXX last Wednesday XXXX, we were trying to be pre-approved for a home mortgage. But, unknown to us, there was a car loan showing a charge-off from XXXX, not XXXX or XXXX...? So, my question is what can be done about this, I did call Yesterday XXXX, SKOPOS which was changed from XXXX at XXXX, their operator told me that the vehicle had been sold and that they could keep it on my credit for 7-10 years, what kind of craziness is this? We let them come and pickup the vehicle the year of XXXX, that has been at least 7 years, we could no longer afford this vehicle any more. Is there something that can be done about XXXX going along with this craziness but the other credit bureau 's are not..? But, the Name XXXX is what is being shown on our Credit Report, even through they have sold out to another company .... Thanks.
01/18/2024	No	Payday loan, title loan, personal loan, or advance loan Title loan	Loan payment wasn't credited to your account	IL 60189	Web
I opened two loans ( in short period of time ) with XXXX XXXX. The First loan was on XX/XX/XXXX in the amount of {$10000.00}. Loan # XXXX then a second loan on XX/XX/XXXX in the amount of {$13000.00} ( loan # XXXX ). They ONLY deposited {$2600.00} into my bank account on XX/XX/XXXX because I was paying off the first loan. And receiving the difference. Well - I keep receiving notices of LATE payment on loan # XXXX. I talked with XXXX ( ID XXXX ) as well as her manager, XXXX on XXXX and they both reassured me that the first loan was indeed PAID OFF so no payment is due/overdue. As of XX/XX/XXXX it still shows on my credit report that TWO loans are Open. I again called on XXXX and requested a PAY OFF letter proving that the first loan is PAID OFF. Today, instead of receiving the requested document, I received another LATE Payment Email ( attached ).
10/14/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	SC 29732	Web
Ive been trying to get this inaccurate information thats being reported on my credit inaccurately for quite some time resolved. This company is reporting an item that was supposed to been off my credit after numerous letters and complaints, with the last one being from the FTC. This company has provided vital information to someone who wasnt/isnt me. They never identified the person they just disclosed my personal information. Which validated my rights as a consumer and the law. This item was supposed to been removed from credit 2 years per the last dispute and complaint and this item is still negatively reporting on my credit. I am demanding that this item is removed immediately. Otherwise I will seek legal action and reach out to the media in regards to this company and their illegal debt collection practice acts.
07/22/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	IL 60620	Web
I have tried over and over and over again to get this issue resolved with this company and they seem not to listen. For years this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. This company needs to come up with a solution and fast. This collection was set to be removed from my credit XX/XX/2021 and it has not come off yet!! They need to figure out something because this comes to a matter of reporting negative stuff on my credit and buying a home for myself and 3 children. What do you want me to do settle before you remove it? Admit that I owe it. What is it that you want?
01/04/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	NC 278XX	Web
Account with Skopos Financial was closed as of XX/XX/XXXX. Loan was never late or reported late until loan was paid in full. Received 30/60/90 late to all 3 credit bureaus as of XX/XX/XXXX. Spoke with several employees, who were unwilling to help or care. Submitted a complaint with the BBB then finally Skopos contacted me and resolved the issue with all 3 credit bureaus. Well as of XX/XX/XXXX, the same 30/60/90 late are reported again. Once again contacted Skopos ... XXXX who stated she could not give me her last name or her supervisor said they had not reported anything. They have, to XXXX and XXXX. Please will someone look into this company as a whole, not just for me but for other consumers. Read some of the horror stories. They are the worst financial institution I 've ever had to deal with.
02/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KS XXXXX	Web	Older American
I had gotten a auto loan with XXXX XXXX in XX/XX/XXXX, and They did repo the vehicle in XX/XX/XXXX for failure to pay. But I have constantly tried to get this company to correct info on my XXXX Credit report where they are stating the account is : 1- Still Open 2- In Collections, Which no one has ever contacted me about this account, 3- Charge-off By this account still showing as open, car dealerships say, it is hard to give me a loan etc. How one account can be listing so many different things I do not know, It should be a Charge-off and closed account etc not all 3.. This is how it was listed in XX/XX/XXXX and still listed as of this complaint, XXXX say they can not change it, etc I feel this is now being intentionally done, This company is very hard to communicate with,
11/30/2017	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	SC 297XX	Web
Ive filed several complaints and filed several disputes with this company and theyve yet to respond, the last complaint which was sent in XX/XX/XXXX asking this company to provide detailed documentation they never responded and failed to show proof that this debt belongs to me. They missed both deadlines for the CFPB complaint and the deadline for the dispute. By law if they fail to provide documentation and fail to respond to the complaint they have to remove the tradeline from my credit. If they dont remove this item I will be forced to contact an attorney, provide proof that they failed to respond in a timely matter and I will be forced to pursue with legal action with this company. I will also be forwarding this information over to the BBB and FCRA
