| 03/28/2019 |
No |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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In the beginning of XXXX of XXXX my car was stolen, I reported it to Steward financial services since they service my loan, during this call they forwarded my title to the police department. The lady said thanks for letting us know and the call was ended. I then get numerous calls in the beginning of XXXX stating that my payment due at the end of XXXX is late and I told them again my car was stolen so I cant pay at the moment. XXXX then said well your payment is past due and we need the money when can you pay. This went on for about 5 minutes back and forth until I hung up. I get a email in XXXX from XXXX, she stated I needed to call. I was hesitant because they are very rude there. I called and she apologized how my loan was handled and someone should have offered a deferment. But now Im 2 months behind. On XX/XX/XXXX XXXX sent me the deferral paperwork and said until the car is found we can defer for 3 months. On XX/XX/XXXX my car was recovered and placed on police hold for investigation, on XXXX my car was deemed a total loss by my insurance, on the same day I get an email saying my deferment was denied because the car was repairable and I need to make a payment immediately. I emailed the lady back my documents of a total loss and there was no response. I have gap coverage therefor paperwork was exchange o how much I owe to the insurance, steward financial, and XXXX ( gap ). The documents I received from XXXX and XXXX stated that the balance was paid in full but in XXXX XXXX began calling me saying I owe XXXX. When I ask why XXXX or XXXX keeps telling me that's what I need to pay or they will put it on my credit report and my credit will be messed up. They will not go over math or any paper work with me, he always states he don't care what I have, he has the correct information.
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| 02/21/2020 |
No |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I had an auto loan with Steward Financial back in 2015. Unfortunately I lost my income shortly after purchasing the car and it was repossessed in XX/XX/2015. I did not know my rights back then. When the car was repossessed, I was never provided with any of the legally required documentation regarding the repossession. I was never provided with the option to pay the past due amounts and get the vehicle back. I was never provided any notice of intent to sell the vehicle. I was never provided any documentation showing that the vehicle had been sold, or what the remaining balance on the loan was. Upon reviewing my credit report, it appears that Steward Financial resold the vehicle, which was a 2 year old ( at the time ) XXXX XXXX with all luxury options for less than {$10000.00} which seems far fetched because I had purchased it 1 year prior for over {$23000.00}. I have disputed this information with the credit bureaus, and Steward Financial has certified to the bureaus that the information is correct. However, I mailed a letter to Steward Financial on XX/XX/XXXX asking them to provide copies of the legally required disclosures and I have not received any response whatsoever. Furthermore, when I called the customer service phone number to ask for the information over the phone, I was told that the debt was past the statute of limitations to collect so they would not be communicating with me regarding this debt. That is in violation of the Fair Credit Reporting act, since they are reporting a past due balance on my credit report and have refused to provide me with any notification of the debt!
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| 02/24/2020 |
No |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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I contacted Steward Financial on XX/XX/XXXX and spoke to representative XXXX regarding me requesting for a voluntary repossession of the XXXX XXXX XXXX at this time she advised me that her Supervisor would contact me. As of today no one has contacted me back. On XX/XX/XXXX I called again and spoke to representative XXXX. She advised me the supervisor XXXX was not in. I then asked for another supervisor. She informed me she ( XXXX ) was at lunch. I have requested effective XX/XX/XXXX to come pick up the vehicle immediately. I will be having XXXX and would like this handled before hand. I am requesting for an Administrator to contact me back at this point and the vehicle to be remove from my property immediately. On XX/XX/XXXX I received a phone call from XXXX XXXX stating they had did an internal analysis and stated it would not be cost efficient for them to pick up the vehicle. I requested for this statement to be put in writing and sent to me at this time he reported that he wouldnt be able to do this. At this point I ask what is going to happen to the vehicle since I requested for a voluntary surrender. He advised me it would be my responsibility since I am the owner of the car. I am no longer making payments on the vehicle and requested for the vehicle to be surrendered to the finance company. I also asked who was going to be paying for storage since the vehicle will be left on my property where I will jot have any responsibility for it- again he stated I was responsible. I was denied information for the recorded conversation as well as the CEO of the company.
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| 08/17/2020 |
No |
- Debt collection
- Auto debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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This Auto loan was actually taken out with Steward Financial Services in XXXX and payments have NEVER been late until the COVID-19 Pandemic outbreak in XXXX. I applied for ONE MONTH deferral on Steward Financial website but NEVER GOT A REPLY. Paid TWO subsequent months in XXXX and XXXX to Steward Financial through my online account. Tried to pay for XXXX and the next thing I know was that my account was de-activated without communication. Account was passed on to XXXX XXXX and I have been inundated with phone calls even at odd hours. Reported Steward Financial to XXXX XXXX XXXX for unfair business practice and XXXX XXXX XXXX NEVER got a reply from them. There was no explanation why my account was passed on for collection and I really feel I have been treated unfairly. I agree for the amount owed but I need to continue with my online payments with Steward Financial Services and NOT with the collection Agency. Every other businesses and corporation are working with their consumers and I do not understand why Steward Financial is /should be different. I have NOT received any communication for this change in action. No payment stubs/Account details.