11/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	TX XXXXX	Web
XXXX, XXXX, XXXX are not updating my credit report from XX/XX/21 to XX/XX/21 for six months straight I made my payments before due date. I submitted disputes advising no update for XXXX XXXX XXXX XXXX XXXX XXXX. I also reached out to Skopo financial XXXX XXXX to do a update. I pay XXXX a month for XXXX to keep updates and submit disputes. They then put slash markings XXXX through XXXX which doesn't show that I been current and paid on time. This is XXXX if I had been 30 days on account they will ding me IMMEDIATELY. I NEED AN ATTY AT THIS POINT I'VE DONE EVERYTHING. Also my inquiry updates are off. I'll admit to having past bad habits w my credit. I've been working on my credit a year I feel like I'm being XXXX XXXX
02/21/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	IL 610XX	Web
I took out a loan with this company XX/XX/2022. For {$4000.00}. I have been making payments, but have run into financial difficulties. I have received funds to be able to pay the loan off in advance of the full term, and called for my payoff. As of today, the balance is {$4400.00}. Although I have been making payments, the payoff is higher than the principal amount of the loan taken out 10 months ago. I understand that due to poor credit, I have a higher rate, but this is gouging. I asked them if they would settle for a lower balance and was told noand that is what have to pay. I will be paying off this loan well in advance of the final loan term, but will still be paying more than the original principal borrowed
08/04/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	TX XXXXX	Web
We purchased a used car from XXXX in XXXX Texas in XX/XX/XXXX. The car value was at {$23000.00} The interest rate was high but due to credit we accepted with the understanding that we could refinance in a year. Skopos Financial informed us that they do not refinance and that if we would go to an outside company we would have to get finance for the value of the car and their interest rate. The car was reposed in XX/XX/XXXX due to non payment because they were not willing to lower the rate, refinance nor allow us to refinance with another financial instate. A company should not be allowed to set the interest rate the same as the value of the purchase. The car depreciated and yet we still owe them {$23000.00}
12/05/2017	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	SC 297XX	Web
This company failed to respond to the dispute, and by law if they fail to do so within the time frame by LAW they are required to remove the tradeline. Im writing this 4th complaint in regard to this information. They have violated my rights as a consumer and they have violated FDCPA laws. Ive turned this information over to my attorney XXXX XXXX to either proceeds with filing a lawsuit against them for the violations or to resolve this issue outside of court. I am giving them the opportunity to do the right thing which is to remove the negative inaccurate item frommmy credit otherwise I will advise my attorney and legal representatives to move forward with the lawsuit process.
10/22/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	FL 34293	Web
When making payments above the minimum amount due, this company does not automatically apply those funds towards the principal. It is instead held back and given as a credit on the next payment. This company wrongly collects interest on the portion of the loan that should have been paid down on the principal by with holding the funds instead of applying them to the principal. Also, while trying to apply a payment through their website, regardless of the browser used, and even by following their directions to allow 3rd party cookies, the website will not allow you to make a payment. You either have to send in a check, or call their automated service, which results in a fee.
07/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76051	Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
12/07/2017	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	SC 297XX	Web
The response from all 4 of the cfpb complaints that Ive filed against Skopos they have failed to acknowledge the fact that they failed to respond to my previous dispute within the timeframe allowed and by law they are required to remove the negative item if they fail to provide proof that it belongs to me. Ive documented this, I will be going to media about this company along with proceeding with the lawsuit. My attorney XXXX XXXX has all documentation from these disputes. We will be seeking wages for the stress that this is causing, and as stated I will be going to the media about this company.
11/29/2021	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	SC 29730	Web
Ive reached out to this company several of times over the past XXXX years in regards to this inaccurate item, even sent letters demanding proof and to no avail they failed to respond, even after the deadline. This inaccurate item has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Due to this inaccurate and old item I havent been able to find decent work to take care of my household and other expenses. I am seeking legal action towards Skopos Financial for XXXX XXXX XXXX XXXX and XXXX and interfering with me able to take care of my family, due to lack of work because of this inaccurate item.
05/22/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29730	Web
This company has been notified on several occasions in regards to credit report removal ; however, it 's been removed from XXXX but still reporting as an closed account on XXXX , and still opened on XXXX and also on XXXX . This company has violated several FDCPA laws and regulations that 's the reason it 's been disputed and had to be removed from my credit, but it 's still effecting my score and putting a strain on my life. I need this completely updated and removed from my credit ASAP! Otherwise I have no other choice than to pursue further whic h may re sult in a lawsuit.
12/04/2021	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	TX 75243	Web
Under the ftc guidelines ( ( d ) Consumer Report 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The company is reporting late payment transactions to all three credit bureaus after the account has been delinquent more than 6years
03/22/2023	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	SC 29732	Web
I've reached out to Skopos Financial several of times in regards to this old information that is being reported on my credit report that isn't supposed to be. This item is well over 8 years old and has been reporting for the last 7 years. It is well past statue of limitations. This item is hurting me financially, mentally and emotionally. I am unable to move forward with this old item still being reported. It needs to be removed immediately, otherwise I will be forced seek and obtain legal representation to have this item removed and other compensations to rectify this matter.
03/27/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 304XX	Web
I was a cosigner on an auto loan with my ex wife and we divorced and it was stated in the divorce decree that she will take up the payments and be responsible for the auto loan. I remarried and applied for a mortgage loan and was notified that I had a repossession on my report from that auto loan. I called the auto loan company and asked them what i could do because I could not have that on my credit. I asked for the car back and they notified me that the cal was sold but not once did I receive mail or any call informing me about the repossession of the vehicle.
04/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29732	Web
I have reached out to this company to resolve the issue of inaccurate information on my credit report. Ive never had a loan with this company. Ive told them several of times that I have no reconciliation of the negative item being reported. I have sent over my id, birth certificate and social security card showing I am not nor have I ever went by the name of XXXX XXXX. My last name is XXXX, Ive never been married nor had a name change. If we cant get this resolved Ill be forced to take further actions. Attached is my id and social security card.
09/25/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX 78542	Web
I am trying to contact this company to correct some information on the credit status and information pertaining to the debt. they are unreachable XXXX XXXX XXXX XXXX XXXX other # XXXX neither is a good phone #, their fax just rings and rings. How can I resolve this issue if they are unreachable? and why so many law suits against them? I've been seeing so many Texas residents in a class act lawsuit against them. How am I suppose to pay this company and fix my credit if this all going on. why hasn't anyone done anything about this?
06/19/2023	No	Payday loan, title loan, or personal loan Installment loan	Improper use of your report Reporting company used your report improperly	NM 87144	Web	Older American
Under Fair Credit Reporting Act 15 U.S.C 1681 this company which I applied for a loan did not furnish complete information ( reasons XXXX ) and instead stated the following " If you would like a statement of specific reasons why your application was denied, please contact our Customer Service Department ( shown below ) within 60 days of the date of this letter. " I believe under the FCRA a loan company has to furnish all the reasons the loan was denied and not just some and then force the consumer to request all the details.
09/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 314XX	Web	Servicemember
XXXX XXXX solicits business from thousands of lenders and while they do this they ruin people 's credit. They intitially say there will be no affect on your credit and then several lenders have pulled your credit and you end up with all these inquiries. I received a letter from XXXX XXXX say they did not approve a loan that I didn't even apply for. There were inquiries on my credit report. Just recently, they did the same thing with the help of XXXX XXXX messing up people 's credit.
02/25/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	IA XXXXX	Web
I XXXX XXXX entered into a consumer credit transaction with SKOPOS FINANCIAL LLC on XX/XX/2019. I used my credit card as defined under 15 usc 1602 ( I ) and there was a finance charge involved as defined under15 usc 1605. SKOPOS FINANCIAL LLC then took my credit and got a loan and began to violate 15 usc 1692e because they falsely represent the status of a debt. Hello, my name is XXXX XXXX, and Im submitting this complaint for myself and there is no third party involved.
08/18/2020	No	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	SC 293XX	Web