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| 04/02/2021 |
No |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I went to the Stewards shop XXXX ATM XXXX today ( XX/XX/2021 ) at 2 locations..The first location was on XXXX XXXX and the second was on XXXX XXXX.in Albany..It is bad enough that I was assaulted by people putting harmful things in my coffee..They harassed me at there ATMS violating my personal business.
These people who they have done this with should be in jail and have a nerve to compromise my freedom..If you do something really bad to a person ( ME ) I have a right to make sure they can not hurt me or ANYBODY ELSE..They can not CONTROL me because I have constitutional rights and should be protected by your consumer protection agency..I don't ever ever want these people in my environment and it is my choice who I want around me and they put substances in my coffee to watch me and disrespect me in my home and this is penal code 145.50 and if you intentionality commit this act against my will you go to jail and there is NOBODYin this world who can tell ANYBODY they can assault me in anyway at all ...
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| 05/31/2017 |
No |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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see attachments U.S. Constitution - Article 1 Section 10 Article 1 - The Legislative Branch Section 10 - Powers Prohibited of States No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. I am under the impression that not only is the contract null and void because it is missing signatures from other parties. But on the grounds that the bank never provided full disclosure. I was never told that the loan is to be paid for by the stock exchange and or other entities with my signature I was not loaned or given any silver, gold, coins or oil so I ask you. What was loaned and to whom was it loaned to? Just for the record what was the pay off?
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| 02/06/2018 |
No |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with a trade-in
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Web |
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Steward financial loan terms are keeping me underwarter on my car loan, despite attempting to refinance directly thru them, and all attempts to make the issue better and financially feasible for both parties.
the representatives are rude, do not listen to customers, have horrible attitudes with the power to make ones credit report horrendous.
i have walked into 4 separate car agencies attempting to get out of the sub prime loan with each unable to assist due to the XXXX negative equity,.
i have made two years of on time payments, per experian credit report. I was late 1 business day and they were not graceful in helping me keep that from being reported.
the orginal loan was for roughly 20K with monthly payments of XXXX after two years the principal of the loan has only went down XXXX dollars.
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| 02/03/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification.
On XX/XX/XXXX, 2019, XXXX XXXX add a hard inquiry on my credit reports.
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit reports.
On XXXX XXXX, 2019, STEWARD FINANCIAL SERVIC add a hard inquiry on my credit reports.
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
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| 02/04/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I contacted the company concerning inaccurate information reporting to the credit bureaus. They provided me with all payments that were made on my account and when I called them wanting to know why are they reporting payments being late per the documents that were provided by there company. I was advised they were not changing the information. Im discussed with the way this company is treating there clients.
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| 11/09/2020 |
No |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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The vehicle was taken over 18 months ago, and was sold yet the balance is still showing on my credit report for the remaining balance that I owed which is {$14000.00} yet I brought the car for {$15000.00} and made payments on the car for over 2 years. Steward Financial Svcs is a rip off finance company. The took the car that had my pocketbook in it with over {$10000.00} that belong to a friend.
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| 04/20/2017 |
No |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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Web |
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I was granted a change of due date from the XXXX of the month to the XXXX . Paid the regular XXXX payment and set up for auto withdraw for XXXX XXXX . XXXX XXXX XXXX withdrew XXXX payment in XXXX and I did not authorize XXXX car payments in the same month. I called on XXXX and was told that there is nothing they can do.
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| 12/02/2016 |
No |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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my insurance lapsed about 7 months ago. and i cant drive or register my vehicle. they attached a {$3000.00} fee to my bill for insurance but never added insurance to my vehicle. i feel like a victim of a predatory lender.
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| 02/19/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
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| 12/22/2017 |
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
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Web |
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I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I do not recall authorizing.
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| 10/29/2016 |
No |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
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Web |
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I did not authorize or request credit inquiry this company.
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| 07/17/2020 |
No |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
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Web |
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This vehicle was paid for and account should be closed
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| 06/22/2023 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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| 04/06/2023 |
No |
- 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
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Web |
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| 11/23/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Referral |
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| 11/20/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Referral |
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| 11/13/2020 |
No |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Fax |
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| 11/10/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Fax |
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| 04/27/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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| 04/09/2020 |
No |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
|
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Web |
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| 03/21/2020 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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| 02/12/2020 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
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Web |
|
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| 07/08/2019 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Referral |
|
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| 07/30/2018 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Phone |
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| 06/13/2018 |
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
|
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Web |
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| 05/01/2018 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
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Postal mail |
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| 06/24/2017 |
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
- Their investigation did not fix an error on your report
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Web |
|
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| 05/31/2017 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
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|
| 05/31/2017 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
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|
| 05/10/2017 |
No |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
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Referral |
|
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| 05/08/2017 |
No |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
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| 03/24/2017 |
No |
|
- Incorrect information on credit report
- Account status
|
|
Web |
Older American |
|
|
| 02/27/2017 |
No |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
|
| 07/10/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 11/27/2015 |
No |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
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