I called in on XX/XX/XXXX to make a put for XXXX. Me and the representative did a work out plan to get my account back on track. We both agreed for me to.make a put and a half on XXXX XXXX. I called the company XX/XX/XXXX to see about making the XXXX payment before the XXXX so I wouldnt have to pay the amount all at once. My unit was repossessed with arrangements set for the XXXX. I'm seeking reimbursement for time loss and the 2 payments made the month prior.
05/19/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	MO 631XX	Web
I have repeatedly asked Skopos financial Not to call me or my references. They have ignored 3 documented requests to ceases and desist all phone calls. Guilty of several violations they have agreed to defer payments to passify me and avoid lawsuits! They continue to take advantage of a loop hole in Missouri law! This is causing me to have health issues because of the XXXX and embarrassment I am suffering because of their inconsiderable acts! Please help me!
05/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DC 20019	Web
I purchased a new car and traded in the one that I had with Skopos Financial LLC. in XXXX and the car I had with them ( the loan ) was paid off in full. Unfortunately is is being reported on my report as closed and not paid in full and I have asked them repeatedly to correct and to date they have refused to do so. I have the letter confirming it was paid in full and not closed and want them to update my report accordingly and the letter indicates.
11/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30291	Web
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. Accont name : SKOPOS FINANCIAL Account Number : XXXX Installment
04/18/2023	Yes	Payday loan, title loan, or personal loan Title loan	Improper use of your report Reporting company used your report improperly	AZ 85304	Web
When I went to apply for this personal loan using car as collateral, it didn't advise me that the loan value had to be higher than the amount owed on the car loan, until after they ran my credit. There were no alerts or notifications about that potential before they ran my credit. I would like this hard inquiry removed because they were operating under a false premise and promised me a loan before giving me all the details.
03/21/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 77489	Web
I had asked XXXX to remove the late marking due too my husband and i being in the hospital. Then my husband had lost his job and i had to heal from my XXXX. They said it is my responsible to still manage the car. So they said deal with it then all this XXXX had put us behind as well.Right now my husband is still out due to his XXXX XXXX. So i asked them to help us out.To remove late fees and reporting to the bureau.
09/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 350XX	Web
Per my divorce decree order on XX/XX/XXXX, my spouse was ordered to refinance into her name the vehicle listed of XXXX XXXX XXXX within one year of our divorce. The vehicle is still being reported as late on my credit record and continuing to affect my creditworthiness. Amount due currently reporting on my credit record is {$10000.00}. I have been unable to resolve this issue with creditor and credit bureaus.
02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75052	Web
On Friday XX/XX/XXXX Skopos Financial LLC marked my paid off account as delinquent and XXXX days past due when they could not provide an accurate amount because I have already paid my account. It has cause major damage to my credit score that I have worked so hard to build back up. I called to try to have the problem resolved but no one could give me an answer. I have not had a late payment since XXXX.
11/14/2017	No	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	SC 297XX	Web
Ive disputed this item through all three major credit bureaus and also filed a cfpb complaint and to no avail the company didnt respond in the timely matter. Its been over 30 days and by law they are required to remove the item from my credit report due to the lack of time of response. If we cant get this resolve I will be filing a lawsuit for violating my consumer rights per FDCPA.
09/04/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	MO 63385	Web	Servicemember
I have filed with XXXX XXXX for consolidation, notified XXXX XXXX about it. They keep threatening me and harassing me calling me up to 10 times a day saying if I dont make a payment they will file litigation. I have advised them to contact my debt consolidation company and they refuse saying they dont work with them as they are a private company. They just continue to Harrass me.
12/31/2021	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	NM 87401	Web	Servicemember
Skopos Financial Recently lost a law suit and a major case against illegal and unfair loan practices. I was included in the law suit. They had to pay me all of my monies back. This issue is they also agreed to remove the negative reports from my credit and they have not removed it from all the reporting agencies. I have written them several times for the inquires to be removed.
04/15/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 76148	Web	Servicemember
My loan thru Skopos was a few months behind due to sickness ( possibly XXXX ) they accused me of having 3 returned payments which is impossible. They repoed my XXXX XXXX XXXX on during the social distancing, covid pandemic.. they have been unable to work with me although i am not able 2 work at the time however i need my car in order to take care of my sick elderly relatives
10/17/2018	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	TX 751XX	Web
I traded my XXXX XXXX XXXX into XXXX XXXX in XXXX Texas 7 months ago for a XXXX XXXX XXXX XXXX the dealership paid my trade in off it was financed through Skopos Financial I have called XXXX XXXX many times to please update my credit report as paid in full but they have yet to update, still shows open and that I owe XXXX and change As well as my new XXXX XXXX!!! please help!!
03/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30350	Web
Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33837	Web
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
12/24/2022	Yes	Payday loan, title loan, or personal loan Installment loan	Getting the loan	IL 601XX	Web	Servicemember
I did not apply for this loan. I informed the loan officer I did not want a hard inquiry. I was told if I submitted some information, they would be able to determine whether or not I have a good chance to be approved for a personal loan. I submitted the requested information. However, they processed the loan without my permission.
12/12/2023	No	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem with additional add-on products or services	IN 463XX	Web
On XX/XX/2023 I called in to turn off the autopsy option. This company stalled delayed transfered and then finally simply refused to turn it off unless I wrote a letter in to a po box . The website simply said to call. This is a very clear violation of law. I'm going to have to try to get my bank to revoke authorization.
03/24/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	TX 770XX	Web
Skopos Financial is reporting inaccurate and old information to my credit report. This account was not authorized by me. I am requesting under the provisions of the FCRA 15 USC section 1681i as well as section 609 that this account be removed from my credit report immediately.
01/12/2016	Yes	Consumer Loan Vehicle loan	Shopping for a loan or lease	GA 30047	Web
HELLO this company is did a hard click on my credit file without my written consent i never asked them for credit and never authorized any one to ask them on my behalf they are refusing to remove the hard click of my credit file last XXXX of ss XXXX reported XXXX/XXXX/2015
11/12/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75181	Web
There is a remark list through Skopos Financial which I have tried to request validation and received nothing. The social on the account doesn't even match mine. I have disputed with XXXX and XXXX with no outcome. How are these agencies verifying inaccurate information?
01/13/2018	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem while selling or giving up the vehicle	OH 452XX	Web
I have a XXXX got on fire I spend over five Thousand prepare the XXXX I sill have a loan on the vehicle it was a recall on the vehicle for start fire and problem with the engine the car do not work do to fire and can not be prepare the car should not been sold
08/19/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33414	Web
On XXXX XXXX, I disputed this alleged debt with Skopos Finance and they never responded to my dispute in reference to the alleged debt. I have been disputing this account for months and never received a response. {$22000.00}. XXXX paid this car off in full.
04/27/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Problem when making payments	GA 30096	Web
Their website and statements do not tell me : 1 ) How my payment was applied 2 ) Interest Accrued 3 ) Interest Accrued 4 ) Fees I also called their customer service line at XXXX and they were not able to tell me how my payment was applied.
12/01/2020	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Lender trying to repossess or disable the vehicle	TX 78626	Web
On XX/XX/XXXX at XXXX central standard time an agent from Skopos XXXX called me and left me a voice mail and he stated that I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX.
03/29/2021	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	IL 60620	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
07/28/2017	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	TX 75034	Web
I had a vehicle repossessed in XX/XX/XXXX 2015 and the company is still reporting the vehicle as open and the balance is still accumulating interest
09/19/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 291XX	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
03/15/2017	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	GA 30344	Web
I WAS THE VICTIM OF IDENTITY THEFT FRAUD AND I HAVE DISPUTED THIS DEBT TO THE CREDIT BUREAUS AND THE COLLECTION AGENCY TO NO AVAIL ...
03/09/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30281	Web
I am a victim of identity theft i request you please remove the fraudulent charges on my credit report
04/26/2022	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	OH 440XX	Web
I live in the state of Ohio and the limits for a item to be on your credit report is only 6 years
01/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77090	Web
A LETTER TO REMOVE THESE INACCURATE INQUIRIES FROM MY CREDIT REPORT WAS SENT XX/XX/2021.
04/17/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Fraudulent loan	TX 77520	Web
XX/XX/2017 XXXX ... this account was open without my knowledge this is fraudulent
05/03/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33319	Web
1.Account was paid off by Gap insurance but company lost the necessary document
05/05/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33313	Web
This Debt was paid by auto insurance and Gap insurance 4years ago.
12/09/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	TN 37312	Web	Servicemember

11/09/2023	No	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	AL 36603	Phone

10/10/2023	No	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	VA 20111	Web

10/03/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Problem when making payments	IL 62206	Web

10/03/2023	No	Payday loan, title loan, personal loan, or advance loan Installment loan	Getting the loan	GA 30080	Web

09/17/2023	No	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	SC 29684	Web

07/27/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Can't contact lender or servicer	CA 91755	Web

07/24/2023	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	TX 76039	Web

07/11/2023	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	FL 34488	Web

07/07/2023	No	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	IL 61101	Web

06/23/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IL 62206	Web

06/16/2023	No	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	CA 95866	Phone	Older American

06/12/2023	No	Payday loan, title loan, or personal loan Title loan	Struggling to pay your loan	VA 23320	Web

06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30326	Web

06/08/2023	Yes	Payday loan, title loan, or personal loan Personal line of credit	Getting a line of credit	AL 36301	Web	Servicemember

05/24/2023	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	IL 61101	Web

05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21113	Web

05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 61101	Web

03/14/2023	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	VA 23878	Web

02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33844	Web

02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75708	Web

12/27/2022	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Loan balance remaining after the vehicle is repossessed and sold	NC 28215	Web

12/25/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	MO 63116	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75154	Web

11/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 61101	Web

11/20/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33065	Web

10/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 604XX	Web

10/13/2022	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 32563	Web

10/09/2022	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 33168	Web

06/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78363	Web	Servicemember

05/09/2022	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	CA 92625	Phone

04/19/2022	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 33024	Web

03/28/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30238	Web

03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 62221	Referral

02/13/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	TX 77022	Web

01/03/2022	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account status incorrect	TX 77429	Phone

12/17/2021	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with fees charged	ID 83713	Web	Older American

11/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 751XX	Web

11/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33194	Web

10/15/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Account information incorrect	IL 62221	Web

10/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33168	Web

10/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75104	Web

09/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33027	Web

05/04/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 48076	Web

04/07/2021	Yes	Vehicle loan or lease Loan	Incorrect information on your report Information belongs to someone else	IN 46320	Web	Servicemember

02/28/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 77053	Web

11/12/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 76049	Web

11/09/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Problem with the interest rate	FL 33029	Phone

10/16/2020	No	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	GA 30101	Phone

09/11/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute		Phone

09/04/2020	No	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	MO 63112	Web

07/23/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32789	Web	Older American

06/25/2020	No	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 30224	Web

06/25/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33563	Web

06/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30224	Web

06/04/2020	Yes	Vehicle loan or lease Loan	Problems at the end of the loan or lease Problem with paying off the loan	DC 20019	Phone

05/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30224	Web

03/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77545	Web	Servicemember

01/29/2020	Yes	Vehicle loan or lease Loan	Improper use of your report Credit inquiries on your report that you don't recognize	WI 53225	Web

11/08/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76016	Web

09/28/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	VA 22601	Web

08/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23703	Web

07/31/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75407	Web

03/26/2019	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	FL 33186	Phone

01/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77077	Web

01/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35401	Web

11/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33319	Web

10/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	NC 28634	Web

10/13/2018	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	TX 76259	Web

06/06/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	IN 46202	Web

03/09/2018	Yes	Vehicle loan or lease Loan	Struggling to pay your loan Denied request to lower payments	TX 75104	Postal mail

12/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 299XX	Web

08/03/2017	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem		Phone

04/17/2017	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 77406	Phone

12/13/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 75115	Web

08/26/2016	No	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75067	Web

06/09/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	IL 62226	Web

06/03/2016	Yes	Consumer Loan Vehicle loan	Managing the loan or lease	TX 77545	Web

06/03/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 77090	Web

03/29/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	SC 29418	Web

03/04/2016	Yes	Consumer Loan Vehicle loan	Problems when you are unable to pay	TX 75070	Web	Servicemember